Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO

Size: px
Start display at page:

Download "Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO"

Transcription

1 and Charges A close look at our products and services CONTENTS Saving money on your banking... 1 Everyday accounts... 1 Packages... 3 Savings accounts... 5 Cards... 5 Foreign Currency Account... 8 Foreign Currency Term Deposit... 9 Lending fees... 9 Business Banking... 9 Agri Banking...11 ANZ Private...11 Non-Standard...11 To enquire about any of these and Charges, or for more information on any of our products or services, please call , visit your local branch or anz.co.nz. Saving money on your banking Our staff will be happy to show you how you could make changes to take advantage of the following lower cost ways of banking: Ensure you only pay for the features you need by making sure you have the right account If you re paying by EFTPOS, withdraw any cash you need at the same time By doing more of your banking with ANZ, you may qualify for additional benefits, including special fee waivers Use ANZ Internet Banking, Phone Banking, or ATMs to keep track of your balances Use ANZ Mobile Phone Banking to check account balances and receive mini statements while you re on the go If you are at school or in tertiary education, starting your first job or graduating, ANZ has special packages that can save you bank fees If you are receiving National Superannuation you re eligible for the ANZ Freedom Years Package. within this brochure are defined as follows: Automated transactions include EFTPOS transactions, ATM transactions (excluding ATM deposits), direct debits and direct credits, and all electronic transactions made through ANZ Phone Banking, Mobile Phone Banking and Internet Banking* Manual transactions include ATM deposits, cheques and transactions handled by our staff at a branch or by phone Service and access fees (Non-Standard ) may apply in addition to any fees stated. For more information on Non-Standard that apply, refer to pages of this brochure. * Registration is required for ANZ Phone Banking, Mobile Phone Banking and Internet Banking. Telephone, mobile operator and internet service provider charges may apply to these services. Everyday accounts ANZ FREEDOM An everyday account that gives you the freedom to bank the way you want to. Your monthly account fee will be waived each month that you deposit at least $2,500 into the account.* Flexibility of an overdraft facility (on application). Easy access to your account 24 hours, 365 days. No annual card fee for an ANZ Visa Debit card when linked to an ANZ Freedom account. Monthly account fee... $5 Your monthly account fee is waived each month that you deposit at least $2,500 into the account.* Automated transaction fee... nil Manual transaction fee... nil Monthly Overdraft Management fee % (min $5) Calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is the greater. Deposit $2,500 or more into your account each month. For more information on Non-Standard which apply to * Deposits exclude transfers made between any of your ANZ accounts. ANZ GO An everyday account that enables you to avoid monthly account and transaction fees when you do your banking electronically. No monthly account or automated transaction fees. Flexibility of an overdraft (on application). The choice of an ANZ Visa Debit card. Easy access to your account 24 hours, 365 days. Monthly account fee... nil Automated transaction fee... nil Manual transaction fee... $3 Monthly Overdraft Management fee % (min $5) Calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is the greater. 1

2 and Charges A close look at our products and services Use our electronic banking channels such as ANZ Internet Banking, Mobile Phone Banking and Phone Banking for convenient access 24 hours, 365 days. Minimise manual transactions such as cheques and branch deposits to help avoid fees. For more information on Non-Standard which apply to ANZ SELECT An interest-bearing everyday account for customers who keep an average monthly balance of $5,000 or more. Easy access to your account 24 hours, 365 days. Earn tiered interest on credit balances $5,000 and over. The choice of an ANZ Visa Debit card. Your monthly account fee will be waived if you keep an average monthly balance of $5,000 or more. Monthly account fee (waived if average monthly balance is $5,000 or more)... $15 Automated transaction fee... nil Manual transaction fee... nil Monthly Overdraft Management fee % (min $5) Calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is the greater. ANZ FLEXIBLE HOME LOAN Of all our home loan options, the ANZ Flexible Home Loan gives you the most flexibility over how you use your money. Access to additional funds within the set limit at any time. Ability to run your income through the account, minimising daily interest. Application fee (owner occupied)...up to $500 Application fee (all other lending)... up to 1% of the loan amount Monthly account fee... $12.50 All transaction fees... nil Our lending criteria apply. ANZ Flexible Home Loans cannot be used for any business purpose. Close all other everyday accounts and use your ANZ Flexible Home Loan as the central account. Run all personal income through the account, including salary, any bonuses or lump sum payments. For more information on Lending and Non-Standard which apply to this account, refer to pages 8 and respectively, of this brochure. Ensure an average monthly balance of $5,000 or more is maintained in your account each month to help avoid fees. For more information on Non-Standard which apply to ANZ SCHOOL PLUS A first bank account for school students and under 18s, with no monthly account or transaction fees. An everyday and savings account all in one. No monthly account or transaction fees. No fees to set up and make Automatic Payments or Bill Payments. The choice of an ANZ Visa Debit card. Interest paid on all balances. Monthly account fee... nil Automated transaction fee... nil Manual transaction fee... nil For more information on Non-Standard which apply to 2

3 and Charges A close look at our products and services Packages ANZ TERTIARY PLUS PACKAGE A banking package designed specifically for students studying at a recognised New Zealand tertiary institution or NZQA accredited course with a minimum duration of at least one year. An ANZ Freedom account with no monthly account and transaction fees. Interest-free overdraft on application (up to $1,000 for first year of study and up to $2,000 for remaining years on package). An ANZ Visa Debit card with no annual card fee when linked to an ANZ Freedom account. Your choice of an ANZ MasterCard or ANZ Visa ($500 credit limit applies).* You can apply for a personal loan with no application fee.* No fees to set up and make Automatic Payments or Bill Payments via ANZ Internet Banking. Freedom account fees Monthly account fee... nil Automated transaction fees... nil Manual transaction fees... nil Monthly Overdraft Management fee... $3 For more information on Non-Standard which apply, refer to pages of this brochure. * ANZ lending criteria, terms, conditions and fees apply to all ANZ credit cards, ANZ personal loans and overdrafts. ANZ INTERNATIONAL STUDENT PACKAGE A special banking package for international students enrolled for at least six months of full-time study at a language school or tertiary institution approved by the NZQA. An ANZ Freedom account with no monthly account or transaction fees. An ANZ Visa Debit card with no annual card fee when linked to an ANZ Freedom account. Your choice of an ANZ MasterCard or ANZ Visa ($500 credit limit applies).* Must be 18 years old or over. Must hold a minimum six month study visa. Must be enrolled for at least six months of full-time study. Annual credit card account fee applies. No fees to set up and make Automatic Payments or Bill Payments via ANZ Internet Banking. Freedom account fees Monthly account fee... nil Automated transaction fees... nil Manual transaction fees... nil For more information on Non-Standard which apply, refer to pages of this brochure. * ANZ lending criteria, terms, conditions and fees apply to all ANZ credit cards. ANZ GRADUATE PLUS PACKAGE A banking package for customers who have graduated from a recognised tertiary institution within the last 12 months. An ANZ Freedom account with no monthly account or transaction fees. No interest on the first $2,000 of your overdraft for up to one year (on application). An ANZ Visa Debit card with no annual card fee when linked to an ANZ Freedom account. Your choice of an ANZ MasterCard or ANZ Visa on application with no annual account fee for the first year.* You can apply for a personal loan with no application fee.* Freedom account fees No monthly account or transaction fees. After one year you will be transferred to the everyday account which best suits your banking needs. Monthly Overdraft Management fee % (min $5) Calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is greater. For more information on Non-Standard which apply, refer to pages of this brochure. * This benefit can be taken up at anytime in the first year of your package. ANZ lending criteria, terms, conditions and fees apply to all ANZ credit cards, ANZ personal loans and overdrafts. ANZ WORKSTART PLUS PACKAGE A banking package with special benefits for customers who have left school and are starting out in the workforce. An ANZ Freedom account with no monthly account or transaction fees. An ANZ Visa Debit card with no annual card fee when linked to an ANZ Freedom account. Your choice of an ANZ MasterCard or ANZ Visa on application with no annual account fee for a year.* 3

