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Credit And Banking In New Zealand


Please note that Enkephalos Web Design also runs
NZ Site - Your Complete Guide To New Zealand

New Zealand has only one large credit bureau, Veda Advantage (previously known as BayCorp Advantage.) They have a separate site for information on ordering a copy of your Veda Advantage Credit File.

They were previously related to the BayCorp Collection Agency, but no longer.

Information held by business about individual consumers is covered by the Privacy Act Of 1993, which is enforced by The Office Of The Privacy Commissioner.

Banks & Credit Card Issuers In New Zealand

ABN AMRO

ANZ

Bank Of New Zealand

Citibank

KiwiBank

Kookmin Bank

The Paua Card

PSIS

SBS Bank

TSB Bank

American Express

ASB

Bank Direct

Deutsche Bank

Diners Club

HSBC

National Bank

RaboBank (Also has RaboPlus)

Sovereign

Westpac


Credit Unions

New Zealand Association Of Credit Unions

Aotearoa Credit Union

Christchurch Emergency Services Credit Union

Credit Union Auckland

Credit Union Bay Health

Credit Union Central

Firefighters Credit Union

First Credit Union

Fisher & Paykel Credit Union

 

Manchester Unity Friendly Society

New Zealand Credit Union / NZCU

NZCU Baywide

NZCU North

NZCU South

NZCU Steelsands

NZCU Taranaki

Police And Families Credit Union

United Credit Union

Wilson & Horton Employees Credit Union


Building Societies

Canterbury Building Society / CBS Canterbury

Hastings Building Society / HBS

Heretaunga Building Society

Napier Building Society

Nelson Building Society

Southern Cross Building Society

Wairarapa Building Society


Retail Credit Cards

Farmers

Freedom Furniture

Kirkaldie & Stains

Q Card

The Warehouse


Non-Bank Finance Companies

Active Finance (Broker)

Allied Nationwide Finance

Asset Finance

AXA

Credit Express (Broker)

Equitable

FAI Finance

Finance Direct

Fisher & Paykel - F and P - Finance

General Finance

Gold Band Finance

Hopscotch Money

Housing New Zealand Corporation

Kiwiloans

Marac

Medical Assurance Society

MFS NZ and MFS Pacific

Mutual Finance

New Zealand Home Loans

NZF Money

Oxford Finance

Pacific Home Loans

Pioneer Mortgage Services

Prometheus Finance

South Canterbury Finance

Sovereign

Spark Finance (Broker)

Speirs Group

Strategic Finance

Viaduct Capital

AMP Home Loans

Approved Mortgage Brokers

Avanti Finance

Broadlands Finance

Cairns Lockie

Crester Credit Co.

Dorchester

Finance Point

FMG Finance - Rural Financial Services

Geneva Finance

Guardian Trust

Hanover Finance

LJ Hooker

Lombard Finance & Investments

Mascot Finance

Mutual Credit Finance

Nathans Finance

PGG Wrightson Finance

Priority Finance

Public Trust

Savings & Loans

St Laurence Property & Finance

UDC Finance

United Finance

Vision Securities

Wizard

Dick Smith Electronics - Offers financing (through Finance Now) on purchases.

Finance Point - Various types of loans and financing.

The Financial Services Federation is a trade group.

GE Money - Provides personal loans, car loans, mortgages, and retail finance.

Gilrose Finance - Hire purchase financing.

Kiwi Income Property Trust - Issues prepaid cards that can only be used at their shopping centres.

NZ Post issues prepaid Visa cards, which they call the Prezzy Card (a single-use version) and the Loaded Card (a reloadable version.)

Pago - Person-to-person money transfers online or via phone text message.

PayMate - Another online Person-To-Person payment system.

Per Week - Hire purchase offers on consumer goods.

The Snapper is a prepaid, reloadable smart card which can be used on some buses (e.g. in Wellington), and also a few shops. It is issued by Infratil.

Turner's Auctions - Offers financing on car purchases.

 

The central bank is the Reserve Bank Of New Zealand.

The Office of the Banking Ombudsmen is a non-governmental organization which oversees banks.

The New Zealand Bankers' Association (NZBA) and the Financial Services Federation are trade organisations.

 

International Banking And Credit

 

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