Standard contracts

Credit cards

Air New Zealand Airpoints Credit Cards

General Terms and Conditions for Personal and Business (PDF 469.9 KB)

Credit Card Terms and Conditions (PDF 399.3 KB) - for Air New Zealand Airpoints credit card customers

Personal Banking Fees and Limits (PDF 205.8 KB)

All other personal Kiwibank Credit Cards

General Terms and Conditions for Personal and Business (PDF 469.9 KB)

Credit Card Terms and Conditions (PDF 399.3 KB) - for all other personal credit card customers

Credit Card Disclosure Statement (PDF 347.2 KB)

Personal Banking Fees and Limits (PDF 205.8 KB)

Business Credit Card

General Terms and Conditions for Personal and Business (PDF 469.9 KB)

Business Credit Card Terms and Conditions (PDF 319.1 KB)

Business Banking Fees and Limits (PDF 212.6 KB)

Home loans

General Terms and Conditions for Personal and Business (PDF 469.9 KB)

Home Loan Terms and Conditions (PDF 271.7 KB)

Sample - Kiwibank Home Loan Summary (PDF 623.9 KB)

Sample Kāinga Whenua - Kiwibank Home Loan Summary - (Kāinga Ora) (PDF 652.7 KB)

Sample First Home Loan - Kiwibank Home Loan Summary - (Kāinga Ora) (PDF 626.8 KB)

Memorandum of Mortgage (Mortgage Terms and Conditions) (PDF 266.6 KB)

Personal Banking Fees and Limits (PDF 205.8 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

For Personal Loan Terms and Conditions visit the Latitude website.

Overdrafts

General Terms and Conditions for Personal and Business (PDF 469.9 KB)

Personal Overdraft Terms and Conditions (PDF 220.0 KB)

Personal Banking Fees and Limits (PDF 205.8 KB)