General Terms and Conditions archive
| Title | Date | Document |
| Website Terms of Use ARCHIVED | Download PDF | |
| General Terms and Conditions (including our Privacy Statement in Section 14) ARCHIVED | Effective 14 April 2026 |
Download PDF |
| General Terms and Conditions ARCHIVED | Effective 4 December 2025 | Download PDF |
| General Terms and Conditions (including our Privacy Statement in Section 13) ARCHIVED | Effective 1 October 2025 | Download PDF |
| General Terms and Conditions (including our Privacy Statement in Section 12) ARCHIVED | Effective 26 May 2023 | Download PDF |
| General Terms and Conditions (including our Privacy Statement in Section 8) ARCHIVED | Effective 1 Dec 2020 | Download PDF |
| General Terms and Conditions (including our Privacy Statement in Section 8) ARCHIVED | Effective to 30 Nov 2020 | Download PDF |
I.D. and Address Verification Requirements
| Title | Date | Download |
| Identification and Address Verification Requirements (individual) ARCHIVED | Download PDF | |
| Children’s Identification Requirements ARCHIVED | Download PDF | |
| SBS Verify Privacy Policy ARCHIVED | Effective 26 June 2024 | Download PDF |
| SBS Verify Privacy Policy ARCHIVED | Effective 23 October 2018 | Download PDF |
| SBS Verify Terms and Conditions ARCHIVED | Effective 23 October 2018 | Download PDF |
AEOI and CRS foreign tax residency information
There are no archived versions of our AEOI and CRS foreign tax residency information documents.
Lending Standard Contract Terms
| Title | Date | Download |
| Loan Terms and Conditions ARCHIVED | Effective 27 Jan 2016 | Download PDF |
FirstHome Combo Terms and Conditions
| Title | Date | Download |
| FirstHome Combo Terms and Conditions ARCHIVED | Effective 17 Aug 2023 | Download PDF |
| FirstHome Combo Terms and Conditions ARCHIVED | Effective 11 Nov 2023 | Download PDF |
| FirstHome Combo Terms and Conditions ARCHIVED | Effective 2 Sep 2024 | Download PDF |
| FirstHome Combo Terms and Conditions ARCHIVED | Effective 7 Dec 2024 | Download PDF |
| FirstHome Combo Terms and Conditions ARCHIVED | Effective 5 Mar 2026 | Download PDF |
| FirstHome Combo Terms & Conditions ARCHIVED | Effective 27 March 2026 | Download PDF |
Everyday Banking Terms and Conditions
| Title | Date | Download |
| Debit MasterCard® Terms and Conditions ARCHIVED | Effective 28 October 2025 | Download PDF |
| Eftpos Card Terms and Conditions ARCHIVED | Effective 12 April 2019 | Download PDF |
| Debit Mastercard® Terms and Conditions ARCHIVED | Effective 18 April 2024 | Download PDF |
| Debit MasterCard® Terms and Conditions ARCHIVED | Effective 21 Jul 2020 | Download PDF |
| Telephone Banking Terms and Conditions (service no longer available) ARCHIVED | Effective 26 May 2023 | Download PDF |
| Telephone Banking Terms and Conditions (service no longer available) ARCHIVED | Effective 14 February 2011 | Download PDF |
Online Banking Terms and Conditions
| Title | Date | Download |
| Electronic Banking Terms and Conditions ARCHIVED | Effective 22 October 2025 | Download PDF |
| Electronic Banking Terms and Conditions ARCHIVED | Effective 28 November 2024 | Download PDF |
| Electronic Banking Terms and Conditions ARCHIVED | Effective 22 Apr 2024 | Download PDF |
| Electronic Banking Terms and Conditions ARCHIVED | Effective 26 May 2023 | Download PDF |
| Electronic Banking Terms and Conditions ARCHIVED | Effective 10 Jul 2019 | Download PDF |
| Electronic Banking Terms and Conditions for j-bank users (service no longer available) ARCHIVED | Effective 26 May 2023 | Download PDF |
| Electronic Banking Terms and Conditions for j-bank users (service no longer available) ARCHIVED | Effective 10 Jul 2019 | Download PDF |
Credit Card Terms and Conditions and Documents
| Title | Date | Download |
| SBS Visa Card Conditions of Use ARCHIVED | June 2025 | Download PDF |
| SBS Pink Ribbon Conditions of Use ARCHIVED | October 2022 | Download PDF |
| SBS Visa Credit Card $100 Special Offer (no longer available) ARCHIVED | Effective 16 Apr 2024 | Download PDF |
| SBS Visa Credit Card $50 Special Offer (no longer available) ARCHIVED | Effective 16 Apr 2024 | Download PDF |
| SBS Visa Card Cash Back Terms and Conditions ARCHIVED | Effective 8 Nov 2021 | Download PDF |
Investment Terms and Conditions
| Title | Date | Document |
| Term Investment Terms & Conditions ARCHIVED | 1 December 2016 | Download PDF |
Promotions and Offers Terms and Conditions
| Title | Date | Download |
| Get25 Terms and Conditions ARCHIVED | Download PDF | |
| SKIP Terms & Conditions effective until 31 August 2025 ARCHIVED | Download PDF | |
| SBS Sustainability Survey Terms and Conditions ARCHIVED | Effective 30 May 2024 | Download PDF |
| SBS Sustainability Survey Terms and Conditions ARCHIVED | Effective May 2024 | Download PDF |
| Customer Satisfactory Survey Terms and Conditions ARCHIVED | Effective April 2024 | Download PDF |
| Southland Sharks Ball Carrier Competition 2024 ARCHIVED | Effective 16 May 2024 | Download PDF |
| SBS Visa Credit Card Special Offer ARCHIVED | Download PDF | |
| SBS Valentine’s Day Facebook Promotion ARCHIVED | Download PDF | |
| SBS 12 Days of Christmas Hamper Prize Draw ARCHIVED | Download PDF | |
| SBS Bank Debit Mastercard Christmas Prize Draw ARCHIVED | Download PDF | |
| SBS Lite Charity Promotional Terms and Conditions ARCHIVED | Download PDF | |
| FLIX Terms and Conditions ARCHIVED | Effective 1 Apr 2022 | Download PDF |
| FLIX Terms and Conditions ARCHIVED | Effective 1 Oct 2022 | Download PDF |
| Grate Cash Offer Terms and Conditions ARCHIVED | Effective 8 May 2021 | Download PDF |
| SBS Southland Charity Hospital Offer Terms and Conditions ARCHIVED | Download PDF | |
| SBS Lite Get $50 Offer - Terms and Conditions ARCHIVED | Download PDF | |
| SBS Lite Get $100 Offer - Terms and Conditions ARCHIVED | Download PDF | |
| Double Cash Back Terms and Conditions ARCHIVED | Download PDF |
Competition Offers Terms and Conditions
| Title | Date | Download |
| SBS Bank 2024 New Zealand Open Pro-Am Prize Terms and Conditions ARCHIVED | Download PDF | |
| SBS Highlanders Ticket Giveaway ARCHIVED |
Download PDF | |
| SBS Bank Kick for Cash ARCHIVED | Download PDF |