View NBS Term Investment and specific product interest rates here. Our fees are also transparent and listed below.
Interest rates and fees are subject to change.
NBS is not a registered bank.
About us
Interest Rates
& Fees
| Term Investment Rates | |
|---|---|
| 30 days | 0.80% p.a. |
| 90 days | 1.80% p.a. |
| 6 months | 2.85% p.a. |
| 9 months | 3.30% p.a. |
| 12 months | 4.00% p.a. |
| 24 months | 4.10% p.a. |
| 36 months | 4.35% p.a. |
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Interest rates are current from 3rd August 2022 and subject to change at any time without notice. If you make an early withdrawal, we will reduce the returns on the withdrawn funds by 2.00%; however your returns will not go below 0.05% p.a. NBS is not a registered bank. |
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| NBS Access Rates | |
|---|---|
| Interest paid on credit balances over $10,000 | 0.05% p.a. |
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Interest rates are subject to change. |
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| NBS Cheque Interest Rates - Personal | |
|---|---|
| Interest paid on credit balances over $10,000 | 0.05% p.a. |
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Interest Rates are subject to change. |
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| NBS Cheque Interest Rates - Business | |
|---|---|
| No interest paid on Business Cheque credit balances | 0.00% p.a. |
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Interest Rates are subject to change. |
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| NBS Cheque Interest Rates - Not for Profit | |
|---|---|
| Interest paid on credit balances over $5,000 | 0.05% p.a. |
| Interest paid on credit balances over $50,000 | 0.50% p.a. |
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Interest rates are subject to change. |
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| NBS Call Rates | |
|---|---|
| Interest rate applies to Personal, Business, Rural and Not for Profit Call Accounts | |
| NBS CALL - All credit balances | 0.75% p.a. |
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Interest rates are current from 10th May 2022 and subject to change. |
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| NBS Target Rates | |
|---|---|
| NBS TARGET - All credit balances | 0.25% p.a. |
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Interest rates are subject to change. |
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| NBS Home Loan Rates | |
|---|---|
| 1 Year Fixed | 5.55% p.a. |
| 2 Year Fixed | 6.15% p.a. |
| Variable | 6.95% p.a. |
| NBS Flexi Loan - Interest rates start from | 6.95% p.a. |
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Existing variable rate loans will increase on 12th September 2022. |
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| NBS Personal Loan Rates | |
|---|---|
| Interest rate range | 11.95%p.a. - 21.95% p.a. |
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Existing variable rate loans will increase on 12th September 2022. |
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| NBS Business Lending Rates | |
|---|---|
| Fixed interest rates start from | 6.55% p.a. |
| Variable and Flexi interest rates start from | 7.45% p.a. |
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Existing variable rate loans will increase on 12th September 2022.
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| NBS Call Fees | |
|---|---|
| Monthly Base Fee | None |
| Transfers via NBS Mobile or Internet Banking | 2 per month free |
| Subsequent Withdrawals | $5.00 |
| Automatic Payment, Direct Debit | N/A |
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Fees are subject to change. |
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| NBS Target Fees | |
|---|---|
| Monthly Base Fee | None |
| If your balance drops below $100 (during the month) | $5.00 |
| Transfers via NBS Mobile or Internet Banking | 1 per month free |
| Subsequent Withdrawals | $5.00 |
| Automatic Payment, Direct Debit | N/A |
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Fees are subject to change. |
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| Overdraft Fees | |
|---|---|
| Overdraft Establishment Fee - Arranged | $100.00 |
| Overdraft Facility Fee (Service Commitment) | 0.13% of the limit per month (minimum charge $5.00) |
| Unarranged Excess Fee | $25.00 |
| Default Interest Rate | 15.50% p.a above annual interest rate |
| Default Administration Fee | $45.00 per event |
| Insurance Arrears Payment | $25.00 |
