Accounts and packages
On 24 August 2022, we stopped offering our Fast Forward Saver, Back-up Saver and First Saver accounts. If you already have one or more of these accounts, you’ll be able to continue to use them as normal for now. Rates and transactional fees stated below are applicable for existing customers on these accounts. Download our Personal Banking Fees and Limits brochure.
Rates & fees
Interest rates are subject to change. Service fees may apply.
|
Fast Forward Saver |
Back-up Saver |
First Saver |
|
|
Interest rates |
Fast Forward Saver $0 - $999 (active) for balances Fast Forward Saver $0 - $999 (active)* |
Back-up Saver $0 + (active) for balances Back-up Saver $0 + (active) |
First Saver $0+ (active) for balances First Saver $0+ (active) |
|
Deposit at Kiwibank branch |
$3 per transaction No fee for the first deposit each month |
$3 per transaction No fee for the first deposit each month |
No fee |
|
Withdrawal at Kiwibank branch |
$3 per transaction |
$3 per transaction |
No fee |
|
Inoperative account management fee |
When you haven’t initiated any transactions for one year and have a balance of less than $200 across all your everyday and savings account(s) $30 per year. This fee is charged across all your everyday and savings account(s). If there’s less than $30 across all your everyday and savings account(s) we’ll take whatever balance is in your account(s). Accounts with $0 balance before or after the fee is charged will be closed. |
||
|
Account management fee |
No fee |
No fee |
No fee |
|
Transfers - for electronic transfers between your Kiwibank accounts |
No fee |
No fee |
No fee |
|
Electronic transactions - online, EFTPOS, automatic payment, direct debit, bill payment |
No fee |
No fee |
No fee |
|
Kiwibank ATM withdrawal1 |
— |
No fee |
— |
*Fast Forward Saver Fixed bonus rate (active)
1There are also service fees relating to other ATM transactions.
As of 24 August 2022, we stopped offering Business Performer accounts. If you already have one of these accounts, you’ll be able to continue to use your account as normal for now. Rates and transactional fees stated below are applicable for existing customers on this account. Download our Business Banking Fees and Limits brochure.
Rates & fees
|
Interest rates |
Business Performer $0 - $4,999 (active) for balances Business Performer $0 - $4,999 (active) Business Performer $5,000 - $19,999 (active) for balances between Business Performer $5,000 - $19,999 (active) Business Performer $100,000 + (active) for balances Business Performer $100,000 + (active) |
|---|---|
|
Account management fee |
Free |
|
Inoperative account fee |
When you haven’t initiated any transactions for one year and have a balance of less than $200 across all your transaction and savings account(s) $30 per year. This fee is charged across all your transaction and savings account(s). If there’s less than $30 across all your transaction and savings account(s) we’ll only charge the remaining balance. Account(s) with $0 balance before or after the fee is charged will be closed. |
|
Bulk payments fee (multiple payments and batch uploads) |
$0.20 per item |
|
Deposit fee |
First 25 electronic deposits free per business per month, then $0.35 per electronic deposit. First 25 manual deposits (at your nearest Kiwibank) free per business per month, then $1 per manual deposit. |
|
Transfers (for electronic transfers between your Kiwibank accounts) |
Free |
|
Withdrawal fee – ATM |
— |
|
Withdrawal fee – direct debit |
$0.35 per withdrawal |
|
Withdrawal fee – EFTPOS, online |
— |
|
Withdrawal fee – nearest Kiwibank |
$0.70 per withdrawal |
|
Withdrawal fee – automatic payment and bill payment |
$0.35 per withdrawal |
As of 1 February 2021 we stopped offering the Tertiary Pack.
As of 1 February 2021 we stopped offering the Graduate Pack.
On 25 March 2021 we stopped offering our Now, Bill Blaster and Front Runner accounts, which means you can no longer open these account types. If you already have any of these accounts, you can continue to use them as usual and the below rates and fees will apply. You can also download our Personal Banking Fees and Limits brochure.
We've simplified our offering to one everyday account; Free Up, which has no monthly account or electronic transaction fees. If you'd like to close or switch your Now, Bill Blaster or Front Runner account to a Free Up account, please contact us.
