Opening a bank account in New Zealand as a foreigner is straightforward if you plan ahead. Major banks such as ANZ, BNZ, ASB and Kiwibank allow non-residents to open accounts, but you’ll need to provide identification documents like your passport, visa and proof of address. Decide whether you want to open the account before you arrive – many banks offer migrant banking packages and online applications – or wait until you are in the country, when you can visit a branch in person.

If applying from overseas, you may need to upload certified copies of your passport and visa and complete a compliance interview by phone or video. Upon arrival, you’ll typically be required to visit a branch to verify your identity and activate the account. Choose an account type that suits your needs; everyday transaction accounts are ideal for daily spending, while savings accounts offer higher interest but may have withdrawal restrictions.

To simplify the process in 2025, gather documents such as a New Zealand address (from a hostel, hotel booking, or employer letter) and your Inland Revenue Department (IRD) number, which you can apply for online. Compare bank fees, international transfer costs and currency conversion rates, and consider banks that offer services tailored to migrants and students. Opening your account early ensures you have access to funds as soon as you arrive.

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