When you’re paying bills by direct debit and the amount changes each month (e.g. power or phone bills) the organisation you’re paying needs to let you know how much the payment will be at least 10 days before it comes out of your account.

Avoid dishonour fees

  • You’ll need to make sure there’s enough money in your account before a payment’s due to go out, otherwise the payment will fail and you’ll be charged a dishonour fee.
  • We can't tell you when payments are due, as the organisation you’re paying controls that
  • If the payment fails and the organisation you’re paying keeps trying to take the payment, you could be charged more dishonour fees.

Get started

Setting up a direct debit is easy. Ask the organisation you’ll be paying for a direct debit form, fill it out and return it to them — they’ll do the rest.

To change or cancel a direct debit payment, contact the organisation you’re making payments to and discuss your needs with them, or contact us and we’ll cancel it for you.

Download Kiwibank’s Disclosure Statement (PDF 991.5 KB) or pick up a copy from your local Kiwibank.