Set up an automatic payment

You can set up your regular payments to recur automatically, so you don’t need to manually pay a person or business each time. Learn how to set up a new regular payment online or in branch.

Mobile app Internet banking Phone & branch

Mobile app

  1. 1

    Select which account to pay from

    1. Tap 'Pay & Transfer' at the bottom of the screen.
    2. Select 'Make a payment'.
    3. Tap ‘Select an account’.
    4. Select the account you'd like the payment to come from.
    Pay transfer screen
    Make payment
    Select account
    Pay from
  2. 2

    Add where the payment is going

    1. Tap ‘Select a business or payee’.
    2. Enter the details of the person or business you want the automatic payment to pay. You can select a saved payee or add a new one.
    Select business
    Payment to
  3. 3

    Enter the payment details

    1. Enter the payment amount.
    2. Enter any statement details.
    Payment details
  4. 4

    Make this a recurring payment

    1. Select 'Date & frequency'.
    2. Tap 'Payment date' and select the date you'd like to make the first payment.
    3. Tap 'Frequency' and select how often you'd like to make this payment.
    4. If you've made this a recurring payment and you'd like it to end on a specific date, enter a 'Last payment date'.
    5. Select 'Done'.
    Date frequency
    Date done
  5. 5

    Complete your payment

    1. Tap 'Make a payment'.
    2. Select 'Confirm'.

    See more about when your payment will be processed.

    Make payment button
    Confirm payment

Avoid failed payments

Sometimes, for whatever reason, you may not have enough money in your account to cover a payment, which can result in your payment failing.

  • We recommend that you set up payments to go out the day after you normally get paid. This is the easiest way to make sure you have enough money to cover your payments.
  • We process automatic payments at 10am and 10pm every day. To ensure your automatic payment is processed on the due date, set it up before 10pm.
  • Payments will be processed around 10am on the date you've set. If there’s not enough money in your account, we try the payment again around 10pm the same day, then again around 10am and 10pm on the next day, if needed. This gives you a chance to get enough money into your account or to let us know you want to skip the payment this time. The payment will fail after we've tried to process it four times.
  • If you have an automatic payment that fails three payment cycles in a row, we'll cancel it on your behalf. We're not required to give you notice of this.

Internet banking

Set up an automatic payment within internet banking

  1. Log in to internet banking.
  2. Select 'Pay & Transfer' at the top of the screen.
  3. Click 'Pay someone'.
  4. Enter the details of the person or business you want the automatic payment to pay. You can select a saved payee or add a new one.
  5. Enter the payment details.
  6. Select the date to make the first payment.
  7. Click the 'Frequency' dropdown to make this a recurring payment.
  8. If you've made this a recurring payment and you'd like it to end on a specific date, enter a 'Last payment date'.
  9. Enter any statement details.
  10. Click 'Next page'.
  11. Check the details you’ve entered.
  12. Click 'Make payment'.
  13. If you're making a payment to a new payee, enter the SMS one-time PIN sent to your registered New Zealand mobile number.

See more about when your payment will be processed.

Avoid failed payments

Sometimes, for whatever reason, you may not have enough money in your account to cover a payment, which can result in your payment failing.

  • We recommend that you set up payments to go out the day after you normally get paid. This is the easiest way to make sure you have enough money to cover your payments.
  • We process automatic payments at 10am and 10pm every day. To ensure your automatic payment is processed on the due date, set it up before 10pm.
  • Payments will be processed around 10am on the date you've set. If there’s not enough money in your account, we try the payment again around 10pm the same day, then again around 10am and 10pm on the next day, if needed. This gives you a chance to get enough money into your account or to let us know you want to skip the payment this time. The payment will fail after we've tried to process it four times.
  • If you have an automatic payment that fails three payment cycles in a row, we'll cancel it on your behalf. We're not required to give you notice of this.

Phone & branch

Contact us

Give us a call to set up an automatic payment over the phone.

Visit your nearest branch

To set up an automatic payment in branch you'll need to complete an Automatic payment authority form. You'll need:

  • Your bank account number
  • The name of the payee's bank
  • The payee's bank account name and number

Once you've gathered this information:

  1. Fill in our Automatic payment authority form.
  2. Visit your nearest branch with the completed form.

Avoid failed payments

Sometimes, for whatever reason, you may not have enough money in your account to cover a payment, which can result in your payment failing.

  • We recommend that you set up payments to go out the day after you normally get paid. This is the easiest way to make sure you have enough money to cover your payments.
  • Payments will be processed around 10am on the date you've set. If there’s not enough money in your account, we try the payment again around 10pm the same day, then again around 10am and 10pm on the next day, if needed. This gives you a chance to get enough money into your account or to let us know you want to skip the payment this time. The payment will fail after we've tried to process it four times.
  • If you have an automatic payment that fails three payment cycles in a row, we'll cancel it on your behalf. We're not required to give you notice of this.

Learn how to...

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