Rates & fees
Interest rates are subject to change. Service fees may apply.
|
Now account |
Bill Blaster |
Front Runner |
|
|---|---|---|---|
|
Interest rates |
Now Account (active) for balances $0+ |
Bill Blaster $0 - $99 (active) for balances $0 - $99 Bill Blaster $100 + (active) for balances $100+ |
Front Runner $0-$3,999 (active) for balances $0 - $3,999 Front Runner $4,000 - $14,999 (active) for balances $4,000 - $99,999 Front Runner $100,000+ (active) for balances $100,000+ |
|
Deposit at Kiwibank branch |
$3 per transaction No fee for the first deposit each month |
$3 per transaction No fee for the first deposit each month |
$3 per transaction No fee for the first deposit each month |
|
Withdrawal at Kiwibank branch |
$3 per transaction |
$3 per transaction |
$3 per transaction |
|
Inoperative account management fee |
When you haven’t initiated any transactions for one year and have a balance of less than $200 across all your everyday and savings account(s). $30 per year. This fee is charged across all your everyday and savings account(s). If there’s less than $30 across all your everyday and savings account(s) we’ll take whatever balance is in your account(s). Account(s) with $0 balance before or after the fee is charged will be closed. |
||
|
Account management fee |
No fee |
No fee |
No fee |
|
Transfers – for electronic transfers between your Kiwibank accounts |
No fee |
No fee |
No fee |
|
Electronic transactions - online, EFTPOS, automatic payment, direct debit, bill payment |
No fee |
No fee |
No fee |
|
ATM withdrawal1 |
No fee |
No fee |
No fee |
An unauthorised overdraft rate of 22% p.a. will apply if your account goes into negative balance or exceeds any agreed overdraft limit. Interest rates are subject to change.
1There are also service fees relating to other ATM transactions.
As of 10 April 2022 we stopped offering Membership Packages for partners, including Mates Rates and Public Service Association (PSA).
Grey Power
As of 30 January 2021 we stopped offering Grey Power members the option to sign up to contribute to the Grey Power commission payment.
Cards
From 22 October 2024, we removed Corporate Liability Waiver Insurance as a benefit from the Business Low Rate Visa.
From 5 July 2021 we stopped offering the Business Mastercard. This card has been replaced by our Business Low Rate Visa.
From 27 December 2019, we stopped offering Loaded for Travel cards to customers. As of 2 June 2020, all Loaded for Travel cards have been cancelled.
All remaining balances were converted back to NZD at the exchange rate applicable on 2 June 2020. Please note that any remaining balances are held for refund in the future in a non-interest bearing account in accordance with the law applying to unclaimed monies.
If you have funds remaining on your Loaded for Travel account, you can request a refund to any New Zealand bank account by:
- Completing a closure form, then scan and email loaded@kiwibank.co.nz or send to Loaded Card, Private Bag 39 888, Wellington Mail Centre, Wellington 5045
- Sending a secure mail via internet banking or our mobile app if you're an existing Kiwibank customer.
If you didn't receive the goods or services purchased from a merchant who wants to credit your closed Loaded for Travel card, you can ask the merchant to credit the refund to an alternative card or bank account.
If you have questions, please give us a call on 0800 113 355 or email us on loaded@kiwibank.co.nz.
Download Loaded for Travel terms and conditions.
On 24 November 2021 we stopped offering our Low Rate Visa. This card has been replaced by our Zero Visa.
On 27 May 2025 we stopped offering our Air New Zealand Airpoints™ Low Fee Visa. If you're an existing Airpoints credit card holder you can continue to use your card and earn Airpoints on eligible purchases until 31 October 2025.* We'll be in touch about moving you over to our new Platinum Visa credit card with benefits such as overseas travel insurance. From 1 July 2025, domestic travel insurance benefits will also be available on this card.
Find out more about this change.
Features and benefits for existing cardholders
- One Airpoints Dollar™ for every $200 of eligible spend*
- Interest rate on purchases and cash advances 735 - Airpoints Low Fee Visa - interest rate on purchases (active)
- Up to 44 days interest free on purchases.
