Rates & Fees

Account access fees

Your mobile service provider may charge you data or text messaging costs for mobile banking access or text banking messages. If you’re calling from overseas, charges by your network provider may apply.

Account general service fees

Account out of order fee:

When your account goes into unauthorised overdraft by more than $20 at any time during the month $10 per month

Cheque retrieval fee:

When you ask us to retrieve a copy of a cheque $15 per cheque

Dishonour fee:

When there isn’t enough money in your account to make an automatic payment, bill payment or direct debit, and the payment isn’t made as a result $2.50 per payment not made

Investigation fee:

When you ask us to investigate something about your account $60 per hour; minimum fee $15

Payment retrieval fee:

When you make a payment in error and ask us to retrieve the payment (even if the retrieval is unsuccessful) $20 if the payment in error was made to a Kiwibank account $45 if the payment in error was made to an account at another bank

ATMs, EFTPOS card and Crypto Debit Card fees

ATM balance enquiry fee:

When you make an ATM balance enquiry First five balance enquiries per month free, then $0.50 per balance enquiry
Free for Tertiary and Graduate Pack customers. As of 1 February 2021, we no longer offer our Tertiary and Graduate Packs to customers.

ATM/EFTPOS card replacement fee:

When you ask for a replacement ATM/EFTPOS card $15

Overseas ATM balance enquiry fee:

When you use your ATM/EFTPOS card or Crypto Debit Card to make an ATM balance enquiry at an overseas ATM $1 per balance enquiry

Overseas ATM cash withdrawal fee:

When you use your ATM/EFTPOS card or Crypto Debit Card to withdraw cash at an overseas ATM $6 per withdrawal

International transaction fee:

When you use your ATM/EFTPOS card or Crypto Debit Card for a foreign currency transaction 2.5% of the New Zealand dollar amount once converted

Crypto Debit Card annual fee:

What you’ll pay to have your Crypto Debit Card $10 per card per annum (waived for the first year of the first card)

Crypto Debit Card cash advance fee:

When you use your Crypto Debit Card to withdraw cash over the counter at another bank or financial institution $6 per withdrawal

Crypto Debit Card disputed transaction fee

When you dispute a transaction made using your Crypto Debit Card $15 per transaction receipt requested

Crypto Debit Card replacement fee

When you ask for a replacement Crypto Debit Card:

$15 for standard delivery within U.S.A.

$20 for urgent delivery within U.S.A.

$30 for standard international delivery

$50 for urgent international delivery