The perfect amount of bank
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bank
care
Kiwi
community
support
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everything
bank
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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.
Home loan rates
6.69 % p.a.
Fixed for 1 year
View ratesTSB’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!
Term investment
6.00 % p.a.
for 6 months
View ratesConditions 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.
![Apple Pay on iPhone and Watch at TSB](/sites/default/files/styles/webp/public/2024-08/xApplyPay-now-at-TSB.png.webp,qitok=hUzVd69u.pagespeed.ic.0tyIlY4vdp.webp)
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.
![TSB Low rate Mastercard and Platinum Mastercard](/sites/default/files/styles/webp/public/2023-07/Splayed_credit_cards_DF2305161%20WEB%20-%20Website%20refresh%20project%20images%201224x918px%20R02-Audi%20%282%29_1.png.webp?itok=64gnOLG8)
![manage your Mastercard in the TSB app](/sites/default/files/styles/webp/public/2024-08/xTSB-card-control.png.webp,qitok=itPKiWa2.pagespeed.ic.lc-QTU6_g1.webp)
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.
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Chubb Life Assurance Extra offer
Chubb Life are offering 2 months free cover on its Assurance Extra range of products until 31 March 2025. Call us on 0800 872 226 to talk to us about your insurance needs today and secure peace of mind for the future.
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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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Fees & Rates
20 August 2024
Lending rate changes - 20 August 2024
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General
6 August 2024
TSB delivers Apple Pay to customers
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Fees & Rates
1 August 2024
Business, Rural and Commercial base rate changes - August 2024
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.
Home loan rates
6.69 % p.a.
Fixed for 1 year
View ratesTSB’s standard lending criteria, T&Cs, and fees apply. Min. 20% deposit.
Term investments
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!
Term investment
6.00 % p.a.
for 6 months
View ratesConditions apply. Min deposit $1k.
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.
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.
Estimate your repayments
Home Loans
Use our home loan calculator to work out what your repayments could be.
Currently under maintenance
Our home loan calculator is currently under maintenance. Please try again later, we apologise for any inconvenience.
Currency calculator
Foreign Exchange
Get your money sorted before you head off so there is one less thing to think about when you start packing.
This calculator is for purchasing or selling of physical foreign cash. It is provided for information purposes only and uses indicative rates that are subject to change. The values shown are indicative only and do not include any fees or charges that may apply. See our Fees page for more detail.
This calculator is for purchasing or selling of physical foreign cash. It is provided for information purposes only and uses indicative rates that are subject to change. The values shown are indicative only and do not include any fees or charges that may apply. See our Fees page for more detail.
How to guides
Looking for help?
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Security tips
It’s important your money and personal information is kept secure.
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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.
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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.
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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.
Find a branch near you
Our doors are open, and we’d be delighted to see you. Search below to find the branch closest to you.