<?xml version="1.0" encoding="UTF-8"?>
<!-- generated-on="2021-01-20T09:16:31Z" -->
<!-- generator="Sitemap Plugin for Discourse" -->
<!-- generator-url="https://github.com/discourse/discourse-sitemap" -->
<!-- generator-version="1.2" -->

<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
    xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd
        http://www.google.com/schemas/sitemap-image/1.1
        http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd">
    <url>
        <loc>https://community.bnz.co.nz/t/about-assigned-badges/46</loc>
        <lastmod>2014-08-31T13:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-community-terms-of-use/39</loc>
        <lastmod>2014-08-31T13:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-community-guidelines/40</loc>
        <lastmod>2014-08-31T13:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/community-help-and-how-to/41</loc>
        <lastmod>2014-08-31T13:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/3-ways-to-finance-your-renovations/412</loc>
        <lastmod>2014-09-29T03:38:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/lets-get-personal-banking-that-is/84</loc>
        <lastmod>2014-09-30T03:51:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/moved-letting-someone-else-view-my-credit-card/85</loc>
        <lastmod>2014-10-01T23:14:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/letting-someone-else-view-my-credit-card/246</loc>
        <lastmod>2014-10-02T19:36:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/welcome-to-good-with-money/413</loc>
        <lastmod>2014-10-12T23:50:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/business-planning/55</loc>
        <lastmod>2014-10-14T23:17:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-protips-splittin-bills-like-a-mathematician/249</loc>
        <lastmod>2014-10-15T21:17:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/anthony-healy-get-smart-about-home-ownership/414</loc>
        <lastmod>2014-10-16T03:36:03Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/optimising-our-flats-finances/91</loc>
        <lastmod>2014-10-16T20:46:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/double-charging/56</loc>
        <lastmod>2014-10-16T20:55:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/tips-for-managing-flat-finances/92</loc>
        <lastmod>2014-10-28T18:31:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-protips-detailed-searching-made-easy/251</loc>
        <lastmod>2014-10-31T02:41:41Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/best-piece-of-advice-for-saving/86</loc>
        <lastmod>2014-11-02T21:48:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/amazing-customer-service-cookbooks-in-the-post/94</loc>
        <lastmod>2014-11-03T22:15:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-protips-exporting-transactions/254</loc>
        <lastmod>2014-11-07T00:01:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/the-open-home-trail-how-not-to-make-a-decision-that-costs-you/415</loc>
        <lastmod>2014-11-11T23:16:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/benefits-of-flexi-debit-visa/97</loc>
        <lastmod>2014-11-12T11:00:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/insurance-how-much-is-enough/98</loc>
        <lastmod>2014-11-12T11:13:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/debt-vs-savings/95</loc>
        <lastmod>2014-11-12T11:17:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/accounts/96</loc>
        <lastmod>2014-11-12T11:52:42Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/leaving-the-nest-helping-your-teen-launch-successfully/416</loc>
        <lastmod>2014-11-15T10:57:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/snapcash-pay-mates-via-snapchat-yes-no/255</loc>
        <lastmod>2014-11-18T01:03:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/our-preemies-first-chistmas/101</loc>
        <lastmod>2014-11-22T08:25:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-internet-banking-protips-turn-a-savings-goal-into-a-budgeting-tool/256</loc>
        <lastmod>2014-11-22T08:29:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/giving-your-credit-card-details-over-the-phone/87</loc>
        <lastmod>2014-11-24T09:49:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/from-post-its-to-your-pocket/419</loc>
        <lastmod>2014-11-25T20:25:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/7-money-saving-tips-to-help-you-worry-less-this-christmas/420</loc>
        <lastmod>2014-11-26T21:47:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-early-is-too-early-to-start-saving-for-your-children/100</loc>
        <lastmod>2014-11-27T08:28:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/home-equity-what-is-it-and-why-should-you-care/418</loc>
        <lastmod>2014-11-27T08:33:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/prepare-your-business-for-the-holidays-with-5-questions/421</loc>
        <lastmod>2014-12-03T22:37:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-protips-paying-for-trademe-items/257</loc>
        <lastmod>2014-12-08T07:56:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-to-protect-your-money-your-identity-and-your-property/422</loc>
        <lastmod>2014-12-10T22:03:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/must-know-tips-for-managing-your-money-on-the-go/423</loc>
        <lastmod>2014-12-14T22:19:22Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/spare-money-where-do-you-hide-it/102</loc>
        <lastmod>2014-12-16T22:16:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-protips-take-some-of-the-stress-out-of-the-silly-season/258</loc>
        <lastmod>2014-12-18T03:32:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/2014-review-from-bnz-social-hq/424</loc>
        <lastmod>2014-12-22T21:22:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/sustainable-saving-setting-goals-youll-stick-to-in-the-new-year/425</loc>
        <lastmod>2015-01-07T21:51:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/being-your-own-boss-starting-a-small-business-in-the-new-year/426</loc>
        <lastmod>2015-01-14T22:08:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-year-new-goals/104</loc>
        <lastmod>2015-01-18T19:57:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/pitch-perfect-the-art-of-pitching/429</loc>
        <lastmod>2015-01-30T03:45:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/windows-phone-windows-8-pinned-webpage-tile-icon/260</loc>
        <lastmod>2015-01-30T08:36:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/traps-for-young-players-how-not-to-use-your-credit-card/430</loc>
        <lastmod>2015-02-02T22:24:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/smart-deposit-atms/106</loc>
        <lastmod>2015-02-02T22:43:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/steps-involved-in-getting-a-home-loan/432</loc>
        <lastmod>2015-02-10T02:16:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/ask-tash-home-loans/107</loc>
        <lastmod>2015-02-13T03:29:49Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/is-it-always-better-to-pay-off-debt-before-saving/433</loc>
        <lastmod>2015-02-15T19:12:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/getting-ready-to-renovate/434</loc>
        <lastmod>2015-02-17T00:39:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/good-with-pixels/435</loc>
        <lastmod>2015-02-18T04:26:35Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/why-xeros-plummeting-share-price-is-irrelevant/57</loc>
        <lastmod>2015-02-18T08:22:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-to-next-level-your-start-up-overnight-win-bnzs-start-up-alley/436</loc>
        <lastmod>2015-02-19T08:01:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/young-money-haunted-by-the-ghost-of-mismanaged-finances-past/437</loc>
        <lastmod>2015-02-25T01:15:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/staying-safe-online/60</loc>
        <lastmod>2015-02-27T03:23:41Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bringing-up-baby-introducing-the-bnz-baby-budget-calculator/438</loc>
        <lastmod>2015-03-02T21:04:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/young-money-big-cities-on-small-budgets/440</loc>
        <lastmod>2015-03-08T23:20:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/buying-at-auction/442</loc>
        <lastmod>2015-03-10T03:33:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/young-money-own-it-dont-loan-it/443</loc>
        <lastmod>2015-03-13T21:27:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/get-smart-with-interest/444</loc>
        <lastmod>2015-03-16T22:08:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/pending-alert-in-my-internet-banking/261</loc>
        <lastmod>2015-03-16T23:44:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/automated-deposit-machines/110</loc>
        <lastmod>2015-03-17T02:53:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/young-money-fortune-favours-the-thrifty/445</loc>
        <lastmod>2015-03-17T21:06:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/global-plus-cash-back-offer-for-mortgage/113</loc>
        <lastmod>2015-03-19T22:15:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/double-points-on-global-plus/112</loc>
        <lastmod>2015-03-20T01:56:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/airpoints-with-no-expiry-on-platinum-card/116</loc>
        <lastmod>2015-03-20T03:37:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/will-new-cash-back-be-credited-to-the-actual-credit-card-or-another-bank-account/117</loc>
        <lastmod>2015-03-20T06:34:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/when-i-terminate-my-globalplus-account-will-i-receive-a-pro-rata-refund-of-my-card-fees/118</loc>
        <lastmod>2015-03-20T07:44:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/extended-warranty-insurance-benefit-pgp/119</loc>
        <lastmod>2015-03-20T08:28:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/status-points/114</loc>
        <lastmod>2015-03-20T20:49:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/tax-on-the-cash-back-offer/115</loc>
        <lastmod>2015-03-21T08:04:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-to-introduce-customers-to-a-change-online/262</loc>
        <lastmod>2015-03-23T21:43:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/which-home-loan-is-best-for-you/447</loc>
        <lastmod>2015-03-24T21:19:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-global-plus-rewards/123</loc>
        <lastmod>2015-03-26T07:24:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/budgeting-for-baby-tips-for-new-parents/109</loc>
        <lastmod>2015-03-28T09:23:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwisaver-changes-help-for-first-home-buyers/124</loc>
        <lastmod>2015-03-31T23:37:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/globalplus-insurance/125</loc>
        <lastmod>2015-04-06T21:41:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-future-stars-super-15-jerseys/122</loc>
        <lastmod>2015-04-08T00:48:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/charges-on-my-rapid-save-account/126</loc>
        <lastmod>2015-04-09T21:02:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/setting-up-a-savings-account-for-nephew/127</loc>
        <lastmod>2015-04-11T08:49:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/balance-transfers-have-you-done-one-before/105</loc>
        <lastmod>2015-04-11T09:16:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/statements-why-and-what-for/264</loc>
        <lastmod>2015-04-13T23:05:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/first-home-help/450</loc>
        <lastmod>2015-04-14T21:40:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/crediting-airpoints/129</loc>
        <lastmod>2015-04-15T02:16:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/changing-value-of-an-ap-online/128</loc>
        <lastmod>2015-04-15T09:59:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/tax-time-tips-for-managing-the-challenges-involved/451</loc>
        <lastmod>2015-04-15T22:27:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/five-tips-to-prepare-for-end-of-tax-year/61</loc>
        <lastmod>2015-04-15T23:24:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-rewards/89</loc>
        <lastmod>2015-04-20T19:07:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/annual-fees/121</loc>
        <lastmod>2015-04-21T02:12:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/5-business-tech-trends-to-watch-out-for-in-2015/59</loc>
        <lastmod>2015-04-21T20:55:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/viewing-transactions-from-1-year-ago/265</loc>
        <lastmod>2015-04-22T12:11:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/important-information-for-globalplus-customers/111</loc>
        <lastmod>2015-04-22T20:59:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mighty-successful-insider-tips-for-online-businesses-from-mighty-ape/452</loc>
        <lastmod>2015-04-28T22:11:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card/131</loc>
        <lastmod>2015-04-30T05:21:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/voice-contact-inaccessible/266</loc>
        <lastmod>2015-04-30T05:36:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-statement/132</loc>
        <lastmod>2015-04-30T07:07:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/telephone-banking/267</loc>
        <lastmod>2015-04-30T07:11:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/netgaurd/133</loc>
        <lastmod>2015-04-30T09:18:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/urgent-credit-card-query/134</loc>
        <lastmod>2015-04-30T21:00:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/a-disconnect-somewhere/120</loc>
        <lastmod>2015-05-01T06:57:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-phone-banking-app/268</loc>
        <lastmod>2015-05-03T22:32:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/atm-envelope-deposit/137</loc>
        <lastmod>2015-05-07T01:07:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paying-my-credit-card-bill/138</loc>
        <lastmod>2015-05-07T02:35:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/crowdfunding-cash-5-ways-to-fund-your-start-up-business/454</loc>
        <lastmod>2015-05-07T20:11:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/proposed-changes-to-lvr-restrictions-on-auckland-housing/140</loc>
        <lastmod>2015-05-12T22:29:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-protips-1-card-3-accounts/250</loc>
        <lastmod>2015-05-15T03:24:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/when-the-hammer-falls-my-journey-to-homeownership/455</loc>
        <lastmod>2015-05-20T20:15:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/smart-agriculture-what-resilient-farmers-do-differently/456</loc>
        <lastmod>2015-05-20T21:40:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/diy-online-marketing-for-your-business/63</loc>
        <lastmod>2015-05-26T03:11:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/proof-of-savings-income-for-visa-applications/139</loc>
        <lastmod>2015-05-28T06:01:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-fee-rebates/135</loc>
        <lastmod>2015-06-01T21:20:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/plug-the-leak-avoiding-avoidable-fees/457</loc>
        <lastmod>2015-06-02T20:22:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/will-a-change-in-credit-card-expiry-date-affect-my-direct-debit-s/145</loc>
        <lastmod>2015-06-03T05:31:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/feature-request-stronger-passwords-please/269</loc>
        <lastmod>2015-06-08T00:03:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/logging-in-to-bnz/65</loc>
        <lastmod>2015-06-08T00:06:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/young-money-the-struggle-is-real-when-to-save-and-when-to-splurge/458</loc>
        <lastmod>2015-06-08T20:07:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/planning-for-an-uncertain-future/459</loc>
        <lastmod>2015-06-09T23:30:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/sweep-and-dynamic-sweep/142</loc>
        <lastmod>2015-06-11T00:06:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/get-the-first-look-before-everyone-else-does/43</loc>
        <lastmod>2015-06-12T04:50:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/resilience-in-business-5-steps-to-get-started/460</loc>
        <lastmod>2015-06-15T20:12:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/android-app-ideas/310</loc>
        <lastmod>2015-06-15T20:49:22Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-apps-do-you-have-one/247</loc>
        <lastmod>2015-06-16T02:11:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/confirmation-of-payment/270</loc>
        <lastmod>2015-06-16T02:14:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/contacting-you-from-overseas/146</loc>
        <lastmod>2015-06-16T22:55:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/its-coming-touch-id-and-pin-login/271</loc>
        <lastmod>2015-06-24T09:45:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-app-calculator/272</loc>
        <lastmod>2015-06-24T23:25:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/notifications-for-bnz-mobile-app/252</loc>
        <lastmod>2015-06-25T02:16:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-to-put-references-on-international-payements/273</loc>
        <lastmod>2015-06-25T05:02:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/repayment-holidays/147</loc>
        <lastmod>2015-07-02T03:53:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/travel-tips/149</loc>
        <lastmod>2015-07-02T21:02:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/contacting-bnz-via-email-on-their-website/148</loc>
        <lastmod>2015-07-02T21:03:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/homeloans-how-much-should-i-borrow/439</loc>
        <lastmod>2015-07-06T05:10:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/young-money-the-art-of-managing-money-tales-from-a-teen/462</loc>
