Standard contracts

Credit cards

Personal Credit Cards

General Terms and Conditions for Personal and Business

Credit Card Terms and Conditions - for all other personal credit card customers

Credit Card Disclosure Statement

Personal Banking Fees and Limits

Business Credit Card

General Terms and Conditions for Personal and Business

Business Credit Card Terms and Conditions

Business Banking Fees and Limits

Air New Zealand Airpoints Credit Cards

We no longer offer Air New Zealand Airpoints credit cards, Air New Zealand  Airpoints™ Platinum Visa, Air New Zealand Airpoints™ Low Fee Visa or Air New Zealand Airpoints™ Standard Visa.

For more information see our products we no longer offer page.

General Terms and Conditions for Personal and Business

Credit Card Terms and Conditions - for Air New Zealand Airpoints credit card customers

Credit Card Disclosure Statement

Personal Banking Fees and Limits

Home loans

General Terms and Conditions for Personal and Business

Home Loan Terms and Conditions

Sample - Home Loan Summary

Sample Kāinga Whenua - Home Loan Summary - (Kāinga Ora)

Sample First Home Loan - Home Loan Summary - (Kāinga Ora)

Personal Banking Fees and Limits

Memorandum of Mortgage 2024/4369

Registrable Memorandum of Mortgage 2024/4369 - suitable for Solicitor use

Memorandum of Mortgage 2011/4295 (Mortgage Terms and Conditions) - effective to 6 October 2024

Registerable Memorandum of Mortgage 2011/4295 (Mortgage Terms and Conditions) - suitable for Solicitor use - effective to 6 October 2024

Terms and Conditions for New Zealand Home Loans can be found at kiwibank.co.nz/nzhl.

Overdrafts

General Terms and Conditions for Personal and Business

Personal Overdraft Terms and Conditions

Personal Banking Fees and Limits