Interest rates, fees & rewards
|
Airpoints Dollars |
Earn one Airpoints Dollar for every $200 spent on eligible purchases*. As long as you have a current credit card and you’re the primary cardholder, your Airpoints Dollars will never expire. |
|
Account fee (every six months) |
$25 |
|
Joint/additional cardholder account fee (every six months) |
$5 per card |
|
Interest rate on purchases and cash advances |
735 - Airpoints Low Fee Visa - interest rate on purchases (active) |
|
Interest free days |
Up to 44 Interest free period applies provided you pay off your entire balance each month by the due date. Interest free period doesn't apply to cash advances or balance transfers. |
|
Balance transferred from a non-Kiwibank credit card |
Credit Card balance transfer rate (active) for Credit Card balance transfer rate (active) |
|
Minimum credit limit |
$1,000 |
|
Late payment fee |
When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement. $5 per late payment Please note when your monthly statement shows an amount due immediately, any payment you make will be applied to this amount before being applied to your minimum payment. This means that you must pay both amounts to avoid being charged this fee. |
Air New Zealand Airpoints Visa Benefits Conditions
Earning Airpoints Dollars
As well as earning Airpoints Dollars whenever you buy things with your Airpoints™ credit card, you’ll also earn them when:
- you fly with Air New Zealand or their Airpoints™ partner airlines
- you stay at Airpoints™ partner hotels
- you rent Airpoints™ partner cars
See all the ways you can earn Airpoints Dollars.
Shairpoints™
You can only link one Airpoints™ account to a card — but if you’ve got a joint account, you can set up Shairpoints so you can both use the points you earn. You can pool points with other family members or friends, too.
Find out more about Shairpoints™.
Spending your Airpoints Dollars
You can use your Airpoints Dollars to pay for:
- Air New Zealand flights
- car rental
- hotels
- stuff from the Airpoints Store
You can check your Airpoints Dollars balance anytime by logging into myairnz.co.nz or by using the Air New Zealand app.
An “Air New Zealand flight” means a flight that is ticketed and operated by Air New Zealand and certain airline partner codeshare flights – please check airnewzealand.co.nz/airpoints-flight-rewards for a full list of Air New Zealand’s airline Airpoints partners. Any applicable third party taxes, levies or surcharges can’t be paid for with Airpoints Dollars, unless the fare is a New Zealand domestic fare.
Customers who purchase international fares using Airpoints Dollars will be required to pay in cash, the government and airport costs. Please note that all fares that are purchased using Airpoints Dollars are not eligible for accrual of Airpoints Dollars and/or Status Points. This includes fares purchased using Airpoints Dollars that you have purchased via your Airpoints credit card.
Airpoints Dollars Advance
You get up to 100 Airpoints Dollars in advance with your Air New Zealand Airpoints Low Fee Visa.
The advance amount will automatically appear in your Airpoints account balance. If you have a joint account, the advance points will appear in the primary cardholder’s account – set up Shairpoints™ to share points with your family.
When you use some of the advance, any Airpoints Dollars earned after that will repay your Airpoints Advance first, then start adding to your Airpoints Dollars balance.
For more information on Airpoints Advance check out airnewzealand.co.nz.
Airpoints Dollars Top Up
There’s a fee for buying Airpoints Dollars. Airpoints Dollars purchases are non-refundable, so double check your purchase before you confirm!
For more information on Airpoints Dollars Top Ups check out airnewzealand.co.nz/airpoints-dollars-top-up.
If you have questions about Air New Zealand benefits or Koru memberships, please contact the Koru contact centre.
Terms and conditions, and fees apply. Interest rates, fees and limits subject to change. See all credit cards terms and conditions.
Kiwibank is the issuer of the Air New Zealand Airpoints credit cards. Airpoints terms and conditions apply. See airpoints.co.nz for details.
*Eligible purchases exclude fees or interest, balance transfers, credit card repayment insurance, gambling chips, gambling transactions (including online gambling), money orders, travellers cheques or foreign currencies in cash, cash advances or cash withdrawals made from an ATM, or any transaction that is reversed, refunded or charged back.
Retail products aren't available to financial institutions or wholesale customers.
On 27 May 2025 we stopped offering our Air New Zealand Airpoints™ Platinum Visa. If you're an existing Airpoints credit card holder you can continue to use your card and earn Airpoints on eligible purchases until 31 October 2025.* We'll be in touch about moving you over to our new Platinum Visa credit card with benefits such as overseas travel insurance. From 1 July 2025, domestic travel insurance benefits will also be available on this card.
