Rates & fees

Cash handling fee – deposits

When you deposit cash at a Kiwibank branch

• Free up to and including $4,000 worth of notes or $200 worth of coins per business per day
• If more than $4,000 worth of notes per business per day, then 0.35% of the total value of notes
• If more than $200 worth of coins per business per day, then 0.35% of the total value of coins

Minimum fee $5

Cash handling fee – withdrawals

When you withdraw cash at a Kiwibank branch

• Free up to and including $4,000 worth of cash per business per day
• If more than $4,000 worth of cash per business per day, then 0.35% of the total value of cash.

Minimum fee $5

Change order fee

When you order change by internet banking for collection at a Kiwibank branch

• $3 per change order
• The maximum order amount is $3,000
• $15 per change order not collected within two business days of the collection date

Investigation fee

When you ask us to investigate something about your account.

$60 per hour; minimum fee $15

Payment retrieval fee

When you make a payment in error and ask us to retrieve the payment (even if the retrieval is unsuccessful)

• $20 if the payment in error was made to a Kiwibank account
• $45 if the payment in error was made to an account at another bank

ATM/EFTPOS card replacement fee

When you ask for a replacement ATM/EFTPOS card

$15

Overseas ATM balance enquiry fee

When you use your ATM/EFTPOS card or Visa Debit Card to make an ATM balance enquiry at an overseas ATM

$1 per balance enquiry

Overseas ATM cash withdrawal fee

When you use your ATM/EFTPOS card or Visa Debit Card to withdraw cash at an overseas ATM

$6 per withdrawal

Overseas ATM transaction decline fee

When you use your ATM/EFTPOS card or Visa Debit Card at an overseas ATM and the transaction declines

$1 per declined transaction

Overseas currency conversion commission

When you use your ATM/EFTPOS card or Visa Debit Card for a foreign currency transaction

2.5% of the New Zealand dollar amount once converted

Visa Debit Card annual fee

What you’ll pay to have your Visa Debit Card

$10 per card per annum (waived for the first year of the first card)

Visa Debit Card cash advance fee

When you use your Visa Debit Card to withdraw cash over the counter at another bank or financial institution

$6 per withdrawal

Visa Debit Card disputed transaction fee

When you dispute a transaction made using your Visa Debit Card

$15 per transaction receipt requested

The investigation fee may also apply.

Visa Debit Card replacement card fee

When you ask for a replacement Visa Debit Card

• $15 for standard delivery within New Zealand
• $20 for urgent delivery within New Zealand
• $20 for standard international delivery
• $50 for urgent international delivery

Automatic payments, recurring transfers or one-off payment set up & change fee

When you set up or change an automatic payment, recurring transfer or one-off payment

Free for 30 days from account opening, then:

• $5 per set up/change when done person to person at your nearest Kiwibank, over the phone, or via Secure Mail;
• $3.50 per change when done using the automated phone banking system; or
• Free set up/change when done by internet banking.

This fee also applies if you choose to skip a scheduled payment/transfer.

Bill payee set up & change fee

When you set up or change a bill payee

Free for 30 days from account opening, then:

• $5 per set up/change when done person to person at a Kiwibank branch or over the phone;
• free for set up/change for one-off payments when done by internet banking

Statement copy fee

When you ask us for a copy of an account statement

$4 per statement

Transaction history printout at branch fee

When you ask us for a transaction history printout at a Kiwibank branch

• $4 per request for a detailed transaction history (available from a Kiwibank banking representative)