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 431.9 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 409.1 KB)

Welcome brochure - Platinum card (PDF 533.7 KB)

Credit Card terms and conditions (PDF 806.5 KB)

Personal Banking Fees and Limits (PDF 177.5 KB)

Disclosure statement (PDF 991.5 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 539.5 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 806.5 KB)

Personal Banking Fees and Limits (PDF 177.5 KB)

Business Banking Fees and Limits (PDF 831.6 KB)

General Terms and Conditions (PDF 179.6 KB)

Disclosure statement (PDF 991.5 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 539.5 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 340.9 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.

Credit Card Repayment Insurance Policy wording (PDF 539.5 KB). Effective from 14 May 2015

Home Loan Insurance Policy wording (PDF 941.6 KB). Effective from 14 May 2015

House, Contents and Vehicle Insurance Policy (PDF 653.5 KB). Effective from 6 December 2016

If your policy was issued before this date, the wording in your policy may differ. Please contact Tower Insurance Limited for a copy of the policy that applies to you.

Personal Loan Repayment Protection Insurance Brochure (PDF 580.1 KB)

Personal Loan Insurance Policy wording (PDF 148.4 KB)

Kiwibank Home Loan customers who have a Personal Loan Insurance policy taken out prior to 6 June 2015.

Instant Insurance for Travel Policy wording (PDF 106.0 KB)

Life & Living Insurance Cover Wording (PDF 188.7 KB). Effective 17 August 2016

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

Financial adviser disclosures