Credit Card Reclaimer

Dodgy Credit Card Fees? Fight Back 💳

NZ banks charge millions in unfair fees every year. Under the CCCFA and Banking Ombudsman rules, you have rights. This tool writes a formal complaint letter for you — takes 2 minutes.

🥝 Heads up, legends — this tool isn’t legal or financial advice. It’s a free helper for any Kiwi who wants to know their rights and draft a proper complaint letter. Think of it as a mate helping you over a flat white. If things get complicated, seek advice from the Banking Ombudsman Scheme.

Built with info from Consumer Protection NZ and Banking Ombudsman Scheme

👤 Your Details

Full name

Address

Phone (optional)

🏦 Bank & Account Details

Your bank

Account last 4 digits

Only the last 4 digits — keeps your account safe while identifying it.

Type of issue

Fee/charge amount (NZD)

⚠️ Issue Details

Transaction date

Describe the issue

Already contacted your bank about this?

Yes

Your Complaint Letter

✅ Copied! Paste this into an email or save for your records.

📋 Next Steps

Gather your evidence (see checklist above)
Send this letter to your bank via email or post
Keep a copy for your records
Banks must respond within 10 working days
If not resolved, escalate to Banking Ombudsman (free service)