A Kiwibank customer who racially abused and threatened the Hawke's Bay-based call centre worker who was trying to help him has been reported to police.

The phone call, which Hawke's Bay Today has heard, is the worst the call centre worker has experienced since he arrived in New Zealand from South Africa in 2008.

It starts with the customer calling the chargebacks section of Customer Protection Team over a contract he had signed but had not anticipated would take a fee out of his account.

When the customer realises Sam*, the call centre worker cannot help him, the conversation descends