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

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Business overdraft base rate changes

Effective from 23 October 2026

Our business overdraft base rates are increasing.

1. Some loan products describe our business overdraft base rate as a ‘Business Prime’.

Your business overdraft interest rate comprises a base rate plus a margin. That interest rate applies to the amount outstanding up to your limit. Your base rate could be our business overdraft base rate listed above, or our Market Connect overdraft base rate. Your facility agreement lists your applicable base rate and margin.

An excess rate applies to amounts that exceed your overdraft limit. For Market Connect overdrafts, the excess rate is our Market Connect overdraft base rate plus 8.00% p.a. For all other Business transaction accounts, the excess rate is our business overdraft base rate plus 10.00% p.a.

An unarranged overdraft rate applies to amounts that overdraw your account without an arranged overdraft in place. These are the same as our excess rates.

An overdraft facility fee or unarranged overdraft fee applies to your arranged overdraft limit or the actual debit balance, whichever is greater. We debit that fee after each  bank month ends.

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

Changes to our Merchant Service Guide

Effective from 5 November 2026

We’re updating our Merchant Service Guide to reflect changes to our products and make information about accepting and processing payments clearer.

The changes include:

updating the names of some BNZ merchant products
removing information about CurrencySelect EFTPOS and UnionPay online payments
improving guidance on digital and mobile payments, refunds, surcharging and pre-authorisations
updating 3D Secure, security, fraud prevention and chargeback guidance
clarifying information about Payap and Alipay+ payments
making other wording and terminology changes to improve clarity and consistency.

The updated Merchant Service Guide takes effect from 5 November 2026.

View the current BNZ Merchant Service Guide (PDF 1MB).

View the updated BNZ Merchant Service Guide (PDF 1MB), effective from 5 November 2026.

For more information, contact your relationship manager or call 0800 737 774.

CashFlow Plus base rate change

Effective from 15 October 2026

Our CashFlow Plus base rate is increasing.

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 account interest rate change

Effective from 30 September 2026

The credit interest rates for our Rapid Save and Business First OnCall 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.

Purchasing cards and FlexiPurchase fee changes

Effective from 1 October 2026, for statements with an opening date on or after October 1 2026

We’re making changes to our Business and Agribusiness account and services fee guide to increase certain account fees on page 5.

As set out below, the changes include:

increasing our card fees for Purchasing cards
increasing our usage fee charges for FlexiPurchase and ePurchasing.

Fees are subject to change.
View the current Business and Agribusiness account and services fees guide (PDF 145KB).
View the updated Business and Agribusiness account and services fees guide (PDF 138KB), effective from 1 October 2026.
If you need more information or would like the full fee changes for FlexiPurchase applicable to you, contact your relationship manager, or call us on 0800 275 269.

Changes to Standard terms and conditions, personal fees, and business fees

Effective from 1 October 2026

We’re making changes to our BNZ Standard terms and conditions, Personal account, service, and facility fees guide, and Business and Agribusiness account and service fees guide.

BNZ Standard terms and conditions

The changes include:

deleting clause 14.1 on page 18, to remove the requirement to sign a Flexi Debit Visa card
updating clause 14.2 (was 14.3) on page 18, to remove the requirement to hand over a Flexi Debit Visa card to a retailer who asks to retain it
updating clause 14.7 (was 14.8) on page 19, to add our ability to block and replace a Flexi Debit Visa card for security and fraud prevention, and the requirement to destroy a blocked card
adding a new clause 15.7 on page 25, to describe how our Eftpos cards expire and are reissued
correcting minor typographical errors, and making other clarifying or formatting changes

View the current BNZ Standard terms and conditions (PDF 296KB).

View the updated BNZ Standard terms and conditions (PDF 247KB), effective from 1 October 2026.

Personal account, service, and facility fees guide

The changes include removing references on pages 4 and 10 to our NetGuard token used for internet banking.

View the current Personal account, service, and facility fees guide (PDF 126KB).

View the updated Personal account, service, and facility fees guide (PDF 98KB), effective from 1 October 2026.

Business and Agribusiness account and service fees guide

The changes include:

increasing the card fees for our BNZ Purchasing card on page 5
increasing the usage fees for our BNZ FlexiPurchase and ePurchasing cards on page 5.

These updated fees will apply to statements with an opening date on or after 1 October 2026.

View the current Business and Agribusiness account and service fees guide (PDF 145KB).

View the updated Business and Agribusiness account and service fees guide (PDF 138KB), effective from 1 October 2026.

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

ProjectPlus Facility excess rate change

Effective from 1 October 2026

We’re increasing our ProjectPlus Facility excess rate as follows.

