Public notices

If you need more information on any of these notices please visit your local BNZ branch or phone 0800 275 269.

View Financial Markets Authority (FMA) notices

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Our variable (floating) home loan interest rates are changing

Effective from 29 July 2026

Our variable (floating) home loan interest rates for new and existing customers are increasing as indicated below.

Interest rates are subject to change. Full details, and a copy of our current disclosure statement may be obtained from any BNZ branch or Partners Centre, or on our website. For more information, please phone 0800 275 269.

Changes to Standard terms and conditions

Effective from 21 July 2026

We’re making changes to our BNZ Standard terms and conditions.

The changes include:

adding a further scenario to the Key Information section on page 2, for customers contacting us about their Flexi Debit Visa or Eftpos card
adding new clause 14.9 on page 19, to clarify how our Flexi Debit Visa card expires and is reissued
altering the clause currently numbered 14.25 on page 21, now to be numbered 14.26, to add description of how daily transaction limits may vary for Flexi Debit Visa cards and how to find out the current daily transaction limits applicable to Flexi Debit Visa cards
correcting minor typographical errors, and making other clarifying or formatting changes.

View the current BNZ Standard terms and conditions (PDF 296KB).

View the updated BNZ Standard terms and conditions (PDF 287KB), effective from 21 July 2026.

For more information, visit any BNZ branch or call us on 0800 275 269.

CashFlow Plus base rate change

Effective from 15 July 2026

Our CashFlow Plus base rate is increasing.

Your CashFlow Plus interest rate comprises a base rate plus a margin. It applies to the amount outstanding up to your limit. Your margin is stated in your facility agreement.

The CashFlow Plus excess rate applies to amounts that exceed your limit. This is the CashFlow Plus base rate plus 8.00% p.a.

Rates are subject to change. If you need more information, please phone 0800 275 269.

Changes to our Merchant Agreement Master Terms and Conditions

Effective from 9 July 2026

We’re changing the BNZ Merchant Agreement Master Terms and Conditions.

The changes include:

Adding new clauses 3.11 and 3.12 for BNZ Pay and making related changed by defining Apple, amending the definition of relevant law, and amending clauses 19.3 and 28.9.
Correcting minor typographical errors and making other clarifying or formatting changes.

View the current BNZ Merchant Agreement Master Terms and Conditions (PDF 174KB).

View the updated BNZ Merchant Agreement Master Terms and Conditions (PDF 182KB), effective from 9 July 2026.

For more information, contact your relationship manager or call 0800 737 774.

CashFlow Plus base rate change

Effective from 16 June 2026

Our CashFlow Plus base rate is increasing.

CashFlow Plus base rate change

Effective from 15 May 2026

Our CashFlow Plus base rate is increasing.

Changes to our Migrant Account Terms and Conditions

Effective from 29 April 2026

We’re making changes to our Account Terms and Conditions for migrants.

The changes include:

Updating all references to “Account Terms and Conditions” to “Migrant Account Terms and Conditions”.
Updating references to “BNZ” to “the Bank”.
Clarifying the Account activation process in clause 2, including that the Account Holder must visit a BNZ branch in order to activate the Account, unless BNZ agrees otherwise.
Clarifying the Account closure process in clause 2.3, including that funds will be refunded to the account of origin, or to another account in the Account Holder’s name with a reputable bank or financial institution.
Updating the service terms in clause 7.3 to clarify they relate to demands or notices from BNZ.
Making minor updates to the Personal Information Notice in clause 11, including clarifying that references to “this form” mean the Migrant Banking account application form.
Making other changes to simplify wording, improve readability, and reduce duplication.

View the current Account Terms and Conditions (PDF 135KB).

View the updated Migrant Account Terms and Conditions (PDF 149KB), effective from 29 April 2026.

For more information, visit any BNZ branch or call us on 0800 275 269.

CashFlow Plus base rate change

Effective from 15 April 2026

Our CashFlow Plus base rate is increasing.