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Public notices

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Upcoming & recent changes for NZHL-arranged home loans

Changes to our NZHL General Terms & Conditions – 6 November 2026

We’re making some updates to our NZHL General Terms and Conditions.

Summary of changes:

Using Click to Pay & other payment services
  • We’ve added information about Click to Pay, which may be enabled automatically on eligible cards.
    • If Click to Pay is enabled on your card, you can opt out in accordance with the Kiwibank Click to Pay Terms and Conditions.
  • We’ve clarified that separate terms and conditions may apply when you use services or features such as Click to Pay, Apple Pay or Google Pay.
    • These separate terms and conditions take priority over our NZHL General Terms and Conditions and include different rules about when you may be responsible for unauthorised transactions.

Download a copy of the Kiwibank Click to Pay Terms and Conditions.

Digital banking security & verification
  • We’ve updated our digital banking terms to reflect the ways you can log in and verify payments and other actions, including passkeys.
  • We’ve clarified your responsibilities for keeping your devices, login details and other authentication methods secure, and when you may be responsible for unauthorised transactions.
How we manage sanctions risk

We’ve updated our terms so that we can take steps to manage sanctions risk.

This includes when we may refuse instructions, block or reverse payments, suspend or close an account, product or service. These rights may apply where we know or reasonably suspect that an instruction, payment, account, product or service breaches sanctions or presents sanctions risk.

Download a copy of the updated NZHL General Terms and Conditions – effective 6 November 2026.

Date published: 23 October 2026

Date effective: 6 November 2026

Changes to internet banking login

As online security continues to evolve, we're introducing new ways to verify it's you when you log in to internet banking.

In the coming weeks, you may be asked to:

  • Approve your login with an app notification.
  • Enter a one-time code sent by text to your mobile.

These are genuine Kiwibank security checks, and expected as part of logging in.

You'll still be able to access internet banking using KeepSafe if these options aren't available to you.

Stay safe

Only approve a notification or enter a code when you're logging in to internet banking yourself.

If you receive one you weren't expecting, don't approve it and contact us immediately.

Previous public notices

For older public notices, see our public notices archive.