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
| SKIP Terms & Conditions | Effective 1 September 2025 | Download PDF |
Competition Offers Terms and Conditions
|
July 2025 SBS Bank’s Member Survey Prize Draw Terms & Conditions |
Effective July 2025 | Download PDF |
| 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 |