Your statement shows your most recent ProjectPlus Facility’s excess rate. View our current business rates and fees.

The ProjectPlus Facility excess rate applies to any amount that exceeds your limit. You must pay these amounts immediately.

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

Our variable (floating) home loan interest rates are changing

Effective from 17 September 2026

Our variable (floating) home loan interest rates for new and existing customers are increasing 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.

CashFlow Plus base rate change

Effective from 15 September 2026

Our CashFlow Plus base rate is increasing.

1. Changes to BNZ credit card Terms and Conditions

Effective from 1 October 2026

We’re making changes to our BNZ credit card terms and conditions.

The changes include:

amending clauses 2.12 and 4.1 to remove any requirement for you or an additional cardholder to sign their Cards once received;
amending clause 4.10 to add that we may block and replace your Card for security and fraud prevention. Also clarifying that once you receive a replacement Card following expiry or under clause 4.10, you will need to destroy your original Card (if you have it);
adding new clause 4.11 to clarify how a Card expires and is reissued;
amending clause 9.6 to clarify when a fee for a replacement Card may apply;
adding a further event to the Key Contact Information on page 15, for customers to contact us about requesting a replacement Card; and
making consequential numbering updates.

View the current terms and conditions (222KB).

View the updated terms and conditions (223KB), effective from 1 October 2026.

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

2. Changes to our BNZ Business First™, Purchasing and ePurchasing Visa cards Terms and Conditions

Effective from 1 October 2026

We’re making changes to our BNZ Business First™, Purchasing and ePurchasing Visa cards terms and conditions.

The changes include:

amending clause 2.1 to remove the requirement for a cardholder to sign their Card once received;
amending clause 2.4 to add that we may block and replace your Card for security and fraud prevention. Also clarifying when a fee for a replacement Card may apply;
replacing clause 2.6 (not applicable to ePurchasing Cards) to clarify how a physical Card expires and is reissued;
amending clause 2.9.2 to add an option for a cardholder to select or change a PIN for the Card in the BNZ app for the cardholder; and
amending clause 14.1(a) to update BNZ’s phone number to call for enquiries related to these Cards to 0800 269 763.

View the current terms and conditions (197KB).

View the updated terms and conditions (196KB), effective from 1 October 2026.

For more information, visit any BNZ branch or call us on 0800 269 763.

Update to your BNZ Advantage Visa Platinum and Advantage Visa Business Card travel insurance

From 1 October 2026, the underwriter of the travel insurance available to eligible BNZ Advantage Visa Platinum and BNZ Advantage Visa Business cardholders will change.

New underwriter

Currently, AIG Insurance New Zealand Limited (AIG) underwrites the travel insurance provided with your BNZ Advantage Visa Platinum or BNZ Advantage Visa Business card.

From 1 October 2026, Zurich Australian Insurance Limited, incorporated in Australia, ACN 000 296 640 trading as Zurich New Zealand (“Zurich New Zealand”) will underwrite that travel insurance.

More about Zurich

Zurich is one of the largest travel insurers globally. Zurich New Zealand has an AA- (Very Strong) insurer financial strength rating given by Standard & Poor’s (Australia) Pty Ltd. This rating may change from time to time – you can confirm the current rating at zurich.co.nz/about/financial-strength. A full description of the rating scale is available on Standard & Poor’s website.

An overseas policyholder preference applies. Under Australian law, if Zurich New Zealand is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on Zurich New Zealand’s Australian assets to satisfy New Zealand liabilities. For more information on Zurich New Zealand, including their Privacy Statement and their processes for complaints and feedback, please refer to the updated policy wording.

Who provides your insurance

The Travel insurance is provided to BNZ Advantage Visa Platinum and Advantage Visa Business cardholders by Zurich New Zealand (“Insurer”) under an agreement with BNZ. BNZ does not underwrite the insurance, is not an agent of the Insurer, and does not guarantee the obligations of the Insurer. Zurich New Zealand may engage affiliated entities including within the Zurich Insurance Group to provide services in support of this insurance.

Changes to your policy wording

New policy wording will be effective from 1 October 2026 to reflect these changes. The new policy wording includes updates to three Policy Benefits:

Benefit Section C: Repatriation of mortal remains or funeral at place of death – sum insured increased from $20,000 to $30,000 (only for persons under 75 years of age).
Benefit Section F: Luggage –sublimit for any one item increased from $2,000 to $3,000.
Benefit Section G: Overseas rental vehicle hire – sum insured increased from $5,000 to $8,000 per journey.
In addition, Section N, Multi-night cruise cover has been updated to reflect changes to the cover and exclusions that apply to cruises with both domestic and international port stops.