        <lastmod>2015-07-12T23:16:49Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/transferred-money-processing-time/150</loc>
        <lastmod>2015-07-15T01:50:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/acsess-number/151</loc>
        <lastmod>2015-07-15T21:13:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/dairy-price-decline-calls-for-resilient-mindset/68</loc>
        <lastmod>2015-07-16T02:03:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/chinese-share-market-current-situation/67</loc>
        <lastmod>2015-07-17T02:59:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/feature-request-credit-card-payment/276</loc>
        <lastmod>2015-07-17T06:20:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/why-the-tanking-new-zealand-dollar-isnt-always-bad/58</loc>
        <lastmod>2015-07-20T09:54:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/7-ways-to-straighten-out-banking-for-non-profits/465</loc>
        <lastmod>2015-07-20T22:02:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-rewards/578</loc>
        <lastmod>2015-07-22T04:11:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/accessing-app-from-two-phones/277</loc>
        <lastmod>2015-07-22T21:47:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/weve-dropped-our-totalmoney-rate-to-5-99/152</loc>
        <lastmod>2015-07-23T03:11:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/text-messages-for-credit-card-transactions/280</loc>
        <lastmod>2015-07-27T07:39:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/reporting-changes-bring-opportunity-for-non-profits/466</loc>
        <lastmod>2015-07-27T22:01:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/world-dairy-prices-101-with-tony-alexander/467</loc>
        <lastmod>2015-08-03T20:37:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/non-profit-business-basics-profit-and-loss-statements/468</loc>
        <lastmod>2015-08-03T21:51:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/no-warning-when-suspending-automatic-payments/279</loc>
        <lastmod>2015-08-04T23:39:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-mobile-app-permissions/283</loc>
        <lastmod>2015-08-09T08:43:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/growing-pains-tips-on-managing-business-growth-from-3-fast-growing-companies/417</loc>
        <lastmod>2015-08-10T20:02:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/greek-debt-crisis-101-with-tony-alexander/463</loc>
        <lastmod>2015-08-13T05:07:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-to-keep-your-cards-safe/471</loc>
        <lastmod>2015-08-14T00:44:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/non-profit-business-basics-balance-sheets/470</loc>
        <lastmod>2015-08-17T21:14:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/reward-rate-for-gold-amex/579</loc>
        <lastmod>2015-08-18T06:12:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/get-rediculous-with-us-for-cure-kids/472</loc>
        <lastmod>2015-08-20T04:23:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/what-s-happening-to-my-kiwisaver-account/473</loc>
        <lastmod>2015-08-27T03:42:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-cuts-one-year-fixed-rate-to-4-35/156</loc>
        <lastmod>2015-09-03T21:58:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/payee-pictures/291</loc>
        <lastmod>2015-09-04T02:07:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/young-money-dad-was-right/469</loc>
        <lastmod>2015-09-07T20:29:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/five-ways-new-parents-can-sort-their-finances/474</loc>
        <lastmod>2015-09-14T00:38:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/the-eagle-has-landed-mobile-update-now-available/274</loc>
        <lastmod>2015-09-14T20:32:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/hide-accounts-from-total-money-main-screen/287</loc>
        <lastmod>2015-09-16T22:44:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-advantage-dining-email/580</loc>
        <lastmod>2015-09-17T21:46:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bad-english/158</loc>
        <lastmod>2015-09-17T22:04:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/blocked-credit-card-while-we-are-overseas/159</loc>
        <lastmod>2015-09-18T01:40:03Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/welcome-to-bnz-advantage/576</loc>
        <lastmod>2015-09-20T22:35:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/fees/161</loc>
        <lastmod>2015-10-03T12:05:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-access/155</loc>
        <lastmod>2015-10-03T12:15:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/now-and-then-in-north-west-auckland/477</loc>
        <lastmod>2015-10-04T22:49:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/recycling-bank-account-numbers/154</loc>
        <lastmod>2015-10-09T09:46:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/why-auckland-s-housing-market-is-so-different/476</loc>
        <lastmod>2015-10-09T10:16:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/rapid-savings-a-c-term-deposit/162</loc>
        <lastmod>2015-10-12T03:47:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/sneak-peek-totalmoney-designs/286</loc>
        <lastmod>2015-10-13T07:12:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-statement/292</loc>
        <lastmod>2015-10-15T05:50:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/3-reasons-auckland-s-housing-market-went-into-overdrive/478</loc>
        <lastmod>2015-10-18T20:28:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-internet-banking/293</loc>
        <lastmod>2015-10-19T22:22:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-internet-banking/294</loc>
        <lastmod>2015-10-22T01:31:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-to-go-from-two-incomes-to-one/163</loc>
        <lastmod>2015-10-23T01:18:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/receiving-one-off-payment-from-australia/70</loc>
        <lastmod>2015-10-23T06:08:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/using-debit-card-as-credit-card/166</loc>
        <lastmod>2015-10-26T19:31:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/banking-with-bnz-from-overseas/164</loc>
        <lastmod>2015-10-27T00:52:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/all-about-the-official-cash-rate-ocr/479</loc>
        <lastmod>2015-11-01T22:05:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-cards-page/289</loc>
        <lastmod>2015-11-02T00:23:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/community-consultation/165</loc>
        <lastmod>2015-11-02T10:56:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/xmas-spending/93</loc>
        <lastmod>2015-11-02T11:03:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/community-meeting-outcomes/167</loc>
        <lastmod>2015-11-03T07:20:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/the-work-life-balancing-act-one-man-s-story/480</loc>
        <lastmod>2015-11-04T02:39:42Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/getting-the-older-generation-to-understand-internet-banking/295</loc>
        <lastmod>2015-11-04T12:21:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card/300</loc>
        <lastmod>2015-11-05T00:19:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-do-i-find-balance-on-particular-date/169</loc>
        <lastmod>2015-11-05T02:46:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-internet-dissappointing/297</loc>
        <lastmod>2015-11-05T05:30:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-internet-banking-contact-phone-number/301</loc>
        <lastmod>2015-11-10T03:46:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/let-users-come-back-to-old-interface/298</loc>
        <lastmod>2015-11-11T11:39:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/agents/170</loc>
        <lastmod>2015-11-11T13:01:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/retirement-increasing-life-expectancy-and-the-demand-for-investment-property/481</loc>
        <lastmod>2015-11-12T01:41:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-history/171</loc>
        <lastmod>2015-11-12T06:33:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/homeowner-or-renter-for-life/90</loc>
        <lastmod>2015-11-14T10:30:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/chinese-stock-meltdown-101-with-tony-alexander/464</loc>
        <lastmod>2015-11-14T10:51:49Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwisaver-kick-start-cut-will-it-impact-enrolment/141</loc>
        <lastmod>2015-11-18T09:06:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/why-property-investors-should-keep-an-eye-on-transport-developments/483</loc>
        <lastmod>2015-11-24T22:45:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/approx-budget-for-decorating-babys-room/130</loc>
        <lastmod>2015-11-27T09:24:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/financial-support-for-new-families/484</loc>
        <lastmod>2015-11-29T21:11:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/realme/173</loc>
        <lastmod>2015-12-05T14:29:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-scores-what-are-they-and-why-are-they-important/99</loc>
        <lastmod>2015-12-06T08:36:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/totalmoney-upgrade-from-10-accounts-to-50/174</loc>
        <lastmod>2015-12-06T22:39:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/3-ways-to-make-new-internet-banking-work-better-for-you/303</loc>
        <lastmod>2015-12-09T01:48:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/some-ideas-to-make-the-mobile-app-even-better/290</loc>
        <lastmod>2015-12-11T00:56:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/tis-the-season-to-be-good-with-money/175</loc>
        <lastmod>2015-12-14T02:13:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/power-up-your-start-up/482</loc>
        <lastmod>2015-12-16T01:38:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/as-low-as-theyll-go-interest-rates-and-aucklands-housing-market/485</loc>
        <lastmod>2015-12-21T22:49:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paying-the-total-money-account-from-internet-banking/176</loc>
        <lastmod>2015-12-22T21:41:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/re-direct-debit/179</loc>
        <lastmod>2015-12-28T20:41:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/spam/304</loc>
        <lastmod>2015-12-28T20:44:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/netguard-mobile-app/305</loc>
        <lastmod>2016-01-04T21:36:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-connect/71</loc>
        <lastmod>2016-01-05T22:21:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/receiving-payments-on-my-website/64</loc>
        <lastmod>2016-01-06T23:09:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/monthly-account-fee/172</loc>
        <lastmod>2016-01-07T06:22:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/uk-bank-account/178</loc>
        <lastmod>2016-01-07T23:35:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-payer-name/307</loc>
        <lastmod>2016-01-08T02:44:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/tribunal-applications/160</loc>
        <lastmod>2016-01-10T10:21:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-rating/136</loc>
        <lastmod>2016-01-10T23:50:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-suggestions/72</loc>
        <lastmod>2016-01-11T06:33:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwisaver/143</loc>
        <lastmod>2016-01-11T21:08:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/generate-statements/308</loc>
        <lastmod>2016-01-11T22:06:35Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/vanuatus-piggy-bank/182</loc>
        <lastmod>2016-01-12T00:28:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/home-buying-help-for-auckland-first-home-buyers/183</loc>
        <lastmod>2016-01-12T15:46:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/direct-debit/184</loc>
        <lastmod>2016-01-13T09:59:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bug-account-balance-updating-in-some-places-and-not-others-web-and-ios/312</loc>
        <lastmod>2016-01-19T02:31:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/a-place-in-the-sun-new-zealand-house-prices-versus-overseas/486</loc>
        <lastmod>2016-01-19T08:13:42Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paying-gst-annual-vs-more-frequent-payments/54</loc>
        <lastmod>2016-01-19T08:36:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/transaction-list/186</loc>
        <lastmod>2016-01-20T03:48:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/starting-out-as-a-sole-trader-self-employed/53</loc>
        <lastmod>2016-01-21T10:17:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwisaver-returns/189</loc>
        <lastmod>2016-01-22T01:21:42Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-cards-section/314</loc>
        <lastmod>2016-01-22T02:39:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/happy-new-year-what-have-you-got-planned-for-2016/181</loc>
        <lastmod>2016-01-22T23:04:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-changes/144</loc>
        <lastmod>2016-01-25T00:20:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/eyes-on-the-horizon-market-volatility-and-your-kiwisaver-account/487</loc>
        <lastmod>2016-01-26T03:44:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/idea-account-sweeping-based-on-a-percentage/185</loc>
        <lastmod>2016-01-26T23:27:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/balance-transfer-multiple-cards/191</loc>
        <lastmod>2016-01-27T02:59:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/changing-credit-card-type-or-transfer-balance-to-other-card/190</loc>
        <lastmod>2016-01-27T03:00:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwisaver-transfers/192</loc>
        <lastmod>2016-01-28T08:48:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/csr-101-questions-and-poor-attitudes/193</loc>
        <lastmod>2016-02-02T03:30:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/rich-dad-radio-on-the-economy/194</loc>
        <lastmod>2016-02-02T09:31:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/tpp/195</loc>
        <lastmod>2016-02-03T02:29:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/airpoints-flybuys-rewards-on-debit-cards/196</loc>
        <lastmod>2016-02-03T22:15:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/interest-payments-account/74</loc>
        <lastmod>2016-02-04T23:01:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-internet-banking-balances-dont-add-up/315</loc>
        <lastmod>2016-02-05T00:58:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/student-loan-balance-contributions-in-bnz-app/328</loc>
        <lastmod>2016-02-06T07:01:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/travel-money/197</loc>
        <lastmod>2016-02-07T01:31:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/reckless-spender-needs-help/108</loc>
        <lastmod>2016-02-08T00:21:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/personal-on-line-banking/198</loc>
        <lastmod>2016-02-08T22:40:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-app-for-windows-phone-windows-tablets/259</loc>
        <lastmod>2016-02-09T22:21:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/using-visa-debit-eftpos-overseas/199</loc>
        <lastmod>2016-02-12T00:01:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-limit/201</loc>
        <lastmod>2016-02-13T06:52:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/unable-to-log-in/317</loc>
        <lastmod>2016-02-14T10:44:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/seeing-percentage-interest-accounts-are-paying/318</loc>
        <lastmod>2016-02-16T02:19:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/missing-upcoming-payments/319</loc>
        <lastmod>2016-02-18T01:46:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/no-credit-card-account-visible/320</loc>
        <lastmod>2016-02-21T20:18:35Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/a-new-year-begins-5-predictions-on-the-chinese-market/75</loc>
        <lastmod>2016-02-22T00:57:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/migration-flows-and-aucklands-housing-shortage/488</loc>
        <lastmod>2016-02-23T22:36:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/video-visionary-how-wellington-start-up-wipster-came-to-be/489</loc>
        <lastmod>2016-02-24T03:13:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/another-credit-score-update/203</loc>
        <lastmod>2016-02-24T07:24:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-decline/202</loc>
        <lastmod>2016-02-24T20:46:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/the-journey-to-being-credit-card-debt-free/446</loc>
        <lastmod>2016-02-27T10:49:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/automatic-payments-from-app/248</loc>
        <lastmod>2016-02-29T01:44:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/join-bnz-through-the-app-doesnt-work/323</loc>
        <lastmod>2016-03-03T10:01:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-reporting-and-the-moj/205</loc>
        <lastmod>2016-03-04T01:07:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/what-is-the-direct-debit-authority-number-that-has-to-be-included-in-the-ib4b-file/322</loc>
        <lastmod>2016-03-04T02:40:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-reporting-a-final-word/208</loc>
        <lastmod>2016-03-04T09:24:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/financial-independence-in-a-marriage-important-or-not/188</loc>
        <lastmod>2016-03-06T03:15:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/smart-atms/206</loc>
        <lastmod>2016-03-06T23:16:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/tertiary-accounts-interest-free-overdrafts/210</loc>
        <lastmod>2016-03-09T04:40:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/customer-service/177</loc>
