The perfect | amount of bank
Choose the home loan that's right for you
Whether you're looking to buy, build, switch or top up your home loan, we can help find the home loan solution that works best for you.
TSB's standard lending criteria, T&Cs, and fees apply. Min. 20% deposit.
Grow your savings with this great rate
Choose how long you want to put your money away for and your interest rate will be fixed until the end of the term, so you can grow your savings without any effort!
Conditions apply. Min deposit $1k.
Apple Pay
Apple Pay is an easy, secure and private way to pay, in-store, online and even in your favourite apps. Now available with any TSB Mastercard on your iPhone, Apple Watch, iPad and Mac.
The perfect amount of perks
Introducing our new duo Low Rate Mastercard & Platinum Mastercard.
Eligibility, lending criteria, T&Cs, fees and interest apply. Rates and fees differ between products.
Manage your Mastercard online
Use your TSB app or online banking to change your PIN, temporarily block your card, or report it as lost or stolen.
The visual experience in the TSB app may be different from what is shown in the image above.
Save $50 with Tower today
Join Tower and save $50 on every new comprehensive car and contents insurance policy. Offer ends 1 February 2025.
Stay safe from cyber crime
Don't respond to unexpected text messages or click on unexpected links. If you are unsure if an email or text is legitimately from us, or notice unusual activity on your account, contact us on 0800 872 226.
Latest news
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3 December 2024
Lending rate changes - 3 December 2024
Effective Tuesday 3 December 2024, we decreased our residential variable and revolving credit interest rates.
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3 December 2024
Non-retail lending rates changes – 3 December 2024
Effective Tuesday 3 December 2024, we decreased our AgriBusiness, Commercial and Business variable and revolving credit interest rates.
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2 December 2024
Business, Rural and Commercial base rate changes - December 2024
Effective 2 December 2024, changes to our Business, Rural and Commercial base rate.
Home loans
Whether you’re looking to buy, build, switch or top up your home loan, we can help find the home loan solution that works best for you.
Credit & Debit cards
Take a look at our Debit, Low Rate and Platinum Mastercard options and compare their key features to find the right card for you.
Invest
Watch your money grow. With great interest rates, term deposits and accessible investment accounts, you can decide how your money grows.
Accounts
Whether you're after a day-to-day spending account or looking to save for something special, we have a range of accounts you can choose from.
Business accounts
We're passionate about finding financial solutions that suit the needs of small to medium-sized businesses. And as an independent, New Zealand-owned bank, we're able to put the interests of our customers first.
Insurance
We partner with Tower for general insurance (house, contents, car, boat and landlord), and Chubb for life and living insurance, so you can make sure you’re protected for when the unexpected happens.
Commercial property
If you’re looking to purchase a commercial property for either owner-occupied or commercial investment purposes, our specialist Commercial Team can help you choose the right loan, depending on what you need and where you want to go.
Legal Documents and Information
Find key terms and conditions, policies and other important bank disclosure information.
Rates, Fees and Standard Contracts
Find our standard contracts for the key products we currently offer, including our consumer credit products, as well as the fees and interest rates that apply.
Home loans
Choose what's right for you. Whether you’re looking to buy, build, switch or top up your home loan, we can help find the home loan solution that works best for you.
TSB's standard lending criteria, T&Cs, and fees apply. Min. 20% deposit.
Low Rate and Platinum Mastercard
Choose between our lowest rate credit card, and our best card for cashback rewards.
Accounts
Whether you're after a day-to-day spending account or looking to save for something special, we have a range of accounts you can choose from.
Home loan borrowing calculator
Want to know how much you could borrow?
Simply enter a few details into the calculator below and we'll give you an estimate of how much you could borrow.
Repayment calculator
Estimate your home loan repayments
Use our mortgage repayment calculator to work out what your repayments could be.
Foreign exchange
Currency calculator
Get your money sorted before you head off so there's one less thing to think about when you pack.
Apply for a home loan
Apply online or chat to a lending specialist
You can start your application online today or send us an enquiry with your key details. One of our lending specialists will get in touch to chat through your home loan options.
Find the right card for you
Cards
Take a look at our Debit, Low Rate and Platinum Mastercard options.
Watch your money grow
Term investments
You can decide how your money grows.
Looking for a day-to-day or savings account?
Accounts
We have a range of accounts you can choose from.
How to guides
Looking for help?
Online Banking help
Security tips
It’s important your money and personal information is kept secure.
Enquire about a home loan
Complete our enquiry form to arrange an email, phone or video call and we'll get in touch to chat through your loan options.
Financial assistance
If you're experiencing financial hardship, having difficulties with your repayments or think you might soon, get in touch to see how we can help.
Deceased estates
The last thing you want when a family member or friend has passed away is to worry about sorting out their financial affairs. We have a team dedicated to help you along the way.
