The voice of the banking industry working to support a successful banking system that benefits New Zealand

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Code of Banking Practice

Code of Banking Practice

The Code of Banking Practice sets out good banking practices. Members of the New Zealand Bankers' Association agree to observe these practices as a minimum standard to maintain good relationships and communications with their customers.

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Financial literacy

Financial literacy

Financial literacy is the cornerstone of a healthy and vibrant economy and is strongly supported by the New Zealand banking sector. It helps people make informed choices to improve their financial well-being.

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Priority documents (Personal Property Securities Act 1999)

Priority documents (Personal Property Securities Act 1999)

Member banks of the Association have agreed a number of standard form Deeds and Letters of Priority that can be used where two or three lenders have competing interests in a debtor's land or personal property.

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Code of Banking Practice
Financial literacy
Priority documents

Banks employ over 25,000 people in NZ * In 2014 banks directly contributed $6.6 billion to the NZ economy *

In 2014 banks spent $4.8 billion running their businesses in NZ * In 2014 banks paid $1.8 billion in tax * NZ banks have an asset base of $424 billion * In 2014 the return on assets was 1.17% *

NZ has over 1100 bank branches * NZ has over 2500 bank ATMs *

Banks’ average net interest margin in 2014 was 2.24%, down from 2.6% in 2003 *

NZ banks have an average total capital adequacy ratio of 12.6% *

Loans to business at December 2014 totalled $137 billion *

Loans to households at December 2014 totalled $211 billion *

34% of NZ households have a mortgage *

There were 1.47 million home loans in NZ at December 2014 *


You and your US tax obligations

Find out about the US Foreign Account Tax Compliance Act and how it might affect you here.  

You and the money laundering law

All New Zealand banks have introduced enhanced customer identification requirements. Find out more here

Supporting our farmers

Information about how how banks can help farmers through tough times is available here

Are you ready for retirement? 

The Retirement Commissioner talks to Kiwis about their retirement plans here. What's your story? See more here, and check out Sorted

Unravelling Financial Jargon

This free e-book offers plain language alternatives to explain the specialist language of the financial sector. Download Unravelling Financial Jargon.

Open Bank Resolution

Learn about the Reserve Bank's OBR policy here

Media releases

Be smart and play your part for safer banking


The New Zealand Bankers’ Association (NZBA) is encouraging people of all ages to be vigilant in protecting their personal information and finances as part of New Zealand’s Safer Internet Day.

Download document on Be smart and play your part for safer banking

More about Be smart and play your part for safer banking »


Banking fraud or online scam?


Eventually you work out this is a scam and stop the payments. Surely your bank will reimburse your losses under its fraud guarantee? Think again. Any online scam is not necessarily the same as banking fraud.

Download document on Banking fraud or online scam?

More about Banking fraud or online scam? »

Contact Us

New Zealand Bankers' Association

Telephone: 04 802 3358
Facsimile: 04 473 1698

Level 15
80 The Terrace

P O Box 3043
Wellington 6140


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Our Members

ANZ Bank New Zealand Limited ASB Bank Limited Bank of China (New Zealand) Limited Bank of New Zealand The Bank of Tokyo-Mitsubishi UFJ, Ltd. Citibank, N A The Co-operative Bank Limited Heartland Bank Limited The Hongkong and Shanghai Banking Corporation Limited JPMorgan Chase Bank, N A Kiwibank Limited Rabobank New Zealand Limited Southland Building Society TSB Bank Limited Westpac New Zealand Limited

Our Affiliate Members

Buddle Findlay Chapman Tripp Indue MasterCard Russell McVeagh Visa Bell Gully