Everyday accounts Connect Plus, Personal & Saver Plus * Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission. Account fee - Monthly management fee Free Account fee - Activity fee Free Withdrawal fee - ATM fee* Free Deposit fee - ATM fee* Free Withdrawal fee - EFTPOS fee Free Withdrawal fee - Staff assisted Free Deposit fee - Staff assisted Free Deposit fee - Fastbank fee Free Cheque clearance fee Free Savings accounts WebSaver * Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission. Account fee - Monthly management fee Free Account fee - Activity fee Free Withdrawal fee - ATM* N/A Deposit fee - ATM* N/A Withdrawal fee - EFTPOS N/A Withdrawal fee - Staff assisted $3 Online and Mobile Banking transfers between own accounts Free Deposit fee - Staff assisted $3 Deposit fee - Fastbank fee $3 Cheque clearance fee N/A Horizon Savings * Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission. ** All Horizon Savings account withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit, salary deduction cannot be made from the account. Account fee - Monthly management fee Free Account fee - Activity fee Free Withdrawal fee - ATM* $1 per withdrawal* ** Deposit fee - ATM* Free* ** Withdrawal fee - EFTPOS $1 per withdrawal* ** Withdrawal fee - Staff assisted $1 per withdrawal* ** Online and Mobile Banking transfers between own accounts Free Deposit fee - Staff assisted Free Deposit fee - Fastbank fee Free Cheque clearance fee N/A Investment accounts Premier * Premier account - if the minimum calendar month balance is less than $5,000, a monthly management fee of $10 applies. If applies, that fee is deducted at the end of each calendar month. **Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB Bank receives a commission. Account fee - Monthly management fee Free, or $10 if monthly balance falls below $5,000* Account fee - Activity fee Free Withdrawal fee - ATM** Free Deposit fee - ATM** Free Withdrawal fee - EFTPOS Free Withdrawal fee - Staff assisted Free Online and Mobile Banking transfers between own accounts Free Deposit fee - Staff assisted Free Deposit fee - Fastbank fee Free Cheque clearance fee Free Club & Society and Youth Accounts * Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission. Account fee - Monthly management fee Free Account fee - Activity fee Free Withdrawal fee - ATM* Free Deposit fee - ATM* Free Withdrawal fee - EFTPOS Free Withdrawal fee - Staff assisted Free Deposit fee - Staff assisted Free Deposit fee - Fastbank fee Free Cheque clearance fee Free Business Accounts *May not be available in all areas. **Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission. Business Accounts Business Cheque* Business Everyday* Business On Call* Account fee - Monthly management fee $3 $10 Free Activity fee per transaction** $0.25 Included in monthly management fee N/A Deposit fee - ATM** $0.25 Included in monthly management fee N/A Cheque clearance fee $0.25 $0.25 N/A Online & Mobile Banking *All Horizon Savings account withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit, salary deduction cannot be made from the account. Online access fee and app download fee Free Transfers between your own TSB accounts Free Regular Payment or Regular Transfer set-up fee Free Alteration fee Free Non payment (insufficient funds) fee $2.50 (Payments between your own accounts exempt) Bill payment, standard payee, personal payee, internet regular payment service charge, immediate payment service charge* Free TSB online security token $25 Online Banking Only Xero signup fee Free Xero backdated transactions (optional) $10 per account selected Standard Eftpos Card/ATM *Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission **All Horizon Savings withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit, salary deduction cannot be made from the account ***TSB Eftpos cards will operate in CBA (Commonwealth Bank of Australia) ATMs. Deposits through CBA and other overseas ATMs are not accepted. ATM withdrawals from any NZ bank ATMs* ** Free (Horizon Savings exempt - See Savings table) ATM deposits from any NZ bank ATMs* ** Free ATM balance enquiry from any NZ bank ATM* Free Replacement of lost or damaged cards $10 ATM withdrawal from CBA ATM*** $5 per advance Phone Banking *All Horizon Savings account withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit, salary deduction cannot be made from the account. Telephone access fee $10 per user, per six month period (First payment in advance, and six monthly