Join ConsumerLoginDonate
  • Consumer NZ
  • About us
  • Consumer rights and advice
  • Subscribe to our newsletters
  • Terms and conditions
  • Privacy Policy
  • Community guidelines
  • Contact us
  • Membership
  • Join
  • Membership support
  • Consumer magazine
  • Consumer Advice Line
  • Top tests and reviews
  • Other sites
  • Campaigns
  • Stop misleading supermarket pricing
  • Fix the broken electricity market
  • Flight rights
  • Stamp out scams
  • Right to repair
  • End greenwashing now
  • Fair repayment for retirement village residents

Follow us

© Copyright Consumer NZ. All rights reserved.
<Money
  1. Home/
  2. Money/
  3. Banking

Banking

New Zealand has a competitive banking market with many options for everyday banking, savings and borrowing. Our guides and comparisons help you understand fees, interest rates and features so you can find the bank that best suits your financial goals.

14feb bank fees hero

Bank accounts and fees

Image of money

Best and worst banks in 2025

Credit cards: the best interest rates, fees and rewards in 2026

Your rights with NZ banks

Understand your consumer protections, dispute resolution rights and what to do if your bank treats you unfairly.

signing a document

Borrowers' rights

Know your rights and obligations when borrowing.
Website promo image 1290 x 860  12  width

Financial disputes resolution

Where to get help when you’ve got problems with your insurer, bank or financial advisor.
21may credit card chargebacks promo

Credit card chargebacks: what you need to know

The secret to getting your cash back when purchases go wrong.
Image of cars in a parking lot

Finance at car yards: what you need to know

What to watch out for when organising a loan at the car yard.
NZ cash and foreign currency

International money transfers: what’s the cheapest way to send money overseas?

Find out the cheapest way to send money internationally. Our guide highlights the best ways to send cash to Australia, India, Fiji, Samoa and the Philippines.
Family moving into a house

Mortgage advisers: What you need to know

Is it worth getting a mortgage adviser? What to ask and watch out for when getting a mortgage adviser.
21jan mortgages should you fix or float promo

Mortgages: Should you fix or float?

Learn about the pros and cons of fixed and floating mortgage interest rates and ways to save money.

Repossession

Our guide to your rights around repossession.

Latest banking news & articles

Stay informed with our latest banking articles, rate comparisons and updates on changes to banking services in New Zealand.

Credit cards: the best interest rates, fees and rewards in 2026

Low interest rates, Airpoints or cashback? Compare credit cards from banks like ANZ and ASB, as well as from providers like American Express to find which New Zealand card suits you best.

Support for surcharge ban getting stronger

Consumer NZ urges the government to push ahead with a surcharge ban, with research finding almost three in five New Zealanders support a ban on card payment surcharges, and only 15% oppose the proposal.

Why we need cash to stick around

Cash has quickly been replaced by credit cards and online shopping and after pay services. What are we losing if it disappears?
Woman paying with card, contactless payment.

Surcharges should be down and out

Consumer NZ says card payment surcharges should now be down to about 1%, and research shows support for a surcharge ban is surging.

Comments

Get access to comment
Join Consumer
Log in

Was this page helpful?