Rating based on 27 reviews

Kiwi Bank


  • Low-interest starting from 12.90%

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Kiwi Bank homepage

Author Kiwi Bank. Screenshot of Kiwi Bank website. [Accessed May 23, 2018]

About Kiwi Bank

Kiwi Bank is New Zealand's most loved and trusted local bank and offers some of the most competitive rates, fees, and products on the market.

As a New Zealand lender who strives to help their customers achieve their financial goals - they listen, they learn and they do.

Standing out when others blend in

At Kiwi Bank they pride themselves in doing things a little differently - from offering unbelievable low rates on a variety of different financial products and personal loans to the way in which they interact with their customers - they're better in every way.

If you want to deal with a truly local lender that offers impeccable credit cards - it's Kiwi Bank you're after.

Who they are

They are fully operated by Kiwis for Kiwis. You will certainly save a lot on interest when you switch to them as they offer the lowest prices available in New Zealand.

What Kiwi Bank can offer you

Kiwi Bank is a competitive financial service provider and offers New Zealanders some of the most affordably priced credit cards and loans.

Their range of Credit cards

From their highly competitive Low-Rate MasterCard to their Airpoints Platinum credit card - Kiwi offers some of the best and most affordable range of credit cards in the country. Whether it's for everyday spending or regular international travel - their range covers it all.

So much more than just a Credit card provider

Just to name a few they have rates from only 3.99%p.a. on their home loans, they offer low rate personal, business, overdrafts, competitive savings, insurance, and everyday banking accounts.

The investments

In the day and age, we live in, saving money is almost pointless due to inflation and a few other factors. Investing will allow you to maintain the value of your savings while letting your money work for you. Kiwi Bank has ample options for every budget and every level of income.

Kiwi Bank Product Details

  • Loan Type Credit cards
  • Interest Rate 12.90 – 20.95% p/a
  • Decision 5 days

We strives to help our customers achieve their financial goals

At Kiwi Bank, they try to make applying for any of their fantastic financial products as simple and as quick as possible.

If you want to apply for a credit card you can do so online or in one of their many nationwide branches. You can also download their application form and bring it with you to make the process even faster.

What you will need to apply

If you're an existing customer you can simply complete an online application form and they will have it processed in no time.

New customers must provide them with:

  • an ID document.
  • driver’s license.
  • a bank statement.
  • utility bill.
  • your current bank or credit card.

I would like to make my application at a branch

They know that some customers don’t like to give personal information over the phone. They understand this as there are so many scams happening lately that one can’t help but wonder if you are really being contacted by representatives of Kiwi Bank. They don’t have a problem with customers coming into one of their branches to make their application.

In fact, they are happy that they can get the opportunity to interact with their customers as opposed to communicating with them over the phone all the time. Should you also be comfortable with divulging your personal details over the phone, they will still gladly assist you to the best of their ability. There are security verification questions that you will be required to answer before they can assist you.

I can’t answer the security verification questions correctly

Failing to answer the security questions correctly will give them the indication that you are not the customer you claim to be and they will then not proceed. This is just another security remedial action they have to protect their customers. They will always put the needs and expectations of their clients first.

Benefits of becoming a Kiwi Bank client

  • A high level of safety.
  • Second to none advice, financial guidance, and support.
  • Lower fees and rates.
man holding thumbs up

Kiwi Bank is a trusted & reliable provider of credit cards

In our review, Kiwi Bank adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), where the granting the loan will not cause financial distress to the consumer.

Kiwi Bank is a registered credit provider in New Zealand: FSP200146

Customer Reviews & Testimonials

December 2020

Kiwi Bank charged my life when they afforded me the opportunity to own a credit card of my own.

Luther T
— Feilding —

February 2020

The credit card application process used at Kiwi Bank is easy and convenient.

Martha R
— Feilding —

September 2021

The best service I ever received from any bank, They are so fast and friendly.

Mavis Reid
— Hamilton —

September 2021

I am so surprised by the assistance I got from them. What a great company.

Davis L
— Auckland —

I got the very best credit card deal from them. They are extremely competitive with their prices.

Harris J
— Nelson —

Kiwi Bank Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • Private Bag 39888, Wellington mail Centre, Lower Hutt, 5045, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday 09:00 – 12:00
  • Sunday – Closed