thereafter) Transfers between your own TSB accounts* Free Payment establishment fee $3 per authority Bill payment, Standard Payee payment service charge Free Txt Banking *All Horizon Savings account withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit and salary deduction cannot be made from the account. TXT Banking set-up fee Free TXT Banking Transaction fee* 40 cents per two ways message transaction Alerts TXT Alert 20 cents per one-way text message Email Alert Free for the first 10 in a calendar month. (10 cents per email message after that, within the same calendar month) Direct Debits* *All Horizon Savings account withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit, salary deduction cannot be made from the account. Establishment fee $3 per authority (Premier accounts exempt) Reactivating fee $3 per authority Non payment (insufficient funds) fee $2.50 per payment Alteration fee $3 per authority for any alteration Automatic Payments* *All Horizon Savings account withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit, salary deduction cannot be made from the account Establishment fee $3 per authority, for payments to all non TSB accounts (Premier accounts exempt) Reactivating fee $3 per authority Hold payment fee $3 per authority Alteration fee $3 per authority for any alteration Payment service charge 25 cents for payments to another bank (Premier accounts exempt) Non payment (insufficient funds) fee $2.50 (Payments between your own accounts exempt) Cheques Dishonoured cheques $2.50 per cheque Stopped cheques $10 per cheque (No charge for lost or stolen cheques) Unarranged Overdraft In the event your account becomes overdrawn by more than $20, the above unarranged overdraft fee will be charged on the last day of that month. Interest is charged on the daily overdrawn balance at the Bank’s unarranged interest rate, which is calculated daily and charged to the account at the end of that calendar month. The fee won’t be charged if the unarranged overdraft is corrected by 10.45pm the day following the account becoming overdrawn. Fee $10 per month Same-Day Cleared Payments Same-day cleared payment fees - No notification required $20 per payment Same-day cleared payment fees - Where notification is required to payee customer $25 per payment Cash Handling Fee (Business Customer Only) Cash handling and change requests $3 per $1,000 BusinessBank BusinessBank monthly access fee Free TSB Online Security Token $25 Direct Credit payments or one-off payments to TSB accounts Free Direct Credit payments or one-off payments to other banks accounts Free Standard Payee and Tax Payments Free Direct Debit payments $0.35 per transactions Transfers between your own TSB accounts Free Emailing or Faxing of Information Signatures between branches $2 per request Other information per request $2 per page Auditors Confirmation Report *Non-profit organisations are exempt from this fee Report fee* $60 per hour (minimum fee $15) Direct Credit Recovery Recovery service fee $35 per transaction (No fee charged to the customer if the payment was a bank error) Statements & Slip Searches First statement per quarter Free Second and subsequent statement per quarter $2 per statement. Visa accounts, revolving credit loans, and accounts with an arranged overdraft are exempt. Statement reprints $4 per copy. This includes both statement history/reprints and copies from archives. Duplicate statements $4 Screen printouts $1 Slip searches $60 per hour (minimum fee $15) Cheque image search $2 per cheque Lodgement to Other Banks Deposits $4 per transaction plus 25 cents per cheque Commercial deposits $4 per transaction plus 25 cent per cheque Cash handling fee $3 per $1,000 Visa Debit General Fees *This commission charge comprises of two components; Issuer fee and Visa International Service Assessment, and is calculated as a percentage of the converted overseas transaction value. The Overseas Service Fee is charged to your account at the time the overseas transaction is charged to your account, and appears as a separate item. **This is charged on the day a Cash Withdrawal is made from an Overseas Bank or ATM. This is charged on Cash Withdrawals over the counter at any non TSB Branch. Visa Debit Annual fee $10 per year. Charged at the time your Visa Debit card is ordered and annually thereafter to your nominated account Card replacement fee $15 per card Overseas service fee* 2.5% of the New Zealand Dollar value of each overseas card transaction Cash