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 |
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 |
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 |
FirstHome Combo Terms and Conditions
FirstHome Combo Terms and Conditions | Effective 7 Dec 2024 | Download PDF |
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 |
Online Banking Terms and Conditions
Electronic Banking Terms and Conditions | Effective 28 Nov 2024 | Download PDF |
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 |
Promotions and Offers Terms and Conditions
There are no current terms and conditions for promotions and offers.
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 |