Cheques

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.

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.

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

There are many advantages to going digital:

• Electronic transactions can give you faster access to funds and can be used immediately the money appears in your account.
• Cheques can cost both you and the person you’re paying. Electronic transactions are usually much cheaper and often free.
• If the cheque is going to dishonour, you may not know for up to a week. An electronic transaction can be used as soon as you receive it.
• Electronic transactions give you greater transaction insight and transparency.
• Electronic payments can be future dated.

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.

The good news is these businesses will receive your payment much faster than they would have if they were paid by cheque.

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

Some payment alternatives include:

• Register as a public biller with all New Zealand banks for free.
• Ensure your customers have access to your account number on invoices.
• 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.
• Use contactless donation technology. One UK charity has seen a 309% increase in donations from an unattended contactless donation point.
• Ask your regular donors to set up an automatic payment.
• Get set up with text donations.

We can also help you educate your customers on why they should pay electronically:

Lower cost of processing

Lower fees

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 11 33 55 (anytime between 7am and 8pm, Monday to Friday and between 8am and 4:30pm on weekends).

Learn more about our payment solutions