We've pulled together some frequently asked questions about us going cheque-free early last year, using alternative payment options to cheques and the upcoming changes to foreign cheques.

Foreign cheques

Do you still accept foreign cheques?

From 29 April 2022, we’ll no longer accept foreign cheques or international bank drafts.

What do I do if I have a foreign cheque?

If you have a foreign cheque or international bank draft, you'll need to present it at your nearest branch before 29 April 2022.

What happens if my overseas pension is paid by cheque?

If you receive regular overseas payments by cheque or bank draft, including pensions or benefits, you'll need to arrange an alternative method to receive these funds.

Find out more about updating your pension or benefit payment from:

Are there other ways to receive money from overseas?

There are other ways to receive international payments which are not only faster but are also more secure than using foreign cheques. Learn more about receiving international payments.

Kiwibank has been cheque-free since February 2020. The following questions relate to this change and offer alternative payment options to cheques.

About the changes

When did Kiwibank go cheque-free?

Kiwibank has been cheque-free since February 2020. This means:

  • You are no longer able to deposit a domestic cheque into a Kiwibank account.
  • Customers should no longer write cheques.
  • 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.
  • All customer cheque facilities are closed, which means customer cheques won't be paid.
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.

Using bank cheques

What if I still have a Kiwibank bank cheque?

Kiwibank bank cheques that are dated up to and including 28 February 2020 can still be presented to Kiwibank for payment. You'll need to ask your bank how to do this as not all banks follow the same process.

What if I lost my bank cheque?

Unfortunately, a bank cheque can't be reissued.

Using deposit books

Can I still use my deposit books?

Kiwibank no longer provides personalised deposit books. However you can still use any pre-printed deposit slips you have to deposit cash into your Kiwibank account.

Find out how you can make deposits

What can I use to validate my bank account number?

To provide evidence of your account most organisations will accept the following:

  • A copy of the top section of a bank statement that shows the account name and number.
  • Screen shots from internet banking or mobile app showing the account name and number.
  • A printed record of the account name and number which has a bank stamp from the branch to confirm the account name and number.

Using cheques

What if I receive a cheque?

Unfortunately we can no longer accept domestic cheque deposits into Kiwibank accounts. If you recieve a cheque, you’ll need to contact the person who gave you the cheque and ask them to pay you directly into your bank account.

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

From 29 April we'll no longer accept international cheques.

What do I do with my leftover cheques?

Any leftover cheques can be destroyed, you don't need to return them to Kiwibank.

What if someone I am paying insists on a bank cheque?
  • Ask them for their bank account number to pay them directly.
  • Offer a cash payment.
  • Ask what other payment methods they have available.

Other payment options

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. All you’ll have to do is ask for their bank account number. 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.
  • 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.
How can I set up phone and internet banking?

It's easy – check out our Support Hub or just give us a call on 0800 11 33 55 or from overseas +64 4 473 1133, or visit your nearest Kiwibank to get set up.

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.

How can I pay my tax?

Inland Revenue is cheque-free from 1 March 2020. There are a number of other ways you can pay your tax:

  • Though internet banking or the mobile app. Log in and go to Pay & Transfer and select the Pay Tax option from the list. For some payments you might be able to set up an automatic payment or direct debit.
  • Through your myIR account, where you'll be able to make a direct card payment.

To find out more, please visit ird.govt.nz.

How can I make cash deposits?

You can use your EFTPOS or Visa Debit Card at your nearest Kiwibank or cash deposit ATM to deposit cash into your account.

Alternatively, blank deposit slips are available free at all branches – simply write your bank account on one of these and take to the counter.

What if my account needs two signatories to operate?

We have options for you to operate a ‘two to sign’ account via internet banking. Online payments set up by one signatory will need to be authorised by a second signatory before processing. You can also register to receive a text or email alert when there is a payment waiting to be authorised. Call us and we can help set you up with this online facility.

Business banking customers

What if I receive cheques from my customers?

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.

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

For businesses, Kiwibank QuickPay® is also a good low-cost option for receiving payments on the go.

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.

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

As a business, what are my other payment options?

Kiwibank QuickPay® is a good low-cost option for receiving payments on the go.

There are lots of ways to make and receive payments. For everything you need to know about making the change to digital, visit our pay and get paid section.

Going digital and staying safe online

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 361.7 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

What is Stepping UP and how can they help me?

Working with over 120 community centres and libraries around the country, Stepping UP help build skills and confidence in using computers and digital technologies.

Our partnership has developed a new Digital Banking workshop which will be available to help people understand the basics of digital banking and how to protect your banking online.

Learn more about Stepping UP workshops

Still can't find what you're looking for?

We're here to help as you switch from cheques to alternative methods of payment.

Get in touch with our team

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