Compare Bank FeesEveryone hates bank fees so it's worth knowing what each bank charges.
All are quoted in NZ$ unless stated otherwise.
NOTE: These rates are can
change at any time but it give you a guide to what they have charged.
| | ANZ | ASB
| BNZ
| Kiwibank
| National
Bank
| TSB
| Westpac
|
Stop Cheque
| 20
| 15
| 25
| 20
| 15
| 10
| 25
|
Cheque dishonour
| 30 | 25
| 35
| 30
| 30
| 25
| 25
|
Bill Payment
dishonour
| Nil if payment by
internet banking
| 25
| 5
| 30
| 7.5
| 7
| 25
|
Overdraft Establishment
fee
| 20
| 25
| 30 | 15 | 1%
min $25
| 400 | 25
|
Monthly Fee (arranged)
| $5 | 0.12%
of limit
| $5 | $3 | 0.12% | 2% on amount
of unused overdraft
| 5 |
Monthly Fee
(unarranged overdraft)
| 10 | 0.12%
(min $20)
| $5/mth +
$20 fee per item
| $15 if more than
$30 overdrawn
| 15
| 5 | 5 |
| | | | | | | |
Credit Card Late
Payment
| 25
| 25
| 25
| 20
| 25
| 25
| 25
|
Over Credit Limit
| 20
| 20 if >10%
of limit
| 20
| 20
| Nil
| 20
| 25 |
Fee Reversals
The
other thing the banks don't make you aware of is if you make an honest
mistake, like went overdrawn by a small amount for say a day, then you
may be able to ask if they would consider reducing the fee.
I
have been successful with this and they refunded a $30 unauthorised
overdraft fee when I called them the same day this happened and put the
money into my account straight away. Well you can only ask if you have
been a good customer so far.
It also goes for credit card fees
too. You can only ask and if the operative doesn't offer it then it may
be worth talking to the manager to plead your case.