An authentic recording of a scammer getting a confirmation code from a customer demonstrates the sophistication that fraudsters are using. Our New Start scheme is the first of its kind in New Zealand. Westpac provides online banking, bank accounts, home loans/mortgages, credit cards, personal loans, foreign exchange, insurance, KiwiSaver, savings and investment solutions to kiwis. New Zealanders want better lifestyles and some are ready for a move out of the city.