Terms and conditions

By operating any of your accounts with us you agree to be bound by our Standard Terms and Conditions.

In addition, you must read and accept any specific product terms and conditions before applying for any of these products/facilities.

In using this site, you also agree to be bound by the website terms and conditions.

Personal banking terms and conditions

Everyday banking

Fees guide

Eftpos and Flexi Debit Visa

Overdrafts

Online banking

In branch

Home loans

Memorandum of Mortgage

Home Loan Facility Master Agreement

For home loans (except those listed below):

For Rapid Repay loans:

Contact us to get a copy of your agreement for

  • amortisation home loans entered into before 28 August 2016 (amortisation home loans are loans where the documented term is shorter than the term used to set up your payments); and
  • home loans entered into before 1 April 2005.

TotalMoney terms and conditions

Credit cards

By operating a BNZ credit card you agree to be bound by the specific terms and conditions for your credit card

BNZ credit card terms and conditions apply to BNZ Visa Classic, Visa Platinum, Visa Limited Edition Platinum, BNZ Advantage Visa Classic, BNZ Advantage Visa Platinum, BNZ Advantage Visa Business and Visa Lite; and BNZ Advantage Classic Mastercard, HomeAdvantage Mastercard, Low Rate Mastercard and Activator Mastercard.

Investments

Personal loans

Community Finance loans

StepUP loans are a community initiative of BNZ and Good Shepherd, supported by the Ministry of Social Development. BNZ is the lender, but StepUP loans are only available via our community providers. See www.stepuploan.org.nz for further details and a list of providers.

KiwiSaver

Insurance

LifeCare General Terms and Conditions

Our insurance documents reflect the terms and conditions that were current at their specified dates shown below. New versions are added over time as we make product changes which apply to new cover issued from that point on. For some customers there are also addendums to download. Addendums explain where we’ve enhanced the terms and conditions for existing customers when we’ve made changes for new cover.

Your policy document will tell you the start date(s) of your cover so you know which terms and conditions apply to your policy. Depending on the date you started your cover you may need to read the General Terms and Conditions, and Addendum(s), to make up full Terms and Conditions for your cover. If you have increased your cover over time, or added cover options, you may need to read more than one version of the terms and conditions.

Please note that branding, company names, and legislative and regulatory references included in these documents were relevant for the period they were issued, but have not been updated in all versions over time.

If your cover commenced on or after 1 April 2019, view and download: 

If your cover commenced between 1 May 2017 and 31 March 2019, view and download:

If your cover commenced between 28 February 2015 and 30 April 2017, view and download:

If your cover commenced between July 2012 and 27 February 2015, view and download: 

If your cover commenced between 6 April 2009 and 29 July 2012, view and download: 

If your cover commenced between 1 September 2003 and 5 April 2009, view and download: 

If your cover commenced before 1 September 2003, view and download: 

EasyCover General Terms and Conditions

EasyCover was closed for new or increase applications from 2 April 2020.

Existing EasyCover customers

Our insurance documents reflect the terms and conditions that were current at their specified dates shown below. New versions are added over time as we make product changes which apply to new cover issued from that point on. For some customers there are also addendums to download. Addendums explain where we’ve enhanced the terms and conditions for existing customers when we’ve made changes for new cover.

Your policy document will tell you the start date(s) of your cover so you know which terms and conditions apply to your policy. Depending on the date you started your cover you may need to read the General Terms and Conditions, and Addendum(s), to make up full Terms and Conditions for your cover. If you have increased your cover over time, you may need to read more than one version of the terms and conditions.

Please note that branding, company names, and legislative and regulatory references included in these documents were relevant for the period they were issued, but have not been updated in all versions over time.

If your cover started on or after 16 March 2015, view and download: 

If your cover started before 16 March 2015, view and download: 

PremierCare (house, contents, vehicle, and boat insurance)

Asset finance

Private bank

Business banking terms and conditions

Everyday banking

Fees guide

Online banking

Loans and finance

You may need to read more than one version of the terms and conditions below depending on the date of your loan agreement. If you have a Letter of Advice, please refer to your Loan Facility Master agreement.

Asset finance - Business

Investments

Credit cards

Merchant services

Insurance

Business LifeCare General Terms and Conditions

Business LifeCare is closed for applications for new or increased cover.

Existing Business LifeCare customers

Our insurance documents reflect the terms and conditions that were current at their specified dates shown below. New versions are added over time as we make product changes which apply to new cover issued from that point on. For some customers there are also addendums to download. Addendums explain where we’ve enhanced the terms and conditions for existing customers when we’ve made changes for new cover.