Find out more about this change.
Features and benefits for existing cardholders
- One Airpoints Dollar™ for every $115 of eligible spend*
- Earn one Status Point for every $200 of eligible spend*.
- Built-in overseas travel insurance if you pay for your travel and/or accommodation before you leave New Zealand. Other conditions apply.
Interest rates, fees & rewards
|
Airpoints Dollars |
Earn one Airpoints Dollar for every $115 spent on eligible purchases*. As long as you have a current credit card and you’re the primary cardholder, your Airpoints Dollars will never expire. |
|
Earn Status Points |
Get the best Status Point earn rate in the market with one Status Point for every $200 spent on eligible purchases*. |
|
Koru membership |
Pay no joining fee and get $145 off a standard one year Individual membership. Visit airnewzealand.co.nz/koru for more information. This offer is only applicable to one cardholder per credit card account. |
|
Travel insurance |
Built-in overseas travel insurance if you pay for your travel and/or accommodation before you leave New Zealand. Other conditions apply. |
|
Account fee (every six months) |
$90 |
|
Joint/additional cardholder account fee (every six months) |
$15 per card |
|
Interest rate on purchases and cash advances |
584 - Airpoints Platinum Visa - interest rate on purchases (active) |
|
Interest free days |
Up to 44 Interest free period applies provided you pay off your entire balance each month by the due date. Interest free period doesn't apply to cash advances or balance transfers. |
|
Balance transferred from a non-Kiwibank credit card |
Credit Card balance transfer rate (active) for Credit Card balance transfer rate (active) |
|
Minimum credit limit |
$5,000 |
|
Late payment fee |
When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement. $5 per late payment Please note when your monthly statement shows an amount due immediately, any payment you make will be applied to this amount before being applied to your minimum payment. This means that you must pay both amounts to avoid being charged this fee. |
Air New Zealand Airpoints Visa Benefits Conditions
Koru membership discounts
As an Air New Zealand Airpoints™ Platinum Visa holder, you (OR a joint OR an additional cardholder) get a Koru membership discount with your Air New Zealand Airpoints™ Platinum Visa. You:
- won’t pay a joining fee on a one year Individual membership
- will get a discount of $145 on the one year Individual membership fee.
For more information on Koru Memberships please visit airnewzealand.co.nz/koru.
Please note this is only applicable for one individual card holder per credit card account, and only applies to the individual one-year Koru membership. It excludes all other Koru membership types: Corporate, Senior & Partner Renewal memberships.
Built-in overseas travel insurance
With an Air New Zealand Airpoints™ Platinum Visa you’ll get up to 40 days built-in overseas travel insurance, including cover for any immediate family travelling with you.
Earning Airpoints Dollars
As well as earning Airpoints Dollars whenever you buy things with your Airpoints™ credit card, you’ll also earn them when:
- you fly with Air New Zealand or their Airpoints™ partner airlines
- you stay at Airpoints™ partner hotels
- you rent Airpoints™ partner cars
See all the ways you can earn Airpoints Dollars.
Shairpoints™
You can only link one Airpoints™ account to a card — but if you’ve got a joint account, you can set up Shairpoints so you can both use the points you earn. You can pool points with other family members or friends, too.
Find out more about Shairpoints™.
Spending your Airpoints Dollars
You can use your Airpoints Dollars to pay for:
- Air New Zealand flights
- car rental
- hotels
- stuff from the Airpoints Store
You can check your Airpoints Dollars balance anytime by logging into myairnz.co.nz or by using the Air New Zealand app.
An “Air New Zealand flight” means a flight that is ticketed and operated by Air New Zealand and certain airline partner codeshare flights – please check airnewzealand.co.nz/airpoints-flight-rewards for a full list of Air New Zealand’s airline Airpoints partners. Any applicable third party taxes, levies or surcharges can’t be paid for with Airpoints Dollars, unless the fare is a New Zealand domestic fare.
Customers who purchase international fares using Airpoints Dollars will be required to pay in cash, the government and airport costs. Please note that all fares that are purchased using Airpoints Dollars are not eligible for accrual of Airpoints Dollars and/or Status Points. This includes fares purchased using Airpoints Dollars that you have purchased via your Airpoints credit card.
