How to make a payment

Learn how to make a payment and how to save someone’s bank account details as a ‘payee’ for next time.

Mobile app

Making a payment

  1. 1

    Log into our mobile app

    • Go to 'Pay & Transfer' at the bottom of the screen
    • Select 'Make a payment'
    • Choose the account you'd like the payment to come from.
  2. 2

    Add where the payment is going

    You'll need to select an account you'd like the payment to go to. This might be a saved payee from your list or a new payee.

    A payee is the person or business who you're making a payment to. Each payee will have its own unique account number.

    To add a new payee

    • Under to 'To' section click on 'Select a business or payee'
    • Click 'Add' at the top of the screen
    • Enter the account owner name and account number
    • You can choose to save the payee details for future payments.

    To add a business as a payee

    For some businesses or organisations we already have their account details so you won't need to manually enter them. If you can't find the business you're looking for, you'll need to add them as a new payee.

    • Click 'Add' at the top of the screen
    • Select 'Search businesses' then click 'Account owner - search businesses'
    • Type the business name you're looking for then click on the business you're wanting to pay.
  3. 3

    Enter the payment details

    • Enter the payment amount and any statement details you’d like to add
    • You can make this a recurring payment by clicking 'Date & frequency', this will let you choose how often you’d like to pay this person or business and on what day.
    KB App payment details
  4. 4

    Completing your payment

    • Click 'Make payment' to confirm you'd like to proceed
    • A pop up will appear asking you to confirm that you’d like to make the payment. This is your last chance to check and change any of the payment details or cancel the payment
    • Click 'Confirm', you’ll receive a summary receipt with all the payment details on it
    • Click 'Done' to go back to your mobile app home page.

    Our payment times page has more information for when your payment will be processed.

Add or edit a payee

  1. 1

    To add a new payee

    • Go to 'Pay & Transfer' at the bottom of the screen
    • Select 'Manage payees'
    • Enter the payee and any statement details you'd like to add
    • Select 'Save', you'll need to answer your KeepSafe question then click 'Continue'.
  2. 2

    To add a business as a payee

    • Go to 'Pay & Transfer' at the bottom of the screen
    • Select 'Manage payees'
    • Select 'Search businesses'
    • Click on 'Account owner - search businesses' then type the business name
    • Enter any statement details you'd like to add, then click 'Done'
    • Answer your KeepSafe question then click 'Continue'
    • Enter the payment amount.

    For some businesses or organisations we already have their account details so you won't need to manually enter them. If you can't find the business you're looking for, you'll need to add them as a new payee.

  3. 3

    Edit an existing payee

    • Go to 'Pay & Transfer' at the bottom of the screen
    • Select 'Manage payees'
    • Select the payee you'd like to edit and make the changes
    • Click 'Save', you'll need to answer your KeepSafe question then click 'Continue'.

Internet banking

Making a payment

  1. 1

    Log into internet banking

    • Go to 'Pay & Transfer' at the top of the screen
    • Click 'Pay someone'.

    Add where the payment is going

    You'll need to select an account you'd like the payment to go to. This might be a saved payee from your list or a new payee.

    A payee is the person or business who is the intended recipient of the funds. Each payee will have its own unique account number.

  2. 2

    To pay a saved payee

    • If you've previously saved someone's details you can select a saved payee from your list by clicking 'Select a saved payee'
    • The account number and name fields will contain the saved payees details
    • You'll need to enter the remaining information such as which account you'd like to pay from, the amount to pay, date and frequency and any statement details you'd like to add.

    To add a new payee

    • Add the account owner name
    • Add the account number
    • You can choose to save the payee details for future payments by ticking 'Save in payees list'.
    KB IB Pay someone
  3. 3

    To add a business as a payee

    For some businesses or organisations we already have their account details so you won't need to manually enter them. If you can't find the business you're looking for, you'll need to add them as a new payee.

    • Select 'Pay & transfer' at the top of the screen
    • Select 'Pay a bill' then search for the biller details by typing the business name
    • Click 'Search' then select the business you're wanting to pay.
  4. 4

    Enter the payment details

    • Enter the date you'd like to make the payment into the 'Make payment on' field
    • If you want to make this a recurring payment, you can choose from the other options that appear when you click the frequency drop down
    • Enter the payment amount and any statement details you’d like to add.
    • If you’re paying a company or tradesperson, you may need to write a reference here, e.g. your invoice number or customer number
    • Click 'Next page' to confirm the payment details.
    KB IB Paysomeone
  5. 5

    Complete your payment

    • Check the details you’ve entered before making the payment. This is your last chance to check and change any of the payment details or cancel the payment
    • If you need to make any changes, click 'Back', or cancel the payment by selecting 'Cancel'
    • Once you’ve clicked 'Make payment' it can’t be reversed or changed.
    KB IB Summary
  6. 6

    Enter your one-time PIN

    We have an additional layer of security to help keep you safe when banking online, if you're making a payment to a new payee:

    • You’ll be sent a text message with a unique PIN to the mobile number you've registered with us
    • Enter the PIN you’ve received, you’ll then be taken to the next stage.

    Find out more about authentication in internet banking.

