Annual reports and bank disclosures

Terms and conditions and other key documents

Home Loans

Home Loan Terms and Conditions (PDF 183.1 KB)

Sample - Kiwibank Home Loan Agreement (PDF 496.4 KB)

Notice of Waiver of Mortgage Term (PDF 23.3 KB)

Terms and Conditions for New Zealand Home Loans and AMP can be found at nzhltool.co.nz and amptools.co.nz

Air New Zealand Airpoint Credit Cards

View all terms, fees, policies and other key information for Air New Zealand Airpoints credit cards.

Welcome brochure - Low Fee and Standard cards (PDF 210.0 KB)

Welcome brochure - Platinum card (PDF 189.0 KB)

Credit Card terms and conditions (PDF 154.2 KB)

Personal Banking Fees and Limits (PDF 170.8 KB)

Credit Card Disclosure Statement (PDF 53.7 KB)

Travel Insurance for Kiwibank Credit Cards Policy (PDF 195.8 KB). For customers who were issued with their credit card from 19 September 2013

Credit Card Repayment Insurance Policy wording (PDF 544.2 KB)

Air New Zealand Airpoints Terms and Conditions can be found at airnewzealand.co.nz

Air New Zealand Airpoints Monthly Prize Draw Terms and Conditions can be found at airnewzealand.co.nz

Kiwibank Credit Cards

Credit Card terms and conditions (PDF 154.2 KB)

Personal Banking Fees and Limits (PDF 170.8 KB)

Business Banking Fees and Limits (PDF 831.6 KB)

General Terms and Conditions (PDF 179.6 KB)

Credit Card Disclosure Statement (PDF 53.7 KB)

Travel Insurance for Kiwibank Credit Cards policy wording (PDF 195.8 KB). For customers who were issued with their credit card from 19 September 2013.

Travel Insurance for Kiwibank Mastercard policy wording. For customers who were issued with their credit card prior to 19 September 2013.

Credit Card Repayment Insurance Policy wording (PDF 544.2 KB). Effective from 11 April 2011

Credit Card Repayment Insurance Policy (PDF 212.7 KB). Effective to 10 April 2011

Fees and limits

Investment statements

Product disclosure statements

Product disclosure statements for financial products distributed by Kiwibank

Set out below are copies of the product disclosure statements for financial products distributed by Kiwibank that have been lodged on the Disclose Register

Product Disclosure Statement for the Kiwi Wealth KiwiSaver Scheme (PDF 291.8 KB)

Product Disclosure Statement Interest Rate Transactions (PDF 345.2 KB)

Product Disclosure Statement Foreign Exchange Transactions (PDF 352.0 KB)

Insurance policy wordings

Policy wordings for insurance distributed by Kiwibank

If your policy was issued before the effective date stated below, please refer to the policy wording that applies to you under the insurance section of our archived legal documents page.

Home Loan Insurance

Home Loan Insurance Policy wording (PDF 1.0 MB). Effective from 14 May 2018

Life & Living Insurance

Life & Living Insurance Cover wording (PDF 274.8 KB). Effective from 14 May 2018

House, Car and Contents Insurance

Kiwi Insure House Insurance policy (PDF 1014.8 KB) effective from 5 April 2018

Kiwi Insure Car Insurance - Comprehensive policy (PDF 589.7 KB) effective from 5 April 2018

Kiwi Insure Car Insurance - Third Party Fire and Theft Insurance policy (PDF 482.1 KB) effective from 5 April 2018

Kiwi Insure Car Insurance - Third Party Only Insurance policy (PDF 531.5 KB) effective from 5 April 2018

Kiwi Insure Contents Insurance policy (PDF 1.1 MB) effective from 5 April 2018

Credit Card Repayment Insurance

Credit Card Repayment Insurance Policy wording. (PDF 544.2 KB) Effective from 14 May 2018

Travel Insurance

Travel Insurance for Kiwibank Credit Cards Policy (PDF 195.8 KB)

Personal Loan Insurance

Personal Loan Repayment Protection Insurance Brochure (PDF 322.2 KB). Effective from 31 August 2017

Financial adviser disclosures