Fees & Rates

Effective 2 December 2025, we decreased our Residential variable and revolving credit interest rates.

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

We’ve made some updates to our General Terms to make them clearer and to better reflect the things we will do to help keep you protected from fraud and scams when you bank with us. These take effect from 28 November 2025.

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

TSB has cut its home loan rate to 4.39% p.a. fixed for one year, undercutting all the major banks advertised rates on this term.

Effective 21 October 2025, we decreased our AgriBusiness, Commercial and Business variable and revolving credit interest rates.

Effective 14 October 2025, we decreased our residential variable and revolving credit interest 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.