Cheques

Kiwibank bank cheques that are dated up to and including 28 February 2020 can be deposited as normal with Kiwibank or another bank and will be paid (subject to the usual checks).

Unfortunately, a bank cheque can't be reissued.

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.

• 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.

Unfortunately we can no longer accept cheque deposits into Kiwibank accounts.

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.

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

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.

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