Freephone: 0508 613 328

Fees and Charges

Information for members on fees and charges


AccessDebit Card & Accesscard Fees

New or Replacement Card Fee

Admin Fee

$10 per card


Transaction Fees

ATM Charges New Zealand

Cash Withdrawal other Credit Union network

Cash Withdrawal other bank

Enquiries and Declines other Credit Union Network

Enquiries and Declines other Banks   Network





EFTPOS Charges

PaypassTM Transactions Tap & Go


$0.25 (included in EFTPOS charge)

Overseas – additional charges

ATM Overseas cash withdrawal

ATM Balance Enquiry

ATM Declined Transaction

Foreign Currency fee

EFTPOS Transactions


$5.00 per transaction

$0.80 per transaction

$0.80 per transaction

2.25% of the $NZ transaction charge

$0.80 included in EFTPOS charges

Service Charges

Online and over the telephone

Courier / Freight charges

Voucher Search charges

Government Duties or Taxes

Merchant Fees





As charged

As charged

AccessTxt Fee

All Text balances $0.70 each message

Inoperative Account Fee

Accounts with balances under $100 and inoperative for 1 year or more
(except for interest/dividend payments)
$4.00 per month

Loan Application Fees

Standard Loans Application Fee
$ 0 – $ 4,999 $ 100.00
$ 5,000 – $19,000 $ 150.00
$20,000 – over $250.00
Maximum (on merit) up to $250.00
Loans secured by Mortgage up to $250.00 maximum
Loans Restructured up to $50.00 maximum
Instant Loans
Any amount Nil

Personal Property Security Register (PPSR) Registration

Registration $23.00

Bad Debt Collection Fees

All charges/ costs as claimed by Collection Agency to be included in the debt being collected.

Entrance Fee

New Members Fee $1.00

Direct Debit Dishonours

Direct Debit Dishonours $10.00

Internet Banking Fees

Whole of Pay Free
All Other Registered Members $2.00 per month
Factor 2 (Reset) $5.00