Rates & fees

Make sure you’re across the rates, fees and limits on your bank accounts, credit cards, home loans and other banking services.

Products & services

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Everyday & savings accounts

Compare the interest rates, fees and transaction limits on our everyday and savings accounts.

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Credit cards

Compare interest rates, fees and limits on our credit cards, including Air New Zealand Airpoints™ Credit Cards.

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Home loans

Compare our home loan interest rates, plus take a look at our fees and limits.

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Investments

See how hard your savings and investments accounts are working for you with a breakdown of their interest rates.

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International services

See our foreign exchange rates and the fees associated with foreign currency transactions.

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Overdrafts

See the rates and fees you pay on our overdrafts.

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Print all interest rates

Service fees

See the fees you may pay for services on our accounts and products.

Account general service fees

Cheque retrieval fee

When you ask us to retrieve a copy of a cheque

$15 per cheque

Investigation fee

When you ask us to investigate something about your account

$60 per hour; minimum fee $15

Payment retrieval fee

When you make a payment in error and ask us to retrieve the payment (even if the retrieval is unsuccessful)

  • $20 if the payment in error was made to a Kiwibank account
  • $45 if the payment in error was made to an account at another bank
ATMs, EFTPOS card & Visa Debit Card fees

International transaction fee

When you use your ATM/EFTPOS card or Visa Debit Card for a transaction that is processed overseas

  • 1.85% of the total amount

You can expect to pay the International Transaction Fee when using your card abroad, and also when in New Zealand if you are shopping with a merchant that processes transactions overseas. Transactions may still be processed overseas, even if the merchant has a website address ending in ‘.co.nz’ and charges you in New Zealand Dollars (NZD). If so, the transaction will incur the fee. Please check with the merchant if it is not clear where a transaction is processed.
Set up or change fees

Automatic payments, recurring transfers or one-off payment set up & change fee

When you set up or change an automatic payment, recurring transfer or one-off payment

Free for 30 days from account opening, then:

  • $5 per set up/change when done person to person at your nearest Kiwibank, over the phone, via Secure Mail or your Online Relationship Manager;
  • $3.50 per change when done using the automated phone banking system; or
  • Free set up/change when done by internet banking.

This fee also applies if you choose to skip a scheduled payment/transfer.

Bill payee set up & change fee

When you set up or change a bill payee

Free for 30 days from account opening, then:

  • $5 per set up/change when done person to person at your local Kiwibank, over the phone, via Secure Mail or your Online Relationship Manager; or
  • Free when done by internet banking
Statement fees

Statement copy fee

When you ask us for a copy of an account statement

$4 per statement

Transaction history printout at branch fee

When you ask us for a transaction history printout at your local Kiwibank

  • $4 per request for a detailed transaction history (available from a Kiwibank banking representative)

Postal statement fee

$2 per account on the following accounts: Free Up, Now Account Pay as you go, Now Account $5 Monthly Plan, Front Runner, Bill Blaster, Back-Up Saver and Fast Forward Saver (doesn't apply to accounts through which you access an established overdraft)

Stay informed about rate & fee changes

View upcoming changes to Kiwibank accounts and services, rates and fees on our public notices page.

Standard terms & conditions

Fees are subject to change. Retail products aren't available to financial institutions or wholesale customers. Unless otherwise specified, all amounts shown are in New Zealand dollars. When Kiwibank converts foreign currency into New Zealand dollars, Kiwibank makes money on the conversion.