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Kina Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Kina Bank is a Papuan bank for everyday money: the everyday account's monthly fee is PGK 0 and its card runs on Visa. Savers get an easy-access account paying a variable rate of 1% to 4%, and existing customers can borrow at an APR of 26% over 6 to 60 months.

Key facts

Best for
Everyday banking, savings and lending for residents of Papua New Guinea.
Monthly fee
PGK 0↗
Card type
Debit↗
Card network
Visa↗
Legal entity
Kina Securities Limited↗
Headquarters
Papua New Guinea↗
Founded
1985↗
Support channels
Email, Phone, Help-centre↗
Official website
kinabank.com.pg

Loans

APR
26%↗
Loan amount
PGK 1,000 to PGK 75,000↗
Term
6 to 60 months↗
Arrangement fee
PGK300 fixed set up fee, payable once the loan is approved↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
18 or older, resident of Papua New Guinea, 2 forms of valid primary ID, existing Kina Bank customer with repayments drawn from a Kina account, 6 months employment (self-employed: 5 years), debt commitment 30% of gross salary or less↗
Loan types
Personal, Secured, Car, Business↗
Pricing model
No monthly fee

Savings

Headline rate
1% to 4%↗
Minimum deposit
PGK 50↗
Access terms
Withdrawals allowed at any time; the 3% bonus is only applied in a month with a deposit and no withdrawals↗
Account kind
Easy access↗

Mortgages

Initial rate
5.92%↗
Fixed period
3 years↗
Maximum loan to value
90%↗
Product fee
PGK 1,000↗
Purpose
Purchase, Remortgage, First-time-buyer, Buy-to-let↗

Credit cards

Annual fee
PGK 100↗
Card kind
Credit↗

Brokers

Markets
Stocks↗

Facts checked September 26, 2026, 12 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • The everyday account's monthly fee is PGK 0 and the savings account follows a no monthly fee model.
  • Savings pay a variable rate of 1% to 4% on an easy access account, with withdrawals allowed at any time.
  • A debit card on the visa network comes with the account, and a credit card is offered too.

Cons

  • Access terms cut both ways: the bonus applies only in a month with a deposit and an untouched balance.
  • Personal borrowing costs an APR of 26% and adds a PGK300 fixed set up fee, payable once the loan is approved.
  • The credit card has an annual fee of PGK 100 and the standard home loan a PGK 1,000 fee.
Kina Bank

Ready to try Kina Bank?

Scored 9.5 / 10 by SumCue.

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Who it suits

  • Residents of Papua New Guinea who want an everyday account, a Visa card and savings in one place.
  • Existing customers after the personal, secured and car loan types, repaid from a Kina account.
  • Homebuyers: home loans open at an initial rate of 5.92% for 3 years, and the group covers stocks.

Who should look elsewhere

  • Anyone wanting a euro account: bunq's monthly fee is €0, while Kina's savings, cards and loans are priced in kina.
  • Anyone after a secured card: Varo's Believe Secured Credit Card has a monthly fee of $0, against PGK 100 a year on Kina's credit card.
  • Readers holding money in more than a single market: Wise's monthly fee is £0 in sterling, while Kina runs on kina.

Rates and terms

The savings side pays a variable rate of 1% to 4%, so the return moves with the official rate rather than staying fixed for a term. Borrowing runs the other way: the unsecured personal loan is priced at an APR of 26% over a term of 6 to 60 months, and the amount borrowed and the length are both settled when the loan is agreed.

Who runs it

The entity behind the accounts is Kina Securities Limited, based in Papua New Guinea, and the group dates back to 1985, so it is an established local bank rather than a recent entrant. Customer help runs on email, phone and help centre: email, a phone line and a help centre for written and spoken queries.

How Kina Bank compares

Where Kina Bank is available

Available
Papua New Guinea

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to run an account with Kina Bank?+

The everyday account has a monthly fee of PGK 0, and the savings account follows a no monthly fee model, so holding a balance costs nothing each month. Charges sit elsewhere: the credit card has an annual fee of PGK 100 and the standard home loan a PGK 1,000 fee.

What do I earn on savings, and can I reach the money?+

The savings account pays a variable rate of 1% to 4% and is an easy access account, so withdrawals are allowed whenever you choose. One condition applies to the bonus: it is added only in a month with a deposit and no withdrawals, under the access terms.

What cards can I get?+

The everyday account comes with a debit card on the visa network, and a credit card is also issued. Debit cards dominate the listings at 82.2% of the accounts compared, and the credit card adds an annual fee of PGK 100.

How much can I borrow and what does it cost?+

The unsecured personal loan runs from PGK 1,000 to PGK 75,000, over a term of 6 to 60 months at an APR of 26%, and it carries a PGK300 fixed set up fee, payable once the loan is approved. Loan types cover personal, secured and car, so a car or business loan sits alongside the personal one.

Who can apply for a Kina Bank loan?+

Applicants need to be adults living in Papua New Guinea, with valid primary ID, an existing Kina account that repayments are drawn from, and a waiting period with the employer that runs longer for the self-employed. Existing debt must stay within the bank's share of gross salary, and the borrowing range is PGK 1,000 to PGK 75,000.

What does Kina Bank offer beyond everyday and savings accounts?+

Home loans open at an initial rate of 5.92% for a fixed period of 3 years, with a maximum loan to value of 90% and purposes covering purchase, remortgage and first time buyer. The investment side covers stocks through the group's securities arm, a narrow local spread.

How do I get help from Kina Bank?+

Support runs on email, phone and help centre: email, a phone line and a help centre, so written and spoken questions are both covered. The bank has traded since 1985 as Kina Securities Limited, based in Papua New Guinea, which matters if you are weighing an established local lender.

Sources

Compiled from 12 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Kina Bank

Kina Bank

Everyday banking, savings and lending for residents of Papua New Guinea.

9.5/10See alternatives