Fees & Rates

Business, Rural and Commercial base rate changes - October 2025

TSB Bank has cut its home loan rate to 4.49% p.a. fixed for two years, a lower advertised rate than all the major banks on this term.

We’ve made some changes to our fees. Effective 5 September 2025, we’ve removed 14 service fees and reduced the unauthorised overdraft fee.

We’re changing the way TSB customers can buy and sell foreign cash.

Effective 1 September 2025, changes to our Business, Rural and Commercial base rate.

We’re making some changes to our General Terms which are effective from 5 September 2025. Please take the time to read through and understand how these changes might affect you.

Effective 26 August 2025, we decreased our residential variable and revolving credit interest rates.

Effective 1 August 2025, changes to our Business, Rural and Commercial base rate.

Effective 1 July 2025, changes to our Business, Rural and Commercial base rate.

Effective 3 June 2025, changes to our Business, Rural and Commercial base rate.