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All fees are expressed in New Zealand Dollars, unless otherwise stated. These fees apply to domestic Cook Islands transactions only. Fees applicable to non resident or foreign currency accounts, accounts including International Companies or Trusts, are available upon request.
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| Minimum Opening Balance |
$20 |
| Optional Reconciliation Book |
$5.00 |
| Manual withdrawals (over the counter) fee |
$2.00 |
| Base account maintenance fee |
$2.00 |
| Minimum Opening Balance |
$20.00 |
| Transaction/Account Maintenance Fee |
Free |
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* Eligibility Criteria Apply
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| Minimum Opening Balance |
$20.00 |
| Transaction/Account Maintenance Fee |
Free |
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* Eligibility Criteria Apply
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| Minimum Opening Balance |
$20.00 |
| Withdrawal Disincentive Fee per withdrawal (1st withdrawal per month exempt) |
$5.00 |
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| Minimum Opening Balance |
$500.00 |
| Base Maintenance/ Ledger Fee (monthly) |
$3.50 |
| Activity Fee (per cheque leaf) |
$0.40 |
| Cash Cheque over the Counter Fee |
$2.00 |
| Cheque Book |
| 50 Forms (Small) |
$8.00 |
| 50 Forms (Large) |
$12.00 |
| 100 Forms (Small) |
$15.00 |
| 100 Forms (Large) |
$20.00 |
| Duplicate Deposit Books - 200's |
$15.00 |
| Deposit Books - 60's |
$6.00 |
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** May be linked to Access, Cheque, Student Access or Senior Access as primary account. Progressive Saver may be linked as a secondary account
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| Inward |
$20.00 |
| Outward |
$50.00 |
| Representation |
$50.00 |
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| Issue |
$12.00 |
| Cancellation and Replacement |
$15.00 |
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| Audit (per account) |
$50.00 |
| Interest Paid/Received |
$30.00 |
| Balance of Account |
$15.00 |
| Preparation Hourly Rate (as appropriate) |
$40.00 |
| Replacement Certificate (photocopy) |
$10.00 |
| Opinions / References |
$50.00(plus costs) |
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| Non frequent access |
From $30.00 per month |
| Daily access |
From $50.00 per month |
| Charges vary depending on nature and volume of items held in custody |
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| Establishment/Maintenance Fee |
$5.00 |
Payment to ANZ account
Note: Payment to ANZ loan accounts are exempt this fee |
$1.50 |
| Payment to other banks (bank cheque, TT or draft fee applies as appropriate) |
$5.00 |
| Suspension of payment |
$5.00 |
| Payment not made due to insufficient funds |
$15.00 |
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| Photocopy / screen print (per page) |
$5.00 |
| Voucher / statement retrieval (hourly rates plus photocopy costs) |
$40.00ph |
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| Customer requests cheque to be stopped (per cheque) |
$15.00 |
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| ANZ Cheque |
$15.00 |
| Other Bank Cheque |
$30.00 |
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| Break of term deposit before maturity date (interest penalty may apply) |
$50.00
plus 2% Penalty Interest |
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| Between accounts at ANZ (Cook Islands) |
$7.00 |
| From ANZ to another Bank in the Cook Islands |
$15.00 |
| From ANZ to a Bank outside the Cook Islands |
TT or Draft Fee |
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| Call/Facsimile to Outer Islands |
$1.00 per minute/page |
| Overseas call/Facsimile |
$5.00 per minute/page |
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| Service not covered elsewhere - Per hour (as appropriate) |
$40.00 |
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| New Zealand Dollar Drafts<10,000.00 |
$12.00 |
| New Zealand Dollar Drafts = or >10,000.00 |
$15.00 |
| Foreign Currency Drafts |
$15.00 |
| Stop Payments (per item) |
$20.00 (plus costs incurred) |
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| Drawn on ANZ within arrangements with our correspondents |
Free |
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| Destination and Currncy: New Zealand, Australian and Fiji |
$27.00 |
| All Other currencies |
$37.00 |
| Stop Payments |
$20.00 (plus SWIFT charges incurred) |
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| For credit of an ANZ account |
$10.00 |
| For credit of an account with another bank |
$15.00 |
| Request of Funds from Overseas Bank |
$25.00 |
| Pay on application and ID |
$15.00 |
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| Payments of ANZ National Bank Credit Cards |
$5.00 |
| Other Bank credit card payments |
Draft/TT Fee |
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| Dishonour of Foreign Currency cheques, clean bills (per item) |
$35.00 plus overseas bank charges |
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| Establishment validity < 6 months |
0.325% (min $120) |
| Establishment validity > 6 months |
0.325% plus 0.325% for each additional 6 months or part thereof; min $120 |
| SWIFT Fees |
$40.00 |
| Amendment Fee |
$50.00 |
| Late Payment Fee |
$50.00 |
| Confirmation Fee |
$100.00 |
| Advising Fee |
$100.00 |
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| Handling Fee |
.0375% min $120 (including SWIFT fee) |
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| Interest calculated on daily balance of the overdrawn amount and charged monthly |
variable rate |
| Loan Approval Fee (once only) scale based on approved limit |
| Available on application |
| Line Fee (charged monthly on highest OD limit) |
| 1 to $5000 |
$6.00 |
| $5001 and over |
0.12% |
| (pro-rata fee payable in the event of a settlement) |
| Excess Fee (plus penalty interest) |
$20.00 |
| Security Fee ( for preparation and registration of security documents where applicable) |
$200.00 (plus costs) |
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| Interest calculated on daily balance and charged monthly |
| Loan Approval Fee (once only) scale based on approved loan amount |
| Available on application |
| Loan Administration Charge (Home Loans exempt - charged monthly) |
| Up to $4999 |
$6.00 |
| $5000 to $19999 |
$10.00 |
| $20000 to $59999 |
$20.00 |
| $60000 and $99999 |
$35.00 |
| $100000 to $299999 |
$55.00 |
| $300000 and over |
0.02% per month |
| Security Fee (for preparation and registration of security documents where applicable) |
$200.00 (plus costs) |
| Arrears fee (payable from day 8) |
$30.00 |
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| Commitment Holding fee applies to all lending facilities not disbursed within 3 months of approval |
0.375% per month |
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| Loan Approval Fee payable on approval of credit limit |
| Shipping Guarantee Issuance (fixed half yearly charge) |
$100.00 |
| Indemnities / Guarantees / Bonds Establishment |
| 2% of face value p.a. (1% every 6 months) |
2% (min $80.00) |
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| Property Inspection |
$50.00 plus costs |
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| Discharge Fee (each item) |
$80.00 |
| Settlement |
$100.00 |
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| Service not covered elsewhere |
| Per hour (as appropriate) |
$40.00 |
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| (ask a Sales Consultant for a quote for the following) |
| ANZ Motor Vehicle Insurance |
| ANZ Home & Contents Insurance |
| ANZ Traveller’s Insurance |
| ANZ Loan Insurance |
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| Application Fee |
| Personal and Business |
$50.00 |
| Note: Standard Credit Card Fees and charges will apply to cards. |
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Note:
All fees and charges were current at time of publication, but are subject to change without prior notice. You should confirm current fees and charges with us by phone on (682) 21750 (during normal banking hours), fax on (682) 21760 or email on anzcooks@anz.com prior to initiating a transaction or using a service in reliance upon the fees and charges as outlined here.
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