Every rate, every fee, for everyone to see.

You can download our rates and fees guide here. 

Every rate, every fee, for everyone to see.

You can download our rates and fees guide here. 

Information on fees

If you are over 65 years of age, under 18 years of age, registered as a full-time student or you have a home loan with us then you will benefit from some fee exemptions as detailed below.

  Everyday account management Electronic transactions Staff-assisted transactions
Over 65 FREE   FREE
Under 18 N/A FREE FREE
Student FREE FREE FREE
Home loan FREE    

Electronic transactions includes EFTPOS, automatic payments and direct debits. Fees detailed further down the page will still apply. Withdrawal fees for Christmas saver and Loyalty saver will still apply. Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email. The account management fee for Everyday unlimited will still apply.

The following fees are charged at the end of the month: Electronic transaction fees for Everyday account (excluding international EFTPOS transactions), account management fees, monthly paper statement fees, overdraft service fees, Debit card administration fee. All other fees are charged on the day of the transaction.

  • All internal transfers between Unity accounts using mobile banking and internet banking are free
  • Set up and amend recurring transactions/payments using internet banking
  • If you need some cash, ask to withdraw some money when making a payment via EFTPOS
  • You can set up and receive bank statements via email for free

Transaction accounts

Everyday account fees
Account management (per month) $3.50
Electronic (per transaction) includes EFTPOS, APs and DDs 20 free/month then 35c each
ATM* $1
Staff assisted transactions**
$3.00

*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply.

**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.

Everyday Unlimited account fees
Account management (per month) $12
Electronic (per transaction) includes EFTPOS, APs and DDs no charge
ATM* $1
Staff assisted transactions** $3

*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply.

**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.

Freedom account fees
Account management (per month) no charge
Electronic (per transaction) includes EFTPOS, APs and DDs no charge
ATM
no charge
Staff assisted transactions no charge
Bill Pay account fees
Account management (per month) no charge
Electronic (per transaction) includes EFTPOS, APs and DDs 35c
ATM
n/a
Staff assisted transactions* $3.00

*Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.

Savings accounts

Everyday saver fees
Account management (per month) no charge
Electronic (per transaction) includes EFTPOS, APS and DDs 35c
ATM*
$1
Penalty withdrawal fee n/a
Staff assisted transactions** $3

*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply.

**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.

Online saver fees
Account management (per month) no charge
Electronic (per transaction) includes EFTPOS, APS and DDs 35c
ATM
n/a
Penalty withdrawal fee n/a
Staff assisted transactions* $3.00

*Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.

Kids saver fees
Account management (per month) no charge
Electronic (per transaction) includes EFTPOS, ATMs and DDs no charge
ATM
n/a
Penalty withdrawal fee n/a
Staff assisted transactions no charge
Christmas saver fees
Account management (per month) no charge
Electronic (per transaction) includes EFTPOS, APs and DDs n/a
ATM
n/a
Penalty withdrawal fee (per withdrawal) $10 (Free Nov - Jan)
Staff assisted transactions*
$3 (Free Feb - Oct)

*Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.

Loyalty saver fees
Account management (per month) no charge
Electronic (per transaction) includes EFTPOS, APS and DDs n/a
ATM* n/a
Penalty withdrawal fee $10
Staff assisted transactions** n/a

^Loyalty saver existing accounts only, no new accounts can be opened

*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply.

**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.

Other fees

ATM transactions - applies at any ATM 
Enquiry, decline and withdrawal $1 per transaction
Automatic Payment (AP) and Direct Debit (DD)
Set up or amend via a staff member $5
Loan payment account  
Staff assisted transactions $3 per transaction
TD connect account No account or transaction fees apply
Bank branch transactions
Limited services are provided to customers via Westpac:  
Deposit at bank $2.50
Cash handling at bank 25c per $100 or part thereof
EFTPOS / debit cards
New card (including joint) - first card only Free
New/replacement card $10 each
Debit card remote pinning fee (when applicable) $10 each
Debit card administration fee $1.50 per card per month
EFTPOS / debit cards - Overseas transactions
Overseas ATM transaction $7 NZD per transaction
Overseas EFTPOS transaction 80c NZD per transaction
EFTPOS card multi-currency conversion fee (applied at the prevailing buy rate by Mastercard®) 1.10% per transaction
Debit card foreign currency fee (on the $NZD value of transaction) 2.25% per transaction
Statements
Paper statements $2.50 each
Interim/replacement statements $2 per page
EziSend - Money transfer to Samoa
Standard EziSend transaction fee (non-refundable upon cancellation) $12
EziSend transaction search fee $13
Approval $75
Service fee $5 per month

Honour fee - charged for:
(a) an unauthorised overdraft; or
(b) exceeding approved overdraft limit

$17 per transaction
Dishonoured payments
Cheque and DD dishonour fee $20
Rejected external or internal AP $10
Personal loans
Approval $200*
Approval – where fully secured by shares Free
Pocket loan
Approval $75
Home loan fee
Approval $350*
Early repayment of fixed term loan $30 plus any costs
Prepare mortgage/caveat discharge forms $100
Default and other fees (includes overdraft defaults)
Reminder letter $10
Subsequent reminder letter $20
Repossession warning notice administration $50 per notice
Repossession warrant administration $100 per warrant
Debt recovery agent visit As per invoice
Property law notice administration $350 per notice
Overdue insurance premium administration $20 per payment
Overdue rates administration $50 per payment
Post-repossession fee $100

*Where Unity incurs a charge from another organisation when acting on a member’s behalf, Unity will pass these costs on to the member. Due to the nature of these charges the exact cost will not be known until the time of application. Examples of such cost include, but are not limited to, legal costs and disbursements or costs associated with the registration of securities. If you would like further information about these possible charges please contact us on 0800 229 943.

Dormant account fee $50 per year
If a member account is inactive (no deposits or withdrawals) for more than one year and cannot be located, this account is treated as dormant and a fee of $50 is charged for the transfer to dormancy and each subsequent year of inactivity. Where possible, reasonable action is taken to contact affected members to reactivate their account.
Transaction search, recovery requests, card/debit card enquiries and disputes $50 per enquiry
Debit card recurring payments cancellation $15 each
Inter-credit union transfer fee $10
Sell foreign cash 1% minimum $5
Buy foreign cash $5
Telegraphic transfer $25
Cash Passport prepaid travel money card 1% minimum $10

Where unity incurs a charge from another organisation when acting on a member’s behalf, Unity will pass these costs on to the member. Due to the nature of these charges the exact cost will not be known until the time of application. Examples of such cost include, but are not limited to, legal costs and disbursements or costs associated with the registration of securities. If you would like further information about these possible charges please contact us on 0800 229 943.

To view our interest rates click here.

The product issuer is Unity Credit Union, trading as Unity. T&Cs apply. Lending approval fees and other fees apply. All variable interest rates, fees and returns are subject to change without notice. The Product Disclosure Statement and other important information is available here or on request from Unity. Unity savings are shares secured by a first ranking security over Unity’s assets.

Phone: 0800 229 943 
Email: enquiries@unitymoney.co.nz