Contact a Kiwibank representative if you would like to discuss other borrowing options or have any questions.
Apply for an overdraft, by downloading and completing an Overdraft application form (PDF 65.7 kB) or pick one up from your local Kiwibank. Simply drop this into your local Kiwibank or contact us about sending it in. You can also apply over the phone on 0800 11 33 55 between 8am and 6pm, Monday to Friday.
An application fee applies whether your overdraft is approved or not.
Kiwibank’s Personal Overdraft Terms and Conditions (PDF 111.4 kB) apply to all Kiwibank overdrafts.
To be eligible for an overdraft, you must meet the following criteria:
Kiwibank needs to be comfortable that your financial situation can support an overdraft. As part of the application, you may need to provide proof of income and some details about your monthly expenses, assets and liabilities. Having this information handy can help speed the application process up.
If you’re not certain whether you meet all of the above criteria, including having a good credit history, give us a call on 0800 11 33 55 to discuss your situation.