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Spread the cost of your water bill

You can spread the cost of your water bill by setting up a payment plan.

How and when you're billed

How and when you receive your water bill will change depending on whether you have a water meter or not.

Pay by Direct Debit

A Direct Debit payment is often the simplest way to pay your bill.

It can help to spread the cost over a year in regular, manageable amounts. You can choose to pay your bill by Direct Debit on a payment schedule that suits you, including fortnightly, four-weekly, or monthly Direct Debits.

Because the payments are automatically taken from your bank account, once it's set up you never have to worry about remembering to pay again.

All payments are secure, and backed by the Direct Debit guarantee

Choose when you make your regular payments

You can choose when you’d like to make payments, so you’re able to break your bill up into manageable chunks that you pay at regular intervals.


You can choose to make regular payments in a way that suits you.

You can choose to make payments every:

  • month
  • four weeks
  • two weeks
  • week (non-Direct Debit payment plans only)

If you’re not on a water meter, you can spread the cost of your bill across 8 to 12 months, depending on your preference.

If you pay over 8 months, your regular payments will be higher, but you’ll have four months a year where you pay nothing.

If you split the cost of the bill over 12 months, you’ll pay less each month, but you’ll make a payment every month.

Whichever duration of payment plan you choose, you’ll still pay the same total amount.You can choose the length of the payment plan to suit you. 

You’ll remain on your chosen payment plan frequency until you choose to change the regularity of your payments or change your payment method altogether.

If you’re on a water meter, your payment plan will always be fixed at a 12-month period.

We'll calculate your regular payment amount

The amount you pay each time you make a payment will be calculated in one of two ways.

Calculating your payments if you don't have a water meter

If you’re not on a water meter, your bill will be calculated using either the Rateable Value of your property or what we call an Assessed Charge.

Rateable Value charges

If you don’t have a meter, it’s most likely that you’re billed using your property’s Rateable Value.

Rateable Value is a fixed amount, assessed and set by the District Valuer’s office of the Inland Revenue between 1963 and 1990. Each property built before 1990 has a Rateable Value.

Your Rateable Value cannot be changed or reassessed.

Assessed charges

If you’ve applied for a water meter but been unable to have one fitted at your home, you’ll be put on an Assessed Charge.

This is a set figure, based on the average water use of a household that matches your own.

For example, if you’re a family of four in a three-bedroom semi-detached home, your bill amount will be calculated based on the average figures we have for another household of that type. 

Credit on your account

If you’re on a water meter, you will see your account is in credit at times throughout the payment plan. This is because you make payments in advance of your annual bill being generated and due.

Your monthly payment may build credit on your account, which is then used to pay your bill when it is due in April.

If you’re not on a water meter, your payment plan will begin when you bill is created, and so you pay off the amount of the bill steadily over the time you have selected.

Altering your plan if your circumstances change

You can reduce your instalments if your circumstances change and you can no longer afford your regular payments.

You would then pay any remaining amount in full at the time the bill is due, if you’re able to.

If you’re unable to pay your bill and you have outstanding debt on your account, we can work with you to create a bespoke payment plan you can afford that will help you pay-off what you owe and pay towards your current bill.