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 (416 KB)

Identification and Address Verification Requirements (entities) > Download PDF (437 KB)

AEOI and CRS foreign tax residency information

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

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)

Electronic Banking Terms and Conditions > Download PDF (211 KB)

Electronic Banking Terms and Conditions (Effective 11 August 2013 for i-bank users) Download PDF (211 KB)

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

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

Lending Terms and Conditions

Flexi Loan Schedule > Download PDF (169KB)

Memorandum of Mortgage > Download PDF (542KB) 

Term Loan Schedule > Download PDF (157KB)

Loan Terms and Conditions > Download PDF (457KB)

Your First Home Offer Terms and Conditions (Effective 10 October 2016) > Download PDF (192KB)

Standard contract terms SBS Advance Term Loan > Download PDF (200KB) 

Other Banking Terms and Conditions

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