4 and Charges A close look at our products and services Freedom account fees No monthly account or transaction fees on the ANZ Freedom account. After one year you will be transferred to the everyday account which best suits your banking needs. Monthly Overdraft Management fee % (min $5) Calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is greater. For more information on Non-Standard which apply, refer to pages of this brochure. * This benefit can be taken up at anytime in the first year of your package. ANZ lending criteria, terms, conditions and fees apply to all ANZ credit cards. ANZ OE PACKAGE Once you make the decision to go on your OE, this package has special benefits to help you plan and save for your OE, and manage your money while you re away. An ANZ Go account with no monthly account fee to manage your money in New Zealand while you re away. Option to open an ANZ Foreign Currency Account. Get an ANZ Travel Card and preload it with one of four currencies; Australian dollars, US dollars, Euro or British Pounds. Helpful information and tips on banking and travel to ensure your OE is a success. Details are available from your nearest branch or contact us on Refer to page 9 for the ANZ Foreign Currency Account. For more information on Non-Standard which apply, refer to pages of this brochure. ANZ MIGRANT BANKING PACKAGE If you have a Work or Resident Visa and have been in New Zealand for less than 24 months, you can apply for the unique benefits of our ANZ Migrant Banking Package to help you get set up and settled in. Note: Work Visa of at least two years with minimum one year validity is required to be eligible. With this package, you can access: An ANZ Freedom or ANZ Go account. An ANZ Online account. An annual card fee waiver (including additional card fee) for one year on any one ANZ credit card product.* An ANZ Overdraft:** Pre-approved overdraft limit of $500 when gross salary is between $30,000 and $59,999. Pre-approved overdraft limit of $1000 when gross salary is above $60,000. UDC vehicle loan with a discount of 1.00% p.a. off the standard interest rate (minimum loan $10,000). An ANZ International Money Transfer issue fee discounted to $18 per transaction in branch (saving you $10 per transaction).^ A 15% insurance premium discount when two or more ANZ Asset Protector and/or ANZ Base Protect policies are taken out including home, contents, motor vehicle & boat cover.^^ For more information on Non-Standard which apply to * Customers must meet the eligibility criteria under the current migrant credit policy. ** Salary must be credited to an ANZ everyday account ^ Overseas bank charges may apply. ^^ Asset Protector and Base Protect cover is subject to underwriting criteria and is underwritten by Vero Insurance Limited. Full terms, conditions and exclusions apply. All other fees, terms and conditions for the above products & services apply. Package eligibility, account opening and lending criteria apply. are subject to change. ANZ FREEDOM YEARS PACKAGE A banking package with special benefits for customers who have National Superannuation (or equivalent) credited into their ANZ Freedom account. An ANZ Freedom account with no monthly account or transaction fees. An ANZ Visa Debit card with no annual card fee (when linked to an ANZ Freedom account). Your choice of an ANZ MasterCard or ANZ Visa with no annual account fee or a Gold credit card at half the annual account fee.* Freedom account fees No monthly account or transaction fees on the ANZ Freedom account. Monthly Overdraft Management fee % (min $5) Calculated as a percentage of the agreed overdraft limit or the overdrawn balance, whichever is greater. For more information on Non-Standard which apply, refer to pages of this brochure. * ANZ lending criteria, terms, conditions and fees apply to all ANZ credit cards. 4

5 and Charges A close look at our products and services Savings accounts ANZ SERIOUS SAVER A savings account that rewards your commitment to saving. Earn interest on every dollar. Premium interest each month you make no withdrawals and deposit $20 or more (not including credit interest) on or before the last business day of the month. Monthly account fee... nil Automated and manual deposit fee... nil Automated and manual withdrawal fee... $5 You won t pay for your first withdrawal, however to earn Premium interest, you need to make no withdrawals. Set up an automatic payment to deposit at least $20 each month and make no withdrawals so you earn Premium interest each month. For more information on Non-Standard which apply to ANZ ONLINE Access your money anytime and you ll still earn the full rate of interest. You earn a competitive interest rate on every dollar in your account. Access your money as often as you like through ANZ Internet Banking, Phone Banking and branches, and you ll still earn the full rate of interest. No monthly account fee or automated transaction fees. Monthly account fee... nil Automated and manual deposit fee... nil Automated withdrawal fee... nil Manual withdrawal fee... $3 Use ANZ Internet Banking and Phone Banking if you need to withdraw money from your account to avoid fees. ANZ READY SAVER A simple account that gives you ready access to your money. A higher rate of interest as your savings grow. The ability to set aside money for upcoming expenses, and still earn interest. The flexibility to access your money anytime you need. Interest rate tiers $0 $4,999 $5,000 + Monthly account fee... $2 Waived if average daily balance for the month is $500 or more. Automated and manual deposit fee... nil Automated and manual withdrawal fee... $1 Keep your average daily balance for the month above $500 and the monthly account fee will be waived. Have a balance of $5,000 or more to earn a higher rate of interest. For more information on Non-Standard which apply to Cards ANZ VISA DEBIT A Visa Debit card is like an EFTPOS card, only better as you can use it anywhere Visa is accepted using funds from your everyday or savings account. You can make purchases online, over the phone, overseas and in stores using funds from your everyday or savings accounts. Has a chip to keep your card details more secure. Access to Visa Entertainment. Annual card fee...$10 p.a. No charge when linked to an ANZ Freedom account. Replacement card fee... $15 For more information on Non-Standard which apply to 5

6 and Charges A close look at our products and services ANZ MASTERCARD/ANZ VISA The card for everyday use. Low annual account fee. Up to 55 interest-free days on purchases. Primary card fee...$30 p.a. Joint* or Additional card fee...$10 p.a. ANZ GOLD MASTERCARD/ANZ VISA GOLD The Gold card that is a great travel partner. Up to 55 interest-free days on purchases. Overseas Travel Insurance when you pay for at least half of your pre-paid travel expenses with your card.** Terms, conditions and exclusions apply. Primary card fee...$75 p.a. Joint* or Additional card fee...$25 p.a. Avoid transaction fees (except for cash advances see page 9 for details) on your everyday account by using your credit card to pay for groceries, bills etc. * Existing customers only. ** A policy document is available through any ANZ branch or by calling AIG on Overseas Travel Insurance is issued/insured by AIG Insurance New Zealand Limited. ANZ LOW RATE MASTERCARD The card that gives you a lower interest rate on purchases. Key benefit Low interest rate. Primary fee...$29 per half year Joint* or Additional card fee...$9 per half year With a low interest rate you could save on your interest payments. * Existing customers only. ANZ CASHBACK The card that rewards you with cash back. CashBack Rewards gives you up to 1% cash back on eligible purchases*, up to a maximum of $30,000 spend per CashBack year. Up to 55 interest-free days on purchases. Visa or MasterCard option. Primary fee...$60 p.a. Joint** or Additional card fee $10 p.a. Spend at least $5,000 on purchases (up to $30,000) in a 12 month period to qualify for CashBack Rewards. The CashBack year runs from the date of your first purchase for a 12 month period. Avoid transaction fees (except for cash advances see page 9 for details) on your everyday account by using your credit card to pay for groceries, bills etc. * Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions or business related expenditure. ** Existing customers only. ANZ CASHBACK PLATINUM The Platinum card that rewards you with cash back. CashBack Rewards gives you up to 1% cash back on eligible purchases* per CashBack year. Up to 55 interest-free days on purchases. Overseas Travel Insurance when you pay for at least half of your pre-paid travel expenses with your card.** Terms, conditions and exclusions apply. Visa or MasterCard option. Primary fee...$125 p.a. Joint^ or Additional card fee...$30 p.a. Spend at least $5,000 on purchases in a 12 month period to qualify for CashBack Rewards. The CashBack year runs from the date of your first purchase for a 12 month period. Avoid transaction fees (except for cash advances see page 9 for details) on your everyday account by using your credit card to pay for groceries, bills etc. * Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions or business related expenditure. 6 ** A policy document is available through any ANZ branch or by calling AIG on Overseas Travel Insurance is issued/insured by AIG Insurance New Zealand Limited. ^ Existing customers only.

