Paying your credit card balance
The easiest way to pay your credit card is online, by making a transfer from your account in Internet Banking or the BNZ app. We have different methods of payment available as well.
Ways to pay your credit card online
Transferring between accounts
You can transfer money from any of your accounts in Internet Banking or in the BNZ app, to your credit card account (as you’d usually transfer money between transaction accounts).
Setting up an automatic payment
You can set up an automatic payment in Internet Banking or in the BNZ app to regularly pay a set amount off your credit card.
Fill in the payee reference fields as following.
- Particulars: your name, as shown on your card or customer statement.
- Code: the first 4 digits of your credit card number.
- Reference: the last 12 digits of your credit card number.
Remember to check that your automatic payment covers at least the minimum payment each month so you don’t get charged a late payment fee.
If you don’t have Internet Banking, you can print out and fill in the Authority for automatic payments form PDF 127KB and take it into your nearest BNZ branch.
Paying by direct debit
You can set up a direct debit from any of your accounts to pay some of your credit card bill, the whole amount, or the minimum payment. The payment is taken automatically each month from the account you choose. A direct debit means you won’t miss any payments.
If you want to set up a direct debit, fill out the Direct debit for credit cards form PDF 87KB and send it back to the address on the form. Or you can call us on 0800 800 667 and we’ll send a form to you.
Where to send your direct debit form
Email: bnzap@bnz.co.nz
Post: FreePost 331, BNZ, PO Box 3000, Wellington
Paying from another bank
If you bank online or over the phone with another bank, you can set up a bill payment or automatic payment to pay your credit card.
Your other bank already has our payment details. When you set up a payment, choose ‘BNZ Credit Card’ from the existing payee list.
Checking the payee details
You can check the Payee details against the information below.
- Account name: BNZ Credit Card
- Account number: 02-0987-0001203-002
Details to include in your payment
Your payment to this account must include:
- particulars: the name on the card
- code: the first four digits of the card number
- reference: the rest of the card number.
Make sure your credit card number is entered correctly. An incorrect number may delay the payment to your account.
Processing time for payments
When paying your credit card from another bank, allow up to two business days for the funds to be available.
Paying in person
You can pay your credit card at any BNZ branch, either at the counter or by using an ATM.
Our network of Smart ATMs can accept credit card payments by cash only as we no longer accept cheques. All you need is your credit card and our Smart ATMs will do the rest.