Help & Support


Business service charges

Where applicable Service Fees may be charged in addition to Account Fees and are subject to change without notice.

Service Fees

Automatic Payments

Establishment and amendment fee - staff assisted $5.00
Establishment fee - Internet Banking and Internet Banking for Business No charge
Amendment fee - automated Telephone, Internet Banking, and Internet Banking for Business No charge

Bill Payments

Payee establishment and amendment fee - staff assisted $5.00
Payee establishment and amendment fee Internet Banking and Internet Banking for Business No charge

Direct Debits

Establishment and amendment fee $5.00

Telephone Banking

Registration No charge
Call charges No charge

Internet Banking

Registration No charge
NetGuard Card No charge

Account Alerts

Mobile phone via SMS text

Email

No charge

Internet Banking Transactions Fees may apply for all payments made within Internet Banking. Fees vary depending on your account type.

Internet Banking for Business

Registration No charge
Monthly service fee No charge
NetGuard Token No charge

Eftpos card and Flexi Debit Visa

Withdrawals from an overseas ATM $7.50
Flexi Debit Visa Overseas over the counter cash withdrawal fee (overseas financial institutions may also charge a fee) $7.50
Flexi Debit Overseas Purchases Electronic Transaction charges apply
In addition, the above transactions will incur a foreign currency service fee of 2.25% of the NZ dollar value of the withdrawal or purchase. A foreign currency service fee is also charged on all other Flexi Debit Visa Foreign Currency Transaction (as defined in the Flexi Debit Visa terms and conditions pdf 100kb). The Bank does not charge a foreign currency service fee on purchase reversals (which does not include purchase refunds (on which we charge a foreign currency service fee), ATM reversals and chargebacks, and credits a foreign currency service fee that is calculated as a percentage of the New Zealand dollar value of the reversal or chargeback. The converted amount of your Foreign Currency Transaction and the foreign currency service fee (where applicable) are aggregated in the New Zealand dollar amount and in the rate of exchange shown on your statement for each Foreign Currency Transaction.
Replacement of lost or damaged cards $15.00
ATM Recovery Fee
Applies to all ATM cash withdrawals and balance enquiries made at any Westpac, ASB, ANZ, Kiwibank, HSBC, TSB or Credit Union ATM
$1.00 per transaction
Overseas postage fee $2.00
Flexi Debit Visa Annual Card Fee $10.00

Bank Cheques

Issue $6.00

Service and Investigative charges

Stop payments (cheques) $25.00
Special answers (plus courier and taxi charges) $25.00
Replacement statement $5.00 per statement
Certificates of balance $25.00 per certificate or $75.00 per hour
Transaction research fee - Online image fee $0.50 per item
Transaction research fee - Manual image fee $2.00 per item
Transaction research fee - Research fee $15.00 per item or $60.00 per hour
Auditors Confirmation report $40.00 min or $75.00 per hour

Transaction Service fees

In addition account fees may apply

Cash handling fees

Non-personal accounts only. Cash handling fees are calculated per account suffix basis using all cash transactions made on a Calculation Day as set out in the table below.

TransactionTeller assisted deposits and withdrawals in storeExpress Deposit Tower, Business Deposit Unit, ATM, Express Link
Cash transactions less that $5,000 No charge No charge
Cash deposits greater than $5,000 $0.50 per $100 $0.25 per $100
Cash withdrawals greater than $5,000 $0.25 per $100 N/A
Calculation day Transactions are processed on the day that they are made. Cash handling fees are calculated based on the amount processed on the day the transaction is made. Transactions are processed on business days. Deposits made on a weekend or other non-business day are processed on the next business day. Cash handling fees are calculated based on the amount processed on that business day.

