How it works
Some actions in the mobile app or internet banking require extra security, like logging in, updating your details, or sending money to a new person or payee.
To verify it's you, we'll send a unique code by text message to your verified New Zealand mobile number.
Enter the code to continue.
How to receive your SMS one-time codes
To receive SMS one-time codes, you'll need a verified New Zealand mobile number linked to your account. You can verify your mobile number in the mobile app or internet banking.
Receiving SMS one-time codes is free when you're in New Zealand.
Not receiving your SMS one-time codes
Check the following:
- Your mobile number is up to date and verified. See how to update or verify your mobile phone number.
- You haven't blocked messages from Kiwibank (numbers 4336 or 4337). Unblock them to receive the code.
- You have good mobile reception, and can receive text messages.
- You're using a New Zealand mobile number. SMS one-time codes aren't available for international numbers.
If you've checked the above and still aren't receiving your code, restart your phone and check your message inbox isn't full. If it still isn't working, contact us.
Keep your codes safe
- Never share your SMS one-time code with anyone, including Kiwibank, family or friends.
- If you receive a code you weren't expecting, or think someone else has access to it, change your password and contact us immediately.
- If your code has expired, you can request a new SMS one-time code when prompted.
- If you lose your phone or don’t have it with you, contact us for help.
Travelling overseas
We can't guarantee you'll be able to receive SMS one-time codes overseas.
Before you go overseas:
- Set up the mobile app.
- Check with your mobile or data provider for any charges.
- Let us know when you're going overseas by adding a travel notice.
Contact us if you need help.