Credit cards
Air New Zealand Airpoints Credit Cards
General Terms and Conditions for Personal and Business (PDF 361.7 KB)
Credit Card Terms and Conditions (PDF 383.6 KB) - for Air New Zealand Airpoints credit card customers
Personal Banking Fees and Limits (PDF 231.0 KB)
All other personal Kiwibank Credit Cards
General Terms and Conditions for Personal and Business (PDF 361.7 KB)
Credit Card Terms and Conditions (PDF 383.6 KB) - for all other personal credit card customers
Credit Card Disclosure Statement (PDF 347.2 KB)
Personal Banking Fees and Limits (PDF 231.0 KB)
Business Credit Card
General Terms and Conditions for Personal and Business (PDF 361.7 KB)
Business Credit Card Terms and Conditions (PDF 232.2 KB)
Business Banking Fees and Limits (PDF 203.4 KB)
Home loans
General Terms and Conditions for Personal and Business (PDF 361.7 KB)
Home Loan Terms and Conditions (PDF 280.1 KB)
Sample - Kiwibank Home Loan Summary (PDF 217.4 KB)
Sample Kāinga Whenua - Kiwibank Home Loan Summary - (Kāinga Ora) (PDF 247.0 KB)
Sample First Home Loan - Kiwibank Home Loan Summary - (Kāinga Ora) (PDF 213.0 KB)
Memorandum of Mortgage (Mortgage Terms and Conditions) (PDF 266.6 KB)
Personal Banking Fees and Limits (PDF 231.0 KB)
Registrable Memorandum of Mortgage (PDF 468.4 KB) - suitable for Solicitor use
Terms and Conditions for New Zealand Home Loans can be found at kiwibank.co.nz/nzhl.
Personal loans
General Terms and Conditions for Personal and Business (PDF 361.7 KB)
Personal Loan Terms and Conditions (PDF 242.4 KB)
Personal Banking Fees and Limits (PDF 231.0 KB)
Overdrafts
General Terms and Conditions for Personal and Business (PDF 361.7 KB)
Personal Overdraft Terms and Conditions (PDF 208.5 KB)
Personal Banking Fees and Limits (PDF 231.0 KB)