Mobile banking

Check your account balances, transfer money, top up your mobile, and more - all on the go with our free Mobile Banking app^.

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Take your bank with you

Check your balances

Check balances on the go, including your credit card, and track your deposits and withdrawals for the last 90 days.  You can also view upcoming payments and transfer money quickly between your accounts.^

Pay friends and bills

Make a same-day payment to any New Zealand bank account and set up, edit, and delete automatic payments for free so you can pay your bills on time. 

Safe and secure banking

You can log in to our Mobile Banking app with your Internet Banking password, or set up a 5-digit PIN. Touch ID or Face ID (Apple) and Fingerprint Login (Android) are also available for compatible devices.

Mobile payments

Add your cards to Apple PayTM or Google PayTM to start paying with your Apple^ or Android devices^ and your BNZ Flexi Debit Visa and eligible Visa credit cards^.

Pay for things

Quickly pay for Trade Me items you’ve won by linking your Trade Me account. You can also top up any Vodafone, Spark, Skinny or 2degrees prepaid mobile from your app.

Find your nearest store or ATM

Use your smartphone’s location services to find your nearest BNZ store or ATM.

Apple Pay. Your new, easy way to pay is here

Now you can pay for everything from takeout to taxis with your BNZ Flexi Debit Visa, eligible Visa credit cards and Apple PayTM.

Everything at your fingertips

Top-notch security

Apple and Android apps^^

With our Mobile Banking apps, Mobile NetGuard provides a second layer of security for you. It’s embedded within the Mobile Banking app on your device and works automatically to authenticate your details when you log in.

You can activate Mobile NetGuard using your NetGuard card and then log in with your Internet Banking password, 5-digit PIN, Touch or Face ID, or Fingerprint Login.

Other smartphones

Our mobile-optimised site uses the same secure login features as BNZ Internet Banking. Just go to on your smartphone, and log in with your Internet Banking access number and password.

For added security, if you’re logged into Mobile Banking but haven’t done anything for five minutes, we’ll automatically log you out.

Start banking from your mobile today

There’s no additional cost, sign-up or registration process, you just have to be a BNZ Internet Banking customer. Register for Internet Banking if you haven’t yet, otherwise download the app and you’re ready to go.

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Small Print

Google Pay is a trademark of Google LLC.

  1. Maintenance sometimes required. Mobile coverage and data required to access BNZ online banking services and the BNZ Mobile Banking App.

  2. Fees may apply.

  3. Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible devices, see

  4. BNZ credit card and BNZ Flexi Debit Visa terms and fees apply, and these are subject to change. To use Android Pay, you need an NFC-enabled Android™ device (KitKat 4.4+), the BNZ Mobile Banking app and an eligible BNZ Visa credit or Flexi Debit Visa card. Android Pay can only be used at outlets that accept contactless payments, and online when activated by the merchant. Android, Android Pay, Google Play and the Google Play logo are trademarks of Google Inc.  Mobile coverage and data are required to access BNZ online services and the BNZ Mobile Banking app. If you upgrade your EFTPOS card to a Flexi Debit Visa, your PIN should be transferred provided you have made a recent PIN activated transaction.  To activate your card, use your existing PIN at an ATM or EFTPOS terminal in New Zealand, before using Android Pay.  If you have a new eligible Visa credit or Flexi Debit Visa card, you will need to go into a BNZ store to load a PIN before Android Pay will work.

  5. Eligible cards include BNZ Advantage Visa Platinum, BNZ Advantage Visa Classic, BNZ Advantage Visa Business, BNZ Lite Visa, BNZ Visa Classic, BNZ Visa Platinum and BNZ Flexi Debit Visa. BNZ credit card and Flexi Debit Visa card terms and fees apply when you use your card in Google Pay or Apple Pay.

  6. Apple, the Apple logo, iPhone, iPad, and iPod touch are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Watch is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

  7. Android, Google Play, and the Google Play logo are trademarks of Google Inc.