With a bank cheque, the payment comes from the bank itself rather than directly from a customer's account. While we're phasing out bank cheques, we offer a number of easy alternatives for making payments.

What’s happening to bank cheques?

Kiwibank is going cheque-free. We’ll no longer offer bank cheques from 28 February 2020, however if you have a bank cheque that was issued by Kiwibank before this date, you'll still be able to deposit it with Kiwibank or another bank. These cheques will be subject to the usual checks before they’re paid.

For more information about the changes, why and when they're happening and other forms of payment, please visit our cheques page.

What if I lost my bank cheque?

If you've lost a bank cheque issued by Kiwibank before 28 February 2020, you'll need to go into a branch to complete and sign a Lost/Stolen/Destroyed Bank Cheque Indemnity form.

If the bank cheque has been lost in the mail, we won't reissue or refund the cheque until 14 days has lapsed from the day the bank cheque was posted. A bank cheque will not be reissued after 28 February 2020.

Frequently asked questions

To help you through these changes, we've created a handy list of frequently asked questions.

What are the timings for this change?

There are three dates you need to remember:

*Any bank cheques issued prior to this date will be honoured as usual even if they're presented after this date.

Important: You'll need to be using alternative methods of payment before 28 February 2020.

What if I still have a bank cheque?

Kiwibank bank cheques that are dated up to and including 28 February 2020 can be deposited as normal with Kiwibank or another bank.

What if I lost my bank cheque?

If you've lost a bank cheque issued by Kiwibank before 28 February 2020, you'll need to go into a branch to complete and sign a Lost/Stolen/Destroyed Bank Cheque Indemnity form.

If the bank cheque has been lost in the mail, we won't reissue or refund the cheque until 14 days has lapsed from the day the bank cheque was posted. A bank cheque will not be reissued after 28 February 2020.

What are my other payment options?

There are plenty of easy ways to make and receive payments.

  • If you want to pay someone, you can use internet, mobile or phone banking. All you’ll have to do is ask for their bank account number. If you don’t have this set up, we can help.
  • If you think you’ll be paying the same person again, you can save their bank account details on your Saved Payee list to make future payments by internet, mobile or phone banking easy.
  • If you make regular payments to the same person or organisation for the same amount, you can set up an automatic payment.
  • To receive a payment, just give the person paying you your bank account number. If you aren’t sure where to find it, we can help.
  • You can set up a direct debit from your account to pay your utility bills. Just talk to your provider. In some cases, doing this will get you a discount.
  • To transfer money from your account at another bank to your Kiwibank account, use the other bank’s internet banking or mobile app. If you don’t have this, just call them and they’ll be able to help. You can also withdraw funds from your other bank and make a cash deposit into your Kiwibank account.
How can I give my account number to someone?

Some options for you:

  • Copy your account number from internet banking or mobile app. You can either paste it into an email or text or simply write it down for them.
  • Your account number is also available on your bank statements.
  • For business customers, include your bank account number for payment on the invoice.
I’m worried internet banking isn’t safe.

We have an internet banking guarantee to help protect our customers from scams. If you've been the victim of unauthorised activity on your accounts within internet banking or our mobile app, we'll reimburse any money you've lost as long as you’ve complied with our general terms and conditions (PDF 180.3 KB), haven’t acted dishonestly or negligently and have taken reasonable steps to protect your banking.

We’re also partnering with Stepping UP to run workshops for anyone keen to learn more about staying safe online.

Learn more about Stepping UP workshops

Other ways to pay

The good news is there are lots of easy and convenient ways to make payments, that are cheaper, faster and secure.