Airpoints Dollars Advance
You get up to 200 Airpoints Dollars in advance with your Air New Zealand Airpoints Platinum Visa.
The advance amount will automatically appear in your Airpoints account balance. If you have a joint account, the advance points will appear in the primary cardholder’s account – set up Shairpoints™ to share points with your family.
When you use some of the advance, any Airpoints Dollars earned after that will repay your Airpoints Advance first, then start adding to your Airpoints Dollars balance.
For more information on Airpoints Advance check out airnewzealand.co.nz.
Airpoints Dollars Top Up
There’s a fee for buying Airpoints Dollars. Airpoints Dollars purchases are non-refundable, so double check your purchase before you confirm!
For more information on Airpoints Dollars Top Ups check out airnewzealand.co.nz/airpoints-dollars-top-up.
Concierge service
Air New Zealand Airpoints Platinum cardholders Visa and any joint or additional cardholders can enjoy exclusive personal assistance with services including restaurant and hotel reservations, event tickets, locating hard-to-find items, and buying and delivering gifts.
To arrange a Visa concierge service, please:
- Visit concierge-asia.visa.com
- Call 0800 103 407 or from overseas 0800 103 298.
If you have questions about Air New Zealand benefits or Koru memberships, please contact the Koru contact centre.
Terms and conditions, and fees apply. Interest rates, fees and limits subject to change. See all credit cards terms and conditions.
Kiwibank is the issuer of the Air New Zealand Airpoints credit cards. Airpoints terms and conditions apply. See airpoints.co.nz for details.
*Eligible purchases exclude fees or interest, balance transfers, credit card repayment insurance, gambling chips, gambling transactions (including online gambling), money orders, travellers cheques or foreign currencies in cash, cash advances or cash withdrawals made from an ATM, or any transaction that is reversed, refunded or charged back.
Travel Insurance for Insured Cards is underwritten by Tower Limited and managed by AWP Services New Zealand Limited trading as Allianz Partners. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products provided by Tower Limited or AWP Services New Zealand Limited.
1Important terms, conditions, limits, sub-limits, and exclusions apply, and these are set out in the Travel Insurance for Kiwibank Credit Cards Policy Wording.
Retail products aren't available to financial institutions or wholesale customers.
On 24 November 2021 we stopped offering our Air New Zealand Airpoints™ Standard Visa to new customers.
Effective 1 November 2022 we changed some of the features and benefits on this card. The changes have been updated below.
On 27 May 2025 we stopped offering our Air New Zealand Airpoints™ Standard Visa. If you're an existing Airpoints credit card holder you can continue to use your card and earn Airpoints on eligible purchases until 31 October 2025.* We'll be in touch about moving you over to our new Platinum Visa credit card with benefits such as overseas travel insurance. From 1 July 2025, domestic travel insurance benefits will also be available on this card.
Find out more about this change.
Features and benefits for existing cardholders
- One Airpoints Dollar™ for every $200 of eligible spend*
- Interest rate on purchases and cash advances Airpoints Standard Visa - interest rate on purchases (active)
- Up to 44 days interest free on purchases.
Interest rates, fees & rewards
|
Airpoints Dollars |
Earn one Airpoints Dollar for every $200 spent on eligible purchases* As long as you have a current credit card and you’re the primary cardholder, your Airpoints Dollars will never expire. |
|
Account fee (every six months) |
$25 |
|
Joint/additional cardholder account fee (every six months) |
$5 per card |
|
Interest rate on purchases and cash advances |
Airpoints Standard Visa - interest rate on purchases (active) |
|
Interest free days |
Up to 44 Interest free period applies provided you pay off your entire balance each month by the due date. Interest free period doesn't apply to cash advances or balance transfers. |
|
Minimum credit limit |
$1,000 |
|
Late payment fee |
When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement $5 per late payment Please note when your monthly statement shows an amount due immediately, any payment you make will be applied to this amount before being applied to your minimum payment. This means that you must pay both amounts to avoid being charged this fee. |
Interest rates are subject to change. Other fees and limits may apply.
*Eligible spend excludes fees or interest, balance transfers, Credit Card Repayment Insurance, gambling chips, gambling transactions (including online gambling), money orders, travellers cheques or foreign currencies in cash, cash advances or cash withdrawals made from an ATM, or any transaction that is reversed, refunded or charged back.
