we’ll apply this fee to all international transactions， we’re removing the Replacement card fee。
I recieved the following email from Kiwibank， online accommodation booking and some streaming services. Pro from 4 November 2025， gaming， it has some pros and cons. Con From 4 November 2025， the International transaction fee will reduce from 2.5% to 1.85% from 4 November 2025 which is in line with what this fee is on our credit cards today. International transactions are typically transactions where the merchant or company processing the transaction is located outside of New Zealand. These transactions are either: Payments processed overseas and charged in a foreign currency.Payments processed overseas and charged in New Zealand Dollars (NZD). Some examples of payments processed overseas and charged in New Zealand Dollars (NZD) include gambling， and fees associated with using an overseas ATM. If you lose or damage your card and need to order a replacement， including transactions charged in New Zealand Dollars (NZD). This will be applied in the same way across our debit and credit cards. For Kiwibank debit cards，。
you’ll no longer be charged several of our everyday banking fees. This includes the Visa Debit Card annual fee， and the Overseas ATM cash withdrawal fee. ， that’ll be on us too. For our credit cards。