        <lastmod>2016-03-10T06:53:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/travelling-to-china/200</loc>
        <lastmod>2016-03-10T13:50:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/here-s-to-you-mrs-robinson/491</loc>
        <lastmod>2016-03-14T02:32:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/us-presidential-race-may-add-to-volatility/490</loc>
        <lastmod>2016-03-14T08:04:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/atm-card-use-denied-while-overseas/324</loc>
        <lastmod>2016-03-15T01:48:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cashflow/73</loc>
        <lastmod>2016-03-17T10:49:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/a-makeover-for-totalmoney/302</loc>
        <lastmod>2016-03-18T02:41:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-comfirming-details-to-a-third-party-in-internet-banking/211</loc>
        <lastmod>2016-03-18T22:11:41Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/linkedin-if-you-arent-using-it-for-business-here-is-a-good-place-to-start/76</loc>
        <lastmod>2016-03-21T08:32:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/timing-of-credit-card-transactions/212</loc>
        <lastmod>2016-03-23T20:23:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/the-union-jack-stays/213</loc>
        <lastmod>2016-03-24T11:03:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-scoring/214</loc>
        <lastmod>2016-03-25T04:30:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/templates/216</loc>
        <lastmod>2016-03-27T00:48:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwisaver-update/217</loc>
        <lastmod>2016-03-27T03:13:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/opening-an-account/215</loc>
        <lastmod>2016-03-27T08:10:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/no-credit-checks/218</loc>
        <lastmod>2016-03-28T07:16:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/want-to-talk-business-so-do-we/52</loc>
        <lastmod>2016-03-29T04:52:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/doing-business-in-india/77</loc>
        <lastmod>2016-03-29T23:19:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/statement-of-account-one-year-ago/330</loc>
        <lastmod>2016-03-31T04:13:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-security-risk/329</loc>
        <lastmod>2016-03-31T05:58:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-report-update/219</loc>
        <lastmod>2016-03-31T09:12:42Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/scheduled-outage-sunday-3-april/221</loc>
        <lastmod>2016-04-01T00:53:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking/220</loc>
        <lastmod>2016-04-01T05:54:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/more-accounts-for-total-money/225</loc>
        <lastmod>2016-04-04T04:21:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/do-i-really-have-to-network/492</loc>
        <lastmod>2016-04-04T04:42:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-taking-the-piss-with-account-overdrawn-charges-on-fees/79</loc>
        <lastmod>2016-04-04T16:16:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/we-need-a-mobile-internet-banking-app-for-windows-10/331</loc>
        <lastmod>2016-04-05T06:41:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/an-article-on-credit-reporting/222</loc>
        <lastmod>2016-04-05T16:04:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-multi-currency-online-payments/80</loc>
        <lastmod>2016-04-06T08:00:22Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/csv-export-not-working/309</loc>
        <lastmod>2016-04-07T00:27:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-just-cannot-get-it-correct/81</loc>
        <lastmod>2016-04-07T01:41:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/data-crunch-an-update-on-aucklands-housing-market/493</loc>
        <lastmod>2016-04-08T00:42:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/i-cannot-login/336</loc>
        <lastmod>2016-04-12T02:39:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/home-loans-salary-going-into-bnz-account/224</loc>
        <lastmod>2016-04-14T22:18:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/suggestion-card-with-discounts/583</loc>
        <lastmod>2016-04-15T07:44:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/telegraphic-transfer-and-international-department/227</loc>
        <lastmod>2016-04-15T22:28:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/debt-free/226</loc>
        <lastmod>2016-04-16T22:55:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/injunction/228</loc>
        <lastmod>2016-04-17T07:36:22Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/encore-and-baycorp/229</loc>
        <lastmod>2016-04-17T07:38:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/start-up-stand-up-meet-the-finalists/494</loc>
        <lastmod>2016-04-18T04:55:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/ability-to-tell-if-a-payment-is-an-automatic-payment-or-direct-debit/332</loc>
        <lastmod>2016-04-19T02:44:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/overseas-banking/230</loc>
        <lastmod>2016-04-19T22:58:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/a-question-for-the-bank/82</loc>
        <lastmod>2016-04-20T12:15:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/the-buyers-are-back-aucklands-housing-market/495</loc>
        <lastmod>2016-04-21T09:44:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/scheduled-outage-sunday-1-may/338</loc>
        <lastmod>2016-04-27T22:48:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-checks/234</loc>
        <lastmod>2016-04-30T01:06:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/balance-enquiry-but-netguard-expired-no-telephone-banking-code/235</loc>
        <lastmod>2016-05-02T01:15:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/ios-app-generic-questions/339</loc>
        <lastmod>2016-05-02T21:08:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/help-shape-what-kiwisaver-looks-like-for-the-future/237</loc>
        <lastmod>2016-05-05T04:24:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/touch-and-go/83</loc>
        <lastmod>2016-05-11T00:17:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-outage/342</loc>
        <lastmod>2016-05-11T22:21:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwi-start-ups-touch-down-in-san-francisco/497</loc>
        <lastmod>2016-05-16T03:22:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/get-down-to-business-with-internet-banking/340</loc>
        <lastmod>2016-05-16T10:22:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/printing-individual-transactions/282</loc>
        <lastmod>2016-05-16T20:10:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/the-easiest-521-youll-ever-make/461</loc>
        <lastmod>2016-05-18T09:47:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/do-you-suffer-from-fomo-you-wont-want-to-miss-out-on-this/496</loc>
        <lastmod>2016-05-18T23:24:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/ability-to-print-overseas-payments/333</loc>
        <lastmod>2016-05-19T00:22:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/sorting-transactions/344</loc>
        <lastmod>2016-05-19T10:25:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/printing-payments-for-future-payments/240</loc>
        <lastmod>2016-05-20T02:46:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking/242</loc>
        <lastmod>2016-05-22T00:35:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/feature-request-nexus-imprint-fingerprint-authentication/327</loc>
        <lastmod>2016-05-23T21:31:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/about-the-announcements-and-information-category/16</loc>
        <lastmod>2016-05-30T09:42:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/about-the-personal-banking-category/18</loc>
        <lastmod>2016-05-30T09:42:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/about-the-blog-comments-category/28</loc>
        <lastmod>2016-05-30T09:42:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-to-using-this-site/1917</loc>
        <lastmod>2016-05-30T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/old-internet-banking-international-payments/244</loc>
        <lastmod>2016-05-30T23:07:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-interface-unable-to-locate-where-i-can-export-print-the-page-in-pdf-format/316</loc>
        <lastmod>2016-05-30T23:12:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/about-the-online-and-mobile-category/19</loc>
        <lastmod>2016-05-31T00:08:42Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/about-the-business-banking-category/17</loc>
        <lastmod>2016-05-31T00:10:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/about-the-site-feedback-category/2</loc>
        <lastmod>2016-05-31T00:15:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/welcome-to-bnz-community/8</loc>
        <lastmod>2016-05-31T06:13:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/todays-inflation-forecast-subdued-with-a-chance-of-increased-credit-control/1921</loc>
        <lastmod>2016-05-31T10:40:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwi-start-ups-touch-down-in-san-francisco/1924</loc>
        <lastmod>2016-05-31T11:23:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cash-passport-or-onesmart/157</loc>
        <lastmod>2016-06-01T00:50:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/direct-debit-should-the-merchant-always-be-right/223</loc>
        <lastmod>2016-06-01T01:03:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/pay-by-phone-with-iphone/2039</loc>
        <lastmod>2016-06-01T20:41:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/gifts-file-format/326</loc>
        <lastmod>2016-06-02T04:28:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-internet-banking-website-feedback/2645</loc>
        <lastmod>2016-06-03T23:47:22Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/iphone-app-down-again/2394</loc>
        <lastmod>2016-06-04T06:50:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/what-vend-are-really-in-the-business-of-doing/2686</loc>
        <lastmod>2016-06-06T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-site-welcome-heres-what-you-need-to-know/1918</loc>
        <lastmod>2016-06-06T20:43:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/list-of-payments-ready-to-pay/2162</loc>
        <lastmod>2016-06-06T21:26:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/social-sign-on-for-community-now-live/2650</loc>
        <lastmod>2016-06-06T23:46:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/ofx-format/2776</loc>
        <lastmod>2016-06-07T23:17:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-payments/2691</loc>
        <lastmod>2016-06-07T23:31:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/feature-requests/253</loc>
        <lastmod>2016-06-08T02:00:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/feature-request-savings-tracker/2788</loc>
        <lastmod>2016-06-09T22:46:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/fingerprint-login-android-other-new-mobile-features/2985</loc>
        <lastmod>2016-06-10T04:06:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/update-on-internet-mobile-card-transaction-issues/3141</loc>
        <lastmod>2016-06-13T04:13:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-internet-banking-transaction-issues-june-2016/3133</loc>
        <lastmod>2016-06-13T04:13:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-startup-standup-make-it-memorable/3388</loc>
        <lastmod>2016-06-13T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/growing-pains-tips-on-managing-business-growth-from-3-fast-growing-companies/3488</loc>
        <lastmod>2016-06-14T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/search-function-in-new-internet-banking/3379</loc>
        <lastmod>2016-06-14T20:42:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bangers-and-cash/3372</loc>
        <lastmod>2016-06-14T22:40:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/interest-rates/2983</loc>
        <lastmod>2016-06-15T03:13:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/opening-and-closing-balances/341</loc>
        <lastmod>2016-06-15T05:09:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/your-total-money-summary/345</loc>
        <lastmod>2016-06-15T05:16:03Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/payclip-customer-email-addresses/3069</loc>
        <lastmod>2016-06-16T20:54:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/difference-between-bp-cr-and-dc/3371</loc>
        <lastmod>2016-06-17T02:35:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/community-announcement-were-getting-an-upgrade/51</loc>
        <lastmod>2016-06-20T21:14:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/digest-email-colours/3964</loc>
        <lastmod>2016-06-21T01:50:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-internet-banking-interface/288</loc>
        <lastmod>2016-06-22T23:57:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/function-to-be-removed-on-new-online-site-pls-maintain/4189</loc>
        <lastmod>2016-06-23T01:47:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-bank-limitations/4141</loc>
        <lastmod>2016-06-23T02:32:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-era-in-australian-nz-banking/4007</loc>
        <lastmod>2016-06-23T03:17:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/feature-requests/275</loc>
        <lastmod>2016-06-24T02:29:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/brexit-and-what-it-means-for-new-zealanders/4503</loc>
        <lastmod>2016-06-26T22:32:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/forex-account-transaction-history/4206</loc>
        <lastmod>2016-06-27T03:05:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/understanding-the-impact-of-brexit-on-your-kiwisaver-account/4533</loc>
        <lastmod>2016-06-27T04:12:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cant-access-online-documents/4209</loc>
        <lastmod>2016-06-28T00:12:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-site-existing-members-reset-your-password/1916</loc>
        <lastmod>2016-06-28T22:54:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/help-us-shape-the-mobile-business-banking-app/4666</loc>
        <lastmod>2016-06-28T23:34:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/votes-counted-uk-leaves-the-european-union/4310</loc>
        <lastmod>2016-06-29T09:59:41Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwisaver-information-in-the-app/5200</loc>
        <lastmod>2016-06-30T22:22:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/archived-statements-over-1-year-old/4834</loc>
        <lastmod>2016-07-04T01:45:41Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/save-the-change/4404</loc>
        <lastmod>2016-07-04T04:12:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/transactions-details-immediately/3044</loc>
        <lastmod>2016-07-04T04:18:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/making-a-donation-via-bnz-internet-banking/285</loc>
        <lastmod>2016-07-05T01:30:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/support-some-awesome-charities-via-bnz-online-banking-this-month-it-s-victim-support/5045</loc>
        <lastmod>2016-07-05T03:47:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/csv-files-exporting-older-than-6-months/187</loc>
        <lastmod>2016-07-05T22:10:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/talking-tech-and-banking-on-the-go/245</loc>
        <lastmod>2016-07-07T02:42:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/apple-watch-app/5273</loc>
        <lastmod>2016-07-08T06:33:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-internet-banking/281</loc>
        <lastmod>2016-07-09T08:43:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/escrow-account/4820</loc>
        <lastmod>2016-07-10T05:39:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/closed-for-good-and-helping-kids-be-good-with-money/5448</loc>
        <lastmod>2016-07-10T22:52:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/pinning-cards-from-overseas/4327</loc>
        <lastmod>2016-07-11T08:24:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/changes-to-same-day-cleared-payment-notifications/5523</loc>
        <lastmod>2016-07-12T01:43:41Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/address-updates-and-new-cards/207</loc>
        <lastmod>2016-07-14T01:16:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/changes-to-automatic-payment-processing/5590</loc>
        <lastmod>2016-07-14T10:47:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/weekend-transfer-from-anz/321</loc>
        <lastmod>2016-07-14T10:49:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-wallet-beta-testing/5176</loc>
        <lastmod>2016-07-15T03:42:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/reporting-to-credit-agencies/243</loc>
        <lastmod>2016-07-16T04:27:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/debit-cards-age/5830</loc>
        <lastmod>2016-07-17T23:36:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/tips-for-travellers/88</loc>
        <lastmod>2016-07-19T04:48:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/auto-route-payments/6187</loc>
        <lastmod>2016-07-19T21:41:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-transfer-to-bpay-australia/6365</loc>
        <lastmod>2016-07-25T22:13:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cheque/6936</loc>
        <lastmod>2016-07-28T20:33:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/striking-out-for-gold/7079</loc>
        <lastmod>2016-07-28T21:55:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/protecting-your-bnz-card-from-counterfeit-fraud/6908</loc>
        <lastmod>2016-07-29T01:16:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/technical-issue/5723</loc>
        <lastmod>2016-07-30T12:17:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/the-brexit-effect/7365</loc>
        <lastmod>2016-08-01T02:42:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/support-good-shepherd-one-of-our-community-finance-partners-through-internet-banking/7535</loc>
