Rates and fees

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.

Products and services

Service fees

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

Account access fees

Contact centre and/or automated phone banking high use fee (applies across all your banking)

When you use our automated phone banking and/or contact centre

First five calls per month free, then:

  • $5 per call to a customer service representative; or
  • $0.50 per call to the automated phone banking system

Your mobile service provider may charge you data or text messaging costs for mobile baking access or text banking messages

Account general service fees

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

Bank cheque fee

When you ask for a bank cheque

$5 per bank cheque

Cheque book fee

$15 per book of 50

Cheque clearance fee

$1 per cheque

Cheque retrieval fee

When you ask us to retrieve a copy of a cheque

$15 per cheque

Deposit book fee

$15 per book of 50

Dishonour fee

When there isn’t enough money in your account to make an automatic payment, bill payment, direct debit or cheque payment, 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)

  • $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

Stop cheque fee

When you ask us to stop a cheque

$20 per cheque

ATMs, EFTPOS card and Visa Debit Card fees

ATM balance enquiry fee

When you make an ATM balance enquiry

  • First five balance enquiries per month free, then $0.50 per balance enquiry
  • Free for Tertiary and Graduate Pack customers

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:

  • $15 for standard delivery within New Zealand
  • $20 for urgent delivery within New Zealand
  • $20 for standard international delivery
  • $50 for urgent international delivery
Set up or change fees

Automatic payments/recurring transfers set up and change fee

When you set up or change an automatic payment/recurring transfer

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
  • $3.50 per change when done using the automated phone banking system; and
  • Free to set up/change when done by internet banking

This fee also applies if you choose to skip a scheduled payment/transfer. This fee doesn’t apply when you make one-off, manual or ad hoc payments between your accounts, to someone else's account or to pay a bill.

Bill payee set up and 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

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 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

  • $0.30 per request for a basic transaction history (available from a customer service representative)
  • $4 per request for a detailed transaction history (available from a Kiwibank banking representative)

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)