withdrawal fee** $5 per withdrawal (overseas) $2 per over the counter withdrawal (NZ) Overseas card delivery Contact us for a quote. The amount will be charged at the time your card is ordered. Daily Limits Maximum daily limits are based on New Zealand time. Overseas banks and institutions operating ATM’s may charge an additional fee to the Bank’s standard Cash Advance fee (if applicable), and any overseas transaction will incur an Overseas Service fee. If the maximum daily limit imposed by the overseas bank or institution operating the ATM is less than the Bank’s limits stated above, then the overseas bank’s or institution’s limit will take precedence. Cash Advances within New Zealand at an ATM NZD$2,000 Cash Advances outside New Zealand at an ATM NZD$2,000 Cash advances across the counter Up to your available credit Purchases Up to your available credit Cash Deposit through New Zealand ATM* $5,000 (made up of no more than four deposit transactions per customer, per day) Visa Classic Credit Daily Limits Maximum daily limits are based on New Zealand time. Overseas banks and institutions operating ATM’s may charge an additional fee to the Bank’s standard Cash Advance fee (if applicable), and any overseas transaction will incur an Overseas Service fee. If the maximum daily limit imposed by the overseas bank or institution operating the ATM is less than the Bank’s limits stated above, then the overseas bank’s or institution’s limit will take precedence. Cash Advances within New Zealand at an ATM NZD$2,000 Cash Advances outside New Zealand at an ATM NZD$2,000 Cash advances across the counter Up to your available credit Purchases Up to your available credit Cash Deposit through New Zealand ATM* $5,000 (made up of no more than four deposit transactions per customer, per day) General Rates & Fees *This will be charged at the time the card is ordered. The Overseas Service Fee is charged to your account at the time the overseas transaction is charged to your account, and appears as a separate item. **This fee will be charged monthly on the statement production date, 5 days after the payment due date. ***This fee is only charged to accounts that are not charged a Card fee, and is charged after 3 months of no Card activity. #This fee will be charged on the day a Cash Advance is made. ##This commission charge comprises of two components; Issuer fee and Visa International Service Assessment, and is calculated as a percentage of the converted overseas transaction value. The Overseas Service Fee is charged to your account at the time the overseas transaction is charged to your account, and appears as a separate item. Interest rate 18.50% p.a. Card fee (Personal account) Personal accounts: $15 per half year for the first card on the account. $2.50 per half year for each joint/ additional card on the account. Card fee (Business account) Business accounts: $17.50 per half year for the first card on the account. $2.50 per half year for each additional card on the account Card replacement fee $15 per card Statement reprint fee $4 per statement Overseas card delivery* Contact us for a quote Late payment default fee** $12 Cash advance fee # $2 per advance (NZ) $5 per advance (overseas) Overseas service fee ## 2.5% of the New Zealand Dollar value of each overseas card transaction Foreign Exchange Bank Sale of: *Other banks or third parties may also charge or deduct commission, fees or other charges for any services or currency transactions specified herein. Such charges or costs are the customer’s responsibility and will be deducted from the currency transaction amount. Foreign currency cash 1% NZD value. Minimum charge NZD $5.00 Bank Purchases of Foreign Currency Cash Deposited into TSB account Free Bank Purchases of Foreign Cheques *Other banks or third parties may also charge or deduct commission, fees or other charges for any services or currency transactions specified herein. Such charges or costs are the customer’s responsibility and will be deducted from the currency transaction amount **These fees and charges are deducted by a third party and may be subject to change without notice. Under NZD $5,000* (Includes Travellers Cheques) NZD $5.00 per cheque Over NZD $5,000 sent for collection* NZD $35.00 Cheque sent for collection* ** NZD $35.00 Dishonoured Foreign Currency Cheques* NZD $25.00 Foreign cheques purchased back at current exchange rate Telegraphic Transfer *Other banks or third parties may also charge or deduct commission, fees