Public notices

If you need more information on any of these notices please visit your local BNZ branch or phone 0800 275 269.

View Financial Markets Authority (FMA) notices

CashFlow Plus base rate change

Effective from 17 June 2025

Our CashFlow Plus base rate is decreasing.
Your CashFlow Plus interest rate comprises a base rate plus a margin. It applies to the amount outstanding up to your limit. Your margin is stated in your facility agreement.

The CashFlow Plus excess rate applies to amounts that exceed your limit. This is the CashFlow Plus base rate plus 8.00% p.a.

Rates are subject to change. If you need more information, please phone 0800 275 269.

Savings and transactional account interest rate changes

Effective from 30 May 2025

Credit interest rates for our Rapid Save, Business First OnCall, and Non-Profit Organisation accounts are changing for new and existing customers.
Interest rates are subject to change. Full details and Standard Terms and Conditions may be obtained from any BNZ branch or on our website.

If you require more information, please phone 0800 275 269.

Our variable (floating) home loan interest rates are changing

Effective from 4 June 2025

Our variable (floating) home loan interest rates for new and existing customers are decreasing as indicated below.
Interest rates are subject to change. Full details, and a copy of our current disclosure statement may be obtained from any BNZ branch or Partners Centre, or on our website. For more information, please phone 0800 275 269.

Changes to our Standard terms and conditions

Effective from 10 June 2025

We’re making changes to our Standard terms and conditions.

The changes include:

  • adding a new clause between clauses currently numbered 3.11 and 3.12 on page 9, to describe how we can now keep your account safer from suspicious transactions
  • updating clauses currently numbered 3.12 to 3.20 on pages 9 and 10, to adjust for the new clause above.

View the current BNZ Standard terms and conditions (PDF 290KB).

View the updated BNZ Standard terms and conditions (PDF 296KB), effective from 10 June 2025.

For more information, visit any BNZ branch or call us on 0800 275 269.

Changes to our Internet Banking and Internet Banking for Business terms and conditions 

Effective from 10 June 2025

We’re making changes to our Internet Banking and Internet Banking for Business terms and conditions. The changes describe how we can keep your account safer from suspicious transactions.

Internet Banking

  • adding a new clause, “5.7 Suspicious Payments: We can delay of block payments from an Account without telling you first, where we suspect the instructions are unauthorised, forged, or fraudulent. We will try to contact you if we need further information or if the payment is blocked.”
  • renumbering clauses after clause 5.7.

Internet Banking for Business

  • adding a new clause “6.3 The Bank, in its absolute discretion and without telling you first, may delay or refuse to give effect to an Account Payable Request where the Bank suspects an Account Payable Request is unauthorised, forged, or fraudulent. The Bank will use reasonable endeavours to contact you if we need further information or if the Account Payable Request is refused.”
  • renumbering clauses after clause 6.3.

For more information, visit any BNZ branch or call us on 0800 275 269.

CashFlow Plus base rate change

Effective from 15 May 2025

Our CashFlow Plus base rate is decreasing.
Your CashFlow Plus interest rate comprises a base rate plus a margin. It applies to the amount outstanding up to your limit. Your margin is stated in your facility agreement.

The CashFlow Plus excess rate applies to amounts that exceed your limit. This is the CashFlow Plus base rate plus 8.00% p.a.

Rates are subject to change. If you need more information, please phone 0800 275 269.

Savings and transactional account interest rate changes

Effective from 30 April 2025

Credit interest rates for our Rapid Save, Business First OnCall, and Non-Profit Organisation accounts are changing for new and existing customers.
Interest rates are subject to change. Full details and Standard Terms and Conditions may be obtained from any BNZ branch or on our website.

If you require more information, please phone 0800 275 269.

Our variable (floating) home loan interest rates are changing

Effective from 16 April 2025

Our variable (floating) home loan interest rates for new and existing customers are decreasing as indicated below.
Interest rates are subject to change. Full details, and a copy of our current disclosure statement may be obtained from any BNZ branch or Partners Centre, or on our website. For more information, please phone 0800 275 269.

Changes to Alipay Letter of Offer

Effective from 8 May 2025

We’re making changes to our Letter of Offer for the provision of Alipay merchant services to reflect the expansion of the Alipay services. The changes include:

  • updating references from Alipay to Alipay+
  • expanding the definition of the Alipay+ services and related changes
  • adding details of the Alipay entity
  • adding a license to use certain intellectual property
  • correcting minor typographical errors and making other clarifying or formatting changes.

For full details, view the changes to the Alipay Letter of Offer (PDF 75KB). 

