For Smart Plan, at the end of the month automated transactions are charged first to ensure the lowest overall fee cost.

Please note that the answers you obtain are only indicative. Your actual monthly fees will be determined by the number of automatic and manual transactions you make per month. Fees are subject to change. Our lending criteria apply. Current information and full details (including terms and conditions) and our current disclosure statement are available through any branch of The National Bank of New Zealand (part of ANZ National Bank Limited).