Other transaction Service fees

Cheque clearance (non personal accounts only)
Based on the total number of cheques banked per day
$0.25 per cheque
Teller assisted printout(up to last 25 transactions) $1.00

Other Bank processing charges

Cash deposits into Non BNZ accounts $5.00 per $1,000 (min $5)
Cheque deposits into Non BNZ accounts $1.00 per item (min $5)
Non BNZ customer request for change in denomination of money (for example, changing a $100 note into $1 coins) $5.00 per $1,000 (min $5)

International fees

Per currency/transaction. Account Fees and Overseas Bank charges may apply.

International cheques

Issue - next day delivery $20.00
Stop payment $25.00
Cheque repurchase $10.00
Cheque reissue (new cheque required after repurchase) $15.00

Travel Funds

Issue of Foreign cash 1% minimum $10.00
FX fee for withdrawing Australian Dollars from an ATM $5.00

BNZ buys foreign cash
Non-BNZ customer request for change in denomination of money
(e.g. changing Australian Dollars into New Zealand Dollars)

$5 per $1,000 (min $5)

Foreign Currency Account Cash Handling

Deposit Foreign cash to Foreign Currency Account 2% per deposit over $250.00
Withdraw Foreign cash from Foreign Currency Account 1% minimum $5.00

International Payments (Telegraphic Transfers)

Outward (BNZ sends International Payment):
Issue $25.00
Issue via Internet Banking for Business (self service) $15.00
In addition overseas correspondents may charge a fee for processing the International Payment. Unless you instruct BNZ that the Charges Our fee is to apply, then any overseas correspondent’s fees will be deducted from the payment to the beneficiary or charged to you by us if the overseas correspondent has charged us directly for this service. Beneficiary bank charges may still apply.  
Charges Our
This is charged by BNZ in lieu of any overseas correspondent charges for processing the International Payment. This fee will be added to your International Payment Issue fee (and appears as one fee on your statement). Beneficiary bank charges may still apply.
$25.00
International payment trace/amendment/cancellation $25.00
Inward (BNZ receives International Payment):
The remitter of a International Payment (person sending the money) can choose to share the transfer charges with the beneficiary (person receiving the money).  In this situation BNZ will charge an Inward International Payment fee to the beneficiary.  Remitter bank charges may still apply.
Credited to a BNZ Account $15.00
Credited to another bank $25.00
Uplifted in cash $25.00

International Payments received via another New Zealand Bank
International Payments received via another NZ bank (processing bank) may be subject to fees that differ from those outlined above.
International payments including inward and outward, will be charged a transactional fee that includes recovery of third party charges incurred by BNZ for these transactions. 

Clean collections

Items sent on collection 0.25% minimum $50.00
Registered Airmail charge $7.50
Courier charge $14.00 - $50.00
Depending on country item being sent to for collection

Money Transfer Service Fees

Direct credits
Internet Banking for Business $0.30 per payment
Direct debits
Internet Banking for Business $0.20 per payment

Same-day Cleared Payments
Cost per transaction

Written application $25.00 no notification
$25.00 with notification
Via Internet Banking for Business $5.00 no notification
$5.00 with notification
Notification for incoming payments Free

Remittance Processing

Cheque Post (business only) P.O.A (business only)

Security / Loan Documentation

In addition to standard loan fees

Arrange Loan against Life Policy $25.00 per policy
Preparation of Chattels $50.00
Preparation of Deed of Lien $25.00
Discharge of Mortgage / Debenture / General Security Agreement $100.00
Execution of Memorandum of Priority of Mortgage
(Not at the Bank's instigation)
$100.00 per memorandum
Partial Discharge of Mortgage / Debenture / General Security Agreement $100.00 per deed
Any other Deed or Security advice
(including surrender of Life Policy)
$50.00

Miscellaneous fees

Local faxing $2.00 per page
National faxing $3.00 per page
International faxing $7.50 per page
International Postage $2.00
Photocopying $0.20 per page

If you would like more information on any of the services above, please see our fees guidessend us an email with your query or phone us any time on  0800 ASK BNZ (0800 275 269).