Home loans
On 18 December 2020, AMP Home Loans Limited (a subsidiary company of Kiwibank) and Kiwibank Limited amalgamated and continued as Kiwibank Limited.
Between 18 December 2020 and 31 July 2021, we migrated AMP Home Loans customers across to Kiwibank systems. This involved:
- changing AMP access and account numbers to Kiwibank numbers;
- migrating customers to equivalent Kiwibank products;
- issuing new Kiwibank ATM/EFTPOS cards; and
- amending the AMP Home Loan terms and conditions and AMP General terms and conditions.
Changes to terms and conditions
If you migrated from AMP Home Loans to Kiwibank:
- your AMP Home Loan terms and conditions were amended and replaced with the Kiwibank Home Loan Terms & Conditions; and
- your AMP General Terms and Conditions were amended and replaced with the Kiwibank Personal and Business Banking General Terms & Conditions.
We explained these changes and how they apply to you in the letter we sent you on 18 December 2020, and by public notice on 17 May 2021.
Previous versions of your terms and conditions can be found on our legal documents archive.
Rates & fees
For information about fees, please download the Kiwibank Personal Banking Fees & Limits brochure.
For interest rates please see our current home loan interest rates.
Migration information
For more information about the migration, you can download a copy of the AMP Home Loans migration guide.
Insurance
If your policy was issued between 5 April 2018 to 30 September 2024
Your policy is provided by The Hollard Insurance Company Pty Ltd. Claims are managed by Ando Insurance Group Limited on behalf of The Hollard Insurance Company Pty Ltd.
Call the team on 0800 222 491 Mon - Fri, 8:30am - 5pm.
- For queries, changes or cancellations: select option 1, then option 4.
- To make a claim: select option 1, then option 5. There'll be someone available to help you 24 hours a day, seven days a week.
- If you've opted for roadside assistance as part of your Comprehensive Car Insurance and need help now, call 0800 576 555.
To view policy documents for full benefits, exclusions and terms and conditions, see our legal documents archive.
If you arranged your insurance through Kiwibank, you need to know that no member of the Kiwi Group Capital Limited group guarantees the obligations of, or any product issued by, The Hollard Insurance Company Pty Ltd.
If your policy was issued before 5 April 2018
Your policy is provided by Tower Limited (formerly Tower Insurance Limited). To make a claim, call 0800 222 491 select option 1, then option 3, or fill out their online claim form.
To view policy documents for full benefits, exclusions and terms and conditions, see our legal documents archive.
If you arranged your insurance through Kiwibank, you need to know that no member of the Kiwi Group Capital Limited group guarantees the obligations of, or any product issued by, Tower Limited.
We no longer offer Home loan Insurance. If you’re an existing policy holder of Home Loan Insurance, for information on how to make a claim, how to reduce or cancel your insurance and to view policy wordings, visit nib.co.nz.
If you're an existing policy holder of Life & Living Insurance visit nib.co.nz for information on how to make a claim, how to change or cancel your insurance and to view policy wordings.
If you'd like to take out new Life & Living Insurance, get in touch with a specialist from our trusted life insurance partners at nib.
We no longer offer Credit Card Repayment Insurance.
If your policy was issued from 10 April 2011, your policy is provided by nib nz insurance limited. For more information on how to make a claim, how to cancel your insurance and to view policy wordings, visit nib.co.nz.
If your policy was issued before 10 April 2011, your policy was provided by Chubb Life Insurance New Zealand Limited. Download the policy wording. Cover under this policy ended on 30 September 2023. Visit chubblife.co.nz for more information. To make a claim email getintouch.nz@chubb.com.
Personal loans
New personal loan applications with Latitude Financial Services are no longer available through Kiwibank. If you have a Latitude Personal Loan or Personal Loan Repayment Protection Insurance and you'd like to get in touch, call Latitude Financial Services Limited on 0800 549 454.
International accounts & services
On 29 April 2022, we stopped accepting foreign cheques and international bank drafts.
If you receive an overseas pension or benefit payment by cheque from one of the countries below, you'll need to use an alternative way to receive these payments into your bank account electronically.
Australia and the United Kingdom
The two ways to receive pension or benefit payments from Australia and the United Kingdom are:
- Special Banking Option
- Direct Payment Option
You can learn more about these payment options and how to apply at workandincome.govt.nz.