Your policy document will tell you the start date(s) of your cover so you know which terms and conditions apply to your policy. Depending on the date you started your cover you may need to read the General Terms and Conditions, and Addendum(s), to make up full Terms and Conditions for your cover. If you have increased your cover over time or added cover options, you may need to read more than one version of the terms and conditions.

Please note that branding, company names, and legislative and regulatory references included in these documents were relevant for the period they were issued, but have not been updated in all versions over time.

If your cover commenced on or after 6 April 2009, view and download:

If your cover commenced before 6 April 2009, view and download:

Markets

Disclaimer

The information on our website, in publications, or emails (“publication”) is provided for general information only, and is a summary based on selective information which may not be complete for your purposes. This publication does not constitute any advice or recommendation with respect to any matter discussed in it, and its contents should not be relied on or used as a basis for entering into any products described in it. To the extent that any information or recommendations in this publication constitute financial advice, they do not take into account any person’s particular financial situation or goals. Bank of New Zealand strongly recommends recipients seek independent legal and financial advice prior to acting in relation to any of the matters discussed in this publication.

Any statements as to past performance do not represent future performance, and no statements as to future matters are guaranteed to be accurate or reliable.

To the maximum extent permissible by law, neither Bank of New Zealand nor any other person involved in this publication accepts any liability for any loss or damage whatsoever which may directly or indirectly result from any information contained in or omitted from (whether negligently or otherwise) this publication.

Product Disclosure Statements

BNZ has, under Part 3 of the Financial Markets Conduct Act 2013, lodged (on 16 April 2020) a Product Disclosure Statement dated 16 April 2020 for regulated offers of forward exchange contracts to be issued by BNZ. A copy of the PDS may be obtained here or on request and free of charge by phoning BNZ on 0800 658 882.

Product Disclosure Statements (PDS) for regulated offers

Further information about Forward Exchange Contracts is available in the BNZ Product Disclosure Statement (above) or free of charge from your Markets Specialist.

Website terms and conditions

You acknowledge and accept that your use of this site indicates your acceptance of these website terms and conditions.

  • New Zealand law: the information contained on this site has been prepared in accordance with New Zealand law for the supply of products and services in New Zealand only.
  • For New Zealand residents: the information on this site is provided for New Zealand residents only. Any offer of securities on this site is only an offer to persons resident in New Zealand and is not available for subscription by any person outside New Zealand.
  • General information: the information on this site is for general information only. Although every effort has been made to ensure that the information is current and accurate, the information is selective and may not be complete or suitable for your intended use.
  • Independent advice: we strongly recommend that you seek independent advice before acting on any information on this site. This site is not designed for the purpose of providing personal financial or investment advice.
  • Access to and permitted uses: you acknowledge that access to and use of this site is not guaranteed and may be limited or blocked, without prior notice, for operational or other reasons. You must not use this site for any unauthorised, false, or fraudulent activities and you must not take any action that could interfere with the normal operation of this site. We may restrict or block your access to and use of this site at any time if we reasonably believe that you may have breached any term of these website terms and conditions.
  • Intellectual property: your use of this site must not infringe the intellectual property rights of any person. The material on this site is protected by copyright law, and the Bank of New Zealand’s names and logos are our trademarks and are protected by trademark law. 
  • Third party features, products, and services: any third party features, applications, products, and/or services that may be available for use on this site or that may be accessed via this site, are subject to compliance with the applicable third party’s terms and conditions. You take full responsibility for your dealings with the third parties and your use of their features, applications, products, and/or services.  
  • Google Maps/Google Earth: when using Google Maps data on this site or our applications, you’re bound by the Google Maps/Google Earth Additional Terms of Service (including the Google Privacy Policy).
  • Subject to change: we can change these website terms and conditions at any time and your continued use of this site is deemed acceptance of these terms and conditions as updated.
  • Other terms and conditions: these website terms and conditions are in addition to and do not replace any terms and conditions for BNZ accounts, products, or services (product terms). If any of these website terms and conditions conflict with any product terms, the product terms will prevail.
  • Liability: subject to any applicable law which cannot be excluded and to all provisions implied by statute which cannot be excluded, BNZ accepts no responsibility for any loss, damage, cost, or expense (whether direct or indirect) incurred by you as a result of any error, omission, or misrepresentation in any information in this site or our failure to provide this site.
  • No deemed consent: publication of email addresses should not be taken as deemed consent to receiving unsolicited email.
  • Suggestions and ideas: we value the comments and suggestions you have on our website and products. Any suggestions you submit to us on our website will become the bank’s intellectual property, and may be used by us in any way without any payment or notice to you. This doesn’t affect our obligations to you about your personal information.
  • Privacy and cookies: by using this site you authorise BNZ to collect, use, and disclose your personal information in accordance with our Master Privacy Policy, these website terms and conditions, and our Cookies Policy.