General Terms and Conditions
General Terms and Conditions (including our Privacy Statement in Section 12) - effective 26 May 2023 > Download PDF
Website Terms of Use > Download PDF
I.D and Address Verification Requirements
Identification and Address Verification Requirements (individual) > Download PDF
Identification and Address Verification Requirements (organisations not-for-profit) > Download PDF
Company Identification Requirements > Download PDF
Partnerships Identification Requirements > Download PDF
Trust Identification Requirements > Download PDF
Children's Identification Requirements > Download PDF
SBS Verify Privacy Policy - effective 26 June 2024 > Download PDF
AEOI and CRS foreign tax residency information
AEOI - Your Obligations - IRD Introduction > View Page
New Zealand IRD Tax Residency > View Page
Foreign Tax Certification Form Organisations > Download PDF
Foreign Tax Certification Form Personal > Download PDF
Lending Standard Contract Terms
Reverse Equity Mortgages
SBS Unwind Loan Terms and Conditions > Download PDF
SBS Unwind Loan Schedule > Download PDF
Standard contract terms SBS Advance Term Loan > Download PDF
Memorandum of Mortgage > Download PDF
All Other Mortgage Lending
Flexi Loan Schedule > Download PDF
Term Loan Schedule > Download PDF
Loan Terms and Conditions > Download PDF
Memorandum of Mortgage > Download PDF
Everyday Banking Terms and Conditions
Debit MasterCard® Terms and Conditions (Effective 18 April 2024) > Download PDF
Debit MasterCard® ID Check Terms and Conditions (Effective 21 July 2020) > Download PDF
Eftpos Card Terms and Conditions (Effective 12 April 2019) > Download PDF
Online Banking Terms and Conditions
Electronic Banking Terms and Conditions (Effective 28 November 2024) > Download PDF
Electronic Banking Terms and Conditions (Effective 22 April 2024) > Download PDF
Investment Terms and Conditions
Term Investment Terms & Conditions (Effective 1 December 2016) > Download PDF
Credit Card Terms and Conditions and Documents
SBS Visa Credit Card Conditions of Use > Download PDF
SBS Pink Ribbon Visa Credit Card Conditions of Use (We no longer offer the SBS Pink Ribbon Visa) > Download PDF
Promotion and Offer Terms and Conditions
FirstHome Combo Terms and Conditions (Effective 2 September 2024) > Download PDF
Competition Offers Terms and Conditions
2024 SBS Bank Tour of Southland Banner Competition Terms and Conditions - October 2024 > Download PDF
SBS Bank 24/25 New Zealand Open Pro-Am Prize Terms and Conditions - November 2024 > Download PDF