    KB IB PIN
  7. 7

    Receive your summary

    • You’ll receive a summary receipt with all the payment details on it
    • You can print a copy if needed by clicking 'Print this page'.

    Our payment times page has more information for when your payment will be processed.

    KB IB summary receipt

Add or edit a payee

  1. 1

    Add a new payee

    • Go to 'Pay & Transfer' at the top of the screen
    • Selected 'Saved payees'
    • Click 'Add someone new'
    • Enter the payee and any statement details you'd like to add
    • Check the details are all correct before selecting 'Next page'
    • Click 'Add payee'.
  2. 2

    Edit an existing payee

    • Go to 'Pay & Transfer' at the top of the screen
    • Select 'Saved payees'
    • Click 'edit' on the payee you'd like to make the change to.
    • Check the details are all correct before selecting 'Next page'
    • Click 'Add payee'.

Confirmation of Payee

The New Zealand banking industry is working together to launch Confirmation of Payee, a new service that checks if the account owner name matches the account number of the person or business you're paying. This helps you spot potential scams and reduces the risk of you paying the wrong person.

This service will be slowly phased in by New Zealand banks starting late November 2024. It won't be available to all customers at the same time, if you have our mobile app or internet banking you’ll receive a message when the service becomes available to you.

Confirmation of Payee - common questions

The Confirmation of Payee service applies to payments between New Zealand banks when using our mobile app or internet banking, such as when you:

  • Make a one-off payment
  • Save a new payee
  • Edit an existing payee.

The service will not apply to all types of payments. Checks will not be done on payments to:

  • Overseas bank accounts
  • Registered bill payees e.g. councils, water or power companies
  • Your existing saved payees (unless you edit the payee details).

When will this service be available for me to use?

You'll receive a notification on your mobile app or internet banking when this service is available to you to use. It won't be available to all customers at the same time as it's slowly being phased in starting late November 2024.

What if I go by a name that’s different to my legal name? e.g. nickname or preferred name. 

When you provide your account details for a payment, it’s essential to give the account owner name that’s registered to your bank account. If your legal name has changed and you'd like to update your name in our systems visit our update your personal information page to find out what's needed to do this.

If you provide a different name to people who're paying you, they're likely to receive a 'Partial match' or 'Not a match' response, which might cause confusion or delay them paying you.

How do I find and share my account owner name and number?

We have a step-by-step guide on our share your account details page for how to share your account owner name and account number in our mobile app.

What does a 'match' response mean?

You'll get a 'match' response if the account owner name matches the account number. Even with this response, it's important you consider whether you know and trust the payee.

What does a 'partial match' response mean?

You'll get a 'partial match' response if the account owner name is similar but not the name registered to that account.

You'll need to carefully check the details you've entered and consider whether you know and trust the payee before you make the payment. If the account details are incorrect your payment might not be recoverable.

What does a 'not a match' response mean?

You'll get a 'not a match' response if the name you've entered doesn't match the name registered to that account. If you continue with the payment, you could send money to the wrong place and it might not be recoverable.

We strongly encourage you to consider whether you know and trust the payee. You may want to check for typos in the account owner name and number and verify the account owner's identity.

What does a 'checking is temporarily unavailable' response mean?

You'll get this response if there's a temporary technical issue at the time we're trying to make the match. You may want to attempt to make the payment at a later time when checking is available again or continue if you know and trust the payee, if the account details are incorrect your payment might not be recoverable.

What does a 'payee's bank or account type doesn't support checking' response mean?

You'll get this response when we cannot check this name and account number, either because this payee's bank doesn't provide the confirmation of payee service yet or the account number may be for an account that cannot be checked e.g. KiwiSaver. You'll need to consider whether you know and trust the payee before you make the payment, if the account details are incorrect your payment might not be recoverable.

What does a 'account may not exist' response mean?

You'll get this response when the account number entered was not found at the payee’s bank, this could mean the account could be closed or it doesn't exist. You'll need to carefully check the details you've entered and consider whether you know and trust the payee before you make the payment, if the account details are incorrect your payment might not be recoverable.

What will happen to my existing saved payees?

All your saved payees will remain unchanged. Once the service is available, you'll only be prompted to check the payee details if you're updating the account number or name.

What name do I share when I’m authorised to operate someone else’s account?

If you're an authority to operate (ATO) i.e. a parent operating their child’s account or a Power of Attorney, and you’re wanting to share their account details for receiving money, use account owner’s first and last name, not your own.

I'm a business banking customer, how does Confirmation of Payee affect me?

We have business specific Confirmation of Payee information on our business banking general payments page.

Is there a risk to my data privacy when a Confirmation of Payee check is performed?

To perform the Confirmation of Payee service, only account owner names and bank account numbers are collected and processed to perform the matching service. The service uses data encryption to perform the match and provide match notifications, without storing any personal information. The service is built to comply with the Privacy Act 2020 and adheres to high security standards.

What else do I need to know?

The matching response will help you decide if you want to proceed however, it won't stop you from completing a payment. The service won't eliminate scams or mistakes so it's important to always check who you're paying and why, even if the response is a Match.

Be particularly alert if you’re told by the person you’re paying to ignore a 'Not a match' or 'Partial match' response. If the payment details are incorrect or turn out to be a scam, the payment may not be recoverable.