Personal Accounts
Access Account
Open one or multiple Access accounts to manage other income or expenses.
NBS Clients - Moonika and Evan
- Open one or multiple Access accounts to manage other income or expenses.
- Access your funds via NBS Internet banking, the NBS Mobile App, or in branch.
- Enjoy the convenience of an NBS Debit Mastercard.
- Overdraft option available (subject to NBS lending criteria).
- Transactional fee exemptions may apply when depositing salary, wages or NZ Super.
Rates & Fees
| NBS Access Rates | |
|---|---|
| Interest paid on credit balances over $10,000 | 0.05% p.a. |
|
Interest rates are subject to change. |
|
| NBS Access Fees | |
|---|---|
| Monthly base fee | $15.00 |
| NBS Mobile and Internet Banking fees | None |
| EFTPOS withdrawal | $0.50 |
| Other Bank ATM Transaction fees | $1.50 |
| Electronic Transactions | $0.20 |
| Manual Transactions | $0.50 |
|
Electronic transactions: include automatic payments, bill payments, one-off payments, direct debits, direct credits, and Internet Banking transfers. Manual transactions: include cash withdrawals and external transfers. Fees are subject to change. |
|
| Overdraft Facility Rates | |
|---|---|
| Personal Interest rate range | 10.00% p.a. - 16.00% p.a. |
| NBS Business interest rates start from | 9.95% p.a. |
| NBS Rural interest rates start from | 9.95% p.a. |
|
Interest rates are subject to change. |
|
| Overdraft Fees | |
|---|---|
| Overdraft Establishment Fees | 1.00% (minimum charge $25.00) |
| Overdraft Facility Fee (Arranged) | 0.13% (minimum charge $5.00) of the limit |
| Overdraft Facility Fee (Unarranged) | 0.25% (minimum charge $20.00) of the highest daily limit |
| Default Interest Rate | 10.00% p.a. above annual interest rate |
| Default Administration Fee | $25.00 |
| Unarranged Excess Fee | $25.00 |
| Dishonour Fee | $30.00 |
| Insurance Arrears Payment | $15.00 |
| Rates Arrears Payment | $25.00 |
| Motor Vehicle Security Variation/Security Swap Fee | $30.00 |
| Duplicate Statement Fee | $15.00 |
|
Fees are subject to change. |
|
Terms and Conditions
NBS General Terms and Conditions apply. NBS’ current Product Disclosure Statement is available free of charge at any NBS branch. Service fees may apply.