        <lastmod>2016-08-02T22:08:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/when-does-home-loan-payments-leave-account-first-thing-or-last-thing/7136</loc>
        <lastmod>2016-08-03T20:52:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-banking-error/306</loc>
        <lastmod>2016-08-03T21:38:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/rules-of-direct-debits/7041</loc>
        <lastmod>2016-08-04T21:05:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-app-unique-pictures/8064</loc>
        <lastmod>2016-08-08T23:53:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/account-type/8065</loc>
        <lastmod>2016-08-09T01:33:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/percentage-saving-goals/5612</loc>
        <lastmod>2016-08-09T03:09:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/statements-online-available-online/5124</loc>
        <lastmod>2016-08-15T01:48:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/post-holiday-bank-statement-check/8753</loc>
        <lastmod>2016-08-15T21:50:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/smart-atm/8611</loc>
        <lastmod>2016-08-19T00:16:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/routing-number/9057</loc>
        <lastmod>2016-08-19T04:00:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/naveya-sloane-s-sparkling-success/9510</loc>
        <lastmod>2016-08-23T21:57:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-connect-events/78</loc>
        <lastmod>2016-08-24T02:39:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/is-the-unitary-plan-the-great-savior-of-aucklands-housing-crisis/8847</loc>
        <lastmod>2016-08-29T01:23:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/using-payclip-with-old-email-adresss/9925</loc>
        <lastmod>2016-08-29T20:05:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-customised-credit-debit-cards/8711</loc>
        <lastmod>2016-08-30T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/track-your-savings/10169</loc>
        <lastmod>2016-08-31T01:28:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/on-the-frontline-of-cyber-warfare/14126</loc>
        <lastmod>2016-08-31T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/payclip-updates-out-now-whats-new/62</loc>
        <lastmod>2016-09-02T16:43:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/pay-clip-error-message/9500</loc>
        <lastmod>2016-09-02T16:51:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/overdaft-a-fraud/5122</loc>
        <lastmod>2016-09-04T07:25:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/frequent-downtimes/4422</loc>
        <lastmod>2016-09-07T05:41:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/courtesy-call-back-system/153</loc>
        <lastmod>2016-09-07T05:47:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/closed-for-good-running-financial-literacy-workshops-in-prisons/7656</loc>
        <lastmod>2016-09-07T09:41:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/printing-summary-of-accounts-for-statements/239</loc>
        <lastmod>2016-09-08T05:03:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/current-transactions/343</loc>
        <lastmod>2016-09-08T05:07:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/personal-load-draw-down-time-frame/10546</loc>
        <lastmod>2016-09-12T03:33:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paragliding-covered/11265</loc>
        <lastmod>2016-09-13T03:58:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/balance-transfer-question/11064</loc>
        <lastmod>2016-09-13T04:54:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mooncake-festival-lights-up-chinese-business-opportunities/11446</loc>
        <lastmod>2016-09-13T21:09:49Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/this-months-charity-multiple-sclerosis-nz-how-you-can-help/10370</loc>
        <lastmod>2016-09-13T23:29:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/another-invoice-scam-doing-the-rounds/11634</loc>
        <lastmod>2016-09-15T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mad-groups-appetite-for-expansion/11895</loc>
        <lastmod>2016-09-18T21:49:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cant-access-bnzs-website/11986</loc>
        <lastmod>2016-09-19T19:38:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-mobile-site-m-bnz-co-nz-in-edge-brower-windows-10-mobile/11937</loc>
        <lastmod>2016-09-22T02:54:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/idea-share-money-management-and-spending-tracker/3310</loc>
        <lastmod>2016-09-22T03:18:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/apple-watch-app-mobile-net-guard-limit/11834</loc>
        <lastmod>2016-09-22T04:15:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/activating-your-account-notifications/12221</loc>
        <lastmod>2016-09-22T05:43:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paypal-transfer-to-my-bnz-bank-account/11945</loc>
        <lastmod>2016-09-23T08:30:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/we-don-t-want-you-to-fall-for-this-tax-themed-scam/11249</loc>
        <lastmod>2016-09-25T11:19:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/what-you-need-to-know-when-buying-a-house-in-auckland/12558</loc>
        <lastmod>2016-09-25T21:04:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/fingerprint-login/4941</loc>
        <lastmod>2016-09-26T04:34:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/changing-home-loan-repayments-online/12698</loc>
        <lastmod>2016-09-26T11:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/keep-your-scam-eyes-open-for-this-one/12692</loc>
        <lastmod>2016-09-27T10:29:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/brexit-s-effect-on-your-kiwisaver/12797</loc>
        <lastmod>2016-09-28T01:24:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/youtube-channel-credit-card-insider/12824</loc>
        <lastmod>2016-09-28T06:41:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/transfers-to-business-credit-card/12791</loc>
        <lastmod>2016-09-29T00:16:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/investors-nerves-on-edge-as-us-election-approaches/13564</loc>
        <lastmod>2016-10-05T20:00:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/swapping-credit-card/13670</loc>
        <lastmod>2016-10-07T01:18:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/interest-to-other-accounts/14047</loc>
        <lastmod>2016-10-07T02:57:49Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/we-don-t-want-you-to-get-caught-out-by-this-computer-virus-scam/13932</loc>
        <lastmod>2016-10-09T11:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-online-statements/13763</loc>
        <lastmod>2016-10-09T19:51:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/calculator-within-the-app/13878</loc>
        <lastmod>2016-10-10T02:03:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-for-business-monthly-fee-scrapped/13391</loc>
        <lastmod>2016-10-10T03:25:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/share-account-number-in-app-is-defaulting-to-email-how-can-i-change-to-text/12513</loc>
        <lastmod>2016-10-11T21:07:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/important-information-about-flybuys-unofficial-post/13576</loc>
        <lastmod>2016-10-11T23:56:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/access-to-accounts-in-case-of-the-worst/13981</loc>
        <lastmod>2016-10-12T01:24:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/insurance/13708</loc>
        <lastmod>2016-10-12T21:16:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/spark-and-skinny-prepaid-top-ups/335</loc>
        <lastmod>2016-10-21T00:21:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-wallets-apple-pay/278</loc>
        <lastmod>2016-10-22T04:33:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/choice-of-music-at-bnz-branches/13492</loc>
        <lastmod>2016-10-24T22:14:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/issues-with-mobile-and-internet-banking-october-25-2016/15359</loc>
        <lastmod>2016-10-25T06:27:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/set-up-telephone-banking-today/15392</loc>
        <lastmod>2016-10-25T09:48:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/intersst-on-rapid-savings-theft-by-banks/14789</loc>
        <lastmod>2016-10-25T18:17:42Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/what-is-so-difficult-about-getting-a-bank-statement-right/15385</loc>
        <lastmod>2016-10-25T19:52:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/managing-automatic-payments/14733</loc>
        <lastmod>2016-10-26T03:08:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-travel-insurance/15493</loc>
        <lastmod>2016-10-26T07:26:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/visa-benefits/15891</loc>
        <lastmod>2016-10-30T23:31:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bsb-number/15916</loc>
        <lastmod>2016-10-31T20:21:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/red-nose-appeal/15946</loc>
        <lastmod>2016-10-31T22:35:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/changes-to-credit-card-payments-and-interest/16381</loc>
        <lastmod>2016-11-01T11:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/script-error/15476</loc>
        <lastmod>2016-11-05T00:26:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/order-of-accounts/15754</loc>
        <lastmod>2016-11-05T09:54:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-credit-scoring-works/16243</loc>
        <lastmod>2016-11-05T23:34:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-internet-banking-show-particulars-code-and-reference-on-bill-payment-confirmations/296</loc>
        <lastmod>2016-11-09T04:37:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bring-back-airpoints/1983</loc>
        <lastmod>2016-11-10T20:34:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/housings-overvalued-but-kiwis-banking-on-increases/16510</loc>
        <lastmod>2016-11-10T20:41:35Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/earthquake-support-donate-to-red-cross-now/16726</loc>
        <lastmod>2016-11-14T03:18:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/the-same-questions-make-updating-your-insurance-torture/16136</loc>
        <lastmod>2016-11-14T17:02:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/a-note-for-bnz-small-business-customers/16790</loc>
        <lastmod>2016-11-15T01:14:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/financial-flexibility-for-earthquake-affected-nzers/16888</loc>
        <lastmod>2016-11-16T03:28:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-zealands-deloitte-fast-50-announced/16956</loc>
        <lastmod>2016-11-17T00:08:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/important-information-for-staff-and-customers-following-nov-14-quakes-tsunami-warnings/16697</loc>
        <lastmod>2016-11-17T06:03:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/more-than-one-account-on-same-app/16804</loc>
        <lastmod>2016-11-18T06:28:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/auckland-property-developers-feel-funding-pinch/17243</loc>
        <lastmod>2016-11-20T22:36:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/help-with-receiving-an-international-payment/17350</loc>
        <lastmod>2016-11-23T01:01:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/modica-groups-tips-for-expanding-your-business-overseas/17467</loc>
        <lastmod>2016-11-24T00:56:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/problems-with-custom-date-range-statements/17487</loc>
        <lastmod>2016-11-28T20:45:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/setting-up-a-foreign-exchange-strategy-for-your-business/17846</loc>
        <lastmod>2016-11-29T04:13:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/android-pay/12237</loc>
        <lastmod>2016-11-30T20:28:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/joining-bnz-from-overseas-nz-citizen/17972</loc>
        <lastmod>2016-12-01T03:35:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/semble-bye-bye-bnz-has-something-in-the-pipeline/6054</loc>
        <lastmod>2016-12-01T20:13:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/net-guard/18067</loc>
        <lastmod>2016-12-04T22:13:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/take-control-of-your-credit-card/441</loc>
        <lastmod>2016-12-05T05:35:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/donate-to-salvation-army-christmas-appeal/18193</loc>
        <lastmod>2016-12-05T05:38:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-northwest-store-talk-scam-savvy/18227</loc>
        <lastmod>2016-12-08T01:40:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paytag-for-credit-card/18182</loc>
        <lastmod>2016-12-08T04:03:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/international-purchases-using-credit-card/2025</loc>
        <lastmod>2016-12-08T21:04:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/steer-clear-of-financial-crime-this-festive-season/18352</loc>
        <lastmod>2016-12-08T21:14:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/what-s-the-deal-with-credit-card-chargebacks-and-risky-online-investments/18520</loc>
        <lastmod>2016-12-10T11:58:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/fly-buys/18355</loc>
        <lastmod>2016-12-11T21:58:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/wine-service-or-drug-deal/18278</loc>
        <lastmod>2016-12-14T18:10:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/snap-rentals-is-driving-growth-with-asset-finance/18460</loc>
        <lastmod>2016-12-14T23:02:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/android-pay-reliable/18562</loc>
        <lastmod>2016-12-15T02:21:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/login-page-returns-500-error/19012</loc>
        <lastmod>2016-12-21T20:18:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/my-money-for-business-fee-steep-fee-increase/19073</loc>
        <lastmod>2016-12-22T02:34:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-kaikoura-store-open-plus-earthquake-support-needed-by-red-cross/17900</loc>
        <lastmod>2016-12-29T11:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/the-low-down-how-to-improve-your-credit-score/428</loc>
        <lastmod>2017-01-01T05:21:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/rapid-save-transfer-fees/19661</loc>
        <lastmod>2017-01-03T20:15:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/apple-pay/180</loc>
        <lastmod>2017-01-04T21:05:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-application/19965</loc>
        <lastmod>2017-01-06T05:16:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-app-feature-request-international-travel-notifications/20345</loc>
        <lastmod>2017-01-12T21:35:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/self-service-ability-to-suspend-a-card-temporarily/20982</loc>
        <lastmod>2017-01-13T23:34:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/telephone-survey-scam-warning/21640</loc>
        <lastmod>2017-01-19T11:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/budgeting-and-paying-back-an-o-d/21499</loc>
        <lastmod>2017-01-22T22:50:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-advantage-visa-additional-card-holder/21790</loc>
        <lastmod>2017-01-23T20:32:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-remove-joint-card-holder/22060</loc>
        <lastmod>2017-01-27T01:26:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/direct-credit-payment/21909</loc>
        <lastmod>2017-01-27T05:53:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/heart-foundation-appeal/23093</loc>
        <lastmod>2017-01-31T11:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/record-number-of-bnz-start-up-alley-entries/22406</loc>
        <lastmod>2017-02-08T20:22:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/evil-paywave-when-will-bnz-act/22128</loc>
        <lastmod>2017-02-08T22:24:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-insurance-embargo/22690</loc>
        <lastmod>2017-02-09T00:35:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/phone-scam-targets-elderly/22853</loc>
        <lastmod>2017-02-09T21:17:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-credit-card/22916</loc>
        <lastmod>2017-02-11T03:16:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/have-you-heard-of-this-telephone-scam/22446</loc>
        <lastmod>2017-02-11T03:24:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paying-by-credit-card-via-internet-banking/22986</loc>
        <lastmod>2017-02-12T23:37:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-do-i-get-a-new-netguard/23016</loc>
        <lastmod>2017-02-13T01:42:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-lifestyle-benefits/23076</loc>
        <lastmod>2017-02-13T22:34:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/retry-payment-cut-off-time/23112</loc>
        <lastmod>2017-02-14T20:51:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/sporting-pain-becomes-start-ups-gain/23288</loc>
        <lastmod>2017-02-16T22:29:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/silly-faint-fonts/22025</loc>
        <lastmod>2017-02-19T21:08:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/smart-pc-botany/23456</loc>
        <lastmod>2017-02-19T23:44:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/payment/24732</loc>
        <lastmod>2017-03-08T00:03:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/views-on-the-new-zealand-housing-market/24349</loc>
        <lastmod>2017-03-10T22:25:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-payment-alerts/25002</loc>
        <lastmod>2017-03-17T02:32:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-opens-free-co-working-space-in-christchurch/25765</loc>
        <lastmod>2017-03-21T00:01:22Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-advantage-dining/582</loc>
