Switching to The National Bank is easy.  We can help you right through the process and take care of most of it for you.  Why not come in, sit down and find out what it’s like to be treated like a National Bank customer?

Why choose The National Bank?

• Outstanding service – Our customers consistently rate The National Bank among the best of any New Zealand bank for customer service*. 
• Choice – We know everyone is different.  That’s why we have a full range of banking and financial solutions – so no matter what your financial goals, we can help you achieve them.  When you get a home loan from us you’ll have plenty of choice about how you structure it.  We’ll help you decide which options are best for your needs and the way you want to manage your finances.
• Freedom – You can choose how and when you do your banking.  Choose from Online Banking, touchtone phone banking, ATMs located throughout the country and a branch network of over 160 branches nationwide.
• Supporting your community – The National Bank is proud to invest in New Zealand’s future by supporting the communities we serve through sponsorships and donations.
• Value – Our home loan interest rates are always very competitive.  We can personalise a package to meet your needs.

*Based on the ACNielsen Consumer Finance Monitor.  The National Bank receives one of the highest ratings of all the major banks in New Zealand for overall service.

Already have a home loan?
The process of refinancing your home loan is really quite simple – there’s not much you need to do.  In fact, we can take care of most of it for you. 

1. Come in and talk to us about what you need.  We can help you decide whether the loan structure you currently have is the right one for you, and we’ll talk you through your options, such as topping up your home loan.
2. Provided we have all the necessary information, we can assess and possibly approve your loan on the spot.
3. When you have confirmed that you would like to move your home loan to The National Bank, we will contact your solicitor to arrange for your current mortgage to be discharged.
4. Your solicitor will make an appointment for you to go in and sign the loan agreement, mortgage document and any other paperwork required, and will then prepare a settlement statement.  This shows the amount required to repay your previous home loan provider, which will then be sent to us.
5. On settlement day, we will draw down your loan, then send funds to your previous home loan provider via your solicitor to repay your previous loan.

That’s all there is to it.  And you’ll be kept informed ever step of the way.

Your home loan repayments need to come from a National Bank account.  To transfer your everyday or savings account and to get your pre-approved credit card, simply ask, and we’ll manage this process for you as well. 

Switching your accounts to The National Bank
Switching your accounts to us is simple.

We can do it for you
Simply bring in the account numbers of your existing accounts at other banks and we’ll do the rest, including the transfer of any existing automatic payments, bill payments and direct debits to your new account.

All you need to do is remember to give your new account details to your employer (if you have your salary direct credited) and make sure any cheques from your old account are presented before the account is closed.

Or, you can do it yourself and we’ll help you
We can give you a step-by-step checklist that shows you everything you need to do to transfer your accounts to us.  And we’ll provide help and assistance anytime you need it.

Our special switching offer
When you switch your personal current and savings accounts to us we’ll:

• Waive all monthly account and transaction fees for your first month, and
• If we manage the process for you we’ll also waive any loading fees for automatic payments, direct debits and bill payments – it won’t cost you anything to switch them to your new National Bank account.

Making the process easier

• Remember to allow 2 – 3 weeks for the process to be completed – bear this in mind for automatic payments due dates, closing of accounts with other banks etc.
• Provide your employer with your new account details as soon as possible.
• We’ll do all we can to assist – helping you with the process or keeping you up to date with the progress.

Our lending criteria, terms, conditions and fees apply to all loans. For borrowing over 80% of a property’s value, a Low Equity Premium on a graduated scale will apply. Our account opening criteria apply. A copy of the Bank’s disclosure statement is available from any National Bank branch. Contact us for more details.