Everyday accounts, savings accounts and investments

Free.

Free.

Free.

Your mobile service provider may charge you data costs for using mobile 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.

Free.

Your mobile provider may charge you text messaging costs for sending texts.

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.

When your account goes into unauthorised overdraft by more than $20 at any time during the month.

$10 per month.

$1 per cheque.

$15 per book of 50

$15 per book of 50

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.

When you ask for a replacement ATM/EFTPOS Card.

$15.

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.

When you use your ATM/EFTPOS card or Visa Debit Card to withdraw cash at an overseas ATM.

$6 per withdrawal.

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.

What you’ll pay to have your Visa Debit Card.

$10 per card per annum (waived for the first year of the first card).

When you use your Visa Debit Card to withdraw cash over the counter at another bank or financial institution.

$6 per withdrawal.

When you dispute a transaction made using your Visa Debit Card.

$15 per transaction receipt requested.

The investigation fee may also apply.

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.

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.

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

When you set up a direct debit.

Free for 30 days from account opening, then $5 per set up

When you set up or change PayStream, Sweep or Dynamic Sweep.

Free for 30 days from account opening, then $3 per set up/change.

When you ask for a bank cheque.

$5 per bank cheque.

When you ask us to retrieve a copy of a cheque.

$15 per cheque.

When you ask us to investigate something about your account.

$60 per hour. Minimum fee $15.

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.

When you ask us for a copy of an account statement.

$4 per statement.

When you ask us to stop a cheque.

$20 per cheque.

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).

$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 (does not apply to accounts through which you access an established overdraft)