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Terms and Conditions

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  • Code of banking practice - We want our customers to have a good banking experience. The Code of Banking Practice sets out the principles of good banking practice. We agree to follow these good banking practices in our customer relationships. The Code of banking practice is also available in Te reo Māori, Samoan, Togan, Korean, Hindi, and Simplified Chinese.
  • NZBA Customer Guidelines
  • NZBA Older and Disabled Customer Guidelines
  • Disclaimer and Copyright Information
  • Loan Terms and Conditions
  • Privacy Statement
  • Terms and Conditions - General Terms and Conditions - Effective November 2024
  • Terms and Conditions - General Terms and Conditions - Effective October 2025
  • Terms and Conditions - Digital Services
  • Terms and Conditions - Mobile app beta programme
  • Terms and Conditions - Apple Pay
  • Terms and Conditions - Google Pay
  • Terms and Conditions - Fair Rate Credit Card
  • Terms and Conditions - Google Analytics
  • Terms and Conditions - Prize Draw Saver
  • Terms and Conditions - Term Deposits
  • User Guide and Terms & Conditions - Debit Mastercard®
  • Terms and Conditions - Mastercard Identity Check
  • User Guide and Terms & Conditions - International Payments
  • Terms and Conditions - Asset Care Home and Contents insurance cash back offer February 2025
  • Terms and Conditions - Survey Prezzy Card prize draw
  • Sample loan facilities

  • Sample Home Loan Fixed Term Facility
  • Sample Home Loan Floating Facility
  • Sample Home Loan Revolving Credit Facility
  • Sample Overdraft Disclosure Statement
  • Sample Unsecured Loan Facility
  • Sample Vehicle Loan Facility

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