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Nate wants an iphone
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  Reply # 1925791 27-Dec-2017 17:10
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I think for general banking - it really pays to look at the options. Most of the banks offer a mix of fee-free (electronic only with in branch fees) and premium (all inclusive but incurs minimum balance / monthly fees). Most banks also offer student and gradudate packages which waives most of the other fees eg. Overdraft interest, in branch fees. 


I haven't researched it but I know Kiwibank and Westpac do offer retirement options which waives further account & transactions fees. Fairly sure other banks offer a similar service. 


My experience regarding Kiwibank and fees is very much in line with @Kiwisurfer. The first time I was with Kiwibank with my home loan, I estimate that I paid many hundreds of dollars in fees that would have been not charged/waived (fixing fees, restructure fees, interest fix rate offers) by other banks. I put it down to it being my first bank with a home loan but I've never encountered fees like that from any other bank that I've been with. 



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  Reply # 1932597 9-Jan-2018 10:24
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to update, after filling out the forms, I heard nothing, and then emailed them, and then a few days later all the money were refunded, silently

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