Bank Inactive Account Fee When you haven’t initiated any transactions for one year and have a balance of less than $200 across all your everyday and savings account(s), a $30 per year fee will be charged. Low Balance If there’s less than $30 across all your everyday and savings account(s), they’ll take whatever balance is in your account(s). Account Closure Accounts with $0 balance before or after the fee is charged will be closed. Insurance Cancel After Selling You can cancel the insurance after selling the car, within 3-5 business days. Phone Disconnect Early Need to disconnect a month ago, with the ability to specify the disconnection date. Tax Refund Write to IRD If you are sure that you will leave New Zealand for a long time, you can also write to them, and they will settle your tax.