Products we no longer offer

We’re focusing our efforts on where we can make the biggest difference in banking for our customers, which is why we've simplified some of our offerings. This is a list of products customers can no longer take up, and products we've completely stopped. If you still have one of these products you can find the relevant rates, fees and documents below.

If you can't find the product you're looking, you can contact us.

Accounts and packages


Personal loan insurance

As of 3 December 2020, we stopped offering Repayment Protection Insurance to new customers. If you're an existing policy holder, your cover will continue unchanged. You can cancel your policy anytime.

Cover for existing customers

  • Repayment cover – involuntary unemployment: if you unexpectedly lose your job through no fault of your own, your personal loan repayments of up to $1,500 a month will be covered while you look for a new role – up to a maximum of six months.
  • Repayment cover - disability: if you’ve become disabled as a result of sickness or injury and can’t work, your personal loan repayments of up to $1,500 per month will be covered, until you return to work.
  • Life cover: if you die, or are diagnosed with a terminal illness that means you’re likely to die within 12 months, your personal loan will be paid off in full – up to $50,000.

Download full policy (PDF 387.2 KB) effective from 15 March 2021.

Get in touch

If you've got any questions or if you'd like to make a claim, get in touch with us. If you took out your personal loan:

  • after 15 September 2009, call us on 0800 220 999 between 10.30am – 7pm, Monday to Friday.
  • before 15 September 2009, or if you’re a Kiwibank Home Loan customer with a personal loan – call us on 0800 222 491 between 9am – 6pm Monday to Friday, or 10am – 2pm Saturday.

Important information

Insurance is issued by Hallmark Life Insurance Company Ltd. (Hallmark Life) and Hallmark General Insurance Company Ltd. (Hallmark General) (incorporated in Australia and operating in New Zealand).

Life Cover is issued by Hallmark Life. Repayment Cover is issued by Hallmark General.

Hallmark Life and Hallmark General have both received Insurer Financial Strength Ratings of BBB+ from S&P Global Ratings.

Both Hallmark Life and Hallmark General maintain solvency positions in excess of their current requirements or obligations.

For full details regarding these disclosures including the table of Insurance Financial Strength Ratings, as well as the definitions of the ratings, the table of the solvency positions, and Agency & Scale can be found at

An overseas policyholder preference applies to Hallmark General.

Kiwibank receives commission for referring personal loan insurance to Hallmark Life or Hallmark General.

Personal loans and car loans are provided by Latitude Financial Services Limited (“Latitude”). Kiwibank receives remuneration for referring a personal loan to Latitude. Latitude’s lending criteria, terms and conditions, and fees apply.

Home Loan Insurance

As of 20 November 2019, we stopped offering Home Loan Insurance to new customers. If you’re an existing policy holder, your cover will continue unchanged. You can also reduce or cancel your policy at any time.

Cover for existing customers

  • Your insured debt or repayments on your Kiwibank Home Loan will be covered if you die or are unable to work because you’re sick or injured.
  • Premiums adjust as your loan changes, so you only ever pay for the right amount of cover.
  • Premiums are calculated based on factors such as your age, gender, occupation, whether you smoke, the plan you’ve chosen, your loan repayments and the outstanding balance of your home loan.
  • When you took out your cover, you would have chosen the proportion of your home loan you wanted to insure – 50%, 75%, 100% or 125% - up to a maximum of $500,000 of cover.

Download fact sheet (PDF 63.0 KB)

Download full policy wording

Important information

Home Loan Insurance is provided by Kiwi Insurance Limited. Kiwi Insurance Limited is a related party of Kiwibank Limited. Kiwi Insurance Limited is the only organisation responsible for claims under the policy. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products issued by, Kiwi Insurance Limited. Kiwibank Limited may receive a commission on any insurance it arranges.

Important terms, conditions and exclusions are set out in the Home Loan Insurance policy wording (PDF 1.5 MB). If your cover was issued before 14 May 2018, you’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions.

View Kiwi Insurance Limited's financial strength rating and solvency margin.

Kiwi Insure® is a brand of Kiwibank.

"We", "us" or "our" means Kiwi Insurance Limited.

Life & Living Insurance – prior to 16 August 2016

If you’re an existing policy holder of Life & Living Insurance taken out on or before 16 August 2016, your cover will continue unchanged. You can also increase/reduce existing cover, add benefits to your policy, or cancel your policy at any time.

Cover for existing customers

Life & Living Insurance prior to 16 August 2016 is made up of a Life Account with the option of a Living Account/Living + benefits. The cover you’ve chosen is shown in your Policy Schedule.

  • Life Account - Death and terminal illness benefit
  • Living Account - Permanent Loss of Ability to Work benefit, Temporary Loss of Ability to Work benefit, Cancer and Cardiovascular benefit
  • Living + benefits - Permanent Loss of Ability to Work + benefit, Temporary Loss of Ability to Work + benefit, Cancer and Cardiovascular + benefit, Redundancy +benefit.

Download fact sheet (PDF 73.9 KB)

Download full policy wording.

Home loans


Loaded for Travel

From 27 December 2019, we stopped offering Loaded for Travel cards to customers. As of 2 June 2020, all Loaded for Travel cards have been cancelled.

All remaining balances were converted back to NZD at the exchange rate applicable on 2 June 2020. Please note that any remaining balances are held for refund in the future in a non-interest bearing account in accordance with the law applying to unclaimed monies.

If you have funds remaining on your Loaded for Travel account, you can request a refund to any New Zealand bank account by:

If you didn't receive the goods or services purchased from a merchant who wants to credit your closed Loaded for Travel card, you can ask the merchant to credit the refund to an alternative card or bank account.

If you have questions, please give us a call on 0800 113 355 or email us on

What alternative products can I use?

There are several products similar to Loaded for Travel in the market that may suit your needs. Alternatively, your Visa Debit and credit cards can be used on your travels. Please note that you won’t be able to lock in an exchange rate with a Visa Debit or credit card.

What if I have a complaint?

If you feel we haven't delivered on what we promised, please let us know so we can try and resolve the issue. You can do this in several ways:

We take all concerns seriously and every complaint is fully investigated, as improving our customer service is important to us. If you're not satisfied with the outcome, you can send a request in writing to our Complaints Manager at to reconsider your concerns. Most concerns can be resolved by this stage. However, if your issue cannot be resolved this way, it may need to go to the Banking Ombudsman.

The Banking Ombudsman provides free independent help to resolve disagreements between banks and their customers. Banking Ombudsman brochures are available at any PostShop. The Banking Ombudsman will refer a case to us if it has not already been through our complaints process.

Download Loaded for Travel terms and conditions (PDF 99.2 KB).