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Credit And Banking In New Zealand


New Zealand's main credit bureau is 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.

Veda has a marketing division known as Inivio.

Centrix is another credit bureau, established in 2010.

A wholy owned subsidiary of Dun & Brandstreet is Credit Simple, which offers 1 - 1000 (most between 350 and 800) credit scores. They have parneners including The Warehouse, Co-op Bank, and Baywide, to offer financial products based on the individual consumer's credit history.

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



Bank Of New Zealand


Heartland Bank


Kookmin Bank

The Paua Card


SBS Bank

TSB Bank

American Express


Bank Of Baroda

Deutsche Bank

Diners Club


National Bank

RaboBank (Also has RaboPlus)



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

Combined Building Society

Hastings Building Society / HBS

Heretaunga Building Society

Napier Building Society

Nelson Building Society

Southern Cross Building Society

Wairarapa Building Society

Retail Credit Cards


Freedom Furniture

Q Card

Smith City

The Warehouse

Warehouse Stationery

Buy Now Pay Later Systems


Genoa Pay




Zip Money

Non-Bank Finance Companies

Active Finance (Broker)

Allied Nationwide Finance

Asset Finance


Capital Mortgage Income Trust

Credit Express (Broker)


FAI Finance

Fisher & Paykel - F and P - Finance

Gem Finance

Gem Visa

General Finance

Gold Band Finance

Hopscotch Money

Housing New Zealand Corporation



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


Spark Finance (Broker)

Viaduct Capital

AMP Home Loans

Approved Mortgage Brokers

Avanti Finance

Broadlands Finance

Cairns Lockie

Crester Credit Co.


Finance Direct

Finance Now

Finance Point

FMG Finance - Rural Financial Services

Geneva Finance

Gillies Group (Broker)

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

Speirs Group

Strategic Finance

UDC Finance

United Finance

Vision Securities


DTR - Cash loans and hire purchase financing.

DriveCard - Monthly charge card for fuel and other vehicle expenses. Offers business or personal accounts. Issued by Cardlink.

Finance Now offers various types of loans and hire purchase financing.

Finance Point - Various types of loans and financing.

The Financial Services Federation is a trade group.

Flexirent - Provides financing for small business equipment.

Gilrose Finance - Hire purchase financing.

i-finance (a division of Heartland Bank Limited) - 

Instant Finance - Business and personal loans, with online application

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

Nova Medical Finance - New Zealand's only medical financing company.

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.

Shark Patrol - Free database for business credit reference information.

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.

Tenancy Information New Zealand / TINZ is a credit bureau for landlords seeking information on prospective tennants.

Turner's Auctions - Offers financing on car purchases.


The central bank is the Reserve Bank Of New Zealand.

The Commission for Fnancial Capability is a government agency oriented to financial education.

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

The New Zealand Bankers' Association (NZBA), Co-op Money NZ, Retail Credit Association of New Zealand (RCANZ) and the Financial Services Federation are trade organisations.

Payments NZ sets standards and rules for payments between banks. 


International Banking And Credit


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