Make sure you’re across the rates, fees and limits on your bank accounts, credit cards, personal and car loans, home loans and other banking services.
See the fees you may pay for services on our accounts and products.
Contact centre and/or automated phone banking high use fee |
When you use our automated phone banking and/or contact centre First five calls per month free, then:
Your mobile service provider may charge you data or text messaging costs for mobile banking access or text banking messages. If you’re calling from overseas, charges by your network provider may apply. |
Account out of order fee |
When your account goes into unauthorised overdraft by more than $20 at any time during the month $10 per month |
Cheque retrieval fee |
When you ask us to retrieve a copy of a cheque $15 per cheque |
Dishonour fee |
When there isn’t enough money in your account to make an automatic payment, bill payment or direct debit, and the payment isn’t made as a result $2.50 per payment not made |
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)
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ATM balance enquiry fee |
When you make an ATM balance enquiry
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ATM/EFTPOS card replacement fee |
When you ask for a replacement ATM/EFTPOS card $15 |
Overseas ATM balance enquiry fee |
When you use your ATM/EFTPOS card or Visa Debit Card to make an ATM balance enquiry at an overseas ATM $1 per balance enquiry |
Overseas ATM cash withdrawal fee |
When you use your ATM/EFTPOS card or Visa Debit Card to withdraw cash at an overseas ATM $6 per withdrawal |
International transaction fee |
When you use your ATM/EFTPOS card or Visa Debit Card for a foreign currency transaction 2.5% of the New Zealand dollar amount once converted |
Visa Debit Card annual fee |
What you’ll pay to have your Visa Debit Card $10 per card per annum (waived for the first year of the first card) |
Visa Debit Card cash advance fee |
When you use your Visa Debit Card to withdraw cash over the counter at another bank or financial institution $6 per withdrawal |
Visa Debit Card disputed transaction fee |
When you dispute a transaction made using your Visa Debit Card $15 per transaction receipt requested The investigation fee may also apply. |
Visa Debit Card replacement fee |
When you ask for a replacement Visa Debit Card:
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Automatic payments, recurring transfers or one-off payment set up and 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:
This fee also applies if you choose to skip a scheduled payment/transfer. |
Bill payee set up and change fee |
When you set up or change a bill payee Free for 30 days from account opening, then:
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Direct debit set up fee |
When you set up a direct debit Free for 30 days from account opening, then $5 per set up |
PayStream, Sweep and Dynamic Sweep set up and change fee |
When you set up or change PayStream, Sweep or Dynamic Sweep Free for 30 days from account opening, then $3 per set up/change |
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
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Postal statement fee |
$2 per account on the following accounts: 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) |
Standard terms and conditions
Fees are subject to change. 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.