SMS one-time codes

A secure authorisation method where a unique numeric code is sent by SMS to your mobile number. SMS one-time codes expire after a few minutes, so it's always safe and can't be reused.

How do they work?

Some actions in our mobile app or internet banking require extra security, such as updating your details or sending money to a new person or payee. To ensure that it's you making the payments or changes, a unique code is sent by text message to your registered New Zealand mobile number. You then enter the code in our mobile app or internet banking to complete the transaction.

How do I start using SMS one-time codes?

If we've verified your New Zealand mobile number, you don't need to do anything else — you're good to go. If you haven't yet verified your mobile number, head to our mobile app or internet banking to get that sorted.

Why am I not receiving my SMS one-time code?

  1. 1
    Tahi

    Old mobile number?

    We might have an old number on file. Update your current number in our mobile app or internet banking.

  2. 2
    Rua

    Blocked number?

    Check that you haven't blocked messages from Kiwibank (numbers 4336 or 4337). Unblock them to receive the code.

  3. 3
    Toru

    Mobile provider issue?

    Make sure you have good mobile reception. Sometimes your provider might delay the message, particularly if you're overseas.

  4. 4
    Whā

    International number?

    Only verified New Zealand mobile numbers can receive SMS one-time codes. International numbers are not currently supported.

  5. 5
    Rima

    Verified number?

    Your New Zealand mobile number must be verified before you can receive SMS one-time codes. You can verify your mobile number in our mobile app or internet banking.

  6. 6
    Ono

    Still not receiving your code?

    Restart your phone and check your message inbox isn't full. And if it still isn't working, please contact us.

Common questions

My SMS one-time code has expired, what do I do?

No worries! You can request a new SMS one-time code when prompted in our mobile app or internet banking.

Do I have to use SMS one-time code for all transactions?

No, only certain transactions in our mobile app or internet banking require an SMS one-time code for extra security.

I've got a new mobile number, how do I update it?

You can update your number in our mobile app or internet banking by following these instructions. We'll send an SMS one-time code to your new number to verify it.

What if I lose my phone or don't have it with me?

Contact us for help to complete your transaction.

Is there a fee for using an SMS one-time code?

Receiving SMS one-time codes to your New Zealand mobile is free when you're in New Zealand. Please check with your mobile or data provider for any charges if you're overseas.

What if someone else gets my SMS one-time code?

Contact us immediately if you think someone has your SMS one-time code. Never share your SMS one-time codes with anyone, including Kiwibank or family.

I'm traveling overseas, can I still use SMS one-time codes?

Make sure you download and log in to our mobile app before you leave New Zealand. We can't guarantee you'll be able to receive SMS one-time codes overseas, and we recommend that you check with your mobile or data provider for any charges. Please contact us if you need help.

Can I use an international number to receive SMS one-time codes?

No, you can only use a New Zealand mobile number to receive SMS one-time codes.

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