| Rates Arrears Payment | $25.00 |
| Motor Vehicle Security Variation/Security Swap Fee | $30.00 |
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Fees are subject to change. |
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| NBS Residential Term, Residential Redraw, NBS Interest Only | |
|---|---|
| Loan Establishment Fee | From $450.00 |
| Loan Additional Funds | $250.00 |
| Interest Rate Review | $50.00 |
| Discharge Mortgage Fee | $50.00 |
| Default Interest Rate | 4.00% p.a. above annual interest rate |
| Default Administration Fee | $45.00 per event |
| Insurance Arrears Payment Fee | $25.00 |
| Rates Arrears Payment Fee | $25.00 |
| Motor Vehicle Security Variation/Security Swap Fee | $30.00 |
| Duplicate Statement Fee | $5.00 |
| Early Repayment Adjustment (Formula based calculation required CCCFA) | P.O.A |
| Early Repayment Administration Cost | $50.00 |
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Fees are subject to change. |
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| NBS Build Loan Fees | |
|---|---|
| Loan Establishment Fee | From $450.00 |
| Loan Additional Funds | $250.00 |
| Discharge Mortgage Fee | $50.00 |
| Default Interest Rate | 4.00% p.a. above annual interest rate |
| Default Administration Fee | $45 per event |
| Dishonour Fee | $30.00 |
| Insurance Arrears Payment Fee | $25.00 |
| Rates Arrears Payment Fee | $25.00 |
| Motor Vehicle Security Variation/Security Swap Fee | $30.00 |
| Duplicate Statement Fee | $5.00 |
| Interest Rate Review | $50.00 |
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Fees are subject to change. |
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| NBS Flexi Loan Fees | |
|---|---|
| EFTPOS Withdrawal | $0.50 |
| Other Bank ATM Transaction Fee | $1.50 |
| Manual Transactions: Include staff assisted branch transactions and Internet transactions | $0.50 |
| Loan Establishment Fee | From $450.00 |
| Loan Additional Funds | $250.00 |
| Discharge Mortgage Fee | $50.00 |
| Default Interest Rate | 4.00% p.a. above interest rate |
| Default Administration Fee | $45.00 per event |
| Dishonour Fee | $30.00 |
| Insurance Arrears Payment Fee | $25.00 |
| Rates Arrears Payment Fee | $25.00 |
| Motor Vehicle Security Variation/Security Swap Fee | $30.00 |
| Duplicate Statement Fee | $5.00 |
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Fees are subject to change. |
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| Kāinga Ora First Home Loan Fees | |
|---|---|
| Loan Establishment Fee | From $450.00 |
| Lenders Mortgage Insurance Premium | 1.00% of the loan amount |
| Interest Rate Review | $50.00 |
| Discharge Mortgage Fee | $50.00 |
| Default Interest Rate | 4.00% p.a. above annual interest rate |
| Default Administration Fee | $45.00 per event |
| Insurance Arrears Payment Fee | $25.00 |
| Rates Arrears Payment Fee | $25.00 |
| Motor Vehicle Security Variation/Security Swap Fee | $30.00 |
| Duplicate Statement Fee | $5.00 |
| Early Repayment Adjustment (Formula based calculation required CCFA) | P.O.A |
| Early Repayment Administration Cost | $50.00 |
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Fees are subject to change. |
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| NBS Personal Loan Fees | |
|---|---|
| Loan Establishment Fee | From $200.00 |
| Default Interest Rate | 4.00% p.a. above annual interest rate |
| Default Administration Fee | $45.00 per event |
| Insurance Arrears Payment Fee | $25.00 |
| Rates Arrears Payment Fee | $25.00 |
| Motor Vehicle Security Variation/Security Swap Fee | $30.00 |
| Duplicate Statement Fee | $5.00 |
| Early Repayment Adjustment (Formula based calculation required CCCFA) | P.O.A |
| Early Repayment Administration Cost | $50.00 |
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Fees are subject to change. |
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| Dealer Introduced Consumer Loan Fees | |
|---|---|
| NBS Establishment Fee | $75.00 |
| Dealer Documentation Fee | $150.00 |
| Default Interest Rate | 5.00% p.a. above annual interest rate |
| Dishonour Letter | $15.00 |
| Arrears Letter | $25.00 |
| Pre-posession Letter | $50.00 |
| Insurance Arrears Payment Fee | $25.00 |
| Rates Arrears Payment Fee | $25.00 |
| Motor Vehicle Security Variation/Security Swap Fee | $30.00 |
| Duplicate Statement Fee | $5.00 |
| Early Repayment Adjustment (Formula based calculation required CCCFA) | P.O.A |
| Early Repayment Administration Cost | $50.00 |
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Fees are subject to change.