7 and Charges A close look at our products and services ANZ AIRPOINTS VISA The card that helps you earn Airpoints Dollars faster. Earn 1 Airpoints Dollar for every $150 you spend on eligible purchases.* Your Airpoints Dollars don t expire while you re an account holder. No Airpoints joining fee (save $50). No annual Airpoints membership fee (save $30). Up to 50 Airpoints Dollars Advance (if you haven t earned quite enough Airpoints Dollars to redeem, you can get an Airpoints Advance).** Up to 44 interest-free days on purchases. Primary card fee...$32.50 per half year Joint^ or Additional card fee...$5 per half year Remember to use your ANZ Airpoints Visa for everyday purchases to earn as many Airpoints Dollars as possible. * Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions or business related expenditure. ** Air New Zealand Airpoints programme terms and conditions apply. Visit airnz.co.nz for more details. Airpoints and Airpoints Dollars are trademarks owned by Air New Zealand Limited. ^ Existing customers only. ANZ AIRPOINTS VISA PLATINUM The Platinum card that helps you earn Airpoints Dollars faster. The benefits of the ANZ Airpoints Visa, with some exclusive extras: You ll earn 1 Airpoints Dollar for every $90 you spend on eligible purchases*, plus 1 Status Point for every $250 you spend on eligible purchases.* No Koru joining fee (save $255) and a discounted annual Koru membership fee of $361 (usual price is $506).** You can get an Airpoints Advance of up to 200 Airpoints Dollars.** Overseas Travel Insurance when you pay for at least half of your pre-paid travel expenses with your card.^ Terms, conditions and exclusions apply Visa Platinum Privileges and Concierge Service. Commission-free foreign currency from any ANZ branch in New Zealand. Primary card fee until 30 September $62.50 per half year Primary card fee from 1 October $75 per half year Joint^^ or Additional card fee...$12.50 per half year Remember to use your ANZ Airpoints Visa Platinum for everyday purchases to earn as many Airpoints Dollars as possible. * Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions or business related expenditure. ** Air New Zealand Airpoints programme terms and conditions apply. Visit airnz.co.nz for more details. Airpoints and Airpoints Dollars are trademarks owned by Air New Zealand Limited. ^ A policy document is available through any ANZ branch or by calling AIG on Overseas Travel Insurance and Platinum Card Transport Accident Insurance are issued/insured by AIG Insurance New Zealand Limited. ^^ Existing customers only. QANTAS ANZ VISA The card that helps you earn Qantas Frequent Flyer points faster. Up to 44 interest-free days on purchases. Earn 1 Qantas Frequent Flyer point for every $1 you spend on eligible purchases* up to $10,000 per annum in a Points Year. After that earn 1 Qantas Frequent Flyer point for every $2 spent on eligible purchases in a Points Year. Primary card fee...$75 p.a. Joint** or Additional card fee...$40 p.a. A Points Year runs from 1 April to 31 March. Use your card for your everyday purchases to earn rewards faster. This also helps you to avoid transaction fees on your everyday account (except for cash advances see page 9 for details). * Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions or business related expenditure. ** Existing customers only. Points accrue in accordance with the Qantas ANZ Visa Reward Terms and Conditions. The Account Holder must be a member of the Qantas Frequent Flyer program to earn points and notify ANZ of their Qantas Frequent Flyer number. Membership and points are subject to the Qantas Frequent Flyer Terms and Conditions. A joining fee may apply. QANTAS ANZ VISA PLATINUM The card that you earn Qantas Frequent Flyer points faster. 7

8 and Charges A close look at our products and services Up to 44 interest-free days on purchases. Earn 1 Qantas Frequent Flyer point for every $1 you spend on eligible purchases* up to $30,000 p.a. in a Points Year. After that earn 1 Qantas Frequent Flyer point for every $2 spent on eligible purchases in a Points Year. Overseas Travel Insurance when you pay for at least half of your pre-paid travel expenses with your card.** Terms, conditions and exclusions apply. Visa Entertainment Platinum Privileges. Visa Platinum Concierge service. Commission-free foreign currency from any ANZ branch in New Zealand. Primary card fee...$150 p.a. Joint^ or Additional card fee...$50 p.a. A Points Year runs from 1 April to 31 March. Use your card for your everyday purchases to earn rewards faster. This also helps you to avoid transaction fees on your everyday account (except for cash advances see page 9 for details). * Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions or business related expenditure. ** A policy document is available through any ANZ branch or by calling AIG on Overseas Travel Insurance and Platinum Card Transport Accident Insurance are issued/insured by AIG Insurance New Zealand Limited. ^ Existing customers only. Points accrue in accordance with the Qantas ANZ Visa Reward Terms and Conditions. The Account Holder must be a member of the Qantas Frequent Flyer program to earn points and notify ANZ of their Qantas Frequent Flyer number. Membership and points are subject to the Qantas Frequent Flyer Terms and Conditions. A joining fee may apply. CREDIT CARD NON-STANDARD FEES Statement copy... $3 per copy Dispute handling fee... $15 Lost/Stolen card replacement... $10 per card (minimum) Urgent card delivery...courier fee (domestic and international) Replacement card...$10 per card Late payment fee... $15 Applies if the minimum monthly payment is not paid by the payment due date. Over limit fee... $15 Applies if you are over your credit card limit on your statement date. ANZ ATMs, Mobile Phone Banking, Phone Banking and Internet Banking... $1 Staff assisted... $3 Other bank ATMs... $3 Applies to each cash advance made at ASB, BNZ, HSBC, Kiwibank, TSB and Westpac ATMs. Cash Advance Fee overseas Overseas ATM and staff assisted... $5 Applies to all credit cards. Banks and other financial institutions who own overseas ATMs may charge a fee for using them. CREDIT CARD, VISA DEBIT AND EFTPOS CARD OPTIONAL SERVICE FEES Currency conversion charge...2.5% of the NZD amount Applies to foreign currency transactions. Includes transactions through the MasterCard, Maestro and Visa PLUS networks. Visa Debit and EFTPOS card standard fees EFTPOS card fee... no charge Visa Debit card fee...$10 p.a. No charge when linked to an ANZ Freedom account. Visa Debit and EFTPOS card Non-Standard Replacement card... $15 Urgent card delivery...courier fee (domestic and international) My Photo Card... no charge Foreign Currency Account A Foreign Currency Account is a New Zealand based bank account that is denominated in a currency other than New Zealand Dollars. Accounts are available in all major currencies, with minor currencies considered on request. Monthly account fee An account fee will be charged if you make any withdrawals in a calendar month. This account fee will be charged at the end of the month, and in the same currency as your account. Currency fee amount USD $4 AUD $4 GBP 3 EUR 3 JPY 350 CAD $4 Cash Advance Fee On credit and debit balances. All personal credit cards in New Zealand 8

