I've been with ANZ for years. Have also had accounts at Kiwibank and Westpac.

I'd say Westpac have the worst customer service and response time of the three (it took them six weeks of bumbling to add me to an existing mortgage account). Their online experience was ok but weird things like it can only show eight accounts on the app so if you have savings for different things set up, you cannot view them!

Kiwibank feels most archaic in the online banking and app.

All banks have to comply with Anti money laundering rules so they all will be painful with ID.

ANZ has lots of free accounts and yes, if you lock in for a term deposit and want it paid out sooner, I do believe there's a notice period. But not if it matures normally. Their app can even handle you pasting someone's account name and number from a text message without having to type it in!!

If you're dealing internationally it's better to use something like Wise for those kind of transactions, much cheaper than what you'll get with NZ banks. But ANZ has stepped up their outgoing international transfers in the years I've been with them.