If you’ve been financially impacted by COVID-19 and need support, see the range of initiatives we’ve put in place if you’re a personal banking customer or a business banking customer. For all other COVID-19 updates, see here.
See latest information on the Government's Finance Guarantee Scheme for businesses.
We’ve grouped together all the important current documents from our consumer credit products including credit cards, home loans, personal loans and overdrafts. You can find previous versions of these documents on our legal document archive page.
General Terms and Conditions for Personal and Business (PDF 200.5 KB)
Credit Card Terms and Conditions (PDF 122.6 KB)
Personal Banking Fees and Limits (PDF 129.5 KB)
General Terms and Conditions for Personal and Business (PDF 200.5 KB)
Credit Card Terms and Conditions (PDF 122.6 KB)
Credit Card Disclosure Statement (PDF 64.5 KB)
Memoranda of Mortgage (PDF 468.4 KB)
General Terms and Conditions for Personal and Business (PDF 200.5 KB)
Home Loan Terms and Conditions (PDF 163.0 KB)
Sample - Kiwibank Home Loan Agreement (PDF 496.4 KB)
Sample - Kainga Whenua Mangatawa Papamoa Kiwibank Home Loan Agreement (PDF 490.8 KB)
Sample - Licence to Occupy Mangatawa Papamoa Kainga Whenua Loan (PDF 718.8 KB)
Sample - Trust Deed Mangatawa Papamoa Kainga Whenua Loan (PDF 587.1 KB)
Personal Banking Fees and Limits (PDF 129.5 KB)
Terms and Conditions for New Zealand Home Loans and AMP can be found at nzhltools.co.nz and amptools.co.nz.
General Terms and Conditions for Personal and Business (PDF 200.5 KB)
Personal Loan Terms and Conditions (PDF 157.2 KB)
Personal Banking Fees and Limits (PDF 129.5 KB)
General Terms and Conditions for Personal and Business (PDF 200.5 KB)
Personal Overdraft Terms and Conditions (PDF 111.1 KB)
Personal Banking Fees and Limits (PDF 129.5 KB)