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Rates and fees
Service fees
Service fees are what we charge for any additional services we provide. They are subject to change from time to time, and, where applicable, service fees are in addition to all account and facility fees.
Electronic payments
Automatic payments
| Establishment and amendment fee - staff assisted |
$5 |
| 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 |
| Payee establishment and amendment fee Internet Banking and Internet Banking for Business |
No charge |
Direct debits
| Establishment and amendment fee |
$5 |
| Direct Debit Account Blocking |
$25 |
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 no notification
$25 with notification |
| Via Internet Banking for Business |
$5 no notification
$5 with notification |
| Notification for incoming payments |
Free |
Internet and telephone banking
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 in Internet Banking.
Fees vary depending on your account type.
|
Telephone Banking
| Registration |
No charge |
| Call charges |
No charge
|
Flexi Debit Visa and Eftpos cards
| 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 |
| Foreign currency service fee |
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 Standard Terms and Conditions pdf 286 kb). The Bank does not charge a foreign currency service fee on purchase reversals, purchase refunds, ATM reversals and chargebacks. For those transactions (not including purchase refunds) we credit 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.
Cheques
| Issue bank cheque |
$6 |
| Cheque deposits into non-BNZ accounts |
$1 per item (min $5) |
Cheque clearance (non personal accounts only)
Based on the total number of cheques banked per day |
$0.75 per cheque |
Service fees for international transactions
| Per currency/transaction. Account Fees and Overseas Bank charges may apply. |
International cheques
| Issue - next day delivery |
$20 |
| Stop payment |
$25 |
| Cheque repurchase |
$10 |
| Cheque reissue (new cheque required after repurchase) |
$15 |
Travel funds
| Issue of Foreign cash |
1% minimum $10 per currency |
|
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 |
| Withdraw Foreign cash from Foreign Currency Account |
1% minimum $5 |
International payments (Telegraphic transfers)
| Outward (BNZ sends International Payment): |
| Staff assisted |
$25 |
| Self-service online |
$15 |
| 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. |
$20 |
| International payment trace/amendment/cancellation |
$25 |
| 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 |
| Credited to another bank |
$25 |
| Uplifted in cash |
$25 |
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 |
| Registered Airmail charge |
$7.50 |
| Courier charge |
$14 - $50
Depending on country item being sent to for collection |
Service fees for security and loan documentation
In addition to standard loan fees
| Discharge/Partial Discharge of Mortgage |
$40 per discharge |
| Memorandum of Priority/Mortgage Priority Instrument |
$10 per instrument |
| Discharge/Partial Discharge of Debenture/General Security Agreement/Specific Security Agreement |
$100 per discharge |
| Production Fee |
$100 |
|
Any other Deed or Security release
|
$30 per deed/release
|
| Rates Arrears Fee |
$25 per default |
Service and Investigative charges
| Stop payments (cheques) |
$25 |
| Replacement statement |
$5 per statement |
| Certificates of balance |
$25 per certificate or $75 per hour |
| Transaction research fee - Online image fee |
$0.50 per item |
| Transaction research fee - Manual image fee |
$2 per item |
| Transaction research fee - Research fee |
$15 per item or $60 per hour |
| Auditors Confirmation report |
$40 min or $75 per hour
|
| Electronic Credit Recovery Fee |
$75 per transaction |
Other transaction service fees
| Teller-assisted printout (up to last 25 transactions) |
$1
|
| Cash deposits into Non BNZ accounts |
$5 per $1,000 (min $5) |
| Non-BNZ customer request for change in denomination of money (for example, changing a $100 note into $1 coins) |
$5 per $1,000 (min $5) |
Faxing, postage, and photocopying fees
| Local faxing |
$2 per page |
| National faxing |
$3 per page |
| International faxing |
$7.50 per page |
| International Postage |
$2 |
| Photocopying |
$0.20 per page |