        <lastmod>2017-03-21T04:32:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/responsible-investment-policy-prompts-changes-in-bnz-kiwisaver-scheme/25888</loc>
        <lastmod>2017-03-22T21:43:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/security-warning/26067</loc>
        <lastmod>2017-03-25T20:16:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/important-security-information-for-internet-banking-for-business-users/26294</loc>
        <lastmod>2017-03-29T04:18:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/iats-gateway/26172</loc>
        <lastmod>2017-03-30T09:22:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/financial-flexibility-for-flood-affected-new-zealanders/26971</loc>
        <lastmod>2017-03-31T11:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/this-months-charity-epilepsy-nz/26629</loc>
        <lastmod>2017-04-04T02:14:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/message-in-android-apps/26655</loc>
        <lastmod>2017-04-05T01:36:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/international-payment-currency/25775</loc>
        <lastmod>2017-04-06T02:54:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/blues-in-for-a-game-changer/26767</loc>
        <lastmod>2017-04-06T21:14:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bay-of-plenty-floods-donate-to-red-cross/26954</loc>
        <lastmod>2017-04-09T23:56:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/lifestyle-benefits-smartphones/23780</loc>
        <lastmod>2017-04-10T07:43:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-fraud-when-overseas/26651</loc>
        <lastmod>2017-04-10T08:57:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/payclip-system-tampered-alert/27018</loc>
        <lastmod>2017-04-11T03:11:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/android-pay-phase-2-is-here/27080</loc>
        <lastmod>2017-04-12T21:15:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-the-markets-have-affected-your-bnz-kiwisaver-scheme-funds-last-quarter/236</loc>
        <lastmod>2017-04-13T04:31:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/the-scam-scene-is-set-please-commit-your-lines-to-memory/27419</loc>
        <lastmod>2017-04-20T04:21:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/most-user-friendly-way-to-receive-international-payments/27472</loc>
        <lastmod>2017-04-20T04:56:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/branch-details-for-direct-debit/27473</loc>
        <lastmod>2017-04-25T19:38:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/keeping-up-with-change-at-techweek-17/27915</loc>
        <lastmod>2017-04-26T07:15:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/pay-supplier-bill-payment-or-direct-crebit/27975</loc>
        <lastmod>2017-04-28T04:21:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-ios-android-app-suggestion/7169</loc>
        <lastmod>2017-04-28T13:41:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paywave-sticker/27442</loc>
        <lastmod>2017-05-07T23:50:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/protect-your-privacy-this-week/28040</loc>
        <lastmod>2017-05-09T22:12:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/rapid-save-account-tips/28042</loc>
        <lastmod>2017-05-09T23:29:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paywave-processing-times/18465</loc>
        <lastmod>2017-05-10T08:34:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/save-the-change-equivalent/28039</loc>
        <lastmod>2017-05-10T08:44:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/balance-transfer-credit-card/28045</loc>
        <lastmod>2017-05-10T22:54:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-makes-it-way-too-difficult-to-get-an-extension-credit-card/27970</loc>
        <lastmod>2017-05-12T08:24:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/chargeback-on-card-present-creditcard-transaction/28065</loc>
        <lastmod>2017-05-19T02:59:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bankruptcy/15790</loc>
        <lastmod>2017-05-21T20:27:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cant-see-add-android-pay-option/28088</loc>
        <lastmod>2017-05-23T23:17:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/the-2017-british-and-irish-lions-tour-is-upon-us/28090</loc>
        <lastmod>2017-05-26T05:27:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/scam-caller-mistakenly-calls-nz-police/28103</loc>
        <lastmod>2017-05-30T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mortgage-payments-and-online-banking/28089</loc>
        <lastmod>2017-06-01T04:28:03Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/after-hours-atm-deposit/28079</loc>
        <lastmod>2017-06-02T02:59:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/additional-home-loan-info-on-mobile-app/28110</loc>
        <lastmod>2017-06-06T08:36:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/featured-charity-age-concern/28124</loc>
        <lastmod>2017-06-06T22:20:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/a-new-angle-on-an-old-scam/28085</loc>
        <lastmod>2017-06-07T07:58:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/separate-your-in-s-from-your-out-s/28118</loc>
        <lastmod>2017-06-08T03:22:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/adjustable-paywave-threshold/24036</loc>
        <lastmod>2017-06-08T12:50:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/you-can-count-on-internet-banking/28142</loc>
        <lastmod>2017-06-12T19:58:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/look-out-for-financial-elder-abuse/28156</loc>
        <lastmod>2017-06-14T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/text-alerts/28138</loc>
        <lastmod>2017-06-20T22:28:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/activation-of-bnz-visa-card-in-australia/28163</loc>
        <lastmod>2017-06-21T03:36:49Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/savings-goals-in-3-ways/28165</loc>
        <lastmod>2017-07-04T03:53:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/windows-phone/28062</loc>
        <lastmod>2017-07-12T21:42:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/aps-in-business-banking/28351</loc>
        <lastmod>2017-07-14T23:03:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/builders-beware-you-could-be-in-for-a-scam/24697</loc>
        <lastmod>2017-07-15T08:21:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/a-new-look-for-verified-by-visa/232</loc>
        <lastmod>2017-07-17T01:07:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-do-i-edit-automatic-payments-in-the-mobile-app/27457</loc>
        <lastmod>2017-07-17T21:45:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/android-pay-is-here/17955</loc>
        <lastmod>2017-07-18T21:14:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/editing-automatic-payments-with-the-bnz-mobile-app/28366</loc>
        <lastmod>2017-07-18T21:27:49Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/android-pay-and-credit-cards/28365</loc>
        <lastmod>2017-07-19T01:00:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/hit-a-wall-in-internet-banking/28423</loc>
        <lastmod>2017-07-25T01:43:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-advantage-classic-visa-card/28422</loc>
        <lastmod>2017-07-25T02:13:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/gone-fishin/28154</loc>
        <lastmod>2017-07-28T05:04:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/this-months-charity-multiple-sclerosis-nz-how-can-you-help/28515</loc>
        <lastmod>2017-07-31T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/account-view/28439</loc>
        <lastmod>2017-07-31T12:30:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-can-i-go-over-my-ccard-limit-by-xk/28441</loc>
        <lastmod>2017-08-03T08:58:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/closed-accounts/28450</loc>
        <lastmod>2017-08-03T21:35:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/depositing-bitcoin-into-a-nz-bank-account/28476</loc>
        <lastmod>2017-08-14T19:10:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/a-new-topic-bitcoin/209</loc>
        <lastmod>2017-08-14T22:28:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/term-deposit/28461</loc>
        <lastmod>2017-08-17T21:26:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paywave-default-account/18046</loc>
        <lastmod>2017-08-19T07:37:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/warnings-to-deposit-into-savings-accounts/28466</loc>
        <lastmod>2017-08-19T07:40:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/closing-down-a-direct-debit-payment/28488</loc>
        <lastmod>2017-08-21T00:45:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/exchange-rates/28496</loc>
        <lastmod>2017-08-25T01:55:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-delivery-time/28509</loc>
        <lastmod>2017-08-27T13:20:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/what-is-mycash/28512</loc>
        <lastmod>2017-08-28T04:03:35Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/loading-pin-on-replacement-new-cards/4681</loc>
        <lastmod>2017-08-28T09:49:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/moving-house-or-want-to-update-your-email-address/28514</loc>
        <lastmod>2017-08-29T01:33:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/amend-references-during-bill-payment-process/8781</loc>
        <lastmod>2017-08-30T22:57:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/flybuys-removed-from-homeadvantage-credit-card/28082</loc>
        <lastmod>2017-08-31T04:08:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/open-account-offshore/28519</loc>
        <lastmod>2017-08-31T05:01:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/money-tranfer-gone-wrong/16671</loc>
        <lastmod>2017-09-03T23:59:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/money-transfer-not-showing-in-account/28526</loc>
        <lastmod>2017-09-04T22:15:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-advantage-platinum-visa-credit-limit-increase/28524</loc>
        <lastmod>2017-09-05T22:34:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-interest-calculations/28506</loc>
        <lastmod>2017-09-12T22:46:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/spotting-a-phishing-scam/103</loc>
        <lastmod>2017-09-13T02:47:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/rapid-saver/28613</loc>
        <lastmod>2017-09-16T03:32:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/making-a-payment-for-tax/28584</loc>
        <lastmod>2017-09-18T12:08:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/accessibility-standards/28610</loc>
        <lastmod>2017-09-18T21:43:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/gem-visa-balance-transfer/28617</loc>
        <lastmod>2017-09-19T08:29:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/sending-money-to-nz-from-usa-routing-number/28626</loc>
        <lastmod>2017-09-21T22:56:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/routing-number-usa/28494</loc>
        <lastmod>2017-09-21T22:59:22Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cant-you-get-the-most-basic-functions-working/28619</loc>
        <lastmod>2017-09-27T03:45:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/trademe-phishing-scam-have-you-seen-it/28649</loc>
        <lastmod>2017-10-03T00:45:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/falling-for-online-scammers/28656</loc>
        <lastmod>2017-10-06T02:16:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/poll-do-you-want-bnz-to-support-apple-pay/14264</loc>
        <lastmod>2017-10-08T21:49:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-apple-pay-yes-or-no/14259</loc>
        <lastmod>2017-10-08T21:50:03Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/apple-pay-come-on-bnz/28607</loc>
        <lastmod>2017-10-09T16:01:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-pay-off/28666</loc>
        <lastmod>2017-10-11T20:24:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/changing-a-password-clarity/28668</loc>
        <lastmod>2017-10-12T21:20:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/apple-pay-at-bnz/28659</loc>
        <lastmod>2017-10-15T01:38:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/westpac-to-bnz-transfer/28675</loc>
        <lastmod>2017-10-15T12:30:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/close-down-account/28685</loc>
        <lastmod>2017-10-18T05:14:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/refix-mortgage-rate-offers/28683</loc>
        <lastmod>2017-10-18T21:10:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/netguard/28692</loc>
        <lastmod>2017-10-20T05:30:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/fraudulent-visa-transactions/28697</loc>
        <lastmod>2017-10-20T23:03:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-dining/28690</loc>
        <lastmod>2017-10-21T23:09:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/changing-account-types-online-possible/28256</loc>
        <lastmod>2017-10-25T15:10:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-netguard-using-the-mobile-app-on-multiple-devices/28720</loc>
        <lastmod>2017-10-29T20:37:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-do-i-set-up-phone-banking-online/28717</loc>
        <lastmod>2017-10-29T20:40:42Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/currency-change/28681</loc>
        <lastmod>2017-10-29T22:37:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/conversion-rate-for-euros/28721</loc>
        <lastmod>2017-10-30T00:28:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/downloading-transactions-of-closed-accounts/28715</loc>
        <lastmod>2017-10-30T02:54:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/nfc-token-intergration-for-payment/28707</loc>
        <lastmod>2017-10-30T23:46:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/payment-in-wrong-account/28727</loc>
        <lastmod>2017-10-31T21:37:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-to-view-statements-that-are-outside-of-suggested-time-frame/28711</loc>
        <lastmod>2017-11-01T21:49:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/apple-pay-signature/28731</loc>
        <lastmod>2017-11-01T23:36:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/keep-this-in-mind-if-youre-travelling-overseas/28744</loc>
        <lastmod>2017-11-05T19:32:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/just-when-you-think-you-ve-heard-it-all/28753</loc>
        <lastmod>2017-11-06T21:47:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/rapid-saver-withdrawals/28747</loc>
        <lastmod>2017-11-07T02:52:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-twist-on-current-scam/28760</loc>
        <lastmod>2017-11-11T20:24:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/it-s-international-fraud-awareness-week/28767</loc>
        <lastmod>2017-11-12T19:29:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/idea-budget-planner-in-mobile-app/347</loc>
        <lastmod>2017-11-14T07:11:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/what-are-the-odds-of-someone-guessing-your-pin/28770</loc>
        <lastmod>2017-11-14T19:44:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/statements/28776</loc>
        <lastmod>2017-11-17T00:42:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/those-nasty-phishing-emails/28778</loc>
        <lastmod>2017-11-17T03:46:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/greetings-from-the-new-community-manager/28728</loc>
        <lastmod>2017-11-19T19:28:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mismatch-daily-statements-v-monthly-statements/28636</loc>
        <lastmod>2017-11-21T21:07:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/apple-pay-have-you-joined-the-future/28768</loc>
        <lastmod>2017-11-23T02:24:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/totalmoney/28785</loc>
        <lastmod>2017-11-23T03:05:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-payments-for-floating-interest-loan/28673</loc>
        <lastmod>2017-11-26T21:12:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/term-deposit-1/28813</loc>
        <lastmod>2017-11-30T00:31:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/why-do-i-have-to-go-into-a-branch-to-set-a-pin-on-a-debit-card/28831</loc>
        <lastmod>2017-12-05T00:54:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/maths-101/28829</loc>
        <lastmod>2017-12-05T17:31:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cancel-transaction/28848</loc>
        <lastmod>2017-12-11T03:17:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/iphone-x-optimised-app/28846</loc>
        <lastmod>2017-12-11T19:43:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-netguard/28840</loc>
        <lastmod>2017-12-11T19:48:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-app-kiwisaver-account/28834</loc>
        <lastmod>2017-12-12T00:30:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/first-job-being-paid/28856</loc>
        <lastmod>2017-12-13T00:07:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/stay-ahead-of-the-fraudsters-this-festive-season/28857</loc>
        <lastmod>2017-12-13T17:49:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-money-tracker/25772</loc>
        <lastmod>2017-12-15T02:21:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/ridiculous-business-credit-card-statements-cant-be-viewed-in-internet-banking/299</loc>
        <lastmod>2017-12-15T03:59:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/security-history-query/28879</loc>
        <lastmod>2017-12-16T21:51:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/small-loans-big-differences-community-finance-loans-go-interest-free/453</loc>
        <lastmod>2017-12-18T14:25:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/everyday-account-with-no-monthly-fee/28923</loc>
        <lastmod>2017-12-19T22:13:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/visa-platinum-flybuys-incentive/28759</loc>
        <lastmod>2017-12-21T07:31:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/christmas-and-new-years-hours/29051</loc>