or other charges for any services or currency transactions specified herein. Such charges or costs are the customer’s responsibility and will be deducted from the currency transaction amount. **These fees and charges are deducted by a third party and may be subject to change without notice. Outward Telegraphic Transfers* NZD $25.00 Telegraphic Transfer Investigation fee* (Outbound Only) NZD $25.00 Inward Telegraphic Transfers* ** NZD $25.00 (Charged by the receiving bank not TSB. Other bank fees may apply*) Foreign Currency Account TSB Terms and Conditions apply. Any currency conversion shall be made using TSB Foreign Exchange’s prevailing rate of exchange (which includes a currency conversion commission) for that currency. TSB accepts no liability for losses suffered as a result of converting currencies, and any transaction exchange risks from the conversion of currencies are the responsibility of the customer. TSB accepts no liability for any losses suffered or claims made by any party whatsoever as a result of any delays, non-receipt or misapplication of any foreign currency transactions or services specified herein. Additional commissions on the Bank selling rates and cash handling fees apply. Establishment Fee Free Maintenance Fee NZD $10.00 per month per account (Debited from your nominated TSB account) Foreign Currency Account Deposits *Other banks or third parties may also charge or deduct commission, fees or other charges for any services or currency transactions specified herein. Such charges or costs are the customer’s responsibility and will be deducted from the currency transaction amount **These fees and charges are deducted by a third party and may be subject to change without notice. From a TSB Account Free Foreign Cheques 0.2% Foreign value. Minimum charge NZD $35.00 Foreign Cash 1% of value, minimum charge NZD $5.00 Inward Telegraphic Transfer NZD $10.00 equivalent in the currency of the account Foreign Currency Account Withdrawals *Other banks or third parties may also charge or deduct commission, fees or other charges for any services or currency transactions specified herein. Such charges or costs are the customer’s responsibility and will be deducted from the currency transaction amount To a TSB Account Free Telegraphic Transfer* NZD $25.00 Foreign Cash 1% of value, minimum charge NZD $5.00
Connect Plus, Personal & Saver Plus * Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission. Account fee - Monthly management fee Free Account fee - Activity fee Free Withdrawal fee - ATM fee* Free Deposit fee - ATM fee* Free Withdrawal fee - EFTPOS fee Free Withdrawal fee - Staff assisted Free Deposit fee - Staff assisted Free Deposit fee - Fastbank fee Free Cheque clearance fee Free
WebSaver * Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission. Account fee - Monthly management fee Free Account fee - Activity fee Free Withdrawal fee - ATM* N/A Deposit fee - ATM* N/A Withdrawal fee - EFTPOS N/A Withdrawal fee - Staff assisted $3 Online and Mobile Banking transfers between own accounts Free Deposit fee - Staff assisted $3 Deposit fee - Fastbank fee $3 Cheque clearance fee N/A
Horizon Savings * Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission. ** All Horizon Savings account withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit, salary deduction cannot be made from the account. Account fee - Monthly management fee Free Account fee - Activity fee Free Withdrawal fee - ATM* $1 per withdrawal* ** Deposit fee - ATM* Free* ** Withdrawal fee - EFTPOS $1 per withdrawal* ** Withdrawal fee - Staff assisted $1 per withdrawal* ** Online and Mobile Banking transfers between own accounts Free Deposit fee - Staff assisted Free Deposit fee - Fastbank fee Free Cheque clearance fee N/A
Premier * Premier account - if the minimum calendar month balance is less than $5,000, a monthly management fee of $10 applies. If applies, that fee is deducted at the end of each calendar month. **Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB Bank receives a commission. Account fee - Monthly management fee Free, or $10 if monthly balance falls below $5,000* Account fee - Activity fee Free Withdrawal fee - ATM** Free Deposit fee - ATM** Free Withdrawal fee - EFTPOS Free Withdrawal fee - Staff assisted Free Online and Mobile Banking transfers between own accounts Free Deposit fee - Staff assisted Free Deposit fee - Fastbank fee Free Cheque clearance fee Free
* Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission. Account fee - Monthly management fee Free Account fee - Activity fee Free Withdrawal fee - ATM* Free Deposit fee - ATM* Free Withdrawal fee - EFTPOS Free Withdrawal fee - Staff assisted Free Deposit fee - Staff assisted Free Deposit fee - Fastbank fee Free Cheque clearance fee Free
*May not be available in all areas. **Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission. Business Accounts Business Cheque* Business Everyday* Business On Call* Account fee - Monthly management fee $3 $10 Free Activity fee per transaction** $0.25 Included in monthly management fee N/A Deposit fee - ATM** $0.25 Included in monthly management fee N/A Cheque clearance fee $0.25 $0.25 N/A
Online & Mobile Banking *All Horizon Savings account withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit, salary deduction cannot be made from the account. Online access fee and app download fee Free Transfers between your own TSB accounts Free Regular Payment or Regular Transfer set-up fee Free Alteration fee Free Non payment (insufficient funds) fee $2.50 (Payments between your own accounts exempt) Bill payment, standard payee, personal payee, internet regular payment service charge, immediate payment service charge* Free TSB online security token $25
Online Banking Only Xero signup fee Free Xero backdated transactions (optional) $10 per account selected
Standard Eftpos Card/ATM *Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission **All Horizon Savings withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit, salary deduction cannot be made from the account ***TSB Eftpos cards will operate in CBA (Commonwealth Bank of Australia) ATMs. Deposits through CBA and other overseas ATMs are not accepted. ATM withdrawals from any NZ bank ATMs* ** Free (Horizon Savings exempt - See Savings table) ATM deposits from any NZ bank ATMs* ** Free ATM balance enquiry from any NZ bank ATM* Free Replacement of lost or damaged cards $10 ATM withdrawal from CBA ATM*** $5 per advance
Phone Banking *All Horizon Savings account withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit, salary deduction cannot be made from the account. Telephone access fee $10 per user, per six month period (First payment in advance, and six monthly thereafter) Transfers between your own TSB accounts* Free Payment establishment fee $3 per authority Bill payment, Standard Payee payment service charge Free
Txt Banking *All Horizon Savings account withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit and salary deduction cannot be made from the account. TXT Banking set-up fee Free TXT Banking Transaction fee* 40 cents per two ways message transaction
Alerts TXT Alert 20 cents per one-way text message Email Alert Free for the first 10 in a calendar month. (10 cents per email message after that, within the same calendar month)
Direct Debits* *All Horizon Savings account withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit, salary deduction cannot be made from the account. Establishment fee $3 per authority (Premier accounts exempt) Reactivating fee $3 per authority Non payment (insufficient funds) fee $2.50 per payment Alteration fee $3 per authority for any alteration
Automatic Payments* *All Horizon Savings account withdrawals will incur a $1 fee, however deposits into this account and Online and Mobile Banking transfers are free. Payments by automatic/bill payment, direct debit, salary deduction cannot be made from the account Establishment fee $3 per authority, for payments to all non TSB accounts (Premier accounts exempt) Reactivating fee $3 per authority Hold payment fee $3 per authority Alteration fee $3 per authority for any alteration Payment service charge 25 cents for payments to another bank (Premier accounts exempt) Non payment (insufficient funds) fee $2.50 (Payments between your own accounts exempt)
Cheques Dishonoured cheques $2.50 per cheque Stopped cheques $10 per cheque (No charge for lost or stolen cheques)
Unarranged Overdraft In the event your account becomes overdrawn by more than $20, the above unarranged overdraft fee will be charged on the last day of that month. Interest is charged on the daily overdrawn balance at the Bank’s unarranged interest rate, which is calculated daily and charged to the account at the end of that calendar month. The fee won’t be charged if the unarranged overdraft is corrected by 10.45pm the day following the account becoming overdrawn. Fee $10 per month
