More about Internet Banking

Making payments and transfers

Can I make a payment to Inland Revenue in Internet Banking?

By using the ‘Make a Tax Payment’ option in Internet Banking, you can make a payment to Inland Revenue. Simply enter the details from your payment notice - the code and reference details will be automatically entered for you and can be confirmed online. All payments will be reconciled and processed by Inland Revenue upon receipt.

Can I make a student loan payment in Internet Banking?

By using the ‘Make a Tax Payment’ option in Internet Banking, you can make a student loan payment to Inland Revenue. Simply select the ‘Student Loans – Borrower’ tax type from the drop down list, then enter your IRD number and the amount you would like to pay. All payments will be reconciled and processed by Inland Revenue upon receipt.

Can I see the transfers and payments I’ve made in Internet Banking?

You can see the funds transfers, bill payments, tax payments, one-off payments, and automatic payments made from one or all of your BNZ accounts that allow these types of transactions in the transaction history screen. Each payment or transfer will have a status, such as pending or retrying. Processed bill payments, tax payments, one-off payments, and funds transfers are displayed for one business day.

Can I change a payment I’ve set up?

You can modify or delete future-dated funds transfers, bill payments, tax payments, one-off payments and direct credit payments before 6am on the due date.

You can modify or delete automatic payments before 7pm on the due date.

How long does it take for my payment to be made in Internet Banking?

  • International payments can be made between 7am and 7pm on business days. Payments sent outside these hours via secure mail will be processed on the next business day.
  • Bill payments made using a credit card before 6pm will be processed the next business day. Any payments made after 8pm will be processed two business days later.
  • Credit card payments are processed overnight and will be displayed on the transaction history screen the next business day after the transaction is processed. The cut-off time for payments to credit cards is 6pm on business days. If your payment is made before the cut-off time, it will be processed that night. Otherwise, it’ll be processed from 6pm the following business day.

What are the cut-off times for same day processing for other electronic payments?

Payment type
Cut-off time
Automatic Payment - Amendment
7pm
Automatic Payment - New Loading
7pm
Bill Payment
11:55pm
Credit Card Payment
6pm
Direct Credit Batch
N/A
Funds Transfer
11:55pm
International Payments
7pm
One Off Payment
11:55pm
Tax Payment
11:55pm

NB: Payments made after the above times will be processed the next business day.

Logging in

What do I do if I forget my password?

Find out how to reset your password

Note: When you first register for Internet Banking (by calling us, or going in store), you’ll be given a temporary Internet Banking password. This password will expire 72 hours (three days) after you’ve registered for Internet Banking. When you first log in you’ll be asked to accept the Internet Banking Terms and Conditions and change your password. If your temporary Internet Banking password expires before you can first log in, you’ll need to reset your password.

Why can’t I log in to Internet Banking?

Check that you’re entering your access number and password details correctly:

  • Spaces can’t be used to split your access number. It needs to be entered either as a continuous string of numbers (e.g. 123456789) or separated by dashes (e.g. 123-456-789).
  • Your password is case sensitive; double check that caps lock isn’t on.
  • Check your device meets the technical requirements for Internet Banking.

If you want to re-register for Internet Banking, you’ll need to use your 5-digit Telephone Banking PIN –your Internet Banking password can’t be reset or reactivated since you are the only one who knows it. If you cannot re-register because you're not registered for Telephone Banking or have forgotten your Telephone Banking PIN, please call us on 0800 999 269 (+64 4 494 7153 from overseas, charges apply).

Internet Banking security

How can I make sure that only I can access my accounts?

Use your NetGuard each time you log on. NetGuard gives you an extra layer of security for Internet Banking. It's free and works with your existing Internet Banking access number and password to make sure that only you can access your account details.

Also, make sure you don’t tell anyone your password.

What can I do to improve my online security?

Read our top tips on keeping yourself safe online, the Internet Banking terms and conditions PDF 2MB, and follow the recommendations below:

  • Visit our website and Internet Banking by typing www.bnz.co.nz into the address bar.
  • Never leave your computer unattended while you’re logged into Internet Banking.
  • Always log out of Internet Banking when you’ve finished.
  • Never tell anyone your access ID, password or NetGuard card details- don’t write them down either.
  • Don't use your date of birth, telephone number, address, name, or the name of a friend, relative or pet as your password.
  • Use a combination of letters and numbers in your password and make sure that it's difficult for people to guess.
  • Change your password regularly – we recommend at least once every two months.
  • Don't use the same password for anything else (e.g. your email account).
  • Make sure you install and use up-to-date virus detection and anti-virus software to protect your computer from viruses.
  • Install a personal firewall on your computer.
  • Don’t open any suspicious looking emails.
  • Be cautious when using a computer in public places such as Internet cafés. Check that their anti-virus software and firewalls are up-to-date and don’t leave the screen idle for long periods or leave the computer unattended.

NetGuard

Can I still log in to Internet Banking, while I'm waiting for my NetGuard card to arrive?

Yes, you can still log in to Internet Banking, by clicking the 'bypass activation' link on the NetGuard screen. For security reasons, this link will only be available for a limited period; the date is shown on the NetGuard screen. The 'bypass activation' link will no longer be available when that date is reached, or if you’ve activated your NetGuard card.

If you’ve registered for Internet Banking with your credit card, you’ll be able to view your accounts and transfer money straight away. Once your NetGuard card arrives (within five business days), you’ll be able to make payments. If you need to make payments straightaway, you can register with your Telephone Banking PIN, call us on 0800 275 2690, or visit your nearest BNZ store.

Do I always need a NetGuard card to access Internet Banking?

No, you can choose to log in without using NetGuard. If you select this option, you’ll be able to check your account balances and transfer money between your accounts, without needing your NetGuard card. You can change your NetGuard settings at any time, through the Preferences tab inside Internet Banking.

How do I activate my NetGuard card?

Log in to Internet Banking using your access number and password, then enter the three NetGuard values from your card that match the coordinates displayed on the screen. To finish, select the 'Activate' button.

If you have chosen to log in to Internet Banking without using NetGuard, log in using your access number and password and look for a message on the home screen prompting you to activate your card. Select 'Activate', enter the three NetGuard values from your card that match the coordinates displayed on the screen, and then select 'Activate' again.

Note: You’ll need your NetGuard card to make one-off payments and change your preferences.

What should I do if My NetGuard card hasn’t arrived?

If your card has not arrived within five business days of applying, please call us on 0800 999 269 (+64 4 494 7153 from overseas, charges apply).

More about NetGuard

Exporting transaction data

If you’ve got YouMoney, you’ll first need to select 'switch to classic view' under the help menu.

What type of software packages can I export information to?

Most financial software packages will accept your transaction details from Internet Banking. You can export account and transaction information into any software package that accepts Comma Separated Value (CSV) or Quicken Interface Format (QIF) files, including Excel spreadsheets, and financial management packages such as Microsoft Money, Quicken and QuickBooks. It is also possible to export your transaction details in the GIFTS format, which is a New Zealand banking standard.

Do I need Adobe Reader® to print from Internet Banking?

To get the most out of Internet Banking's printing capabilities, you'll need to have Adobe Reader® installed on your computer. You can still print your information directly using your browser's print facility, however, it won’t be formatted as a report. If you don’t have Adobe Reader® installed on your computer, you can download it for free.