about us


Working together to help keep you safe online

The internet makes it easy to manage your money from just about anywhere. Unfortunately, it’s also a prime hunting ground for fraudsters. Working together, we can help minimise the potential risks to keep your accounts and money safe and sound.

At NBS, we’ll never ask for your passwords, PINs, security codes or card details over the phone, in an email or in a text message. We’ll also never email or text you with a link to our internet banking log in page. If we do instruct you to log into NBS Internet Banking, we’ll always ask you to do this through our website, by typing nbs.co.nz directly into your browser address bar.

Never share your secure banking information with anyone.

Daily limits for NBS Internet Banking and the NBS Mobile Banking App have changed. Read more below about why we apply limits and what it means for you.


you stay
safe online


We take your security seriously.

Below are some of the ways we are helping to
keep your accounts and money secure.  

Daily Limits

A daily limit is the maximum amount you can transact through NBS Internet Banking or the NBS Mobile Banking App in a 24-hour period.

These limits are in place as a precautionary measure, should the security of your account be compromised.

Daily transaction limits are also in place for NBS Debit Mastercard holders. You can read more about the daily transaction and ATM withdrawal limits on our NBS Debit Mastercard frequently asked questions page.

We’ve answered some of your questions about daily limits for NBS Internet Banking and the NBS Mobile Banking App below. 

Two factor authentication

Two factor authentication on NBS Debit Mastercard online transactions.

Cardholders may be asked to enter a second form of identification to finalise certain online purchases safely.

NBS Debit Mastercard holders receive a One Time Passcode (OTP) via text message and must enter this code when prompted to complete the transaction.

Fraud monitoring


We have a dedicated team who monitor banking activity and look for suspicious or potentially fraudulent activity.

If we suspect fraudulent activity on your account, you’ll be contacted by your local branch team.




If you’re sensible about your browsing and keep up to
date with current scams and the potential risks,
banking and buying online can be just as
safe as walking into a branch or store.

Below are some tips, guidelines and things to look
out for to help keep you safe online.

  • Choose a secure password and always keep it safe  
  • Here are some password tips to avoid:
    • Easily guessed letter or number combinations
    • Don't use passwords from other websites
    • Exclude personal information like birthdays, family and street names
    • Keep your passwords separate and unique for different applications
    • Never write down your password or give it to anyone.
    • NBS will never ask you for your NBS Internet Banking password

    • It is also a good idea to change your online password regularly.
    • Just log in to NBS Internet Banking, select from the 'Settings' menu to change.
    • Always log out after banking online
    • If you think someone knows your password, phone us immediately on 0800 101 700


  • Only enter personal information on secure websites - If you are making financial transactions online, you should look for the letters "https://" at the beginning of the web address.
    You can also look for a padlock icon in your browser window. These things show that the communication between your browser and our system is being encrypted.
  • Be careful about the information you send via email. You should always be careful sending personal information via email. Emails are also a common way to spread viruses or to trick you into revealing your personal details or internet banking information. This is commonly called phishing.
  • Keep your computer secure - When you connect to the internet, you open your computer up to various potential issues. But these simple solutions can help you keep it safe.
      • Make sure the online shop is reputable
      • Read the fine print relating to any transaction before you provide your card details
      • Take particular care when entering promotions such as “free trials”
      • Before completing your purchase, check the online store has a return and refund policy
      • Only enter your details if you are ready to make a purchase
      • If you purchase something online, print out a copy of the transaction for your records
      • For your safety and security, you may be asked to provide your card security code. This is the three-digit number printed on the signature panel on the back of your card (CVV). The intended purpose of the CVV is to provide added security when making purchases over the internet - it helps to verify that you’re in possession of the card, as the code should not be known to anyone other than you as the card holder.

Viruses and worms are malicious pieces of software that can attach to your computer and cause all sorts of problems. They can get in through email attachments, you could inadvertently download them from a website or even through software you install.

 Good anti-virus software will help protect your computer against this threat. Even if you already have anti-virus software installed, you need to regularly update it to stay safe. There are several reputable anti-virus software products in the market. We recommend doing your own research and talking to an expert to help you choose the best solution for you.

Spyware is another type of file that can find its way onto your computer and tell other people what you are doing online. In its worst form, spyware can be used to access personal information such as bank account details. Like anti-virus software, you should always use up-to-date anti-spyware software to help keep your information safe.

A personal firewall is your first line of defence between your computer and the outside world. Modern versions of popular desktop operating systems typically have personal firewall settings. Check that they are turned on if you do not have another firewall product.

One of the most important ways to keep your computer safe is to make sure it has all the latest security software updates. These updates are usually free and they are released regularly to fix holes in the computer's operating system.

Internet browsers (e.g. Internet Explorer, Mozilla Firefox, Safari and Google Chrome) release security patches, these are important patches you need to apply. You should also update any other applications installed such as Adobe Reader or browser components like Java or Adobe flash, to make sure you have the latest security patches.

Be extremely wary of using other computers or publicly accessible Wi-Fi networks to access online banking. It is impossible to know if they have up to date protection and it is also easy for other people to watch what you are doing.

We work hard to keep your banking safe - but here are a few things you can do.

  • Keep your NBS Debit Mastercard in safe places
  • Do not share your PIN, user number, KeepSafe questions or passwords
  • If you lose your NBS Debit Mastercard, contact us immediately
  • Check your bank statement regularly to make sure they match the transactions you have made
  • Never store your PIN, user number, KeepSafe questions and passwords in an unsecured file on your computer
  • Remember NBS will never ask you by email for your secure banking information
  • Never email your NBS Debit Mastercard or bank account details or share them with someone you don't know over the phone

NBS Debit Mastercard

  • Destroy any old documents or receipts that display your card number
  • Always choose a safe PIN
  • Use different PIN numbers for different cards
  • Destroy expired cards
  • Make sure you get your card back after using it
  • Never let anyone else use your card

Shopping Online

  • Always check for a secure browser connection before entering your card details online
  • Never use your card number as a form of identification
  • Only enter your details if you are ready to make a purchase
  • If you purchase something online, print out a copy of the transaction for your records
  • Before purchasing online, check the online store has a return and refunds policy

Your daily limits questions answered

A daily limit is the maximum amount you can transact through NBS Internet Banking or the NBS Mobile Banking App in a 24-hour period.

All NBS Internet Banking and NBS Mobile Banking App payments and transactions (including internal transfers) across all your NBS accounts count towards reaching the daily limit. The exceptions are direct debits and debit card transactions. These do not count towards the total.

If your daily limit has been exceeded, you will receive an on-screen message and your payment won’t be processed.

Please contact your local branch on 0800 101 700 or email info@nbs.co.nz during opening hours and our team will be able to help.

Reducing your daily limit can help protect you if you fall victim to fraud and scams. By setting a lower daily limit, you can make it more difficult for someone to steal a large amount of money from your account if they gain access via NBS Internet Banking or the NBS Mobile Banking App. 

Contact your personal banker or call us on 0800 101 700 during opening hours if you wish to lower your daily payment limit. 

Contact your personal banker or call us on 0800 101 700 during opening hours to discuss increasing your daily payment limit. 

Think you’ve been targeted by an online scam?

Place a temporary block on your NBS Debit Mastercard using the NBS Mobile Banking App straight away and call us as soon as possible on 0800 101 700 or visit your local NBS branch to discuss your situation.

We take security seriously and our experienced team will be able to offer professional and practical advice.