General Terms and Conditions
General Terms and Conditions (including our Privacy Statement in Section 12) - effective 26 May 2023 > Download PDF
General Terms and Conditions (including our Privacy Statement in Section 8) - effective 1 December 2020 > Download PDF
General Terms and Conditions (including our Privacy Statement in Section 8) - effective to 30 November 2020 > 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 > Download PDF
SBS Verify Terms and Conditions > Download PDF
AEOI and CRS foreign tax residency information
AEOI - Your Obligations - IRD Introduction > View Page
New Zealand IRD Tax Residency > View Page
Foreign Tax Certification Form Organisations > Download PDF
Foreign Tax Certification Form Personal > Download PDF
Lending Standard Contract Terms
Reverse Equity Mortgages
SBS Unwind Loan Terms and Conditions > Download PDF
SBS Unwind Loan Schedule > 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 > Download PDF
Memorandum of Mortgage > Download PDF
Everyday Banking Terms and Conditions
Debit MasterCard® Terms and Conditions (Effective 21 July 2020) > Download PDF
Eftpos Card Terms and Conditions (Effective 12 April 2019) > Download PDF
Telephone Banking Terms and Conditions (Effective 26 May 2023) > Download PDF
Telephone Banking Terms and Conditions > Download PDF
Get25 Terms and Conditions > Download PDF
Online Banking Terms and Conditions
Electronic Banking Terms and Conditions (Effective 26 May 2023) > Download PDF
Electronic Banking Terms and Conditions (Effective 10 July 2019) > Download PDF
Electronic Banking Terms and Conditions (Effective 26 May 2023 for i-bank users) > 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
Customer Satisfactory Survey Terms and Conditions - July 2023 >Download PDF
Southland Sharks Ball Carrier Competition > Download PDF
SBS Visa Credit Card Special Offer > Download PDF
SBS Valentine's Day Facebook Promotion > Download PDF
SBS 12 Days of Christmas Hamper Prize Draw > Download PDF
SBS Bank Debit Mastercard Christmas Prize Draw > Download PDF
SBS Visa Card Cash Back Terms and Conditions > Download PDF
FirstHome Combo Terms and Conditions (Effective 2 August 2021) > Download PDF
FirstHome Combo Terms and Conditions (Effective 17 August 2023) > Download PDF
FirstHome Combo Terms and Conditions (Effective 11 November 2023 ) > Download PDF
SBS Lite Charity Promotional Terms and Conditions > Download PDF
FLIX Terms and Conditions (Effective 1 April 2022 to 30 September 2022) > Download PDF
FLIX Terms and Conditions (Effective 1 October 2022 to 30 September 2023) > Download PDF
Grate Cash Offer Terms and Conditions (Effective 8 May 2021 to 31 July 2021) > Download PDF
SBS Southland Charity Hospital Offer Terms and Conditions > Download PDF
SBS Bank Pink Ribbon Visa Walk Terms and Conditions > Download PDF
SBS Lite Get $50 Offer - Terms and Conditions > Download PDF
SBS Lite Get $100 Offer - Terms and Conditions > Download PDF
Double Cash Back Terms and Conditions - Download PDF
Competition Offers Terms and Conditions
SBS Highlanders Ticket Giveaway > Download PDF
SBS Bank Kick for Cash > Download PDF