For more information, call us on 0800 737 774.

Introduction of BNZ Rewards programme terms and conditions and changes to BNZ credit card terms and conditions 

Effective from 7 May 2025

We’re expanding the BNZ Rewards programme to all eligible BNZ personal customers, including those who have no BNZ Advantage credit card. To reflect this change, we are:  

  • introducing a new separate BNZ Rewards programme terms and conditions
  • updating our BNZ credit card terms and conditions.

BNZ Rewards programme

The BNZ Rewards programme terms and conditions apply to all BNZ customers who meet the eligibility criteria for the BNZ Rewards programme. To be eligible for the BNZ Rewards programme, you must be an individual person, 18 years or older, own a BNZ account in your personal capacity, and meet all our current identity verification requirements.  

If you do not wish to participate in the BNZ Rewards programme, you can opt out at any time.

  • Follow the prompts in the BNZ app or Internet Banking. 
  • Email us at RewardsQueries@bnz.co.nz
  • Call us on 0800 275 269 from New Zealand or +64 4 931 2809 from overseas. 

View the new BNZ Rewards programme terms and conditions (PDF 86KB), effective from 7 May 2025.

BNZ credit card terms and conditions

The changes to our BNZ credit card terms and conditions include:

  • moving all details about rewards from our BNZ credit card terms and conditions to our BNZ Rewards programme terms and conditions — except details about BNZ Advantage customers earning BNZ Points on Eligible Purchases (clause 6) 
  • stating legal details about our BNZ Advantage Visa Business Card in the ‘Important Information’ section and clause 18.2, including that:
    • your BNZ Advantage Visa Business Card must be used wholly for business or investment purposes (or both)
    • your BNZ Advantage Visa Business Card is a ‘commercial credit payment product’ for the purposes of the Retail Payment System Act 2022
  • updating the address for the Banking Ombudsman
  • including a new definition for Business Days in clause 1.1
  • including contact information for Rewards queries, within the key contact information
  • correcting minor typographical errors and making formatting changes.

View the current BNZ credit card terms and conditions (PDF 251KB).

View the updated BNZ credit card terms and conditions (PDF 222KB), effective from 7 May 2025. 

For more information, visit any BNZ branch or call us on 0800 275 269.

Changes to personal and business fees

Effective from 29 April 2025

We’re making changes to some of our personal and business fees.

Personal account, service, and facility fees brochure

The changes include:

  • clarifying how we charge the withdrawal fee for our Rapid Save account – on page 2
  • removing the following fees from our security and loan documentation fees – on page 9:
    • Preparation of Deed of Lien 
    • Execution of Memorandum of Priority of Mortgage 
  • correcting minor typographical errors, and making other clarifying or formatting changes. 

View the current Personal account, service, and facility fees brochure (PDF 95KB). 

View the updated Personal account, service, and facility fees brochure (PDF 99KB), effective from 29 April 2025. 

Business and Agribusiness account and service fees guide

The changes include:

  • clarifying how we charge the withdrawal fee for our Rapid Save account – on page 2 
  • removing the details of our MyMoney for Business account, which is no longer available – on page 3 and page 6
  • adding the fee for Same Day Sweep transactions – on page 6
  • updating and clarifying our auditor’s confirmation report fee – on page 8
  • correcting minor typographical errors, and making other clarifying or formatting changes.

View the current Business and Agribusiness Account and service fees guide (PDF 137KB).

View the updated ​Business and Agribusiness Account and services fee guide (PDF 145KB), effective from 29 April 2025. 

For more information, visit any BNZ branch or call us on 0800 275 269.

CashFlow Plus base rate change

Effective from 15 April 2025

Our CashFlow Plus base rate is decreasing.
Your CashFlow Plus interest rate comprises a base rate plus a margin. It applies to the amount outstanding up to your limit. Your margin is stated in your facility agreement.

The CashFlow Plus excess rate applies to amounts that exceed your limit. This is the CashFlow Plus base rate plus 8.00% p.a.

Rates are subject to change. If you need more information, please phone 0800 275 269.

Changes to BNZ Merchant Service Guide

Effective from 19 April 2025

We’re making changes to our BNZ Merchant Service Guide.

The changes include:

  • updating the section ‘Recurring transactions and account on file transactions’
  • removal of references to Windcave payment gateway under ‘UnionPay Online Payments’
  • updating some references of Alipay wallet to Alipay+ payment platform, and addition of some supported wallets
  • other formatting changes.

View the current BNZ Merchant Service Guide (PDF 240KB).

