When you apply for a home loan, the first thing any lender asks for is your bank statements. It sounds simple, but it's the step that holds up more applications than anything else: statements that are out of date, screenshots instead of PDFs, missing pages, a forgotten credit card or savings account.
This guide shows you exactly how to get the right statements from each of the main NZ banks, so your application can go to the bank straight away.
What lenders need from you
- 3 months of transactions for every account, right up to date. Lenders won't accept statements where the latest transaction is more than 30 days old.
- Every account. Everyday, savings, credit cards, personal loans, and any joint accounts.
- PDF only. Your name, the account number and the bank's details need to show. Screenshots, CSV and Excel files can't be used.
- Your IRD income summary if you're salaried. Self-employed? We'll talk you through what's needed instead.
Why a monthly statement often isn't enough
Your normal monthly statement only covers up to the day it was issued. If your last one came out on the 1st and you're applying on the 25th, it's already almost a month old, and the lender may send it back.
The fix is simple: download a statement for a custom date range covering the last 3 months up to today. Most banks call this a statement for a date range, a transaction history or a transaction listing. One PDF covering three months is also easier for the lender than three separate monthly statements.
If your bank won't let you choose dates, send your last 3 monthly statements plus a transaction history from the last statement date to today.
Exporting? Always choose PDF. When your bank asks what file type you want, pick PDF. CSV, Excel or other spreadsheet files can't be used by the lender and will be sent back.
ANZ
Internet Banking
- 1Log in and select the account.
- 2Go to Documents (Your document library) in the top menu.
- 3Choose Statements and the account, set the date range and select Search.
- 4Select Download to save each PDF.
- 5To cover the days since your last statement, open the account's transaction list, set the dates from the last statement date to today, select Export and choose PDF.
goMoney app: you can view and share statements under the account's Documents.
ASB
FastNet Classic internet banking (best for a date range)
- 1Open the account.
- 2Set the transaction list to cover the last 3 months.
- 3Click Print near the top right of the transaction list, then Print again, and choose Save as PDF.
- 4Monthly PDF statements are in the Document Centre if you need those too.
ASB app: tap the account, then more options (top right), then Statements, and use share to save or email it. The app shows monthly statements only.
BNZ
Internet Banking
- 1Open the Menu (top left), then Documents, then Statements.
- 2Choose the account and download the last 3 statements.
- 3To bring it up to date, open the account, set the transaction dates from your last statement to today, select Export and choose PDF.
- 4You may be asked to confirm with NetGuard or an approval in the BNZ app.
BNZ app: menu, then Documents, then Statements, then the account; tap share to save or email it.
Westpac (easiest: custom dates built in)
Westpac One online banking or app
- 1Open the account.
- 2Select Download statements (in the app or on a phone, tap the three dots first).
- 3Enter a From date 3 months ago and a To date of today, then select View statements.
- 4Download it, or tap share in the app to save or email it.
Kiwibank
Internet banking (statements aren't available in the app)
- 1Open the account.
- 2Next to Show transactions from, set the last 3 months.
- 3In the Export dropdown, choose PDF, then click Export.
- 4Monthly statements are in Settings, then Statement vault, if you need those too.
Your IRD income summary (myIR)
- 1Log in to myIR.
- 2Go to Income tax, then select More.
- 3Open My income and choose Print income details.
- 4Pick the period and save it as a PDF.
No myIR login? Call IRD on 0800 775 247 and ask for an income summary.
Mistakes that slow your application down
- Statements that are too old. If the latest transaction is more than 30 days ago, it'll come back. Always run a date range up to today.
- Exporting as CSV or Excel. Always choose PDF when you export.
- Sending screenshots. Lenders want the official PDF.
- Leaving out an account. Credit cards, buy now pay later and personal loans all count.
- Sending only the first page. Send the full document.
- Password-protected files. If your bank adds a password, let us know or save an unlocked copy.
Stuck? We'll walk you through it
Bank menus change from time to time. If something looks different, or you just want a hand, give us a call. We'll walk you through it on the phone in a couple of minutes. Getting your documents right first time is how we get your application to the bank quicker.
Call Nick on 021 617 776 or book a free chat.
General information only, not financial advice. Steps are current as of November 2026 and may change; check your bank's help pages if your screen looks different.
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