Kiwibank Limited provides various personal and business banking products and services in New Zealand. Its personal banking products and services include savings and online call accounts, and term deposits; home, personal, and vehicle loans; life, loan, home, contents, and vehicle insurance; credit cards; migrant banking; and international services. The company’s business banking products and services comprise edge cheque, performer call, and online call accounts; term deposits; fixed and variable rate mortgage loans; business insurance; and international accounts and services, including telegraphic transfers, bank drafts, foreign currency accounts, and trade services. In addition, Kiwibank offers Internet, phone, and TXT banking; and automated teller machine, electronic funds transfer at point of sale, and merchant acquiring services. The company was incorporated in 2001 and is headquartered in Wellington, New Zealand. Kiwibank Limited is a subsidiary of New Zealand Post Limited.