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19 Sep 2025
Meet the Newest Welcome Team Members

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01 Jul 2025
What is the Depositor Compensation Scheme?

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29 Jan 2025
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Privacy Statement Fair Conduct Policy Complaints

Copyright © 2025 Welcome Limited. All rights reserved.

*The Depositor Compensation Scheme forms part of the Deposit Takers Act 2023 and came into effect on 1 July 2025. For more information, visit rbnz.govt.nz/dcs.

Welcome Limited, FSP 1007093, is a licensed deposit taker but is not a registered bank. Welcome Limited is the issuer. Our product disclosure statement is available from our website.

The products and rates we offer are subject to change. Terms, conditions, fees, and charges apply to lending by Welcome Limited. Lending is subject to our credit criteria.

Welcome Limited’s creditworthiness is not rated by a rating agency approved by the Reserve Bank under section 86 of the Non-bank Deposit Takers Act 2013 (Act) because Welcome is operating under an exemption from the requirement under the Act to have a credit rating. The Non-bank Deposit Takers (Credit Ratings Minimum Thresholds) Exemption Notice 2016 exempts Welcome from the need to obtain a credit rating (or rely on another exemption) until 28 February 2026. The exemption means that Welcome has not received an independent opinion of its capability and willingness to repay its debts from an approved source. The exemption applies because Welcome has only recently commenced business as a non-bank deposit taker, making it unduly onerous to comply with the requirement under the Act to have a credit rating.

Welcome Limited is a member of the Financial Services Complaints Limited disputes resolution scheme. To find out more, including how to make a complaint, please click here.

© 2025 Welcome Limited.