We are all about helping customers bank better.: 100% Customer‑Owned

We’re proud to be 100% owned by our customers - and the only bank in New Zealand to give our customers a share of our profits.

Join us through our app

Proud to be a co-operative

We do banking differently, by sharing our profits with our customers through rebates. Since 2013, we’ve returned over $25 million and counting to our customers. As a customer, you can also have your say at our AGM and in our annual director election. That’s banking better.

Learn more about rebates

As a customer, you’re a co‑owner of the bank

We’ve been supporting New Zealanders for nearly 100 years, and as The Co‑operative Bank since 2011.

We’re 100% New Zealand‑owned and customer‑owned, so putting you first is part of who we are.

From our mobile app and online banking to everyday accounts, home and personal lending, savings, and investment options, we’re here to help you bank better every day, backed by our dedicated team committed to great service and exceptional banking experiences.

We’re proud of our strong track record in the Consumer People’s Choice banking survey, including being ranked number one for the last five years. Our customers are at the heart of everything we do, and this recognition from them is especially meaningful to us.

Co-operative Bank Team Member on the phone

We’re here to grow together and share the gains

A key part of our purpose to grow together and share the gains, we are committed to supporting more New Zealanders into home-ownership – especially first-home buyers.

We are one of a handful of New Zealand Banks participating lender in the Kāinga Ora First Home Loan scheme, which can make it easier for buyers to get into their first home by lowering the required deposit to 5% (with loans underwritten by Kāinga Ora).

Some of our customers have shared their first home buying stories with us, read their journey from home buyers to home owners.

Read their stories here

We're a Certified B Corporation™

As a co-operative that is there for the long-term benefit of our customers, respecting the environment we live, work, and play in is important to us. We’re proud members of the B Corp movement and are one of only two NZ banks to be a Certified B Corporation. B Corp certification recognises businesses that meet better standards of social and environmental performance and is quickly becoming a way for customers to identify businesses who are working in an environmentally friendly way. By certifying as a B Corp, we’re showing our customers that they’re supporting a business that balances purpose with profit.

Find out more about B Corp