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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
  • 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
  • Special offer Terms and Conditions

  • Terms and Conditions - IAG $50 cash back insurance renewal
  • Terms and Conditions - Survey Prezzy Card prize draw
  • Terms and Conditions - Existing customer Home Loan cashback offer
  • Terms and Conditions - Insurance cashback offer for refinanced Home Loan customers
  • Terms and Conditions - New insurance policy cashback offer February/March 2026
  • Terms and Conditions - Get a share of $25k new customer offer 2026
  • 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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