Back to 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


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.


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.
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