        <lastmod>2017-12-21T22:46:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/iphone-app-new-features/28816</loc>
        <lastmod>2017-12-22T02:34:41Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/export-to-a-csv-file-update-time-lag/29068</loc>
        <lastmod>2018-01-03T20:03:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/reconciling-credit-cards-matching-transactions-with-payments/29076</loc>
        <lastmod>2018-01-10T21:51:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/disputed-transaction-resolution-delays/28485</loc>
        <lastmod>2018-01-13T20:33:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-wellington-partners-centre-now-open-for-business/29122</loc>
        <lastmod>2018-01-14T22:52:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/apple-pay-double-rewards/29053</loc>
        <lastmod>2018-01-17T04:14:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/telephone-banking-debit-card-problem/29138</loc>
        <lastmod>2018-01-18T02:51:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/lost-netguard/29142</loc>
        <lastmod>2018-01-22T04:12:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/android-pay-virtual-card-number/29135</loc>
        <lastmod>2018-01-23T21:36:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/extended-transaction-history-for-online-banking/29124</loc>
        <lastmod>2018-01-23T22:16:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/western-union-scam-victims-may-qualify-for-reimbursement/29156</loc>
        <lastmod>2018-01-25T19:44:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/iphone-x/28738</loc>
        <lastmod>2018-01-31T00:11:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/firefox-and-bnz-log-in/29162</loc>
        <lastmod>2018-01-31T23:41:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/scammers-target-indian-community-again/29173</loc>
        <lastmod>2018-02-01T01:56:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/remittance-email/28676</loc>
        <lastmod>2018-02-05T04:24:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/feedback-and-improvements/29182</loc>
        <lastmod>2018-02-06T10:53:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/passwords/29164</loc>
        <lastmod>2018-02-06T20:19:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/an-investment-opportunity-sounds-too-good/29185</loc>
        <lastmod>2018-02-06T21:47:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/website-scam/29183</loc>
        <lastmod>2018-02-07T00:10:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/retail-online-transactions-overseas/29179</loc>
        <lastmod>2018-02-07T00:11:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/suspending-credit-card/29200</loc>
        <lastmod>2018-02-11T20:34:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/looking-for-love-on-valentine-s-day/29202</loc>
        <lastmod>2018-02-11T21:31:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/feature-request-next-card-statement-date-in-app/29192</loc>
        <lastmod>2018-02-12T21:20:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/an-important-message-from-spark/29212</loc>
        <lastmod>2018-02-13T02:03:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/currency-select/29194</loc>
        <lastmod>2018-02-13T21:53:42Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/documentation-of-exported-transactions/29188</loc>
        <lastmod>2018-02-14T02:57:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/want-to-swap-the-accounts-that-you-can-access-via-eftpos-or-atm-machine-on-your-card/28451</loc>
        <lastmod>2018-02-14T21:25:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/scammers-crime/29176</loc>
        <lastmod>2018-02-14T21:31:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/integration-with-salt-edge/29217</loc>
        <lastmod>2018-02-14T22:29:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cheque-book-with-everyday-account/29222</loc>
        <lastmod>2018-02-16T03:01:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-hangs-in-chrome/29208</loc>
        <lastmod>2018-02-18T08:36:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/password-strength/325</loc>
        <lastmod>2018-02-19T07:07:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/longer-passwords-are-here/29215</loc>
        <lastmod>2018-02-20T20:47:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/google-pay/29121</loc>
        <lastmod>2018-02-21T03:46:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/netsafe-is-awesome/29253</loc>
        <lastmod>2018-02-22T03:11:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bank-to-bank-transfer-times/311</loc>
        <lastmod>2018-02-22T08:39:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/information-required-by-studylink/29256</loc>
        <lastmod>2018-02-23T18:03:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/youmoney-accounts-change-the-suffix/29282</loc>
        <lastmod>2018-03-01T05:43:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/apple-pay-is-here/28701</loc>
        <lastmod>2018-03-02T00:08:35Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/technical-fault-or-broken-culture/29309</loc>
        <lastmod>2018-03-02T00:47:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/virtual-prepaid-visa-mastercard/5123</loc>
        <lastmod>2018-03-06T23:48:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/why-can-t-i-get-through-to-anyone-at-bnz/29333</loc>
        <lastmod>2018-03-07T11:05:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/txt-message-alerts/28359</loc>
        <lastmod>2018-03-07T19:24:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/netsafe-s-re-scam-chat-bot-takes-home-anti-fraud-award/29336</loc>
        <lastmod>2018-03-07T23:04:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/visa-debit-eftpos-transaction-limits/204</loc>
        <lastmod>2018-03-11T00:55:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/editing-future-dated-bill-payments-or-funds-transfers-in-mobile-banking/29343</loc>
        <lastmod>2018-03-12T18:25:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/nfc-payments-on-samsung-gear-s3-smartwatch/29342</loc>
        <lastmod>2018-03-13T03:15:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cannot-enable-netguard-on-android-n/346</loc>
        <lastmod>2018-03-13T03:29:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/visa-platinum-flybuys-incentive-but-no-sign-of-the-points/29325</loc>
        <lastmod>2018-03-15T00:39:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-card-designs/29347</loc>
        <lastmod>2018-03-17T20:48:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/in-branch-community-noticeboards/29361</loc>
        <lastmod>2018-03-20T02:33:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/opening-a-bnz-account-for-visitors/29356</loc>
        <lastmod>2018-03-20T22:16:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/ordering-new-netguard-card-from-overseas/29366</loc>
        <lastmod>2018-03-21T22:19:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paying-a-bnz-credit-card-from-another-bank-account-details/231</loc>
        <lastmod>2018-03-21T23:26:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/opening-a-joint-account/29369</loc>
        <lastmod>2018-03-21T23:37:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/international-fraud-awareness-week-resources/28777</loc>
        <lastmod>2018-03-27T19:52:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/visa-debit-pending-transactions/238</loc>
        <lastmod>2018-03-30T08:59:22Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/banks-blacklist-mobile-shopping-trucks/29534</loc>
        <lastmod>2018-03-31T11:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/transfer-from/29418</loc>
        <lastmod>2018-04-05T03:00:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/payclip-disable-credit-cards/29353</loc>
        <lastmod>2018-04-07T20:10:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/card-not-working-in-aus/29431</loc>
        <lastmod>2018-04-09T10:16:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/doing-business-in-china-ask-us-anything/69</loc>
        <lastmod>2018-04-10T23:02:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/retirees-credit-cards/29467</loc>
        <lastmod>2018-04-15T22:54:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/term-deposits/29465</loc>
        <lastmod>2018-04-16T00:38:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/insurance-correspondence/29469</loc>
        <lastmod>2018-04-16T02:17:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/overdraft/29483</loc>
        <lastmod>2018-04-17T23:12:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/western-union-scam-victim-reimbursement-closes-soon/29488</loc>
        <lastmod>2018-04-19T22:09:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/celebrity-status-stolen-in-cryptocurrency-scams/29487</loc>
        <lastmod>2018-04-19T22:13:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/multiple-business-accounts-on-bnz-app/29545</loc>
        <lastmod>2018-04-29T22:11:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/google-pixel-2-giveaway-closed/29493</loc>
        <lastmod>2018-04-30T03:50:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/long-call-hold-times-even-for-urgent-enquiries/22755</loc>
        <lastmod>2018-04-30T09:14:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-long-does-it-take-for-money-to-show-up-in-account/29346</loc>
        <lastmod>2018-05-01T10:04:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/online-purchase-declined/29577</loc>
        <lastmod>2018-05-02T09:52:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/about-virtual-visa-master-card/29581</loc>
        <lastmod>2018-05-03T23:06:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/automatic-payments-on-joint-account/29569</loc>
        <lastmod>2018-05-04T06:28:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/daily-internetvanking-display/29573</loc>
        <lastmod>2018-05-04T22:36:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/wrong-money-transfer/29584</loc>
        <lastmod>2018-05-05T06:33:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/westpac-to-bnz-transfure/29393</loc>
        <lastmod>2018-05-05T13:17:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/ali-express/29592</loc>
        <lastmod>2018-05-07T22:38:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/best-way-to-get-a-card-delivered/29601</loc>
        <lastmod>2018-05-12T20:41:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/it-s-tax-time-you-know-what-that-means/29593</loc>
        <lastmod>2018-05-14T00:40:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/deaf-man-in-his-90s-trespassed-from-bank-i-have-lost-my-personal-dignity/29610</loc>
        <lastmod>2018-05-15T02:35:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/wangiri-scam-dont-call-back/29611</loc>
        <lastmod>2018-05-15T03:02:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwi-saver/29571</loc>
        <lastmod>2018-05-15T08:51:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-advantage-travel-insurance/577</loc>
        <lastmod>2018-05-15T09:00:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/two-withdrawals-for-each-transaction/29622</loc>
        <lastmod>2018-05-16T00:20:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/my-account/29620</loc>
        <lastmod>2018-05-16T00:20:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/signatory-access/29617</loc>
        <lastmod>2018-05-16T21:47:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/after-hours-contact-largetransactions/29608</loc>
        <lastmod>2018-05-17T22:03:41Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/stop-and-check-is-this-for-real/29627</loc>
        <lastmod>2018-05-20T20:40:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/escrow-account-for-broker-company/29629</loc>
        <lastmod>2018-05-21T04:31:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/urgent-international-contact/29633</loc>
        <lastmod>2018-05-23T04:21:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-shares-bonds/29631</loc>
        <lastmod>2018-05-24T03:27:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwisaver-hardship/29638</loc>
        <lastmod>2018-05-24T03:34:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/custom-visa-debit-card/29165</loc>
        <lastmod>2018-05-25T23:47:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/scamsweek18-all-wrapped-up/29643</loc>
        <lastmod>2018-05-27T20:38:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-staff-id/28098</loc>
        <lastmod>2018-05-29T01:11:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/view-statements-in-the-bnz-banking-app/29494</loc>
        <lastmod>2018-05-29T01:23:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/investment-scams/29652</loc>
        <lastmod>2018-05-30T01:06:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-bnz-android-app/29648</loc>
        <lastmod>2018-05-30T02:17:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/turn-paywave-on-off-and-block-unblock-cards-on-bnz-banking-app/29653</loc>
        <lastmod>2018-05-30T04:22:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/no-longer-to-see-p-icon-on-my-mobile-bank-app-login-page/29507</loc>
        <lastmod>2018-05-30T09:33:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-choose-dates-selection-access/29655</loc>
        <lastmod>2018-06-04T23:18:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/receive-funds-from-asb/29689</loc>
        <lastmod>2018-06-10T05:13:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/wrong-account/29687</loc>
        <lastmod>2018-06-10T19:37:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/pending-transactions/29645</loc>
        <lastmod>2018-06-10T22:55:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/automatic-transfer/29066</loc>
        <lastmod>2018-06-11T21:20:03Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/closed-bank-account/29697</loc>
        <lastmod>2018-06-12T01:11:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/not-exactly-a-complaint-entirely/29699</loc>
        <lastmod>2018-06-12T01:44:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/need-to-stop-payment-going-to-closed-account/29708</loc>
        <lastmod>2018-06-13T21:00:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/reminder-update-your-tax-residency-status/29683</loc>
        <lastmod>2018-06-13T22:28:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/today-marks-world-elder-abuse-awareness-day/29712</loc>
        <lastmod>2018-06-14T19:49:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/change-machine-plans/29692</loc>
        <lastmod>2018-06-16T02:59:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/lvr-and-exemptions/29720</loc>
        <lastmod>2018-06-19T03:59:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/confirm-payment-problem/29716</loc>
        <lastmod>2018-06-19T04:33:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/overdraft-from-when-i-was-a-clueless-student-10-years-ago/29700</loc>
        <lastmod>2018-06-21T02:41:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/getting-on-the-property-ladder-with-kiwisaver/449</loc>
        <lastmod>2018-06-21T09:12:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/gemvisa/29742</loc>
        <lastmod>2018-06-25T02:43:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/transferred-wrong/29745</loc>
        <lastmod>2018-06-26T00:07:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-terms-and-conditions/5350</loc>
        <lastmod>2018-07-01T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/xenophobic-bnz/28910</loc>
        <lastmod>2018-07-02T11:24:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/repeat-payment-setup/29769</loc>
        <lastmod>2018-07-02T21:58:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/expired-netguard-and-no-access-to-account/29763</loc>
        <lastmod>2018-07-02T22:16:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/welcome/29768</loc>
        <lastmod>2018-07-04T08:21:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/utterly-awful-service/29753</loc>
        <lastmod>2018-07-04T21:27:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/strange-amounts-on-my-bnz-statement-matter-not-rectified-by-bnz/29781</loc>
        <lastmod>2018-07-05T01:42:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/no-one-answering-their-phones/29783</loc>
        <lastmod>2018-07-05T03:22:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/phishing-scams-targeting-the-banking-industry/29791</loc>
        <lastmod>2018-07-11T02:12:42Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/open-up-new-account-on-realme-after-closing-an-account/29790</loc>
        <lastmod>2018-07-11T04:27:49Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/banks-refusing-to-give-redacted-workers-accounts-its-ridiculous/29814</loc>
        <lastmod>2018-07-23T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/thousands-of-bank-accounts-closed-due-to-foreign-information-sharing-law/29820</loc>
        <lastmod>2018-07-23T12:00:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/eftpos-or-quickpay/29805</loc>
        <lastmod>2018-07-23T12:22:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/push-notifications/29821</loc>
        <lastmod>2018-07-24T22:34:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-long-before-debit-card-arrives/29824</loc>
        <lastmod>2018-07-25T01:32:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/apple-nz-gpc/29798</loc>
        <lastmod>2018-07-26T21:59:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/access-number/29840</loc>
        <lastmod>2018-07-31T22:11:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/warning-against-bnz-credit-card-cigna-travel-insurance/29737</loc>
        <lastmod>2018-08-02T04:55:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-banking/29861</loc>
        <lastmod>2018-08-07T23:49:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-limit-increase/29864</loc>
        <lastmod>2018-08-09T00:45:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-to-pay-advanced-personal-loan/29877</loc>
