What’s happening to cheques?

Kiwibank is going cheque-free from 28 February 2020. From 17 May 2019, you’ll no longer be able to open new cheque facilities. This means you won’t be able to get a cheque book on a newly opened bank account. If you already have cheque facilities on existing accounts, you won’t be able to order a new cheque book from 30 September 2019.

We’re not stopping accepting cheques immediately, but if you currently write cheques or receive cheques as payments, you’ll need to start using other forms of payment.

From 28 February 2020, you shouldn’t write cheques as they may not be honoured by Kiwibank. From this date, we’ll also no longer accept cheque deposits and will stop providing bank cheques.

There are a number of ways we can help you get prepared for this change including Stepping UP digital banking workshops, Kiwibank Tech Teas or our digital education hub. We also created a handy list of frequently asked questions.

Why will Kiwibank stop issuing and accepting cheques?

Stopping our cheque service wasn't an easy decision to make. However, for the last five years the use of cheques at Kiwibank has been declining at a rate of 20% year-on-year as customers choose less expensive ways to pay. In fact, more than 99% of our customers' payments are via alternative methods.

Timings of changes

There are three dates you need to remember:

*Any bank cheques issued prior to this date will be honoured as usual even if they're presented after this date.

Important: You'll need to be using alternative methods of payment before 28 February 2020.

What about deposit books?

From 30 September 2019, you'll no longer be able to order personalised deposit books. If you have deposit books issued before then, you'll be able to keep using them. You'll also still find deposit and withdrawal slips in Kiwibank branches.

Frequently asked questions

For a full list of frequently asked questions about the changes to cheques, visit our FAQs page.

Need help going digital?

We're here to help as you switch from cheques to alternative methods of payment.

Other ways to pay

The good news is there are lots of easy and convenient ways to make payments, that are cheaper, faster and secure.

Staying safe online

We do everything we can to protect your money and personal information. This includes two online authentication services that provide an extra layer of security when you're using internet banking and our mobile app.


There are a range of questions and answers to help keep your account secure. You’ll set it up the first time you log in to internet banking and then each time you log in, you’ll need to answer a KeepSafe question to access your accounts.

More about KeepSafe

Two factor authentication

Some transactions you make online or on our app will require two-factor authentication. You’ll be sent a one-time PIN to your mobile to complete your transaction. This is to make sure that you're the person who has requested the transaction.

More about two factor authentication

Educate yourself about scams and safety

If you haven’t spent a lot of time online, then the independent online safety watchdog Netsafe would be worth a visit. Netsafe is full of information and tips about how to stay safe online and avoid scams. We also have resources to help you stay safe online.

Download Kiwibank’s Disclosure Statement (PDF 474.3 KB) or pick up a copy from your local Kiwibank.