Same-Day Cleared Payments Same-day cleared payment fees - No notification required $20 per payment Same-day cleared payment fees - Where notification is required to payee customer $25 per payment
BusinessBank BusinessBank monthly access fee Free TSB Online Security Token $25 Direct Credit payments or one-off payments to TSB accounts Free Direct Credit payments or one-off payments to other banks accounts Free Standard Payee and Tax Payments Free Direct Debit payments $0.35 per transactions Transfers between your own TSB accounts Free
Emailing or Faxing of Information Signatures between branches $2 per request Other information per request $2 per page
Auditors Confirmation Report *Non-profit organisations are exempt from this fee Report fee* $60 per hour (minimum fee $15)
Direct Credit Recovery Recovery service fee $35 per transaction (No fee charged to the customer if the payment was a bank error)
Statements & Slip Searches First statement per quarter Free Second and subsequent statement per quarter $2 per statement. Visa accounts, revolving credit loans, and accounts with an arranged overdraft are exempt. Statement reprints $4 per copy. This includes both statement history/reprints and copies from archives. Duplicate statements $4 Screen printouts $1 Slip searches $60 per hour (minimum fee $15) Cheque image search $2 per cheque
Lodgement to Other Banks Deposits $4 per transaction plus 25 cents per cheque Commercial deposits $4 per transaction plus 25 cent per cheque Cash handling fee $3 per $1,000
General Fees *This commission charge comprises of two components; Issuer fee and Visa International Service Assessment, and is calculated as a percentage of the converted overseas transaction value. The Overseas Service Fee is charged to your account at the time the overseas transaction is charged to your account, and appears as a separate item. **This is charged on the day a Cash Withdrawal is made from an Overseas Bank or ATM. This is charged on Cash Withdrawals over the counter at any non TSB Branch. Visa Debit Annual fee $10 per year. Charged at the time your Visa Debit card is ordered and annually thereafter to your nominated account Card replacement fee $15 per card Overseas service fee* 2.5% of the New Zealand Dollar value of each overseas card transaction Cash withdrawal fee** $5 per withdrawal (overseas) $2 per over the counter withdrawal (NZ) Overseas card delivery Contact us for a quote. The amount will be charged at the time your card is ordered.
Daily Limits Maximum daily limits are based on New Zealand time. Overseas banks and institutions operating ATM’s may charge an additional fee to the Bank’s standard Cash Advance fee (if applicable), and any overseas transaction will incur an Overseas Service fee. If the maximum daily limit imposed by the overseas bank or institution operating the ATM is less than the Bank’s limits stated above, then the overseas bank’s or institution’s limit will take precedence. Cash Advances within New Zealand at an ATM NZD$2,000 Cash Advances outside New Zealand at an ATM NZD$2,000 Cash advances across the counter Up to your available credit Purchases Up to your available credit Cash Deposit through New Zealand ATM* $5,000 (made up of no more than four deposit transactions per customer, per day)
Daily Limits Maximum daily limits are based on New Zealand time. Overseas banks and institutions operating ATM’s may charge an additional fee to the Bank’s standard Cash Advance fee (if applicable), and any overseas transaction will incur an Overseas Service fee. If the maximum daily limit imposed by the overseas bank or institution operating the ATM is less than the Bank’s limits stated above, then the overseas bank’s or institution’s limit will take precedence. Cash Advances within New Zealand at an ATM NZD$2,000 Cash Advances outside New Zealand at an ATM NZD$2,000 Cash advances across the counter Up to your available credit Purchases Up to your available credit Cash Deposit through New Zealand ATM* $5,000 (made up of no more than four deposit transactions per customer, per day)