        <lastmod>2018-08-09T22:15:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/upcoming-payments-bug-in-internet-banking/29859</loc>
        <lastmod>2018-08-09T22:28:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/fast-payment-using-barcode/29873</loc>
        <lastmod>2018-08-12T08:33:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/redrawing-on-floating-home-loan-any-experiences/29880</loc>
        <lastmod>2018-08-13T21:48:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/irresponsible-bnz-bankers-at-call-centres/29886</loc>
        <lastmod>2018-08-13T22:07:22Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/netguard-card/29889</loc>
        <lastmod>2018-08-14T03:33:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/contact-someone-anyone/29921</loc>
        <lastmod>2018-08-31T00:04:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cancel-a-pending-payment-done-with-a-credit-card/29932</loc>
        <lastmod>2018-09-04T11:01:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/money-to-wrong-suffix/29930</loc>
        <lastmod>2018-09-05T00:04:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/print-or-save/29937</loc>
        <lastmod>2018-09-05T00:09:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/rapid-saver-bonus-interest-rate-not-paid/29950</loc>
        <lastmod>2018-09-05T21:14:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/online-eftpos/29935</loc>
        <lastmod>2018-09-06T07:50:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/incorrect-account-number/29905</loc>
        <lastmod>2018-09-06T07:54:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paypal-credit-card-transaction/29961</loc>
        <lastmod>2018-09-07T04:11:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-low-rate-credit-card/29365</loc>
        <lastmod>2018-09-07T04:40:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cvc-number-on-back-of-visa-card/29960</loc>
        <lastmod>2018-09-07T04:43:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/csv-exports-with-dates-jumbled/29941</loc>
        <lastmod>2018-09-07T07:27:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-credit-card-android-pay/29964</loc>
        <lastmod>2018-09-10T03:41:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/problems-exporting-transactions/29967</loc>
        <lastmod>2018-09-10T03:56:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/account-showing-different-balances/29976</loc>
        <lastmod>2018-09-12T23:58:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/direct-debit-was-declined/29987</loc>
        <lastmod>2018-09-14T03:30:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/scam-alert/29991</loc>
        <lastmod>2018-09-17T00:35:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/display-picture/29896</loc>
        <lastmod>2018-09-17T23:55:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/pin-for-new-credit-card/29993</loc>
        <lastmod>2018-09-19T02:13:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/approved-loan/30005</loc>
        <lastmod>2018-09-20T22:17:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cheque-deposit-slightly-different-name/30015</loc>
        <lastmod>2018-09-25T04:06:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-report-update/5134</loc>
        <lastmod>2018-09-25T06:04:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/google-pay-debits-account-declines-purchases/30014</loc>
        <lastmod>2018-09-26T04:41:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/atm-changed/30008</loc>
        <lastmod>2018-09-27T22:08:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/priceguard-bnz-platinum/30018</loc>
        <lastmod>2018-09-27T22:18:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-cash-reward/30026</loc>
        <lastmod>2018-10-05T10:58:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/lost-50k/28808</loc>
        <lastmod>2018-10-05T11:06:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/direct-debit-forms-still-available/30031</loc>
        <lastmod>2018-10-05T20:05:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/application-of-credit-card-repayments/30043</loc>
        <lastmod>2018-10-10T21:17:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-visa-platinum/30044</loc>
        <lastmod>2018-10-11T21:44:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/personal-loan-interest-rate/30050</loc>
        <lastmod>2018-10-16T20:23:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/ib-feature-request-bank-account-details-certificate/30058</loc>
        <lastmod>2018-10-18T20:42:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/term-deposit-and-aml-ompliance/30059</loc>
        <lastmod>2018-10-18T21:51:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/app-authenticator-issue/30061</loc>
        <lastmod>2018-10-19T21:38:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/fitbit-pay/29064</loc>
        <lastmod>2018-10-22T23:58:41Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-can-i-get-virtual-visa-or-master-card-free-for-verify-paypal/29341</loc>
        <lastmod>2018-10-23T20:58:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-convert-it-app/30101</loc>
        <lastmod>2018-11-04T21:56:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/hold-time-at-0800-ask-bnz/28355</loc>
        <lastmod>2018-11-05T00:25:22Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-low-rate-mastercard/30100</loc>
        <lastmod>2018-11-06T06:22:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/online-banking-lock/30081</loc>
        <lastmod>2018-11-07T20:02:35Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/function-error-with-mobile-app/28837</loc>
        <lastmod>2018-11-07T20:04:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/stop-and-think/30116</loc>
        <lastmod>2018-11-13T08:33:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-bnz-protects-your-card-from-fraud/29945</loc>
        <lastmod>2018-11-13T08:39:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/is-this-for-real/30120</loc>
        <lastmod>2018-11-13T22:03:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/making-extra-payments-to-my-variable-home-loan-cant-do-this-online-or-via-app/30118</loc>
        <lastmod>2018-11-14T03:29:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/red-flag-alert/30125</loc>
        <lastmod>2018-11-15T21:20:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/call-centre-hours/30133</loc>
        <lastmod>2018-11-18T20:35:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/show-account-number-when-paying-from-ib/28756</loc>
        <lastmod>2018-11-18T20:41:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/direct-credits/30129</loc>
        <lastmod>2018-11-18T21:22:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/open-a-term-deposit-account/30127</loc>
        <lastmod>2018-11-20T00:21:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/closing-of-nz-call-centre/30134</loc>
        <lastmod>2018-11-22T20:32:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/fradulent-transaction/28694</loc>
        <lastmod>2018-11-26T21:50:41Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/report-issues-or-give-feedback-on-new-site/1911</loc>
        <lastmod>2018-11-27T00:15:35Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/foreign-cheque/30143</loc>
        <lastmod>2018-11-27T01:05:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/email-notifications/30077</loc>
        <lastmod>2018-11-27T19:59:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/remit-monies-out/30158</loc>
        <lastmod>2018-11-29T03:49:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bank-statements-not-up-to-date/30173</loc>
        <lastmod>2018-12-06T00:37:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/international-payment-to-bnz/30168</loc>
        <lastmod>2018-12-06T04:56:22Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/no-or-slow-responses-from-small-business-team/66</loc>
        <lastmod>2018-12-09T21:16:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mistake-transaction/30208</loc>
        <lastmod>2019-01-06T20:08:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/ifttt-for-online-banking/11928</loc>
        <lastmod>2019-01-15T21:46:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/branch-opening-hours-not-correct-on-bnz-website/30227</loc>
        <lastmod>2019-01-15T21:47:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/happy-new-year/30229</loc>
        <lastmod>2019-01-15T22:04:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/disallowed-transactions/30188</loc>
        <lastmod>2019-01-15T23:33:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/your-sign-off-attempt-wasnt-successful-at-all-sites/30234</loc>
        <lastmod>2019-01-17T01:44:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/joint-credit-card-transaction/30231</loc>
        <lastmod>2019-01-20T21:56:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-card-balance-unavailable/30237</loc>
        <lastmod>2019-01-20T23:23:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/westpact-to-bnz-transfer/30241</loc>
        <lastmod>2019-01-21T01:49:03Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/voda-fone-support-comment-query-to-you/30253</loc>
        <lastmod>2019-01-22T07:00:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bank-card/30257</loc>
        <lastmod>2019-01-23T21:19:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/email-about-tax/30259</loc>
        <lastmod>2019-01-23T23:32:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/existing-account-how-to-set-up-internet-banking/30267</loc>
        <lastmod>2019-01-30T02:50:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/replacement-card-mailed-or-not-mailed/30276</loc>
        <lastmod>2019-01-31T01:43:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/treating-small-business-like-garbage/30171</loc>
        <lastmod>2019-02-02T02:01:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/term-investment/30278</loc>
        <lastmod>2019-02-04T02:26:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/look-out-for-this-ir-scam/30283</loc>
        <lastmod>2019-02-05T02:11:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/don-t-be-catfished-this-valentine-s-day/30288</loc>
        <lastmod>2019-02-06T22:24:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-outage-today-12th-feb/30303</loc>
        <lastmod>2019-02-11T21:20:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/my-account-fee-is-115-a-month/30282</loc>
        <lastmod>2019-02-11T22:03:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mastercard/30289</loc>
        <lastmod>2019-02-11T22:27:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/online-statement/30315</loc>
        <lastmod>2019-02-14T00:59:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/fast-cash-transactions/30318</loc>
        <lastmod>2019-02-14T03:42:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/stay-on-the-ball-if-you-get-an-unexpected-call/30332</loc>
        <lastmod>2019-02-24T22:10:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/here-s-a-super-tip-from-scamwatch-nz-and-us/30337</loc>
        <lastmod>2019-02-26T00:58:35Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/non-citizen-account/30248</loc>
        <lastmod>2019-02-26T04:34:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/tracking-down-very-old-international-money-transfer/30299</loc>
        <lastmod>2019-02-28T20:09:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwisaver-withdrawal-permanent-emigration-processing-time/30352</loc>
        <lastmod>2019-03-01T00:03:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/password-reset/30349</loc>
        <lastmod>2019-03-01T00:41:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/apple-nz-cgs-charges/30321</loc>
        <lastmod>2019-03-01T00:47:42Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bank-account-for-research-exchange/30310</loc>
        <lastmod>2019-03-01T16:24:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/balance-transfer/30342</loc>
        <lastmod>2019-03-08T01:05:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/blocked-account/30375</loc>
        <lastmod>2019-03-10T21:05:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/charge-for-payment-on-business-mobile-app/30369</loc>
        <lastmod>2019-03-13T00:43:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/multiple-businesses-on-business-app/30384</loc>
        <lastmod>2019-03-13T02:35:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cancel-bank-transfer/30390</loc>
        <lastmod>2019-03-14T19:10:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/christchurch-tragedy-related-scams-and-attacks/30398</loc>
        <lastmod>2019-03-18T23:22:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/account-sequence-on-mobile-app/30395</loc>
        <lastmod>2019-03-19T20:25:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/community-email-being-flagged-as-spam/30362</loc>
        <lastmod>2019-03-20T23:30:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/total-money-principal-paid-off/30394</loc>
        <lastmod>2019-03-26T07:18:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/iphone-mobile-app-unavailable-issue-6/30292</loc>
        <lastmod>2019-03-29T00:11:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/accessing-internet-banking-from-new-ip-range/30427</loc>
        <lastmod>2019-04-02T04:38:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/planning-your-social-calendar-make-sure-you-buy-your-tickets-from-reputable-sellers/30430</loc>
        <lastmod>2019-04-02T20:33:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/copy-cat-callers/30432</loc>
        <lastmod>2019-04-03T01:33:49Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/totalmoney-calculator/30413</loc>
        <lastmod>2019-04-04T11:35:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/netguard-postage/30453</loc>
        <lastmod>2019-04-04T22:53:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/forgot-access-number/29725</loc>
        <lastmod>2019-04-08T21:29:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/old-bank-notes/29647</loc>
        <lastmod>2019-04-09T08:48:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/don-t-put-all-your-eggs-in-one-basket-this-easter/30469</loc>
        <lastmod>2019-04-11T03:55:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-business-term-loan/30333</loc>
        <lastmod>2019-04-15T20:00:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/skimming-on-atm-s-how-cards-get-compromised/30474</loc>
        <lastmod>2019-04-15T22:11:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-customers-targeted-in-phishing-emails/30478</loc>
        <lastmod>2019-04-17T03:19:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/aesthetics-of-the-flexi-debit-visa-card/29726</loc>
        <lastmod>2019-04-23T11:20:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/police-warn-of-sophisticated-phone-scam/30373</loc>
        <lastmod>2019-04-23T11:27:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/an-important-reminder-about-card-skimming/30488</loc>
        <lastmod>2019-04-23T22:47:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/net-working-events/30497</loc>
        <lastmod>2019-04-29T03:47:35Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-store-aesthetic/30458</loc>
        <lastmod>2019-04-30T02:35:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/account-locked/30495</loc>
        <lastmod>2019-04-30T04:50:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/help-me-to-close-my-account-please/30481</loc>
        <lastmod>2019-05-03T01:39:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/changing-your-name/30502</loc>
        <lastmod>2019-05-03T03:18:03Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/account-statements/30504</loc>
        <lastmod>2019-05-03T03:51:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/kiwisaver-summary/3584</loc>
        <lastmod>2019-05-06T04:04:03Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/locked-out-of-my-account/30520</loc>
        <lastmod>2019-05-07T21:53:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/customer-service-compaint-process-lack-thereoff/30514</loc>
        <lastmod>2019-05-08T11:02:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/lost-wallet-found/30528</loc>
        <lastmod>2019-05-10T05:24:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/union-pay-we-chat/29354</loc>
        <lastmod>2019-05-10T05:50:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/are-you-owed-a-tax-refund/30533</loc>
        <lastmod>2019-05-14T07:40:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/stay-on-the-lookout-for-lottery-scams/30551</loc>
        <lastmod>2019-05-22T03:42:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/joint-account/30548</loc>
        <lastmod>2019-05-22T05:52:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/watch-out-for-this-spark-scam/29166</loc>
        <lastmod>2019-05-23T22:45:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/documents-statements/29187</loc>
        <lastmod>2019-05-27T21:24:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/google-pay-needing-a-pin/30451</loc>
        <lastmod>2019-05-28T00:38:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/card-skimming-and-what-you-need-to-know/30569</loc>
        <lastmod>2019-05-29T20:35:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/api-application-programming-interface/337</loc>
        <lastmod>2019-05-31T00:25:33Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/feature-request-international-travels-debit-credit-card-in-foreign-currencies-that-i-can-load-those-currencies-directly/30554</loc>
        <lastmod>2019-06-03T05:35:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/money-tracking-with-bnz/313</loc>
        <lastmod>2019-06-04T23:16:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/savings-goal-progress/30571</loc>
        <lastmod>2019-06-05T03:38:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/developer-api/28948</loc>
