Ways to bank

Want to open an everyday or savings account? Simply fill out our quick online form with your details to get started. Once you're set up with online banking you'll be able to set up a term investment online too.

Looking to apply for one of our award-winning credit cards? Compare the features of our TSB Low Rate or Platinum Mastercard before applying online.

If you’re ready to apply for a home loan, you can do it online, wherever and whenever it suits you. You’ll need to make sure you:  

• Are 18 years of age or over.
• Are either a New Zealand citizen living in New Zealand, or resident visa holder living in New Zealand.
• Can meet our lending criteria and have a good credit history.
• Have no more than two borrowers.

Banking with us is easy, wherever you are. You can manage your accounts online, on your mobile, or over the phone with our Customer Engagement Centre team if there’s no branch nearby. Plus, you can use smart ATMs across to NZ to deposit and withdraw cash.

If you see a transaction you don’t recognise, it’s worth doing a quick check first - try using Google. Sometimes the name on your statement is not the name by which you know the business. Many merchants use a different legal or parent company name, so the transaction can look unfamiliar even though it’s legitimate.

If you are still sure this is not a transaction you have made, you can dispute it - you have up to 60 days from the transaction date to submit your dispute. Any domestic EFTPOS or domestic ATM transaction in dispute must be raised by you with the relevant merchant.

Ways to dispute a transaction

1. Contact the company who charged you - if it’s their error they will be able to reverse the charge for you.
2. If the company cannot help you, the next step is to contact us and complete a Disputed Transactions Form and provide us with information to support your dispute. The Disputed Card Transaction Form is available from:
   • Any TSB branch
   • Alternatively, you can call us on 0800 872 226 or +64 6 968 3700 from overseas and we will email you the form to complete.

If your Mastercard has been lost, stolen or damaged, you can use Card Manager in online banking or the TSB mobile app to either temporarily block it to stop transactions from being made, or cancel your card and order a new one at the same time. You can also call us on 0800 406 406 from within NZ or +64 6 968 3700 if you're overseas. Get help with your card.

For all other TSB cards, please call us immediately on 0800 406 406 from within NZ or +64 6 968 3700 if you're overseas.

You can block or unblock your Mastercard using Card Manager in online banking or the TSB mobile app. You can also call us on 0800 406 406 from within NZ or +64 6 968 3700 if you're overseas.

All other TSB cards are unable to be reactivated. You will need to call us on 0800 872 226 Mon-Fri 8am to 6pm and Sat-Sun 9am to 5pm to reorder a new card.

From 26 May 2023, most New Zealand banks, including TSB, moved to processing payments 365 days per year. Now payments will be processed on the same day, but not instantly like “real time” payments.

Credit card payments are processed overnight if made before 9pm on business days only.

A token is a small device from TSB that you can use instead of receiving texts to your mobile when doing your internet banking. It's handy if you're travelling overseas or live in a location with limited mobile service.

Two-factor authentication provides an additional layer of security when using digital banking. It is provided via text message (a 4-digit code is sent via SMS to your registered NZ mobile number) or a TSB token (you need to be registered with a token and will be prompted to provide a 6-digit code).

Two-factor authentication, via either text message or token, is required:

• When making a payment over your set payment limit
• When you update your mobile phone number
• When you update your email address
• When you add a new personal payee
• When you increase the payment limit (after reducing it)
• When you edit a payee
• When you edit an upcoming or recurring payment