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Interest Rates
and Fees

Phil Thompson at NBS' Richmond branch


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.

Term Investment Rates
30 days 1.95% p.a.
3 months 3.25% p.a.
6 months 3.75% p.a.
9 months 3.85% p.a.
12 months 3.60% p.a.
18 months 4.00% p.a.
24 months 3.70% p.a.
36 months 3.70% p.a.

Interest rates are current as of 4 July 2025 and subject to change at any time without notice.

NBS General Terms and Conditions apply.

Please be aware that the rate of return offered by NBS is based on a specific term selected when an investment is made. NBS expects that the funds will be deposited for the nominated term. NBS is not obliged to accept a request for early withdrawal (in part or full) of a term investment. 

If we do decide to accept such a request, we may charge an early withdrawal fee. The early withdrawal fee is calculated as the amount withdrawn multiplied by 2% and prorated for the number of days invested.  The early withdrawal fee will be deducted from the after-tax net interest earned.

NBS is not a registered bank.
NBS Access Rates
Interest paid on credit balances under $10,000 0.00% p.a.
Interest paid on credit balances over $10,000 0.05% p.a.

Interest rates are subject to change.
NBS Cheque Interest Rates - Personal
Interest paid on credit balances under $10,000 0.00% p.a.
Interest paid on credit balances over $10,000 0.05% p.a.

Interest Rates are subject to change.
NBS Cheque Interest Rates - Business
No interest paid on Business Cheque credit balances 0.00% p.a.

Interest Rates are subject to change.
NBS Cheque Interest Rates - Community
Interest paid on credit balances under $5,000 0.00% p.a.
Interest paid on credit balances between $5,000 and $50,000 0.10% p.a.
Interest paid on credit balances over $50,000 0.25% p.a.

Interest rates are current and subject to change.
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.

Published rate effective 14 April 2025. Interest rates are subject to change.
NBS Target Rates
NBS TARGET - All credit balances 0.25% p.a.

Published rate effective 14 April 2025. Interest rates are subject to change.
NBS Home Loan Rates
6 Months Fixed 5.74% p.a.
1 Year Fixed 4.99% p.a.
2 Year Fixed 4.93% p.a.
Variable* 6.94% p.a.
NBS Flexi Loan variable interest rate* 7.04% p.a.

Interest rates are current as of 3 June 2025 and subject to change at any time without notice. NBS General Terms and Conditions, general lending terms and criteria and fees apply.

NBS home loan rates are available for residential owner-occupied or investment property loans only.

* Effective rate for new clients Tuesday 3 June 2025. Effective rate for existing flexi and variable loan clients from Monday 14 July.
NBS Personal Loan Rates
Interest rate range 13.75%p.a. - 19.95% p.a.

Interest rates are current for new facilities. 
NBS Business Lending Rates
6 Months Fixed start from 6.24% p.a.
1 Year Fixed start from 5.49% p.a.
2 Year Fixed Start from 5.43% p.a.
Variable interest rates start from* 7.44% p.a.
NBS Flexi Loan variable interest rates start from* 7.54% p.a.

Interest rates are current as of 3 June 2025 and subject to change at any time without notice. NBS General Terms and Conditions, general lending terms and criteria and fees apply.

* Effective rate for new clients Tuesday 3 June 2025. Effective rate for existing flexi and variable loan clients from Monday 14 July.
NBS Access Fees
NBS Mobile and Internet Banking Fee None
EFTPOS Withdrawal $0.50
Other Bank ATM Transaction Fee $1.50
Electronic Transactions $0.20
Staff Assisted Transactions  $0.50

Electronic transactions: Include automatic payments and direct debits.

Manual transactions: Includes cash withdrawals and external transfers.

Fees are subject to change.
NBS Personal Transaction Accounts
NBS Mobile and Internet Banking Withdrawal Fee None
EFTPOS Withdrawal $0.50
Other Bank ATM Transaction Fee $1.50
Automatic Payment and Direct Debit Withdrawal Fee $0.20
Staff Assisted Transactions (includes cash withdrawals and external transfers) $0.50

 

Fees are subject to change.
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

Fees are subject to change.
NBS Target Fees
Monthly Base Fee None
Transfers via NBS Mobile or Internet Banking 1 per month free
Subsequent Withdrawals $5.00
Automatic Payment, Direct Debit N/A

Fees are subject to change.
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

Fees are subject to change.
NBS Residential Term, NBS Residential Redraw, NBS Interest Only Fees
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 Recovery Amount (ERRA) P.O.A
Early Repayment Administration Cost $45.00

Fees are subject to change.
NBS Build Loan Fees
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 $15.00
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

Fees are subject to change.
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 10.00% p.a. above interest rate
Default Administration Fee $45.00 per event
Dishonour Fee $15.00
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

Fees are subject to change.
Kāinga Ora First Home Loan Fees
Loan Establishment Fee From $450.00
Lenders Mortgage Insurance Premium 0.50% 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 Recovery Amount (ERRA) P.O.A
Early Repayment Administration Cost $45.00

Fees are subject to change.
NBS Personal Loan Fees
Loan Establishment Fee From $200.00
Default Interest Rate 5.00% 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 Recovery Amount (ERRA) P.O.A
Early Repayment Administration Cost $45.00

Fees are subject to change.
Dealer Introduced Consumer Loan Fees
NBS Establishment Fee $75.00
Dealer Documentation Fee From $250.00
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 Recovery Amount (ERRA) P.O.A
Early Repayment Administration Cost $45.00

Fees are subject to change.

 
NBS Debit Mastercard Fees
Annual Card Fee $10.00
Replacement Card Fee $10.00

Fees are subject to change.

 
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%
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.
Some merchants may apply a charge for using contactless or for internet transactions; it is the merchants responsibility to notify you of any additional charges at the time of sale. These are usually added to the purchase price.

Fees and charges are subject to change.

 

 
NBS Business Transactions Accounts Fees
NBS Mobile and Internet Banking Withdrawal Fees $0.20
EFTPOS Withdrawal    $0.50
Other Bank ATM Transaction Fee   $1.50
Staff Assisted (includes cash withdrawals and external transfers) $0.50
Automatic Payment and Direct Debit Withdrawal Fee $0.20

Fees are subject to change.

 
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

Fees are subject to change.

 
Business Flexi Fees
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 $15.00
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

Fees are subject to change.
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 15.50% 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

Fees are subject change.
NBS Business Term, NBS Business Redraw, NBS Interest Only Fees
Loan Establishment Fee From $450.00
Interest Rate Review From $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 Recovery Amount (ERRA) P.O.A
Early Repayment Administration Cost $45.00

Fees are subject to change.
Variable Rate Fees
Loan Establishment Fee From $450.00
Interest Rate Review From $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

Fees are subject to change.
NBS Debit Mastercard Fees
Annual Card Fee $10.00
Replacement Card Fee $10.00

Fees are subject to change.
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.
Some merchants may apply a charge for using contactless or for internet transactions; it is the merchants responsibility to notify you of any additional charges at the time of sale. These are usually added to the purchase price.

Fees and charges are subject to change.
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
Duplicate Statement Fee $5.00
Document Searches $25.00 per half hour (minimum charge $25.00)
Dishonour Fee $15.00

Fees are subject to change.

 
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 $3.00
New/Alter Automatic Payment - Via Internet Banking unassisted FREE
New/Alter Bill Payment Authorities - Via Branch or Internet assisted $3.00
New/Alter Bill Payment Authorities - Via Internet Banking unassisted FREE
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
Dishonour Fee $15.00

Fees are subject to change.