We're making some changes to our NZHL Fees and Limits.

Due to recent regulatory and banking-industry changes in Australia, we're removing the International Direct Credit (IDC) payment option.

Summary of changes:

From 14 May, you'll no longer be able to:

• Send an AUD IDC to Australia
• Send a GBP IDC to the United Kingdom

IDC is only currently available for these two countries.

You can continue to send payments to Australia and the United Kingdom, using the International Money Transfer (IMT) payment option.

Download a copy of the updated NZHL Fees and Limits – effective 14 May 2026.

Date effective: 14 May 2026

Date published: 30 April 2026

• You’ll see a new look when transferring money between your accounts, but everything works the same and stays secure.
• We'll be rolling out these updates in phases to small groups of customers, so not everyone will see the updates straight away.

Find out more about our internet banking refresh.

Effective from: 23 March 2026

Date published: 18 March 2026

We’re making rate changes to our variable home loans.

These rate changes impact Term loan — variable and Reducing revolving home loans.

We're increasing our rates on the following home loans from:

• Monday 23 February 2026 for new loans
• Monday 9 March 2026 for existing loans.

* For all bridging loans, the interest rate will be 1% p.a. above our NZHL variable rate or NZHL reducing revolving rate, as applicable.

Date effective: 23 February 2026

Date published: 23 February 2026

Changes to your internet banking login

• When you log in to internet banking, you'll see refreshed sign-in screens with a cleaner layout.
• How you log in hasn't changed — you'll still use your existing access number and password.

• During the rollout, you may notice the web address (URL) change when you log in to internet banking or move between different parts. This is expected and your banking remains secure.
• Genuine NZHL URLs always contain "nzhltransact.co.nz".
• We'll be rolling out these updates in phases to small groups of customers, so not everyone will see the updates straight away.

Find out more about our internet banking refresh.

Date effective: 28 January 2026

Date published: 22 January 2026