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| NBS Debit Mastercard Fees | |
|---|---|
| Annual Card Fee | $10.00 |
| Replacement Card Fee | $10.00 |
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Fees are subject to change.
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| New Zealand Transaction Fees | |
|---|---|
| NBS ATM Transaction or Enquiry | FREE |
| Other Bank ATM Transaction or Enquiry | $1.50 |
| EFTPOS Transaction (including contactless, online and MOTO) | $0.50 |
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Fees are subject to change.
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| International Transaction Fees | |
|---|---|
| Offshore Service Margin (of the $NZ value of the transaction) | 2.25% p.a. |
| EFTPOS Transaction (including contactless, online and MOTO) | $0.50 |
| ATM Transaction | $6.00 |
| ATM Enquiry | $1.50 |
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Please note: International ATMs may apply a surcharge; this should be drawn to your attention before you proceed with your transaction. This surcharge will be added to your withdrawal, converted to NZ dollars (if required) and debited against your account. Fees and charges are subject to change.
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| Business Cheque Fees | |
|---|---|
| Monthly Base Fee | $5.00 |
| NBS Mobile and Internet Banking Withdrawal Fee | $0.20 |
| EFTPOS Withdrawal | $0.50 |
| Other Bank ATM Transaction Fee | $1.50 |
| Manual Transactions (include cash withdrawals and external transfers) | $0.50 |
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Monthly Base Fee: Fee is only charged if end of month account balance is less than $1,000. Fees are subject to change.
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| Business Call Fees | |
|---|---|
| Monthly Base Fee | None |
| Transfers via NBS Mobile or Internet Banking | 2 per month free |
| Subsequent Withdrawals | $5.00 |
| Automatic Payment, Direct Debit | N/A |
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Fees are subject to change.
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| Business Flexi | |
|---|---|
| Monthly Base Fee | $15.00 |
| EFTPOS withdrawal | $0.50 |
| Other Bank ATM Transaction fees | $1.50 |
| Manual Transactions (include cash withdrawals and external transfers) | $0.50 |
| Loan Establishment Fee | 1.00% (minimum charge $500) |
| Loan Additional Funds | 1.00% of increase limit (minimum charge $250) |
| Discharge Mortgage Fee | $50.00 |
| Default Interest Rate | 10.00%p.a. above annual interest rate |
| Default Administration Fee | $45.00 per event |
| Unarranged Excess Fee | $25.00 |
| Dishonour Fee | $30.00 |
| Insurance Arrears Payment Fee | $25.00 |
| Rates Arrears Payment Fee | $25.00 |
| Motor Vehicle Security Variation/Security Swap Fee | $30.00 |
| Duplicate Statement Fee | $5.00 |
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Fees are subject to change. |
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| Business Overdraft Fees | |
|---|---|
| Overdraft Establishment Fees | 1.00% (minimum charge $50.00) |
| Overdraft Facility Fee (Arranged) | 0.18% of the limit per month (minimum charge $5.00) |
| Default Interest Rate | 10.00% p.a. above annual interest rate |
| Default Administration Fee | $25.00 |
| Unarranged Excess Fee | $25.00 |
| Insurance Arrears Payment | $25.00 |
| Rates Arrears Payment | $25.00 |
| Motor Vehicle Security Variation/Security Swap Fee | $30.00 |
| Duplicate Statement Fee | $5.00 |
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Fees are subject change. |
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| Fixed Rate, Interest Only | |
|---|---|
| Loan Establishment Fee | From $450.00 |
| Interest Rate Review | From $50.00 |
| Discharge Mortgage Fee | 50 |
| Default Interest Rate | 4.00% p.a. above annual interest rate |
| Default Administration Fee | $45.00 per event |
| Insurance Arrears Payment Fee | $25.00 |
| Rates Arrears Payment Fee | $25.00 |
| Motor Vehicle Security Variation/Security Swap Fee | $30.00 |
| Duplicate Statement Fee | $5.00 |
| Early Repayment Adjustment (Formula based calculation required) | P.O.A |
