Terms and conditions

General Terms and Conditions

General Terms and Conditions (including our Privacy Statement in Section 8) > 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) > Download PDF

SBS Verify Privacy Policy > Download PDF

SBS Verify Terms and Conditions > Download PDF
 

AEOI and CRS foreign tax residency information

AEOI - Your Obligations - IRD Introduction > Download PDF
New Zealand IRD Tax Residency > View Page

Lending Standard Contract Terms 

Reverse Equity Mortgages

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 > Download PDF 

Memorandum of Mortgage > Download PDF

Everyday Banking Terms and Conditions

Debit MasterCard® Terms and Conditions (Effective 1 July 2016) > Download PDF

Eftpos Card Terms and Conditions (Effective 12 April 2019) > Download PDF

Telephone Banking Terms and Conditions > Download PDF

Cheque Terms and Conditions (Effective 1 October 2019) > Download PDF

STAR Prize Draw Terms and Conditions >Download PDF

Kiwidream Terms and Conditions > Download PDF

Online Banking Terms and Conditions

Electronic Banking Terms and Conditions - (Effective 10 July, 2019) > Download PDF

Electronic Banking Terms and Conditions (Effective 10 July 2019 for i-bank users) Download PDF

Investment Terms and Conditions

Term Investment Terms & Conditions (Effective 1 December 2016) > Download PDF 

Credit Card Terms and Conditions and Documents

SBS Visa Credit Card Conditions of Use >Download PDF

Promotion and Offer Terms and Conditions 

Grate Cash Offer Terms and Conditions (Effective 21 October 2019) Download PDF

First Home Loan Offer Terms and Conditions (Effective August 2019) > Download PDF

Hohepa Trust Offer Terms and Conditions > Download PDF

Competition Offers Terms and Conditions 

SBS Bank Facebook Heart in Banking Competition Download PDF