Where to find the policy documents

View the current policy documents (underwritten by AIG Insurance New Zealand Limited).

The updated policy documents (underwritten by Zurich New Zealand), effective from 1 October 2026, will be available from mid-September for BNZ Advantage Visa Platinum and BNZ Advantage Visa Business cardholders. Existing cardholders will receive a separate communication about the changes in mid-September and will have access to the new policy wording at that time.

Need help or have questions?

If you have any questions about these updates, or any other aspect of your travel insurance, visit the BNZ Travel portal on www.bnztravel.co.nz or call the BNZ Travel Team, managed by Zurich New Zealand, on 0800 269 872 (8am-6pm, Monday to Friday).

Changes to our Merchant Agreement Master Terms and Conditions

Effective from 1 October 2026

We’re updating the BNZ Merchant Agreement Master Terms and Conditions to replace references to BNZ Pay with its new name, BNZ Pay Mobile.

View the current BNZ Merchant Agreement Master Terms and Conditions (PDF 203KB).

View the updated BNZ Merchant Agreement Master Terms and Conditions (209KB), effective from 1 October 2026.

For more information, contact your relationship manager or call 0800 737 774.

Changes to BNZ PayClip Terms and Conditions

Effective from 1 October 2026

We’re making some changes to our BNZ PayClip Terms and Conditions. This is to reflect the new product name, BNZ Pay Portable EFTPOS.

The changes include:

changing the name to BNZ Pay Portable EFTPOS Terms and Conditions
replacing references to PayClip with BNZ Pay Portable EFTPOS.

View the current BNZ PayClip Terms and Conditions (PDF 59KB).

View the updated BNZ Pay Portable EFTPOS Terms and Conditions (PDF 63KB), effective from 1 October 2026.

For more information, contact your relationship manager or call 0800 737 774.

Savings account interest rate change

Effective from 21 August 2026

The credit interest rate for our Rapid Save account is changing for new and existing customers.

CashFlow Plus base rate change

Effective from 17 August 2026

Our CashFlow Plus base rate is increasing.

Savings account interest rate change

Effective from 31 July 2026

The credit interest rate for our Business First OnCall account is 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.

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

Changes to Client Fund Service terms and conditions

Effective from 3 August 2026

We currently offer call accounts through Client Fund Service (CFS), our online deposit management platform.

From 3 August 2026:

we’ll also be offering CFS term deposits through an offline (manual) service,
all withdrawals from CFS client accounts must be credited to the CFS account holder’s clearing account, and
we’re updating our CFS terms to reflect these changes, along with other minor amendments.

View the current Client Fund Service terms and conditions (PDF 259KB).

View the updated Client Fund Service terms and conditions (PDF 397KB), effective from 3 August 2026.

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

Our variable (floating) home loan interest rates are changing

Effective from 29 July 2026

Our variable (floating) home loan interest rates for new and existing customers are increasing as indicated below.

Changes to Standard terms and conditions

Effective from 21 July 2026

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

The changes include:

adding a further scenario to the Key Information section on page 2, for customers contacting us about their Flexi Debit Visa or Eftpos card
adding new clause 14.9 on page 19, to clarify how our Flexi Debit Visa card expires and is reissued
altering the clause currently numbered 14.25 on page 21, now to be numbered 14.26, to add description of how daily transaction limits may vary for Flexi Debit Visa cards and how to find out the current daily transaction limits applicable to Flexi Debit Visa cards
correcting minor typographical errors, and making other clarifying or formatting changes.

View the current BNZ Standard terms and conditions (PDF 296KB).

View the updated BNZ Standard terms and conditions (PDF 287KB), effective from 21 July 2026.

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

CashFlow Plus base rate change

Effective from 15 July 2026

Our CashFlow Plus base rate is increasing.

Changes to our Merchant Agreement Master Terms and Conditions

Effective from 9 July 2026

We’re changing the BNZ Merchant Agreement Master Terms and Conditions.

The changes include:

Adding new clauses 3.11 and 3.12 for BNZ Pay and making related changed by defining Apple, amending the definition of relevant law, and amending clauses 19.3 and 28.9.
Correcting minor typographical errors and making other clarifying or formatting changes.

View the current BNZ Merchant Agreement Master Terms and Conditions (PDF 174KB).

View the updated BNZ Merchant Agreement Master Terms and Conditions (PDF 182KB), effective from 9 July 2026.

For more information, contact your relationship manager or call 0800 737 774.