Kiwibank has gone cheque-free. If you need support transitioning to different ways of making payments, we’ve got resources and friendly experts to help you learn about fast, cheap and safe payment alternatives.

What’s happened to cheques?

On 16 May 2019, we announced our decision to stop issuing and accepting cheques from 28 February 2020. This means after 28 February 2020:

  • You won't be able to deposit a cheque into a Kiwibank account.
  • Customers should no longer write cheques. Kiwibank cheques may be accepted for deposit at other banks until 31 March 2020.
  • Kiwibank has stopped providing Bank Cheques. However, any Kiwibank Bank Cheques issued prior to this date will be honoured as usual even if they're presented after this date.

After 31 March 2020, all customer cheque facilities will be closed.

Why has Kiwibank stopped cheque services?

Stopping our cheque service wasn't an easy decision to make. However, for the last five years the use of cheques at Kiwibank has been declining at a rate of 20% year-on-year as customers choose less expensive ways to pay. In fact, more than 99% of our customers' payments are via alternative methods.

If you're a business customer, we've created a checklist and resources to help you inform your customers that you'll no longer be able to accept cheques.

There are a number of ways we can help you through this change, including Stepping UP digital banking workshops, Kiwibank Tech Teas or our digital support hub. We also created a handy list of frequently asked questions.

What about deposit books?

Kiwibank no longer provides personalised deposit books. However customers can continue to use their personalised deposit slips to deposit cash into Kiwibank bank accounts. You'll also still find deposit and withdrawal slips in Kiwibank branches.

Frequently asked questions

For a full list of frequently asked questions about the changes to cheques, visit our FAQs page.

What are my other payment options?

There are plenty of ways to make and receive payments.

To make a payment:

  • If you want to pay someone, you can use internet, mobile or phone banking. You'll require the bank account number of the person you're paying. If you don't have these payment options 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.
  • 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 receive a payment:

  • To receive a payment, you'll need to provide your bank account number to the person paying you. If you aren’t sure where to find it, we can help.
  • To transfer money from your account at another bank to your Kiwibank account, use the other bank’s internet banking or mobile app. You can also withdraw funds from your other bank and make a cash deposit into your Kiwibank account.
What are the key advantages of electronic transactions?
  • Electronic transactions give you faster access to funds and can be used immediately once the money appears in your account.
  • Electronic transactions give you greater transaction insight and transparency.
  • Electronic payments can be future dated.
What if I receive a cheque after 28 February 2020?

Unfortunately, we won’t be able to accept cheques after 28 February 2020.

If this happens, you’ll need to contact the person who gave you the cheque and ask them to pay you directly into your bank account. This can be done online or in branch.

If you receive regular payments by cheque, please contact the person paying you to set up a payment direct to your bank account.

How do I stay safe online?

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 200.5 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

How can I pay people who work for me at home like the plumber or electrician?

The best way to pay is through a direct deposit into their account. Ask them for their account details and save them as a payee to make it easier in the future.

I'm a business, how can I help my customers move to digital?

We can help you set up more efficient ways of accepting payments.

Options to help your customers pay you electronically are:

  • Register as a public biller with all New Zealand banks for free. Customers will be able to search for your business when they're making a payment within internet banking.
  • If you're eligible, get set up with Merchant Services, Fetch, direct debit services or Kiwibank QuickPay®, which is a low-cost solution for accepting card payments on the go.

Options for charities to receive donations electronically are:

  • Use contactless donation technology.
  • Ask your regular donors to set up an automatic payment.
  • Get set up with text donations.

Educate your customers on the advantages of paying electronically:

  • Lower cost of processing
  • Easier cash management (no clearance times or dishonours)
  • Lower reconciliation effort
  • Greater transaction insight and transparency
  • Payments can be future dated.

Alternatively, let them know they can give us a call on 0800 113 355 (anytime between 7am and 8pm, Monday to Friday and between 8am and 4:30pm on weekends).

Learn more about our payment solutions

Need help going digital?

We're here to help as you switch from cheques to alternative methods of payment. The good news is there are lots of easy and convenient ways to make payments, that are cheaper, faster and secure.

Staying safe online

We do everything we can to protect your money and personal information. This includes two online authentication services that provide an extra layer of security when you're using internet banking and our mobile app.

Educate yourself about scams and safety

If you haven’t spent a lot of time online, then the independent online safety watchdog Netsafe would be worth a visit. Netsafe is full of information and tips about how to stay safe online and avoid scams. We also have resources to help you stay safe online.