| Early Repayment Administration Cost | $50.00 |
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Fees are subject to change. |
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| Variable Rate | |
|---|---|
| Loan Establishment Fee | From$450.00 |
| Interest Rate Review | From $50.00 |
| Discharge Mortgage Fee | 50 |
| Default Interest Rate | 4.00% p.a. above annual interest rate |
| Default Administration Fee | $45.00 per event |
| Insurance Arrears Payment Fee | $25.00 |
| Rates Arrears Payment Fee | $25.00 |
| Motor Vehicle Security Variation/Security Swap Fee | $30.00 |
| Duplicate Statement Fee | $5.00 |
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Fees are subject to change. |
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| NBS Debit Mastercard Fees | |
|---|---|
| Annual Card Fee | $10.00 |
| Replacement Card Fee | $10.00 |
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Fees are subject to change. |
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| New Zealand Transaction Fees | |
|---|---|
| NBS ATM Transaction or Enquiry | FREE |
| Other Bank ATM Transaction or Enquiry | $1.50 |
| EFTPOS Transaction (including contactless, online and MOTO) | $0.50 |
|
Fees are subject to change. |
|
| International Transaction Fees | |
|---|---|
| Offshore Service Margin (of the $NZ value of the transaction) | 2.25% p.a. |
| EFTPOS Transaction (including contactless, online and MOTO) | $0.50 |
| ATM Transaction | $6.00 |
| ATM Enquiry | $1.50 |
|
Please note: International ATMs may apply a surcharge, this should be drawn to your attention before you proceed with your transaction. This surcharge will be added to your withdrawal, converted to NZ dollars (if required) and debited against your account. Fees and charges are subject to change. |
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| Personal Service Fees | |
|---|---|
| NBS Internet Banking and NBS Mobile joining fee | FREE |
| NBS Debit Mastercard Replacement Card Fee | $10.00 |
| NBS Debit Mastercard Annual Card Fee | $10.00 |
| New/Alter Bill Payment Authorities - Via Branch or Internet assisted | $3.00 |
| New/Alter Bill Payment Authorities - Via Internet unassisted | FREE |
| New/Alter Automatic Payment - Via Branch or Internet assisted | $3.00 |
| New/Alter Automatic Payment - Via Internet unassisted | FREE |
| Unpaid Automatic Payment/Bill Payment | $15.00 |
| Duplicate Statement Fee | $5.00 |
| Document Searches | $25.00 per half hour (minimum charge $25.00) |
| Dishonour Fee | $30.00 |
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Fees are subject to change.
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| Business Service Fees | |
|---|---|
| NBS Internet Banking and NBS Mobile joining fee | FREE |
| NBS Debit Mastercard Annual Card Fee | $10.00 |
| NBS Debit Mastercard Replacement Card Fee | $10.00 |
| New/Alter Automatic Payment - Via Branch or Internet assisted | $5.00 |
| New/Alter Automatic Payment - Via Internet Banking unassisted | FREE |
| New/Alter Bill Payment Authorities - Via Branch or Internet assisted | $5.00 |
| New/Alter Bill Payment Authorities - Via Internet Banking unassisted | FREE |
| Unpaid Automatic Payment/Bill Payment | $15.00 |
| Duplicate Statement Fee | $5.00 |
| Document Searches | $25.00 per half hour (minimum charge $25.00) |
| Cash Handling - Cash Transactions Count While you Wait | FREE up to $1,000 of notes and for up to $100 of coin per day; and then |
| $3.00 per $1000 of notes or part thereof, $3.00 per $100 of coin or part thereof per banking | |
| Cash Handling - Deferred Count | $2.50 per $1000 of notes or part thereof, $2.50 per $100 of coin or part thereof per banking |
| Fees for cash count are rounded to the nearest $1,000 for notes and $100 for coin per banking | |
| Supplying Notes and Coin to non-NBS Clients | |
| Notes | $5.00 per transaction for the first $1,000, and $2.00 for each subsequent $1,000 |
| Coin | $5.00 per transaction for the first $100, and $2.00 for each subsequent $100 |
| Dishonour Fee | $30.00 |
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Fees are subject to change. |
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