Understanding overdrafts

It pays to know the ins and outs of overdrafts, including interest, fees, when this type of debt might work for you – and how to get support if you find it hard to stay within your overdraft limit.

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Support with higher living costs

Higher everyday expenses and unexpected events can put added stress on you and your wallet. If you could use financial support, we’re here to help. 

Let’s talk

From tips on managing your money to financial support options, call us – please don’t go it alone.

Facing financial stress?

Our hardship team may be able to offer extra support if you experience a hardship event, e.g. job loss, serious illness, a relationship breakdown.

Free budgeting help

Your budget is a key financial tool that helps you work out how much money you have left after paying essential expenses, e.g. power bills, rent, mortgage payments. If you don't have a budget, our free budget planner can help you create one.

The MoneyTalks service provides free, confidential and non-judgemental budgeting services throughout New Zealand. 

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