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The easiest way to make a payment to your Kiwibank credit card is online through internet banking via any New Zealand bank.

Making a payment from another bank

You can make a payment from any New Zealand banks online or internet banking service. Once you've logged in and are within the payment area, search for Kiwibank under public payees and select Kiwibank Personal Mastercard. Fill in the payee reference details with the following:

Particulars: First twelve digits on your card number

Code: Last four digits of the card number

Reference: Cardholders surname and initials

You might then be prompted to set up an automatic payment, these can be handy if you'd like to set a specific frequency and amount of payment. You'll need to ensure the amount covers at least the minimum payment each month, which is 5% of your closing balance, so you don't get charged a late payment fee.

You won't be able to pay your Kiwibank Mastercard directly from an overseas bank, a payment will need to be made into a transactional account with any New Zealand bank before a payment can be made.

Making a payment from another Kiwibank account

If you're already a Kiwibank customer you can make payments through internet banking or the mobile app. Once you've logged into internet banking go to ‘Pay & transfer’, select ‘Transfer’ and complete the required fields by choosing what account you'd like to pay your credit card from and the frequency of payment, you can choose a one off payment or set it up to as often as you'd like e.g. weekly, fortnightly or monthly. You'll need to ensure the amount covers at least the minimum payment each month, which is 5% of your closing balance, so you don't get charaged a late payment fee.

Your credit card balance will automatically update the 'available balance'. The 'owing balance' won't update until the next business day. Public holidays don't affect the process of internal transfers. Please note that if payments are made at certain times outside of ordinary business hours, the update to your ‘available balance’ and/or ‘owing balance’ may be delayed by up to one business day.

Set up a direct debit

Direct debit

Set up a direct debit so payments happen automatically. You can choose to either pay off your balance in full each month, make the minimum payment owing or set another amount that's higher than the minimum. You'll need to ensure the amount covers at least the minimum payment each month, which is 5% of your closing balance, so you don't get charged a late payment fee. Simply download and complete our credit card direct debit authority form (PDF 47.9 KB).

Visit your local Kiwibank branch

You can make a payment at any Kiwibank branch. You'll need to take either your statement, or your credit card with you. You'll need to ensure the amount covers at least the minimum payment each month, which is 5% of your closing balance, so you don't get charaged a late payment fee.You wont be able to make a payment with another credit card.