9 and Charges A close look at our products and services Foreign Currency Term Deposit A Foreign Currency Term Deposit is a fixed term investment designed for those who want certainty of an interest rate that s fixed for the duration of the investment term and don t require their funds on call. No fees are charged for Foreign Currency Term Deposits however an adjustment to returns will apply if early repayment is required. Business Banking BUSINESS TRANSACTION ACCOUNTS A choice of two transaction fee plans gives you control over the fees you pay. Choose from: For more information visit your nearest branch, or contact us on Lending fees Home loan fees Application fee (owner occupied)...up to $500 Application fee (all other lending)...up to 1% of the loan amount Loan Top Up fee... $250 Redocumentation fee... $250 Low Equity Premium For lending where a loan amounts to 80% or more of a property s value Loan to value ratio... % of the loan amount charged 80.01% 85.00% % 85.01% 90.00% % Over 90.01% % Early repayment of fixed rate home loans Early Repayment Administration fee... $100 Early Repayment Recovery... net present value calculation Tideover home loan fees Application fee... $500 Extension fee... $500 Fee Monthly account fee Automated transaction fees (per transaction) Manual transaction fees (per transaction) Monthly facility fee $4 ANZ Business Current account PAYG (waived if your average daily balance for the month is $10,000 or more) $0.25 $0.15 Smart Plan $10 $4 (your first 50 automated transaction fees are waived each month) ANZ Business Flexible Facility PAYG (waived if your average daily balance for the month is $10,000 or more) $10 $0.25 $0.15 Smart Plan (your first 50 automated transaction fees are waived each month) $0.65 $0.55 $0.65 $0.55 N/A N/A % (min $5) calculated as a percentage of the agreed limit or overdrawn balance, whichever is greater. Reserving a fixed interest rate fee Reserving a fixed interest rate... free Non-utilisation Recovery... net present value calculation For more information on Non-Standard which apply to these accounts, refer to pages of this brochure. Security fees Security Execution fee... $100 Some transactions may also incur a Consent fee. Consent fee... $40 Some transactions may also incur a Security Execution fee. Additional documents... $10 per document Transfer security fee... $250 Security, Execution and Consent requests must be submitted at least two days prior to the day of settlement in order for the necessary documentation to be prepared, unless an urgent settlement has been arranged. Personal Loan fees Application fee... $250 Loan Top Up fee... $150 9

10 and Charges A close look at our products and services ANZ BUSINESS PREMIUM CALL ACCOUNT Combine premium rates of interest and access to your funds via internet, phone or in branch. Fee Monthly account fee Automated transaction fee Manual transaction fee ANZ Business Premium Call account* Nil Nil Nil * This is not a transaction account. For more information on Non-Standard which apply to ANZ NON-PROFIT ORGANISATION CURRENT ACCOUNT Non-profit organisations are exempt from payment of the following fees on one ANZ Non-profit Organisation Current account: Monthly account fees Automated and manual transaction fees Automatic and Bill Payment establishment, amendment and suppression fees Cash handling fees Cheque clearance fees. BUSINESS ACCOUNT SERVICE FEES Note, other Non-Standard may apply see pages of this brochure. Fee Cheque clearance fee Cash handling fee Deposits less than $3,000 per day Cash handling fee Deposits of $3,000 and over per business processing day ANZ Business Current account $0.25 per cheque deposited Waived ANZ Business Flexible Facility $0.25 per cheque deposited 0.25% of total cash deposited ANZ Business Premium Call account $0.25 per cheque deposited (one free cheque deposit per business day) BUSINESS OVERDRAFT FEES Overdraft application fee...a minimum amount of either $75 or 1% of the approved credit limit or increase, whichever is greater. (The Bank will advise the Customer if the application fee is higher than the minimum amount stated in this clause.) Monthly Overdraft Management fee % (min $5) (calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is greater). ANZ DIRECT ONLINE Option A Monthly access fee... $32 For each transaction in a credit batch... $0.20 For each transaction in a debit batch... $0.30 For each domestic funds transfer... $0.20 FOUR authentication devices provided, then $2 per device per month* Option B Monthly access fee... $15 For each transaction in a credit batch... $0.30 For each transaction in a debit batch... $0.35 For each domestic funds transfer... $0.30 THREE authentication devices provided, then $2 per device per month* Option C Monthly access fee... nil For each transaction in a credit batch... $0.45 For each transaction in a debit batch... $0.50 For each domestic funds transfer... $0.45 TWO authentication devices provided, then $2 per device per month* Applicable for all options Set-up fee... $100 International Money Transfers... $18 per transaction International Bank Drafts...$25 per transaction Same Day Cleared Payments...$5 per transaction Automatic Batch Payments...$5 for initial batch set up** View only Monthly Access Fee...nil*** Cross-bank reporting fee 1-15 accounts... $20 per month accounts... $100 per month accounts... $300 per month 300+ accounts...poa Balance and transaction statement information... free Real time balance and transaction reporting... free Credit Card Balance and reporting... free * Additional authentication devices can incur extra charges. ** Batch is then subject to normal transaction charges. *** Transaction processing not available. 10

11 and Charges A close look at our products and services Agri Banking ANZ AGRI CURRENT ACCOUNT The ANZ Agri Current account is a line of credit generally secured against your farm or livestock. Monthly account fee*... $12.50 Transaction fees (deposits/withdrawals)... nil Overdraft application fee % of the approved limit new or increased limit (min $100) Cash handling fee Deposits less than $3,000 per day... waived Deposits of $3,000 and over per business processing day % of total cash deposited * Non-Standard apply. Please refer to pages of this brochure. ANZ Private CURRENT ACCOUNT For clients who are eligible for the ANZ Private service, this account combines attractive interest rates with convenient access. Interest rate tiers* $0 $4,999 $5,000 + RESERVE ACCOUNT For clients who are eligible for the ANZ Private service, this savings account combines attractive interest rates with convenient access. FEES FOR CURRENT AND RESERVE ACCOUNT No monthly or transaction fees apply. For more information on the Non-Standard which may apply to these accounts (including Other Bank ATM fees) refer to pages of this brochure. * Interest is calculated on a split tiered basis where a rate is payable on the first $4,999 of your credit balance and another rate is applied to the balances $5,000 and above. Non-Standard Automatic Payments Set-up via staff in branch, over telephone or Bank Mail... $5 through ANZ Internet Banking... no charge Alterations to payments via staff in branch, over telephone or Bank Mail... $5 through ANZ Phone Banking... no charge through ANZ Internet Banking... no charge Bill Payments/Online Payments Set-up via staff in branch, over telephone or Bank Mail... $5 through Internet Banking... no charge Alterations to payee details... $5 No fees are charged to delete an Automatic, Bill Payment or Online Payment via staff in branch, telephone, Bank Mail or Internet Banking. Cheques Cheque stopped payment... $15 Special Answer fee... $25 The Special Answer fee is waived for ANZ customers seeking to deposit an ANZ cheque into their ANZ everyday or savings account. Image dishonour re-presentation fee... waived Re-presentation of a dishonoured cheque. Bank cheque...$5 Same Day Cleared Payment (SCP)...$25 Other bank deposits Other bank deposit fee... $15 For deposits into Business Accounts, Cash handling and cheque clearance fees may apply. Insufficient funds fees Dishonour fee... $20 Unpaid Bill Payment/Online Payment... $7.50 (due to insufficient funds) Customer service investigation $60 per hour (min $15) Replacement statement...$4 Voucher search Provision of images... $7.50 per item (min $15) Overdrafts Overdraft application fee... $25 This applies to new overdraft applications and applications to increase existing limits. Unarranged overdraft fee... $15 Charged per month, if you exceed your approved overdraft limit or your account becomes overdrawn by more than $20 for more than one day. This is in addition to debit interest. ANZ Internet Banking OnlineCode... no charge 11

