Paying your rates

COVID19 - What’s Happening with Rates?

Please take a look at our latest update on COVID19 and Rates.

Late payment penalties will not apply if a payment arrangement has been agreed on. Contact us on or 0800 965 468 (0800 WMK GOV) if you would like to talk more about this or discuss a payment plan – we want to help.

Q and A's - Rates & Covid19

Online Application for Rates Payment Assistance

This section gives information on when your rates are due, what discounts are available, penalties on late payments, ways to pay your rates and overdue rates accounts.

Instalment due dates

The Council's financial year runs from 1 July to 30 June, and rates are charged in four equal instalments. Invoices are posted out approximately 4-5 weeks before the due date.

InstalmentDue dateLast date for payment
120 August27 August
220 November27 November
320 February27 February
420 May27 May

Penalty charge for late payment

A 10% penalty is added to any part of an instalment which remains unpaid after the last date for payment shown above. If you have a reason to dispute a rates penalty charge, please use the penalty remission application form.

Discount for early payment of total rates

A discount, amounting to 4% of the general rate, roading rate and community services rate, is allowed if the total year's rates, including rates collected on behalf of Environment Canterbury (the Canterbury Regional Council) are paid in full before the last date for payment of the first instalment, i.e. 27 August.

Penalty charge on rates arrears

A penalty charge amounting to 10% of the amount of unpaid rates from previous financial years, including any penalty charge imposed before 30 June in the previous financial year, will be added in July and January each year.

Payment methods

The Council accepts the following methods of payment:

Cash, cheque and eftpos (excluding credit cards)

Payments may be made at the Kaiapoi, Rangiora and Oxford Service Centres. Post-dated cheques are accepted. Cheques may be posted in to the Council. Please do not post cash.

Internet or phone banking transfer

Instalment payments or a regular amount may be transferred to the Council through phone or internet banking. The bank account for phone/internet payments is Account number: 01 0877 0129222 00. Please use the Valuation Number on your rates invoice as a reference.


Direct debit (Rates Easypay)

Options available for payment by direct debit include weekly, fortnightly, monthly, quarterly (instalment due date) and annual payment to claim discount. You complete and sign a direct debit application form  (also available from all service centres) and we advise the amount of each payment, and the dates that payments will be debited. If you want to stop or change a direct debit, a call to the Council is all that's required.

Automatic payment

Ratepayers may direct credit a regular amount from their bank account into the Council's account. To avoid penalties, automatic payments should be set to clear each instalment by the due date. If you have any questions please contact us on 0800 965 468.

Online credit card payment

Secure online credit card payments using Visa or MasterCard can be made through our eServices website.

A convenience fee of 2.34% of the amount paid applies for all payments made using this method - Waimakariri District Council does not receive any of this fee. Please have your Valuation Number handy (on your Rates bill) and your credit card number.

Overdue accounts

If you are not able to pay your rates we encourage you to talk to the Rates Collection Team as soon as possible so we can help you set up a payment plan that will bring the account up to date before any collection action is taken. Email us at

Collection of rates from the mortgagee

Following the end of each financial year, the Council may notify a mortgagee of rates owing on any property that a bank or finance company holds a mortgage over.

Three months after this advice, the Council can demand payment of rates arrears from the mortgagee.

If you have a mortgage on your property it is in your interests to contact the Council before an approach is made to the mortgagee. Once a demand for payment has been made to a mortgagee, there is no further opportunity for the ratepayer to make a payment arrangement with the Council for the payment of the arrears.

Court proceedings

Where there is no mortgage on a property, the Council will begin proceedings in the District Court to recover unpaid rates. The cost of taking court action is generally added to the debt.

Court action can result in the property being sold with the proceeds being used to clear unpaid rates.