Terms and conditions

Terms and conditions

This page provides downloadable PDFs of our current terms and conditions. You can also check our archive for older versions of our terms and conditions.

General Terms and Conditions

General Terms and Conditions (including our Privacy Statement in Section 12) Effective 26 May 2023 Download PDF
Website Terms of Use   Download PDF

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I.D. and Address Verification Requirements

Identification and Address Verification Requirements (individual)   Download PDF
Identification and Address Verification Requirements (organisations not-for-profit)   Download PDF
Company Identification Requirements   Download PDF
Partnerships Identification Requirements   Download PDF
Trust Identification Requirements   Download PDF
Children’s Identification Requirements   Download PDF
SBS Verify Privacy Policy Effective 26 Jun 2024 Download PDF

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AEOI and CRS foreign tax residency information

AEOI - Your Obligations - IRD Introduction   Download PDF
New Zealand IRD Tax Residency   Download PDF
Foreign Tax Certification Form Organisations   Download PDF
Foreign Tax Certification Form Personal   Download PDF


There are no archived versions of our AEOI and CRS foreign tax residency information documents.

Lending Standard Contract Terms


Reverse Equity Mortgages

SBS Unwind Loan Terms and Conditions Effective 1 May 2020 Download PDF
SBS Unwind Loan Schedule Effective 1 May 2020 Download PDF
Standard contract terms SBS Advance Term Loan   Download PDF
Memorandum of Mortgage   Download PDF

 

All Other Mortgage Lending

Flexi Loan Schedule   Download PDF
Term Loan Schedule   Download PDF
Loan Terms and Conditions Effective 10 February 2025 Download PDF
Memorandum of Mortgage   Download PDF

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FirstHome Combo Terms and Conditions

FirstHome Combo Terms and Conditions Effective 7 Dec 2024 Download PDF

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Everyday Banking Terms and Conditions

Debit MasterCard® Terms and Conditions Effective 18 Apr 2024 Download PDF
Debit MasterCard® ID Check Terms and Conditions Effective 21 Jul 2020 Download PDF
Eftpos Card Terms and Conditions Effective 12 Apr 2019 Download PDF

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Online Banking Terms and Conditions

Electronic Banking Terms and Conditions Effective 28 Nov 2024 Download PDF

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Investment Terms and Conditions

Term Investment Terms & Conditions Effective 1 Dec 2016 Download PDF


There are no archived versions of our Investment Terms and Conditions.

Credit Card Terms and Conditions and Documents

SBS Visa Credit Card Conditions of Use   Download PDF
SBS Pink Ribbon Visa Credit Card Conditions of Use (product no longer available)   Download PDF

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Promotions and Offers Terms and Conditions

There are no current terms and conditions for promotions and offers.

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Competition Offers Terms and Conditions

2024 SBS Bank Tour of Southland Banner Competition Terms and Conditions Effective Oct 2024 Download PDF
SBS Bank 24/25 New Zealand Open Pro-Am Prize Terms and Conditions Effective Nov 2024 Download PDF

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