Canada and the United States
If you receive pension and benefit payments from Canada or the United States (social security payments), you can receive these by direct deposit to your account by completing the forms found on the links below:
Canada
Complete the Foreign direct deposit enrolment form found on the Public Services and Procurement Canada website.
United States
Complete the Direct Deposit Sign Up Form - New Zealand (SSA-1199-OP19), found on the US Social Security Administration website.
Once you download and complete the form, email it to international@kiwibank.co.nz to have it signed by a Kiwibank representative. When you receive the form back, submit it via the relevant website above.
Find out more about receiving an international payment.
Payments
As of 1 March 2023 we stopped offering Fetch™ payment solutions; web payments, recurring payments, virtual payments and invoice payments. If you already use one or more of these services, you'll be able to continue to use them, until we get in touch with you about your options.
As of 1 September 2022, we stopped offering the Kiwibank QuickPay® mobile payment device that pairs with the Kiwibank QuickPay app. We have replaced it with a new and improved standalone Kiwibank QuickPay mobile device.
Fees
Set up fee for a first device |
$49 |
Set up fee for an additional device |
$25 |
Monthly merchant service fee |
2.90% |
Device replacement fee |
$150 |
Monthly support fee per device |
$29 |
From 28 February 2020, we stopped issuing and accepting cheques.
Kiwibank bank cheques that are dated up to and including 28 February 2020 can still be presented to Kiwibank for payment. If you receive a cheque or regular payments by cheque, you’ll need to contact the person who gave you the cheque and ask them to pay you directly into your bank account.
There are a number of ways we can help you with alternative payment methods. See our digital support hub, ask for digital banking support or check out Stepping UP's digital banking workshops.
If you're a business banking customer, there's lots of alternative 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.
As of 2 September 2022, to help reduce the risk of money laundering we changed our cash deposit service so you can only deposit cash into your own account or into an account that you have authority to operate, in a Kiwibank branch or at a Local for Kiwibank. This change is applicable to Kiwibank and NZHL customers - including credit card, home loan and everyday personal and joint accounts.
As of 22 May 2024 if someone is making a deposit into a business account, for example a company, charity or trust, and they don't have authority to transact on the account, they'll also need to provide their first name and surname at the time they deposit the cash.
Receiving a cash deposit
If you regularly received cash deposits from anyone who didn't have authority to operate your account, they'll need to make a payment using their internet banking, mobile app, phone banking or at their bank.
Alternative ways to make a cash deposit into someone's account
If you need to make a cash deposit into another account that you don’t have the authority to operate, you’ll need to:
- Deposit the cash into your own account via a cash deposit ATM, in branch or at a Local for Kiwibank.
- Once the cash deposit is in your account you can use internet banking, the mobile app or phone banking to make a payment to the recipient. You can also do this in branch or at a Local for Kiwibank.
- If you know that you'll need to regularly pay the recipient, you can set up an automatic payment in internet banking or the mobile app.
Please note our standard service fees may apply.
Common questions
As a Kiwibank customer, can I deposit cash into someone's account?
You’ll still be able to deposit money into someone's account by depositing the cash into your account first, you'll then need to transfer it either electronically or via a branch to the recipient's bank account.
I'm not a Kiwibank customer but I need to deposit cash into a Kiwibank customer account, what will I need to do?
You’ll need to make a deposit using internet banking, mobile app, phone banking or at your bank.
I'm a business customer (this includes companies, charities, trusts). Will people still be able to deposit cash into my business account?
Yes, cash deposits into business accounts can continue to be made. If the person making the deposit doesn't have the authority to transact on the account, they'll need to provide their first name and surname at the time they deposit the cash.
As of 31 May 2023, we stopped offering the ability to use Sweep, Dynamic Sweep or PayStream (also known as EasySave) on business accounts.
As of 19 June 2024, we stopped offering the ability to use Sweep, Dynamic Sweep or PayStream on personal accounts.
Services
As of 31 March 2022, we stopped offering manual fingerprinting services.
If you need to get your fingerprints taken, you can do this at a number of participating locations around the country. Visit nzfingerprintingservice.co.nz for more information.
Retail products aren't available to financial institutions or wholesale customers.
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