12 and Charges A close look at our products and services ANZ Phone Banking Phone Banking calls... no charge* * If calling from overseas, standard international call charges apply. ANZ Mobile Phone Banking TXT Banking... no charge M-Banking... no charge gomoney... no charge There are no ANZ Mobile Phone Banking service fees. Standard mobile phone charges apply, depending on your mobile phone provider plan. If you have M-Banking you pay the data download rate for your mobile phone plan. ATM fees ANZ ATM fee... no charge Transaction fees may apply. Non-ANZ ATM fee... $1 Applies to each transaction and balance enquiry at ASB, BNZ, HSBC, Kiwibank and Westpac ATMs. Charged in addition to normal transaction fees. Overseas ATM fee... $5 Applies to withdrawals from current and savings accounts. Banks and other financial institutions who own overseas ATMs may charge a fee for using them. Staff assisted funds transfer (Commercial Customers only)... $15 Certificate of balance and interest Retail and Business Banking customers... $5 Commercial customers... $20 Auditor s Confirmation Report Retail and Business Banking customers... $65 Commercial customers 1-5 accounts... $ accounts... $ accounts... $ accounts... $ accounts... $300 Less than 48 hours notice of requirement for an Auditor s Confirmation Report attracts double the standard fee. Credit retrieval fee... $100 A credit retrieval fee may be charged when assisting a customer (on a best endeavours basis) to recover funds incorrectly paid to a third party s account. This fee applies irrespective of whether the funds are successfully recovered from the recipient of the payment. INTERNATIONAL SERVICES All fees per transaction unless otherwise stated: Travel money We sell: Foreign Cash Up to NZD $100 equivalent... $7 Over NZD $100 and up to NZD $1,000 equivalent... $12 NZD $1,000 equivalent and over...1.1% of value When debited from a Foreign We buy: Currency Account % of value (min $12) Foreign cash When converted to NZD... $5 When credited to a Foreign Currency Account % of value(min $12) Foreign currency funds transfer Via staff assistance in branch or over phone*: Issue... $28 Outward payments International Money Transfer Overseas bank charges may apply. Via ANZ Internet Banking International Services*: Issue... $18 Amendment... $18** Via ANZ Direct Online* Issue... $18 Amendment... $18** Via staff assistance in branch or over phone*: Issue... $28 Amendment... $28* Via any of the above options: Enquiry... charge may apply** Where beneficiary is claiming non-receipt of funds... $50 Cancellation ANZ will make every attempt to return funds, however the beneficiary may have already been paid... $50** International Bank Draft Overseas bank charges may apply. Via ANZ Direct Online: Issue... $25 Via staff assistance in branch or over phone*: Issue... $30 Reissue/replacement**... $30 Stop Payments^... $30 12

13 and Charges A close look at our products and services INWARD PAYMENTS Payments credited to an ANZ account^^... $15 NZD or foreign currency equivalent. Payments credited to a non-anz bank account in New Zealand dollars or foreign currency... $27 Payments in New Zealand dollars credited to an account outside of New Zealand... $35 Foreign Cheques Deposit of foreign cheques When credited to a NZD account #... $15 per deposit When credited to a Foreign Currency Account #... $20 per deposit Sent for collection (if you need to ensure cleared funds)... $75 * Plus any applicable exchange rate fluctuation. ** A $50 fee may apply in some circumstances, please check with our staff. ^ ANZ can only provide this service if the draft has not already been paid, re-issued or replaced. ^^ No fee charged for payments under NZD$75 equivalent. # Our lending criteria apply. This brochure is a summary only. The details are subject to change. For more information and full details on our accounts and packages, including terms and conditions, contact your nearest ANZ branch. Our lending criteria apply. Some accounts and/or customers may qualify for fee waivers. A copy of the Bank s Term Deposit Investment Statement, General Terms and Conditions and current Disclosure Statement under the Reserve Bank of New Zealand Act 1989 are available from any ANZ branch of ANZ Bank New Zealand Limited. ANZ Bank New Zealand Limited. 13 ANZ /13

Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO

Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO and Charges A close look at our products and services CONTENTS Saving money on your banking... 1 Everyday accounts... 1 Packages... 2 Savings accounts... 5 Cards... 6 Foreign Currency Account... 9 Foreign

More information

Fees and Charges Effective 17 April 2016

Fees and Charges Effective 17 April 2016 Effective 17 April 2016 Contents Saving money on your banking...1 Everyday accounts...2 Savings accounts... 3 Term Deposits and Foreign Currency Term Deposits...4 ANZ Freedom Years Package... 4 ANZ Migrant

More information

ANZ Airpoints Visa WELCOME GUIDE

ANZ Airpoints Visa WELCOME GUIDE ANZ Airpoints Visa WELCOME GUIDE Introducing the ANZ Airpoints Visa and the ANZ Airpoints Visa Platinum, the credit cards that reward you with Air New Zealand Airpoints Dollars. The ANZ Airpoints Visa

More information

Westpac Everyday Banking. Transaction and service fees.

Westpac Everyday Banking. Transaction and service fees. Westpac Everyday Banking Transaction and service fees. As at 30 July 2015 Hints to reduce account costs Online banking With online banking, access is free and you have control to pay your bills, view your

More information

Westpac Everyday Banking. Transaction and service fees.

Westpac Everyday Banking. Transaction and service fees. Westpac Everyday Banking Transaction and service fees. As at 19 November 2015 Hints to reduce account costs Online banking With online banking, access is free and you have control to pay your bills, view

More information

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective 10 November 2016

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective 10 November 2016 Fees n Limits. Personal Banking fees and limits Effective 10 November 2016 It s Ours. b What s Inside Here. Everyday, savings and investment accounts Overdraft facility Credit cards International accounts

More information

Retail Banking and Wealth Management Fees and Charges. with effect from 1 October 2013

Retail Banking and Wealth Management Fees and Charges. with effect from 1 October 2013 Retail Banking and Wealth Management Fees and Charges with effect from 1 October 2013 About this guide At HSBC we want to make it easy for you to know what fees and charges apply to the HSBC financial

More information

Personal account, service and facility fees.

Personal account, service and facility fees. Personal account, service and facility fees. This brochure contains certain key information required by the Credit Contracts and Consumer Finance Act 2003. 6 June 2015 Account fees. Account fees are charged

More information

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective 11 June 2015

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective 11 June 2015 Fees n Limits. Personal Banking fees and limits Effective 11 June 2015 It s Ours. a What s Inside Here. Everyday, savings and investment accounts Overdraft facility Credit cards International accounts

More information

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective 1 April 2016

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective 1 April 2016 Fees n Limits. Personal Banking fees and limits Effective 1 April 2016 It s Ours. a What s Inside Here. Everyday, savings and investment accounts Overdraft facility Credit cards International accounts

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

ANZ Personal Banking ACCOUNT FEES AND CHARGES

ANZ Personal Banking ACCOUNT FEES AND CHARGES ANZ Personal Banking ACCOUNT FEES AND CHARGES 23.02.2015 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Lending Fees & Charges

Lending Fees & Charges Lending Fees & Charges Effective Date: 1 July 2015 All credit fees and charges to any credit facilities regulated by the National Credit Code will be set out in the financial table of your credit contract.

More information

Personal account, service and facility fees.

