TSB Bank New Zealand | Personal & Business Banking

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Confirmation of Payee

A safer way to pay. Find out what it means for you.

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.

5.19 % p.a.

fixed for 1 year

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4.99 % p.a.

fixed for 2 years

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6.89 % p.a.

variable rate

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TSB's standard lending criteria, T&Cs, and fees apply. Min. 20% deposit.

Apply online Enquire now

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!

4.35 % p.a.

for 6 months

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4.40 % p.a.

for 9 months

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4.20 % p.a.

for 12 months

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Conditions apply. Min deposit $1k.

Term Investment

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.

Set up Apple Pay

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.

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TSB Low rate Mastercard and Platinum Mastercard

Save $150 with Tower today

Get $150 off award-winning eligible house insurance with our trusted partner Tower. Use promo code HOUSE150*

Ts&Cs and eligibility criteria apply

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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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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.

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Latest news

Fees & Rates

3 March 2025

Business, Rural and Commercial base rate changes - March 2025

Effective 3 March 2025, changes to our Business, Rural and Commercial base rate.

Read more
Fees & Rates

24 February 2025

Lending rate changes - 24 February 2025

Effective 24 February 2025, decreased our residential variable and revolving credit interest rates.

Read more
Fees & Rates

24 February 2025

Non-retail lending rates changes – 24 February 2025

Effective 24 February 2025, we decreased our AgriBusiness, Commercial and Business variable and revolving credit interest rates.

Read more

Putting it right

TSB is conducting an overdraft remediation. For more information, click here.

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.

Discover more

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.

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Invest

Watch your money grow. With great interest rates, term deposits and accessible investment accounts, you can decide how your money grows.

Investing with TSB

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.

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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.

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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.

Find out more

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.

Learn more

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.

5.19 % p.a.

fixed for 1 year

View all rates

4.99 % p.a.

fixed for 2 years

View all rates

6.89 % p.a.

variable rate

View all rates

TSB's standard lending criteria, T&Cs, and fees apply. Min. 20% deposit.

Apply online Enquire now

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!

4.35 % p.a.

for 6 months

View all rates

4.40 % p.a.

for 9 months

View all rates

4.20 % p.a.

for 12 months

View all rates

Conditions apply. Min deposit $1k.

Open a term investment View rates

Low Rate and Platinum Mastercard

Choose between our lowest rate credit card, and our best card for cashback rewards.

Apply now View rates

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.

Join us View rates

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.

Loan Amount

Loan Term

Interest Rate

Enter custom rate instead

Repayment Frequency

Foreign exchange

Currency calculator

Get your money sorted before you head off so there's one less thing to think about when you pack.

Go to currency calculator

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.

Apply online Enquire now

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