        <lastmod>2019-06-11T20:47:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/closing-account/30360</loc>
        <lastmod>2019-06-11T22:06:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/flexi-debit-visa-card-setting-a-pin-number/30578</loc>
        <lastmod>2019-06-11T22:21:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/balance-transfer-mastercard/30590</loc>
        <lastmod>2019-06-13T20:50:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/term-deposit-rwt/30593</loc>
        <lastmod>2019-06-14T01:00:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/home-loan-repayments/30602</loc>
        <lastmod>2019-06-19T03:27:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-phishing-email/30610</loc>
        <lastmod>2019-06-20T21:00:51Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cancelling-pending-transactions-request/30604</loc>
        <lastmod>2019-06-20T23:54:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/are-credit-cards-really-evil/431</loc>
        <lastmod>2019-06-21T05:26:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-password-telephone-pin-reset/30385</loc>
        <lastmod>2019-06-25T00:49:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/loan/30616</loc>
        <lastmod>2019-06-26T03:04:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/making-extra-payments-to-my-variable-home-loan-via-internet-banking/4467</loc>
        <lastmod>2019-06-27T05:10:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/persistent-internet-connection-error-message/26722</loc>
        <lastmod>2019-06-28T23:56:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/making-a-payment-for-a-police-infringement/28637</loc>
        <lastmod>2019-07-04T08:29:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/transfer-usd-from-fx-call-account-to-another-nz-bank-account/30646</loc>
        <lastmod>2019-07-08T10:05:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-business-internet-banking-summary-page/30631</loc>
        <lastmod>2019-07-10T00:36:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/finding-bank-store-branch-number/30664</loc>
        <lastmod>2019-07-17T10:28:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/exchange-pre-decimal-currency-in-branch/30650</loc>
        <lastmod>2019-07-17T10:31:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/convert-personal-account-to-a-joint-account/30634</loc>
        <lastmod>2019-07-17T19:43:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-log-in-web-browser-outdated/30675</loc>
        <lastmod>2019-07-23T02:13:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/ever-wanted-an-alternative-to-the-netguard-card-its-here/29956</loc>
        <lastmod>2019-07-25T19:16:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-app-doing-weird-things-reset-settings/30670</loc>
        <lastmod>2019-07-25T21:15:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/keep-an-eye-out-for-this-inland-revenue-phishing-email/30676</loc>
        <lastmod>2019-07-30T01:49:03Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/closed-for-good/30679</loc>
        <lastmod>2019-08-01T02:15:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/no-network-connection-available/30623</loc>
        <lastmod>2019-08-01T02:21:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-can-i-refresh-my-bnz-statement-in-mobile-app/30085</loc>
        <lastmod>2019-08-01T02:33:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-app-running-balance/28826</loc>
        <lastmod>2019-08-01T02:50:43Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/youmoney-accounts-name-edits-not-sticking/30566</loc>
        <lastmod>2019-08-01T02:54:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/overseas-fees-on-credit-card/30687</loc>
        <lastmod>2019-08-07T00:43:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/netguard-card-expired/30598</loc>
        <lastmod>2019-08-19T00:07:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/phishing-emails-target-mbie-customers/30704</loc>
        <lastmod>2019-08-20T20:47:44Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/premiercare-insurance/29411</loc>
        <lastmod>2019-08-26T00:00:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/show-payee-bank-account-number/30466</loc>
        <lastmod>2019-08-26T01:27:49Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/why-do-i-have-to-deal-with-the-small-business-team-for-mortgage/30725</loc>
        <lastmod>2019-08-30T00:32:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-payclip-feedback-improvement/30723</loc>
        <lastmod>2019-08-30T00:36:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/open-business-account-overseas/30720</loc>
        <lastmod>2019-08-30T01:29:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/about-the-mobile-bnz-category/30736</loc>
        <lastmod>2019-09-03T21:55:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/payment-with-samsung-s3-gear-watch/29415</loc>
        <lastmod>2019-09-04T23:48:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/android-pay-on-android-wear-smartwatch/28851</loc>
        <lastmod>2019-09-05T01:02:47Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/outage/30740</loc>
        <lastmod>2019-09-05T09:25:20Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/server-down/30734</loc>
        <lastmod>2019-09-05T09:32:15Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/why-can-i-not-search-my-payees/30741</loc>
        <lastmod>2019-09-09T11:19:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/i-cant-register-for-internet-banking/30727</loc>
        <lastmod>2019-09-10T00:36:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/paypal/30748</loc>
        <lastmod>2019-09-12T22:44:02Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/platinum-credit-card-cover/30750</loc>
        <lastmod>2019-09-12T23:06:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/westpac-s-cashnav/30640</loc>
        <lastmod>2019-09-12T23:30:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/robocall-scam-alert/30757</loc>
        <lastmod>2019-09-12T23:46:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit-cards-and-its-affect-on-ability-to-get-a-mortgage/30760</loc>
        <lastmod>2019-09-16T22:36:09Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/help/30767</loc>
        <lastmod>2019-09-20T00:28:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/historical-kiwisaver-unit-prices/233</loc>
        <lastmod>2019-09-20T01:47:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-homeadvantage-credit-card-overseas/30779</loc>
        <lastmod>2019-09-27T01:23:59Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/i-need-my-new-serial-number-card/30784</loc>
        <lastmod>2019-09-29T23:38:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-blocked/30803</loc>
        <lastmod>2019-10-07T03:52:03Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/international-bank-xfers-don-t-work-weekends/30511</loc>
        <lastmod>2019-10-09T22:15:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/its-cyber-smart-week/30822</loc>
        <lastmod>2019-10-13T19:23:34Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/how-i-colse-my-account-oversea/30783</loc>
        <lastmod>2019-10-13T23:40:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/watchos-6-crash/30820</loc>
        <lastmod>2019-10-14T00:56:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/credit/30826</loc>
        <lastmod>2019-10-16T03:29:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/help-with-aml-rules/30795</loc>
        <lastmod>2019-10-17T04:53:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/final-words-for-cyber-smart-week-report-it/30834</loc>
        <lastmod>2019-10-17T18:54:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/expiry-time-for-pending-transactions/30833</loc>
        <lastmod>2019-10-18T00:39:58Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/card-issues-overseas/30838</loc>
        <lastmod>2019-10-20T23:31:16Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/garmin-pay-and-fitbit-pay/30032</loc>
        <lastmod>2019-10-22T04:27:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/payment-failed-on-transfer-from-other-bnz-client/30859</loc>
        <lastmod>2019-11-10T22:08:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/international-fraud-awareness-week-is-here/31024</loc>
        <lastmod>2019-11-17T20:06:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/international-fraud-awareness-week-comes-to-a-close/31029</loc>
        <lastmod>2019-11-21T18:29:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-bnz-is-on-the-move/31034</loc>
        <lastmod>2019-11-24T18:33:10Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/stay-safe-when-shopping-online/31036</loc>
        <lastmod>2019-11-25T20:29:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/does-bnz-have-a-salary-split-feature/30869</loc>
        <lastmod>2019-11-26T00:39:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/ipv6/31039</loc>
        <lastmod>2019-11-26T11:01:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/pending-payment-still-pending-7-days-later/31091</loc>
        <lastmod>2019-12-15T22:48:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/wrong-number-entered-into-account/30487</loc>
        <lastmod>2019-12-16T22:51:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/scam-savvy-week-is-here/30718</loc>
        <lastmod>2019-12-16T22:55:54Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-chequebook-policy-makes-no-sense/30677</loc>
        <lastmod>2019-12-19T04:34:26Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/available-balance-no-longer-showing-on-mobile-app/31084</loc>
        <lastmod>2019-12-19T22:29:14Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/creating-a-joint-account/30508</loc>
        <lastmod>2020-01-06T07:54:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/fees-to-deposit-international-cheque/31128</loc>
        <lastmod>2020-01-22T05:46:49Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/auckland-anniversary/31283</loc>
        <lastmod>2020-01-23T00:48:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/living-overseas-card-expried/31289</loc>
        <lastmod>2020-01-24T03:35:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mortgage-repayment-why-is-it-so-hard/22791</loc>
        <lastmod>2020-02-09T06:31:35Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/safer-internet-day-2020/31319</loc>
        <lastmod>2020-02-10T23:38:50Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/end-dates-for-auto-payments/21006</loc>
        <lastmod>2020-02-23T23:53:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/garmin-pay/30840</loc>
        <lastmod>2020-03-09T04:06:40Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/internet-banking-locked/30393</loc>
        <lastmod>2020-03-13T02:20:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bank-of-montreal-inst-transit-no/31394</loc>
        <lastmod>2020-03-19T02:10:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/track-spending-and-budgeting-apps/25191</loc>
        <lastmod>2020-03-21T20:06:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/covid-19-paywave/31432</loc>
        <lastmod>2020-03-25T02:18:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/scammers-take-advantage-of-covid-19-pandemic/31516</loc>
        <lastmod>2020-03-26T01:25:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/smart-atm-enhancement/30174</loc>
        <lastmod>2020-04-01T08:26:42Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-visa-debit-card/31540</loc>
        <lastmod>2020-04-01T20:08:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/closing-account-from-overseas/31531</loc>
        <lastmod>2020-04-03T23:05:00Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/custom-statements/31554</loc>
        <lastmod>2020-04-03T23:14:30Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/atm-deposit/31559</loc>
        <lastmod>2020-04-07T22:40:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/access-number-for-login-online/31585</loc>
        <lastmod>2020-04-20T03:28:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/resident-withholding-tax-certificates/31600</loc>
        <lastmod>2020-04-24T00:36:39Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/using-the-search-bar-to-find-and-filter-transactions/28308</loc>
        <lastmod>2020-05-05T01:41:45Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/charge-back/31591</loc>
        <lastmod>2020-05-17T08:24:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/adding-an-extra-0-onto-bank-account-for-payment/30700</loc>
        <lastmod>2020-05-24T08:35:24Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/wrong-suffix/31082</loc>
        <lastmod>2020-05-24T23:39:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/refresh-accounts-page/31669</loc>
        <lastmod>2020-05-25T03:38:06Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/push-notification-more-details-please/31389</loc>
        <lastmod>2020-05-29T00:26:38Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-prepay/31682</loc>
        <lastmod>2020-05-29T04:21:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/adding-editing-payees/241</loc>
        <lastmod>2020-05-29T04:27:48Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/help-bubble-on-accounts-screen-is-in-the-way/31605</loc>
        <lastmod>2020-06-05T02:39:36Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/import-payments-from-xero/16435</loc>
        <lastmod>2020-06-05T03:08:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/insulation-package/31709</loc>
        <lastmod>2020-06-06T00:20:57Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/time-zone-wont-let-me-access-bnz-apps/30034</loc>
        <lastmod>2020-07-06T02:21:11Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/petition-to-make-government-departments-still-accept-cheques/31366</loc>
        <lastmod>2020-07-13T13:57:23Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/help-with-overseas-cancelling-account/31794</loc>
        <lastmod>2020-07-14T21:13:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/eftpos-card-temporary-block-in-app/31816</loc>
        <lastmod>2020-07-23T02:34:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/balance-transfer-2020/31824</loc>
        <lastmod>2020-07-24T02:24:17Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/types-of-banking-transactions/31826</loc>
        <lastmod>2020-07-26T22:19:05Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/smart-atms-are-uber-annoying/31842</loc>
        <lastmod>2020-08-04T21:31:28Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/cannot-make-payments-using-opera-browsser/31859</loc>
        <lastmod>2020-08-19T23:27:37Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/garmin-pay-please/31869</loc>
        <lastmod>2020-08-26T05:18:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/5-ways-to-shred-thousands-off-your-mortgage/411</loc>
        <lastmod>2020-08-26T23:26:46Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/rearrange-accounts-on-bnz-app/29722</loc>
        <lastmod>2020-08-29T12:09:21Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-app-2fa-toast-notification-add-approve-deny/31882</loc>
        <lastmod>2020-09-07T02:46:55Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/refund-by-eftpos/31886</loc>
        <lastmod>2020-09-08T20:10:29Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/changing-personal-address/31936</loc>
        <lastmod>2020-09-28T03:58:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/new-payment-screen/31141</loc>
        <lastmod>2020-09-30T22:05:56Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/smart-deposit-atm-suggestion/31942</loc>
        <lastmod>2020-10-02T04:59:04Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/denominationatm-issued-notes/31944</loc>
        <lastmod>2020-10-02T05:09:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/installing-bnz-mobile-apple-for-non-nz-regions/30203</loc>
        <lastmod>2020-10-08T21:34:27Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-app/30096</loc>
        <lastmod>2020-10-22T04:05:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/what-is-mobile-bnz/31967</loc>
        <lastmod>2020-10-23T00:25:25Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/what-do-you-think-of-the-new-activity-feature-in-the-bnz-app/31610</loc>
        <lastmod>2020-11-04T10:48:07Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/did-not-get-answer-on-secure-message-request/32003</loc>
        <lastmod>2020-11-13T01:47:31Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/feedback-discern-which-credit-card-consumed-what/32008</loc>
        <lastmod>2020-11-16T23:01:08Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-will-not-allow-my-father-in-the-uk-to-close-his-account/32005</loc>
        <lastmod>2020-11-17T21:09:13Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/platinum-visa-travel-insurance/32024</loc>
        <lastmod>2020-11-23T03:54:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/i-need-help-login-into-internet-banking/32022</loc>
        <lastmod>2020-11-23T04:13:52Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/mobile-bnz-dargaville/32037</loc>
        <lastmod>2020-12-03T02:07:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/adding-bnz-to-paypal-bank/29061</loc>
        <lastmod>2020-12-15T00:50:53Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/bnz-disgraceful-action/31796</loc>
        <lastmod>2021-01-07T00:46:12Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/feedback-android-status-bar-bug/32071</loc>
        <lastmod>2021-01-08T05:48:19Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/on-line-share-trading/32073</loc>
        <lastmod>2021-01-10T21:54:32Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/sending-debit-card-overseas/32080</loc>
        <lastmod>2021-01-19T04:11:01Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/qr-code-for-bank-account-transfers/32084</loc>
        <lastmod>2021-01-19T05:41:18Z</lastmod>
    </url>
    <url>
        <loc>https://community.bnz.co.nz/t/about-the-financial-crime-category/29760</loc>
        <lastmod>2018-06-28T20:49:51Z</lastmod>
    </url>
</urlset>