Personal account, service and facility fees. Personal account, service and facility fees. This brochure contains certain key information required by the Credit Contracts and Consumer Finance Act 2003. 1 December 2014 Account fees Account fees are

More information

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective March 2015

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective March 2015 Fees n Limits. Personal Banking s and limits Effective March 2015 It s Ours. ab What s Inside Here. Everyday accounts, savings accounts and investments Credit cards Home loans International accounts and

More information

Business Banking Fees and Limits

Business Banking Fees and Limits Business Banking Fees and Limits Effective June 2015 a What s Inside Here. 1 Our fees 2 Transaction account, savings accounts and investments 9 International accounts and services 12 Business lending 16

More information

managed loans FEES AND LIMITS

managed loans FEES AND LIMITS managed loans FEES AND LIMITS Effective November 2014 Fees and Limits New Zealand Home Loans is committed to helping you and your family become debt free, faster. To help you do this, New Zealand Home

More information

Account and service fees for your Business and Agribusiness.

Account and service fees for your Business and Agribusiness. Account and service fees for your Business and Agribusiness. 1 September 2015 Account fees Account fees Account fees are subject to change at any time. Where applicable, account fees are in addition to

More information

ANZ CashBack. programme guide

ANZ CashBack. programme guide ANZ CashBack programme guide CashBack rewards you for purchases you make with your CashBack card. Using your card CashBack Rewards CashBack rewards you for purchases you make with your CashBack card.

More information

Transaction Accounts Fees and Charges

Transaction Accounts Fees and Charges Transaction Accounts Fees and Charges ANZ BUSINESS BANKING 28.08.2015 For ANZ Business Advantage Accounts, ANZ Business Extra Accounts, ANZ Business Classic Accounts (ii) ANZ Business Extra 50 Accounts

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products s we charge for consumer mortgage lending products Effective July 2015 Section 1: Understanding fees and charges When we may charge fees The Commonwealth Bank charges fees for administering your account

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products s we charge for consumer mortgage lending products Effective February 2016 Section 1: Understanding fees and charges When we may charge fees The Commonwealth Bank charges fees for administering your account

More information

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans.

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Welcome home Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Smart move With the right advice from your mortgage broker and a smart, flexible home

More information

ANZ Bank New Zealand Limited ANZ17881

ANZ Bank New Zealand Limited ANZ17881 ANZ Credit Card Conditions of Use Effective 9 December 2015 This document sets out your ANZ Credit Card s terms and conditions In this document we ve explained the terms and conditions applying to your

More information

Get in touch. Personal banking support for your personal economy

Get in touch. Personal banking support for your personal economy Get in touch Visit HSBC s Premier Centre Call 1300 131 605 or +61 2 9005 8114 (overseas), Monday Friday, 8am 8pm (AEST) hsbcpremier.com.au Personal banking support for your personal economy Issued by HSBC

More information

Account and service fees for your Business and Agribusiness.

Account and service fees for your Business and Agribusiness. Account and service fees for your Business and Agribusiness. January 2016 Account fees Account fees Account fees are subject to change at any time. Where applicable, account fees are in addition to all.

More information

ANZ Credit Cards CONDITIONS OF USE

ANZ Credit Cards CONDITIONS OF USE ANZ Credit Cards CONDITIONS OF USE EFFECTIVE 5 OCTOBER 2015 ANZ Credit Cards Conditions of Use These Conditions of Use (as amended from time to time) govern the use of your ANZ Visa card, ANZ Visa Gold

More information

MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ

MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ We are proud to offer MAS Members a comprehensive range of banking solutions. Whether you are buying your first home, building your property portfolio,

More information

Schedule of Fees and Charges

Schedule of Fees and Charges Citibank Accounts Schedule of Fees and Charges Transaction and Savings Accounts Effective 3 March 2014 Schedule of Fees and Charges What is the Schedule of Fees and Charges? This Schedule of Fees and Charges

More information

Schedule of Fees and Charges for other Suncorp Personal Accounts

Schedule of Fees and Charges for other Suncorp Personal Accounts Schedule of Fees and Charges for other Suncorp Personal s Effective Date: 22 November 2014 The following are no longer available for new accounts or for account changes. Fee description Monthly account

More information

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective 27 July 2016

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective 27 July 2016 Fees n Limits. Personal Banking fees and limits Effective 27 July 2016 It s Ours. a What s Inside Here. Everyday, savings and investment accounts Overdraft facility Credit cards International accounts

More information

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Credit Union Australia Limited (ABN 44 087 650 959) SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Prepared 7 January 2016 At CUA, we regularly review our fees to ensure we remain competitive

More information

Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages

Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Effective Date: 22 November 2014 The following home loans are no longer available for new loans. Fee or Charge Description Professional

More information

Fees & Charges Deposit Accounts

Fees & Charges Deposit Accounts Fees & Charges Deposit s Effective Date 6 October 2014 Section A Section B Section C Section D Section E Section F Personal Fees & Charges Business Fees & Charges Other Fees & Charges Government Fees &

More information

ANZ PERSONAL BANKING

ANZ PERSONAL BANKING ANZ PERSONAL BANKING ACCOUNT FEES AND CHARGES 01.07.2016 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

A guide to fees and charges

A guide to fees and charges A guide to fees and charges Personal banking fees Effective 26 October 2015 2 Contents Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 Transaction and Savings Accounts NAB Transaction and Savings

More information

RURAL BANK SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015

RURAL BANK SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015 RURAL BANK SCHEDULE OF FEES AND CHARGES Effective date: 1 November 2015 Rural Bank Schedule of Fees and Charges This booklet forms part of the Rural Bank Accounts Terms and Conditions for the following

More information

Fees & Charges. Effective 1 July 2015

Fees & Charges. Effective 1 July 2015 Effective 1 July 2015 Contains for Personal Transaction and Savings Accounts, Term Investment Accounts, Business Transaction and Savings Accounts, Loans and Access Facilities (including EFT Access Facilities).

More information

smile current accounts account charges

smile current accounts account charges smile current accounts account charges 1 Your guide to the charges on smile current accounts The services, charges and rates detailed are effective from 5 July 2015. We can vary or amend these charges

More information

Healthy Banking Account

Healthy Banking Account This booklet forms part of the Healthy Banking Account Product Disclosure Statement Financial services provided by ANZ Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL: 234527 Healthy

More information

Lending Fees and Charges. Effective from 20 July 2015.

Lending Fees and Charges. Effective from 20 July 2015. Lending Fees and Charges Effective from 20 July 2015. About this brochure These fees and charges are applicable at the time of printing and are subject to change. We recommend you confirm that you have

More information

SCHEDULE OF CHARGES HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING

SCHEDULE OF CHARGES HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING SCHEDULE OF CHARGES HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING New schedule of charges is effective 1 January 2015. Applicable to HSBC Bank Egypt only General Conditions: 1- The Bank reserves the

More information

Online Savings Account Key Features Statement

Online Savings Account Key Features Statement Online Savings Account Online Savings Account Key Features Statement newcastlepermanent.com.au Newcastle Permanent Building Society Ltd ACN 087 651 992 Australian Financial Services Licence / Australian

More information

ANZ PERSONAL BANKING

ANZ PERSONAL BANKING ANZ PERSONAL BANKING ACCOUNT FEES AND CHARGES 29.02.2016 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Account Charges Leaflet

Account Charges Leaflet Account Charges Leaflet Your guide to charges you can expect on your Co-operative Bank Personal Current Accounts and any savings account linked to a Privilege Account, Privilege Premier Account or Current

More information

AMP Bank. Deposit products fees and charges guide

AMP Bank. Deposit products fees and charges guide Bank Deposit products fees and charges guide Effective date: 17 August 2015 This guide outlines the fees and charges for Bank deposit products. If you have any questions call Bank on 13 30 30 or speak

More information

Lending Fees and Charges. Effective from 20 May 2016

Lending Fees and Charges. Effective from 20 May 2016 Lending Fees and Charges Effective from 20 May 2016 2 Suncorp Bank About this brochure These fees and charges are applicable at the time of printing and are subject to change. We recommend you confirm

More information

Personal deposit accounts.

