terms and conditions

General Terms and Conditions

General Terms and Conditions (including our Privacy Statement in Section 8) > Download PDF (180 KB)

Website Terms of Use > Download PDF (157 KB)

I.D and Address Verification Requirements

Identification and Address Verification Requirements (individual) > Download PDF (236 KB)

Identification and Address Verification Requirements (organisations) > Download PDF (267 KB)

SBS Verify Privacy Policy > Download PDF (484 KB)

SBS Verify Terms and Conditions > Download PDF (464 KB)

AEOI and CRS foreign tax residency information

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

Banking Terms and Conditions

Debit MasterCard® Terms and Conditions (Effective 1 July 2016) > Download PDF (191KB)

Eftpos Card Terms and Conditions (Effective 23 November 2015) > Download PDF (685KB)

Eftpos Card Terms and Conditions (Effective 12 April 2019) > Download PDF (147 KB)

Electronic Banking changes notice – July 2019 > Download PDF (188KB) 

Electronic Banking Terms and Conditions - (Effective 10 July, 2019) > Download PDF (350 KB)

Electronic Banking Terms and Conditions (Effective 10 July 2019 for i-bank users) Download PDF (305 KB)

Telephone Banking Terms and Conditions > Download PDF (151 KB)

Cheque Terms and Conditions (Effective 1 July 2014) > Download PDF (155KB)

Lending Standard Contract Terms

Retirement Loans

Memorandum of Mortgage > Download PDF (542KB) 

All Other Mortgage Lending

Flexi Loan Schedule > Download PDF (169KB)

Term Loan Schedule > Download PDF (157KB)

Loan Terms and Conditions > Download PDF (457KB)

Memorandum of Mortgage > Download PDF (542KB) 

Other Banking Terms and Conditions

Term Investment Terms & Conditions (Effective 1 December 2016) > Download PDF (104KB)