Please read our website terms of use to find out about the legal aspects of our website, and related sub domains, and your use of them.


In these website terms of use:

  • Kiwibank” is Kiwibank Limited and its related organisations, and is also referred to with the words “we”, “us” and “our”;
  • privacy policy” means Kiwibank’s privacy policy;
  • related organisation” means all organisations that are under the control of Kiwi Group Holdings Limited;
  • website terms of use” means the website terms set out below; and
  • website” means our website, and related sub domains, and any of our online tools, webchat or other online applications.
  • you” means you, the user of our website, and “your” has a corresponding meaning.


  1. These website terms of use explain legal aspects of our website and your use of it. Your use of our website indicates your acceptance of these website terms of use.
  2. These website terms of use incorporate Kiwibank’s privacy policy.
  3. Copyright and other intellectual property in our website belongs to Kiwibank.
  4. You must not use or distribute any information, images, screens, web pages, logos or brands from our website in any public way (including reproduction on the Internet or digital copies) without Kiwibank’s written permission.
  5. You may not use or permit use of any part of our website for any purpose other than that intended (which is the provision to you of general product and service information, and information about Kiwibank).
  6. The information contained on our website, and related sub domains, has been prepared under New Zealand law and is for the supply of products and services in New Zealand only. Unless otherwise stated, references to any currency are references to New Zealand dollars.
  7. Our website provides general information for New Zealand residents only, and does not take into account individuals’ circumstances. It is not intended to provide comprehensive or specific investment advice. You should not rely solely on the information contained in our website when making investment decisions. You should obtain independent professional legal and/or financial advice before making any investment decision.
  8. We make reasonable efforts to ensure that the material presented on our website is accurate and up-to-date, but Kiwibank does not accept any responsibility for any error, omissions, inaccuracies, or for any loss or damage resulting from reliance on or use of the information on our website.
  9. Kiwibank may amend or add to our website, including interest rates shown on our website, at any time.
  10. Kiwibank is not, in this website, making any offer to enter into any transaction or relationship with you. You should visit or call Kiwibank for details of up-to-date service information, charges, interest rates, terms and conditions.
  11. Our website may contain links to other websites operated by third parties which are not under the control of Kiwibank. Kiwibank is not responsible for the information on any other site accessed via this website; that information is the responsibility of the owner of that site. Kiwibank has no control over it. Kiwibank provides links to other sites for convenience only, and the inclusion of a link does not imply any endorsement, investigation or verification by Kiwibank of the linked site or the services offered by the site owner.
  12. Please contact Kiwibank for prior permission if you wish to create a link to any page on our website. If you create a link to our website, you remain fully responsible for any consequences of that link, whether direct or indirect and you will protect Kiwibank against all loss, damage, liability, costs or expense arising from or in connection with the link.
  13. When providing your personal information over the Internet, you should remember that the Internet is not a secure environment. Any personal information provided to Kiwibank when you use our website will be subject to Kiwibank’s privacy policy.
  14. Kiwibank may use any suggestions you make for changes to this website, without any obligation to you.
  15. Only authorised users of Kiwibank’s Internet Banking, or mobile app, services may access those services. Legal action may be taken against unauthorised users.
  16. To help improve our website and our advertising, we may use patterns and other meaningful information gathered from web analytics tools. This may include traffic to, from and within our website, your mouse-click activity, your IP address, and other information that you voluntarily enter into the website.
  17. We may use cookies and other digital tracking tools when you're on our website. Cookies are small pieces of information which can be stored on your hard drive or memory. They allow us to track and target the interests of our website users. The cookies we send to your PC cannot read your hard drive or command your computer to perform any action. Any information we collect and share with third parties through cookies is aggregated and therefore anonymous (it doesn't include personal information which is likely to identify you). The information we collect via cookies and other digital tracking tools we use may be used for security purposes, to help us identify you, to provide you with personalised features, for tracking traffic on our website and for measuring, optimising and improving performance. This helps us to be able to deliver advertisements to you for our products and services we think may be of interest to you, both on our website and third party websites. You can prevent new cookies from being installed and delete existing cookies. The procedure depends on which browser you're using. For information on how to remove cookies check your internet browser. You may be unable to log on to our secure services without accepting our cookies.
  18. In addition, our website may use third party cookies from Google Analytics for Display Advertisers. This includes features which give us insight into behavioural information relating to visitor age, gender and interests on an anonymous and aggregate level, and who has viewed our advertising. This helps us to understand browsing behaviour to give a better experience whilst visiting our website, and to optimise our advertising, including on and outside our website. Access Google’s Privacy Policy.
  19. Kiwibank may change these website terms of use at any time. Kiwibank will usually give at least 14 days’ notice of changes, by publishing them on our website. Your continued use of our website will indicate acceptance of the amended website terms of use.