View the updated BNZ Merchant Service Guide (PDF 783KB), effective from 19 April 2025.

For more information, visit any BNZ branch or call us on 0800 275 269.

Updates to our Master Privacy Policy

Effective from 31 March 2025

As part of an annual review of our Master Privacy Policy, we’re making some minor updates to improve transparency and reflect changes to our business, operating environment, and the products and services we offer. 

The changes include:

  • updating the marketing section to include ‘digital marketing’ 
  • adding information on ‘Confirmation of Payee’ data sharing between third parties 
  • updating how we partner with third parties to develop products and services
  • updating our mailing address. 

View the current Master Privacy Policy. 

For more information, visit any BNZ branch or call us on 0800 275 269.

CashFlow Plus base rate change

Effective from 17 March 2025

Our CashFlow Plus base rate is decreasing.
Your CashFlow Plus interest rate comprises a base rate plus a margin. It applies to the amount outstanding up to your limit. Your margin is stated in your facility agreement.

The CashFlow Plus excess rate applies to amounts that exceed your limit. This is the CashFlow Plus base rate plus 8.00% p.a.

Rates are subject to change. If you need more information, please phone 0800 275 269.

Changes to cash advance fees for personal credit cards

Effective from 25 March 2025

We’re making changes to when cash advance fees need to be paid for BNZ Advantage Visa Platinum, BNZ staff Advantage Visa Classic, and BNZ staff Advantage Visa Platinum credit cards.

Cash advance fees for the above cards will no longer be waived when the credit card account remains in credit after a cash advance has been made.

The fees outlined in the table below will be charged from 25 March 2025:
* This change also applies to JB Were employees that have a BNZ staff Advantage Visa Classic and/or a BNZ staff Advantage Visa Platinum credit card.

Fees are subject to change. BNZ credit card terms and conditions apply. If you need more information, please phone 0800 275 269.

Changes to our Standard terms and conditions

Effective from 17 March 2025

We’re making changes to our Standard terms and conditions.

The changes include:

  • clarifying that all mentions of our Flexi Debit Visa card also apply to our Flexi Debit for Business Visa card, in the:
    • key information section – on page 2
    • introduction to section 14 – on page 18
    • explanation in section 26 of ‘Flexi Debit Visa card’ – on page 37
  • clarifying how we calculate interest in clause 4.2 – on page 11 
  • updating when a term deposit accrues interest in clause 24.13 – on page 34 
  • explaining our Non-Profit Organisation account is no longer on sale, at the top of section 25 – on page 36 
  • correcting minor typographical errors, and making other clarifying or formatting changes.

View the current BNZ Standard terms and conditions (PDF 294KB).

View the updated BNZ Standard terms and conditions (PDF 290KB), effective from 17 March 2025.

For more information, visit any BNZ branch or call us on 0800 275 269.

Savings and transactional account interest rate changes

Effective from 28 February 2025

Credit interest rates for our Rapid Save, Business First OnCall, and Non-Profit Organisation accounts are changing for new and existing customers.
Interest rates are subject to change. Full details and Standard Terms and Conditions may be obtained from any BNZ branch or on our website.

If you require more information, please phone 0800 275 269.

Our variable (floating) home loan interest rates are changing

Effective from 26 February 2025

Our variable (floating) home loan interest rates for new and existing customers are decreasing as indicated below.
Interest rates are subject to change. Full details, and a copy of our current disclosure statement may be obtained from any BNZ branch or Partners Centre, or on our website. For more information, please phone 0800 275 269.

Changes to business fees guide

Effective from 21 February 2025

We’re making changes to our Business and Agribusiness Account and service fees guide.

The changes include:

  • moving the details of our Non-Profit Organisation account, which is no longer on sale, from page 1 to page 3
  • clarifying how we charge electronic and manual transaction fees for our Current Accounts, on page 2.

View the current Business and Agribusiness Account and service fees guide (PDF 146 KB). 

View the updated ​Business and Agribusiness Account and services fee guide (PDF 137KB), effective from 21 February 2025. 

For more information, visit any BNZ branch or call us on 0800 275 269.

CashFlow Plus base rate change

Effective from 17 February 2025

Our CashFlow Plus base rate is decreasing.
Your CashFlow Plus interest rate comprises a base rate plus a margin. It applies to the amount outstanding up to your limit. Your margin is stated in your facility agreement.

The CashFlow Plus excess rate applies to amounts that exceed your limit. This is the CashFlow Plus base rate plus 8.00% p.a.

Rates are subject to change. If you need more information, please phone 0800 275 269.