Wake up, get out of bed, get on with life, knowing your bank is just getting on with it behind the scenes.  No fuss, no hassle, just doing the basics with a range of everyday banking options. Live life in the moment and manage your money wherever life takes you. So whether it’s paying bills, saving, shopping online, buying lunch or travelling overseas, it’s easy. You can access and manage your everyday accounts through our Online Banking website or via our mobile app which is available to download from the App store or Google Play to your Smartphone. Visit our online banking page for more information on our internet banking services and our mobile app.

Save on your monthly bank fees with the Lite Account. Make as many electronic transactions as you like and pay no monthly account fee. This includes all New Zealand EFTPOS transactions, Internet banking payments, Direct Debits and ATM withdrawals.

This account is designed for customers who like to manage their own money through internet banking and mobile app and prefer to make payments by EFTPOS transaction. With no minimum opening balance and no minimum withdrawal amount you can start enjoying the benefits right away!

There is no credit interest paid on this account, and at no additional cost you can combine your Lite Account with an i-save Account, our online-based savings account, and earn a competitive interest rate on every dollar. You can then transfer your funds online from one account to the other when you need to – it couldn’t be easier!


  • No monthly account fee although additional fees and charges may apply
  • Access online/Mobile app/in-branch
  • Access your money with an SBS Debit Mastercard
  • No Annual Debit Mastercard fee although additional fees and charges may apply
  • Currency conversion charges apply to international transactions including some online retailers
  • Unlimited electronic transactions
  • Free Internet banking
  • Online statements

Important information for Lite account

Account opening and card eligibility criteria, fees and charges, Debit Mastercard Card, Electronic Banking and General Terms and Conditions apply.



Debit Mastercard

SBS Bank Debit Mastercard® at a glance

  • No annual card fee
  • Use in-person and online around the world where Mastercard accepted
  • Payments directly from your account – you always know how much money you have left
  • Currency conversion charges apply to international transactions including some online retailers


  • Use contactless technology to make Tap & Go TM payments up to $200
  • Uses your own money, so no Credit Card interest rates or bills at the end of the month
  • Access your own funds from your everyday accounts at more than 1.8million ATMS world-wide
  • Safe and secure – with chip and PIN protection

To order a new or replacement Debit Mastercard for your existing Lite account, please contact us via secure message or 0800 727 2265

For more information on our Debit Mastercard please click here Card eligibility criteria, fees and charges, SBS Debit Mastercard Terms and Conditions apply.

NZ ATM / Eftpos Card


  • easy everyday use within New Zealand
  • Confidential 4 digit personal ID number
  • You decide what accounts to access with your card
  • automatically reissued when due to expire
  • if reported lost and then found on the same day, the ‘block’ can be reversed to be able to start using again

For what you really want

You never know when you might need a helping hand to get something you really want. It might be a new car, a fabulous holiday, new furniture, home renovations, or the ability to consolidate your bills into one convenient loan. 

At SBS Bank we can help you, with payments to suit your pocket. We offer both secured and unsecured personal loans, giving you the flexibility to choose the option that best suits you. Anything’s possible with a personal loan.


  • Loan decision in just minutes
  • Have the money in your bank account within 24 hours (next business day)*
  • Borrow $1,000 - $20,000
  • Repayments that suit your budget
  • Make extra payments or lump-sum payments when you have spare cash
  • Make fixed weekly, fortnightly or monthly payments
  • Interest rate agreed upon at the beginning of the loan so there are no surprises


* Personal loans are provided by Finance Now Limited, a subsidiary of Southland Building Society (SBS Bank). Finance Now lending criteria, fees and loan terms apply for all secured and unsecured personal loans, and are available on our website.  A $215 application fee and a $2.50 monthly service fee apply. Interest rates for personal loans range from 13.95% to 29.95% p.a.. Loan terms range from 6 to 60 months. 24-hour time frame applies from approval of your loan by Finance Now, during normal business hours. Full disclosure of all terms of your loan (Including the total amount payable over the term of the loan) will be provided to you prior to finalisation of your loan. SBS Bank may receive a commission for any successful personal loan application.


International Services

  • Receive money from overseas – into your account 
  • Make an international payment

Please visit our international page for more information on travelling overseas or receiving money from overseas.

Fees and Charges Apply to international transactions. Debit Mastercard eligibility criteria, fees and charges, SBS Debit Mastercard Terms and Conditions apply.


Retrieve application

To continue an application you have previously saved you will need the username and password you saved the application under.

Saved Applications