Personal deposit accounts. Papua New Guinea Personal deposit accounts. Features, fees and charges. Effective November 2009 2 Contents Personal accounts 4 Fees 4 Features 4 Transactional Fees 6 Standard banking product charges 8

More information

Changes to your Bank of Queensland Credit Card

Changes to your Bank of Queensland Credit Card Changes to your Bank of Queensland Credit Card Contents Page Change of name 3 Interest Repayments 3 Fees and charges 4 Rewards 5 Additional benefits and protections 7 Account features and access 7 Additional

More information

Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions.

Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions. Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions. Effective as at 01 July 2015 1 Your Bank The advisory services and the banking products you ll find in this

More information

AMP Bank. Deposit Products Fees and Charges Guide

AMP Bank. Deposit Products Fees and Charges Guide Bank Deposit Products Fees and Charges Guide Effective date: 18 August 2014 This guide outlines the fees and charges for Bank deposit products. If you have any questions call Bank on 13 30 30 or speak

More information

ACCESSING YOUR MONEY OVERSEAS.

ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY, ANYTIME, ANYWHERE No matter where you re going, you ll need easy, secure access to your money. Travel Money Card A prepaid MasterCard that lets you

More information

Tariff of Charges - Banking Services

Tariff of Charges - Banking Services Accounts & Deposits Issuing a statement of account (Monthly for Current accounts - Half yearly for Savings) From Free of charge To QAR 10.00 Free of charge Free of charge Issuing a duplicate statement:

More information

AMP Bank. Home loan fees and charges guide

AMP Bank. Home loan fees and charges guide AMP Bank Home loan fees and charges guide Effective date: 17 August 2015 This guide outlines the fees and charges for AMP Bank home loan accounts. For information on fees and charges for our deposit accounts

More information

Schedule of Fees and Charges for other Suncorp Business Accounts

Schedule of Fees and Charges for other Suncorp Business Accounts Schedule of Fees and Charges for other Suncorp s Effective Date: 22 November 2014 The following are no longer available for new accounts or for account changes. Fee description Monthly account keeping

More information

ANZ Credit Cards CONDITIONS OF USE

ANZ Credit Cards CONDITIONS OF USE ANZ Credit Cards CONDITIONS OF USE EFFECTIVE 9 DECEMBER 2015 ANZ Credit Cards Conditions of Use These Conditions of Use (as amended from time to time) govern the use of your ANZ Visa card, ANZ Visa Gold

More information

Suncorp Bank Personal Deposit Accounts Product Information Document

Suncorp Bank Personal Deposit Accounts Product Information Document Suncorp Bank Personal Deposit Accounts Product Information Document This document contains information on Suncorp Bank Personal Deposit Accounts Kids Savings Account, Everyday Basics Account, Everyday

More information

ANZ Business Preferred MasterCard CARDHOLDER TERMS AND CONDITIONS

ANZ Business Preferred MasterCard CARDHOLDER TERMS AND CONDITIONS ANZ Business Preferred MasterCard CARDHOLDER TERMS AND CONDITIONS General Conditions ANZ Business Preferred MasterCard Cardholder Terms and Conditions These Terms and Conditions (as amended from time

More information

Deposit Accounts & Services For Individuals. Deposits Guide

Deposit Accounts & Services For Individuals. Deposits Guide Deposit Accounts & Services For Individuals Deposits Guide WELCOME TO DBS Thank you for choosing to bank with DBS. We look forward to meeting all your banking needs, giving you a delightful experience.

More information

Fees and charges. UniBank is a division of Teachers Mutual Bank Limited

Fees and charges. UniBank is a division of Teachers Mutual Bank Limited Fees and charges UniBank is a division of Teachers Mutual Bank Limited Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981 Contents Introduction 3 Transaction fees 4 Payment

More information

Deposit Accounts for Business Customers

Deposit Accounts for Business Customers Deposit Accounts for Business Customers Terms and Conditions. Effective as at 1 July 2015. This booklet contains information on the following Deposit Accounts for Business Customers Currently available

More information

Institutional Financial Services ( IFS ) and Corporate Product Disclosure Statement ( PDS ) Fees

Institutional Financial Services ( IFS ) and Corporate Product Disclosure Statement ( PDS ) Fees Institutional Financial Services ( IFS ) and Corporate Product Disclosure Statement ( PDS ) Fees Version: October 2008 This PDS is part 2 of 2 of the PDS for the following products: ANZ Corporate Transaction

More information

Personal financial services charges - your guide. including small business

Personal financial services charges - your guide. including small business Personal financial services charges - your guide including small business 12 March 2014 Contents About this guide... 2 Important Information... 2 A: PRODUCT RELATED FEES AND CHARGES 1. Savings and Investment

More information

Deposit accounts for personal customers

Deposit accounts for personal customers Deposit accounts for personal customers (no longer available for sale) Terms and conditions Effective as at 24 October 2014 1 Terms and Conditions This booklet sets out the Terms and Conditions of your

More information

Contents. Introduction 3. Transaction fees 4. Payment services 8. Cards 10. Loans and overdrafts 11. Overseas services 14.

Contents. Introduction 3. Transaction fees 4. Payment services 8. Cards 10. Loans and overdrafts 11. Overseas services 14. Fees and charges Contents Introduction 3 Transaction fees 4 Payment services 8 Cards 10 Loans and overdrafts 11 Overseas services 14 Other fees 15 Introduction This brochure contains our fees and charges

More information

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015 SCHEDULE OF FEES AND CHARGES Effective date: 1 November 2015 Contents This booklet forms part of the Banking s Terms and Conditions for the following products: Everyday Everyday Retirement Gold Cash Management

More information

Contents. Section 1: Introduction... 1 Section 2: Fees and Charges... 3. 1. Savings and Investment Accounts... 3

Contents. Section 1: Introduction... 1 Section 2: Fees and Charges... 3. 1. Savings and Investment Accounts... 3 Contents Section 1: Introduction... 1 Section 2: Fees and Charges... 3 1. Savings and Investment Accounts... 3 1.1 Demand Deposit Accounts #... 3 1.2 Cheque Accounts #... 4 1.3 Overseas Student Accounts

More information

Fees and Charges. www.homelend.net.au

Fees and Charges. www.homelend.net.au Fees and Charges The fees in this home loan fees and charges brochure may be applicable to HomeLend Home Line, HomeLend Term Loan and HomeLend 100% Offset Home Loan accounts. All information is correct

More information

Moving to Australia? Choose the bank more Australians choose.

Moving to Australia? Choose the bank more Australians choose. Moving to Australia? Choose the bank more Australians choose. Contents Welcome to the Commonwealth Bank of Australia. 3 International service, local knowledge. 3 Set up your banking before you arrive.

