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

Childrens 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 > Download PDF

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 > Download PDF

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

STAR Prize Draw Terms and Conditions (Effective 29 July 2020) >Download PDF

Get25 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 

SBS Bank Rugby Southland Kids Membership Offer (Effective 28 August 2020) > Download PDF

FLIX Terms and Conditions (Effective 27 June 2020) > Download PDF

Grate Cash Offer Terms and Conditions (Effective from 22 February 2020 to 31 March 2020) Download PDF

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


Competition Offers Terms and Conditions 

SBS Bank Member Photography Competition > Download PDF

SBS Bank Member Photography Competition Entry Form > Download PDF

SBS Bank Matariki Kids Colouring Competition > Download PDF

SBS Bank Facebook Heart in Banking Competition > Download PDF

SBS Bank Facebook Valentine’s Day $500 Prezzy Card Prize Draw > Download PDF

SBS Bank Southern Field Days Hamper Prize Draw > Download PDF