General Terms and Conditions
| General Terms and Conditions (including our Privacy Statement in Section 12) | |
|---|---|
| Website Terms of Use | |
| Effective 26 May 2023 | |
| Download PDF (248KB PDF) | Download PDF (426KB PDF) |
| General Terms and Conditions (including our Privacy Statement in Section 12) | Effective 26 May 2023 | Download PDF (248KB PDF) |
| Website Terms of Use | Download PDF (426KB PDF) |
I.D. and Address Verification Requirements
| Identification and Address Verification Requirements (individual) | |
|---|---|
| Identification and Address Verification Requirements (organisations not-for-profit) | |
| Download PDF (526KB PDF) | Download PDF (419KB PDF) |
| Company Identification Requirements | |
| Download PDF (526KB PDF) | Download PDF (426KB PDF) |
| Partnerships Identification Requirements | |
| Download PDF (526KB PDF) | Download PDF (416KB PDF) |
| Trust Identification Requirements | |
| Download PDF (526KB PDF) | Download PDF (436KB PDF) |
| Children’s Identification Requirements | |
| Download PDF (526KB PDF) | Download PDF (528KB PDF) |
| SBS Verify Privacy Policy | |
| Effective 26 Jun 2024 | |
| Download PDF (526KB PDF) | Download PDF (112KB PDF) |
| Identification and Address Verification Requirements (individual) | Download PDF (526KB PDF) | |
| Identification and Address Verification Requirements (organisations not-for-profit) | Download PDF (419KB PDF) | |
| Company Identification Requirements | Download PDF (426KB PDF) | |
| Partnerships Identification Requirements | Download PDF (416KB PDF) | |
| Trust Identification Requirements | Download PDF (436KB PDF) | |
| Children’s Identification Requirements | Download PDF (528KB PDF) | |
| SBS Verify Privacy Policy | Effective 26 Jun 2024 | Download PDF (112KB PDF) |
AEOI and CRS foreign tax residency information
| AEOI - Your Obligations - IRD Introduction | |
|---|---|
| New Zealand IRD Tax Residency | |
| Download PDF | Download PDF |
| Foreign Tax Certification Form Organisations | |
| Download PDF | Download PDF (228KB PDF) |
| Foreign Tax Certification Form Personal | |
| Download PDF | Download PDF (156KB PDF) |
| AEOI - Your Obligations - IRD Introduction | Download PDF | |
| New Zealand IRD Tax Residency | Download PDF | |
| Foreign Tax Certification Form Organisations | Download PDF (228KB PDF) | |
| Foreign Tax Certification Form Personal | Download PDF (156KB PDF) |
There are no archived versions of our AEOI and CRS foreign tax residency information documents.
Lending Standard Contract Terms
Reverse Equity Mortgages
| SBS Unwind Loan Terms and Conditions | |
|---|---|
| SBS Unwind Loan Schedule | |
| Effective 1 May 2020 | Effective 1 May 2020 |
| Download PDF (202KB PDF) | Download PDF (55KB PDF) |
| Standard contract terms SBS Advance Term Loan | |
| Effective 1 May 2020 | |
| Download PDF (202KB PDF) | Download PDF (842KB PDF) |
| Memorandum of Mortgage | |
| Effective 1 May 2020 | |
| Download PDF (202KB PDF) | Download PDF (724KB PDF) |
| SBS Unwind Loan Terms and Conditions | Effective 1 May 2020 | Download PDF (202KB PDF) |
| SBS Unwind Loan Schedule | Effective 1 May 2020 | Download PDF (55KB PDF) |
| Standard contract terms SBS Advance Term Loan | Download PDF (842KB PDF) | |
| Memorandum of Mortgage | Download PDF (724KB PDF) |
All Other Mortgage Lending
| Flexi Loan Schedule | |
|---|---|
| Term Loan Schedule | |
| Download PDF (219KB PDF) | Download PDF (235KB PDF) |
| Loan Terms and Conditions | |
| Effective 10 February 2025 | |
| Download PDF (219KB PDF) | Download PDF (766KB PDF) |
| Memorandum of Mortgage | |
| Download PDF (219KB PDF) | Download PDF (724KB PDF) |
| Flexi Loan Schedule | Download PDF (219KB PDF) | |
| Term Loan Schedule | Download PDF (235KB PDF) | |
| Loan Terms and Conditions | Effective 10 February 2025 | Download PDF (766KB PDF) |
| Memorandum of Mortgage | Download PDF (724KB PDF) |
FirstHome Combo Terms and Conditions
| FirstHome Combo Terms and Conditions |
|---|
| FirstHome Combo Terms and Conditions | Effective 7 Dec 2024 | Download PDF (139KB PDF) |
Everyday Banking Terms and Conditions
| Debit MasterCard® Terms and Conditions | |
|---|---|
| Debit MasterCard® ID Check Terms and Conditions | |
| Effective 18 Apr 2024 | Effective 21 Jul 2020 |
| Download PDF (213KB PDF) | Download PDF (143KB PDF) |
| Eftpos Card Terms and Conditions | |
| Effective 18 Apr 2024 | Effective 12 Apr 2019 |
| Download PDF (213KB PDF) | Download PDF (273KB PDF) |
| Debit MasterCard® Terms and Conditions | Effective 18 Apr 2024 | Download PDF (213KB PDF) |
| Debit MasterCard® ID Check Terms and Conditions | Effective 21 Jul 2020 | Download PDF (143KB PDF) |
| Eftpos Card Terms and Conditions | Effective 12 Apr 2019 | Download PDF (273KB PDF) |
Online Banking Terms and Conditions
| Electronic Banking Terms and Conditions |
|---|
| Electronic Banking Terms and Conditions | Effective 28 Nov 2024 | Download PDF (375KB PDF) |
Investment Terms and Conditions
| Term Investment Terms & Conditions |
|---|
| Term Investment Terms & Conditions | Effective 1 Dec 2016 | Download PDF (67KB PDF) |
There are no archived versions of our Investment Terms and Conditions.
Credit Card Terms and Conditions and Documents
| SBS Visa Credit Card Conditions of Use | |
|---|---|
| SBS Pink Ribbon Visa Credit Card Conditions of Use (product no longer available) | |
| Download PDF (675KB PDF) | Download PDF (645KB PDF) |
| SBS Visa Credit Card Conditions of Use | Download PDF (675KB PDF) | |
| SBS Pink Ribbon Visa Credit Card Conditions of Use (product no longer available) | Download PDF (645KB PDF) |
Promotions and Offers Terms and Conditions
There are no current terms and conditions for promotions and offers.
Competition Offers Terms and Conditions
| 2024 SBS Bank Tour of Southland Banner Competition Terms and Conditions | |
|---|---|
| SBS Bank 24/25 New Zealand Open Pro-Am Prize Terms and Conditions | |
| Effective Oct 2024 | Effective Nov 2024 |
| Download PDF (152KB PDF) | Download PDF (176KB PDF) |
| 2024 SBS Bank Tour of Southland Banner Competition Terms and Conditions | Effective Oct 2024 | Download PDF (152KB PDF) |
| SBS Bank 24/25 New Zealand Open Pro-Am Prize Terms and Conditions | Effective Nov 2024 | Download PDF (176KB PDF) |