Public notices 2026

We’re updating our Privacy Policy to make it clearer and easier to understand how we collect, use and share personal information.

The changes include:

• Clearer descriptions of the personal information we collect, including information used to help protect customers from fraud and scams.
• More detail about why we collect and use personal information, such as to provide and manage banking services, keep customers safe, improve our services, and meet legal and regulatory requirements.
• Greater transparency about who we may share personal information with, including people you authorise, service providers who support our operations, industry and payment system organisations, and regulators or government agencies where required by law.
• Updated information about Open Banking, including what information may be shared with third party providers you authorise.
• Clearer explanation of your privacy rights, including access and correction rights, and how withdrawing consent may affect the services we can provide.

These updates are intended to improve transparency and reflect how we operate today. They don’t change our commitment to protecting your personal information.

Date effective: 28 April 2026

Date published: 13 April 2026

We're making some changes to our asset finance terms and conditions (specifically our asset finance fees) and our KiwiLink and KiwiPlus agreements, including how we disclose and describe our fees to you. This also means we're making some changes to our Business Banking Fees & Limits.

Summary of changes:

From 1 April 2026, all our fees for asset finance term loans and our KiwiLink and KiwiPlus facilities will be published in the Business Banking Fees & Limits brochure, and on our asset finance page for you to refer to at any time. The Business Banking Fees & Limits brochure forms part of your asset finance agreement with us and replaces any fees disclosed in that agreement.

We're also removing and reducing several of our fees for asset finance term loans and our asset finance KiwiLink and KiwiPlus facilities. From 1 April 2026, the Business Banking Fees & Limits brochure will include these updated fees.

Fees we're changing

These fees are being updated, replaced, or re‑structured.

From 5 March 2026, you'll no longer be able to link the following accounts to Offset Home Loans:

• Online Call
• First Saver
• Back Up Saver*
• Fast Forward Saver*
• Front Runner*
• Bill Blaster*
• Revolving Home Loan

If you currently have an Online Call or First Saver linked to an Offset Home Loan, you’ll be able to keep this link until 4 August 2026. Existing linkages to the other accounts listed above can be kept until further notice.

*As of 25 March 2021, we no longer offer new Back Up Saver, Fast Forward Saver, Front Runner or Bill Blaster accounts.

Effective date: 5 March 2026

Published date: 19 February 2026

We’re making rate changes to our variable home loans and savings accounts across personal and business accounts. We're also changing our standard business and housing backed loans.

These rate changes impact Variable, Offset and Revolving home loans, Variable, Overdraft and Revolving business loans, and our Notice Saver, Online Call, PIE Online Call and Business Online Call accounts.

Variable, Offset & Revolving home loans

We're increasing our rates on the following home loans from:

• Monday 23 February 2026 for new loans
• Monday 9 March 2026 for existing loans.

* Applicable for both special and standard interest rates.

Business Variable, Overdraft & Revolving loans

We're increasing our rates for new and existing standard business and housing backed loans. These will increase by 0.10% p.a. on:

• Monday 23 February 2026 for new loans
• Monday 9 March 2026 for existing loans.

If these changes affect you, we'll contact you prior to the interest rate changing in accordance with your loan agreement.

Notice Saver, Online Call, PIE Online Call & Business Online Call accounts

We're increasing our rates from Monday 23 February 2026 on the following accounts.

Notice Saver