General Rates & Fees *This will be charged at the time the card is ordered. The Overseas Service Fee is charged to your account at the time the overseas transaction is charged to your account, and appears as a separate item. **This fee will be charged monthly on the statement production date, 5 days after the payment due date. ***This fee is only charged to accounts that are not charged a Card fee, and is charged after 3 months of no Card activity. #This fee will be charged on the day a Cash Advance is made. ##This commission charge comprises of two components; Issuer fee and Visa International Service Assessment, and is calculated as a percentage of the converted overseas transaction value. The Overseas Service Fee is charged to your account at the time the overseas transaction is charged to your account, and appears as a separate item. Interest rate 18.50% p.a. Card fee (Personal account) Personal accounts: $15 per half year for the first card on the account. $2.50 per half year for each joint/ additional card on the account. Card fee (Business account) Business accounts: $17.50 per half year for the first card on the account. $2.50 per half year for each additional card on the account Card replacement fee $15 per card Statement reprint fee $4 per statement Overseas card delivery* Contact us for a quote Late payment default fee** $12 Cash advance fee # $2 per advance (NZ) $5 per advance (overseas) Overseas service fee ## 2.5% of the New Zealand Dollar value of each overseas card transaction
Bank Sale of: *Other banks or third parties may also charge or deduct commission, fees or other charges for any services or currency transactions specified herein. Such charges or costs are the customer’s responsibility and will be deducted from the currency transaction amount. Foreign currency cash 1% NZD value. Minimum charge NZD $5.00
Bank Purchases of Foreign Cheques *Other banks or third parties may also charge or deduct commission, fees or other charges for any services or currency transactions specified herein. Such charges or costs are the customer’s responsibility and will be deducted from the currency transaction amount **These fees and charges are deducted by a third party and may be subject to change without notice. Under NZD $5,000* (Includes Travellers Cheques) NZD $5.00 per cheque Over NZD $5,000 sent for collection* NZD $35.00 Cheque sent for collection* ** NZD $35.00 Dishonoured Foreign Currency Cheques* NZD $25.00 Foreign cheques purchased back at current exchange rate
Telegraphic Transfer *Other banks or third parties may also charge or deduct commission, fees or other charges for any services or currency transactions specified herein. Such charges or costs are the customer’s responsibility and will be deducted from the currency transaction amount. **These fees and charges are deducted by a third party and may be subject to change without notice. Outward Telegraphic Transfers* NZD $25.00 Telegraphic Transfer Investigation fee* (Outbound Only) NZD $25.00 Inward Telegraphic Transfers* ** NZD $25.00 (Charged by the receiving bank not TSB. Other bank fees may apply*)
Foreign Currency Account TSB Terms and Conditions apply. Any currency conversion shall be made using TSB Foreign Exchange’s prevailing rate of exchange (which includes a currency conversion commission) for that currency. TSB accepts no liability for losses suffered as a result of converting currencies, and any transaction exchange risks from the conversion of currencies are the responsibility of the customer. TSB accepts no liability for any losses suffered or claims made by any party whatsoever as a result of any delays, non-receipt or misapplication of any foreign currency transactions or services specified herein. Additional commissions on the Bank selling rates and cash handling fees apply. Establishment Fee Free Maintenance Fee NZD $10.00 per month per account (Debited from your nominated TSB account)
Foreign Currency Account Deposits *Other banks or third parties may also charge or deduct commission, fees or other charges for any services or currency transactions specified herein. Such charges or costs are the customer’s responsibility and will be deducted from the currency transaction amount **These fees and charges are deducted by a third party and may be subject to change without notice. From a TSB Account Free Foreign Cheques 0.2% Foreign value. Minimum charge NZD $35.00 Foreign Cash 1% of value, minimum charge NZD $5.00 Inward Telegraphic Transfer NZD $10.00 equivalent in the currency of the account
Foreign Currency Account Withdrawals *Other banks or third parties may also charge or deduct commission, fees or other charges for any services or currency transactions specified herein. Such charges or costs are the customer’s responsibility and will be deducted from the currency transaction amount To a TSB Account Free Telegraphic Transfer* NZD $25.00 Foreign Cash 1% of value, minimum charge NZD $5.00
