Upcoming & recent changes
Changes to the Kiwibank General Terms & Conditions – 6 November 2026
We’re making some updates to our Kiwibank General Terms and Conditions. These changes affect both personal and business customers.
Summary of changes:
Using Click to Pay & other payment services
- We’ve added information about Click to Pay, which may be enabled automatically on eligible cards.
- If Click to Pay is enabled on your card, you can opt out in accordance with the Click to Pay Terms and Conditions.
- We’ve clarified that separate terms and conditions may apply when you use services or features such as Click to Pay, Apple Pay or Google Pay.
- These separate terms and conditions take priority over our Kiwibank General Terms and Conditions and include different rules about when you may be responsible for unauthorised transactions.
Download a copy of our Click to Pay Terms and Conditions.
Digital banking security & verification
- We’ve updated our digital banking terms to reflect the ways you can log in and verify payments and other actions, including passkeys.
- We’ve clarified your responsibilities for keeping your devices, login details and other authentication methods secure, and when you may be responsible for unauthorised transactions.
When we may move you to a different product or service
- We’ve added information about when we may move you to a different product or service.
- For example, this could happen if your existing product is no longer available, or if we reasonably consider another product or service is more suited to your needs.
- We explain when and how we’ll let you know about a move, and the options available to you.
How we manage sanctions risk
We’ve updated our terms so that we can take steps to manage sanctions risk.
This includes when we may refuse instructions, block or reverse payments, suspend or close an account, product or service. These rights may apply where we know or reasonably suspect that an instruction, payment, account, product or service breaches sanctions or presents sanctions risk.
Download a copy of the updated Kiwibank General Terms and Conditions – effective 6 November 2026.
Date published: 23 October 2026
Date effective: 6 November 2026
Changes to the Kiwibank Business Credit Card Terms & Conditions – 6 November 2026
We’re making some updates to our Kiwibank Business Credit Card Terms and Conditions.
Summary of changes:
Using Click to Pay & other payment services
- We’ve added information about Click to Pay, which may be enabled automatically on eligible cards.
- If Click to Pay is enabled on your card, you can opt out in accordance with the Click to Pay Terms and Conditions.
- We’ve clarified that separate terms and conditions may apply when you use services or features such as Click to Pay, Apple Pay or Google Pay.
- These separate terms and conditions take priority over our Business Credit Card Terms and Conditions and include different rules about when you may be responsible for unauthorised transactions.
Download a copy of our Click to Pay Terms and Conditions.
Keeping your banking secure
- We’ve updated the information about keeping your banking secure to include your devices and digital banking, as well as your card, card details, PIN and passwords.
- Our Kiwibank General Terms and Conditions explain the steps you need to take to keep these secure.
Subscription management service
- We’ve added information about a subscription management service we may offer to help you manage certain recurring card payments.
- You can find more information about this service in our Kiwibank General Terms and Conditions.
Download a copy of the updated Business Credit Card Terms and Conditions – effective 6 November 2026.
Date published: 23 October 2026
Date effective: 6 November 2026
Changes to the Kiwibank Credit Card Terms & Conditions – 6 November & 20 November 2026
We’re making some updates to our Kiwibank Credit Card Terms and Conditions. Most of these changes take effect from 6 November 2026, with changes to changing card types and direct debit payments taking effect from 20 November 2026.
Summary of changes effective from 6 November 2026
Using Click to Pay & other payment services
- We’ve added information about Click to Pay, which may be enabled automatically on eligible cards.
- If Click to Pay is enabled on your card, you can opt out in accordance with the Click to Pay Terms and Conditions.
- We’ve clarified that separate terms and conditions may apply when you use services or features such as Click to Pay, Apple Pay or Google Pay.
- These separate terms and conditions take priority over our Kiwibank Credit Card Terms and Conditions and include different rules about when you may be responsible for unauthorised transactions.
Download a copy of our Click to Pay Terms and Conditions.
Keeping your banking secure
We’ve updated the information about keeping your banking secure to include your devices and digital banking, as well as your card, card details, PIN and passwords.
Our Kiwibank General Terms and Conditions explain the steps you need to take to keep these secure.
Subscription management service
- We’ve added information about a subscription management service we may offer to help you manage certain recurring card payments.
- You can find more information about this service in our Kiwibank General Terms and Conditions.
Summary of changes effective from 20 November 2026
Changing card types
We’re shortening the timeframe for transferring your balance to a new card from 30 days to 10 business days after approval, or when you activate your new card if that happens sooner.
Direct debit payments
We’ve clarified that we may stop your direct debit arrangement if your credit card payment is dishonoured more than once.
Download a copy of the updated Kiwibank Credit Card Terms and Conditions – effective 6 November 2026.
Date published: 23 October 2026
Date effective: 6 November 2026 and changing card types and direct debit payments effective from 20 November 2026
Previous public notices
For previous public notices, see our archived public notices.