More information

Account Charges Leaflet

Account Charges Leaflet Account Charges Leaflet Your guide to charges you can expect on your Current Account, Current Account Plus, Student Current Account, Privilege and Privilege Premier Current Account The services, charges

More information

ANZ EFTPOS card and ANZ Visa Debit card

ANZ EFTPOS card and ANZ Visa Debit card ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use Where to find things in this document What you need to know about these Conditions of Use...1 How to contact us...1 A glossary of the terms we

More information

Westpac Credit Cards. Credit cards

Westpac Credit Cards. Credit cards Westpac Credit Cards Credit cards As at 15 November 2013 You can buy the things you need now and pay off your card in a flexible way later. Contents 4 What do you get with a Westpac credit card? 6 Which

More information

Deposit accounts for personal and self-managed superannuation fund customers. Terms and conditions

Deposit accounts for personal and self-managed superannuation fund customers. Terms and conditions Deposit accounts for personal and self-managed superannuation fund customers Terms and conditions Effective as at 3 February 2015 Terms and Conditions This booklet sets out the Terms and Conditions of

More information

Fees & Charges For UOB Deposit Accounts and Services

Fees & Charges For UOB Deposit Accounts and Services Fees & Charges For UOB Deposit Accounts and Services Content 2 1. ACCOUNT CHARGES SGD Deposit Accounts - Savings / Fixed Deposits 03 SGD Deposit Accounts - Current and Children 04 Foreign Currency Accounts

More information

Visa Company Card CONDITIONS OF USE

Visa Company Card CONDITIONS OF USE Visa Company Card CONDITIONS OF USE This guide is current as at April 2015. This document is a legal contract between you and ANZ Bank New Zealand Limited in respect of the issue, and use of, Visa Company

More information

Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL

Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL Travel and Foreign Exchange We provide a one-stop-shop for all your foreign exchange needs, making it easy for you to manage your

More information

Moving to Australia? Choose the bank more Australians choose.

Moving to Australia? Choose the bank more Australians choose. Moving to Australia? Choose the bank more Australians choose. Contents Welcome to the Commonwealth Bank of Australia 3 International service, local knowledge 3 Set up your banking before you arrive 4 Great

More information

Deposit Accounts & Services For Individuals

Deposit Accounts & Services For Individuals Neighbours first, bankers second. Deposits Guide Deposit Accounts & Services For Individuals WELCOME TO POSB Thank you for choosing to bank with POSB. We look forward to meeting all your banking needs,

More information

Small Business Banking. It s your business

Small Business Banking. It s your business Small Business Banking It s your business No matter what stage your business is at, the right partnerships can make all the difference. Whether you ve got a great business idea, wanting to expand or just

More information

Commercial Service Charges/ Statement of Disclosure

Commercial Service Charges/ Statement of Disclosure Commercial Service Charges/ Statement of Disclosure Account Services HSBC BusinessVantage Account Package Interest-bearing chequing account package in Canadian or US dollars that pays tiered interest.

More information

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts CREDIT CARDS AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts We all have different plans in life. Your personal finances, your way. At Bank of Melbourne, our commitment to you starts with

More information

castles Proudly Supported by Westpac Premier Advantage Package

castles Proudly Supported by Westpac Premier Advantage Package castles Proudly Supported by Westpac Premier Advantage Package Thank you for considering Westpac. We aim to delight our customers and earn all of their business. That s why we created the Premier Advantage

More information

A guide to fees and charges

A guide to fees and charges A guide to fees and charges Personal banking fees Effective 22 January 2010 Contents Section 1 Section 2 Section 3 Section 4 Section 5 Transaction and Savings Accounts NAB Transaction and Savings Accounts

More information

Visa Corporate Card and Visa Purchasing Card Guide

Visa Corporate Card and Visa Purchasing Card Guide Visa Corporate Card and Visa Purchasing Card Guide Contents Getting Started 1 Sign Your Card Now 1 2 Your Pin 1 3 Your Credit Limit 1 4 Transaction Limits 1 5 Fees 1 Using Your Card 1 Card Transactions

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products Fees we charge for consumer mortgage lending products Effective October 2009 This booklet provides information on the fees we may charge when you purchase any of the following consumer mortgage lending

More information

General Service Fees and Charges

General Service Fees and Charges General Service Fees and Charges ANZ BUSINESS BANKING 28.08.2015 Contents General Banking Agent Deposit Books 4 2 3 Bank Cheques 4 Certificates Supplied 4 Custodial Services 4 Miscellaneous Service Fee

More information

Tariff of Charges Banking Services

Tariff of Charges Banking Services Accounts & Deposits Issuing a statement of account (Monthly for Current accounts Half yearly for Savings) Issuing a duplicate statement: Current year's statement up to 5 years (for each statement) QAR

More information

QTMB Fees and Charges. Prepared and effective on 13 January 2014

QTMB Fees and Charges. Prepared and effective on 13 January 2014 QTMB Fees and Charges Prepared and effective on 13 January 2014 Introduction At QTMB, you can have as many accounts as you like under the one membership, with the benefits of one statement, one membership

More information

SMALL BUSINESS BANKING FEES

SMALL BUSINESS BANKING FEES SMALL BUSINESS BANKING FEES ALL YOU NEED TO KNOW Welcome to a different kind of banking The Co-operative Bank is the only bank in New Zealand to share its profits with its customers. We re truly different

More information

Credit Card - How your ANZ Credit Card works

Credit Card - How your ANZ Credit Card works anz.com/vietnam Item No. SPB004 DATE 01.2013 ANZ Signature Priority Banking Visa Platinum Credit Card - How your ANZ Credit Card works How your ANZ Credit Card works 01/2013 1 2 1-2 ANZ credit cards fulfil

More information

Addendum to HSBC Consumer Deposit (excluding Certificate of Deposit) Terms & Charges Disclosure

Addendum to HSBC Consumer Deposit (excluding Certificate of Deposit) Terms & Charges Disclosure Addendum to HSBC Consumer Deposit (excluding Certificate of Deposit) Terms & Charges Disclosure Effective November 2, 2015, HSBC Bank USA, N.A. no longer issues official bank checks in foreign currency.

More information

Personal Service Charges Effective date: June 30, 2015 Statement of Disclosure

Personal Service Charges Effective date: June 30, 2015 Statement of Disclosure 1. HSBC Premier HSBC Premier is designed to give our customers recognition and benefits whether at home or abroad. It s important that you understand exactly how HSBC Premier works. We ve created this

More information

Commercial Service Charges/ Statement of Disclosure

Commercial Service Charges/ Statement of Disclosure Commercial Service Charges/ Statement of Disclosure Account Services HSBC BusinessVantage 2 Account Package Interest-bearing chequing account package in Canadian or US dollars that pays tiered interest.

More information

Suncorp Wealth Cash Management Account Product Information Document

Suncorp Wealth Cash Management Account Product Information Document Suncorp Wealth Cash Management Account Product Information Document This document contains information about the Suncorp Wealth Cash Management Account. This document must be read in conjunction with the

More information

Lending Fees & Charges

Lending Fees & Charges Lending Fees & Charges Effective Date: 12 December 2016 All credit fees and charges to any credit facilities regulated by the National Credit Code will be set out in the financial table of your credit

More information

Deposit accounts for personal and self-managed superannuation fund customers. Terms and conditions

Deposit accounts for personal and self-managed superannuation fund customers. Terms and conditions Deposit accounts for personal and self-managed superannuation fund customers Terms and conditions Effective as at 30 September 2013 Important Notice to Customers Effective 1st January 2014, the document

More information

ready, steady, take off

ready, steady, take off ready, steady, take off Welcome to your Airpoints credit card All the key information you need to know about your Air New Zealand Airpoints Platinum MasterCard. Important information Your Air New Zealand

More information

WHICH IS FOR ME? HOME LOANS MADE EASY

WHICH IS FOR ME? HOME LOANS MADE EASY WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described

More information

Section 1: Introduction

Section 1: Introduction Contents Section 1: Introduction Section 1: Introduction... 2 Section 2: Fees and Charges... 3 1. Transaction, Savings and Investment Accounts... 3 1.1 Chinese Currency (CNY) Transaction Account... 3 1.2

More information