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Moving to New Zealand

We can help with opening a bank account, either before you arrive or once you get here.

Need to know

Eligibility

  • You’ll need to be arriving in New Zealand within the next 90 days and have a valid visa. We normally require a valid visa with at least six months duration available for each visit. 
  • You need to be at least 13 years old.
  • You will need to activate your account in New Zealand by visiting a branch.

Deposit only

You can deposit money once you receive your account confirmation email from us. 

You won’t be able to make any withdrawals or apply for other banking products until your account is fully activated.

Account types

Everyday accounts are commonly used for receiving your pay and day-to-day transactions. You can choose to apply for an ANZ Visa Debit or EFTPOS card with your everyday account. You must be 13 years or over to apply for an ANZ Visa Debit card.

Savings accounts can earn you interest, but are only accessible online through the ANZ goMoney mobile app— and ANZ Internet Banking—. ANZ Visa Debit or EFTPOS cards are not available with savings accounts. 

Activating your account

To activate your account, you’ll need to complete identification checks by visiting an ANZ branch in New Zealand.

You’ll then be able to access your account in goMoney and Internet Banking, or by using an ANZ Visa Debit or EFTPOS card if you selected an everyday account and applied to receive one.

Complete your own application

You must be the intended account holder to complete the application. 

If a third party, like an immigration agency, is completing the application for the intended account holder, let us know immediately. If you don’t do this, we won’t be able to progress the application. 

Email movetonz@anz.com, and include your application reference number.

How to join ANZ

You can make an application either:

  • Up to 90 days before arriving, or
  • Once you arrive in New Zealand.

Start your application

  • Choose an everyday or savings account that suits you. You can add more accounts, once your first account is activated after you arrive in New Zealand.
  • Complete the online form. This should take about five minutes. 
  • If you apply from overseas, you’ll need to provide your current overseas residential address. 
  • If you apply from New Zealand, you’ll need to provide a New Zealand residential address that you will be living at long-term.

We’ll email you

  • We’ll email you to let you know what other information and documents we need from you. The email will include an attached Know Your Customer (KYC) form for you to complete. If you do not receive our email within three business days, check the junk folder in your emails. 
  • Once we’ve confirmed eligibility, we’ll open the account you requested. We’ll email your account details to you.
  • You can then transfer money into your account, but not withdraw money.

Visit an ANZ branch

  • You’ll receive an account confirmation email. You’ll then need to visit an ANZ branch in New Zealand to complete identification checks. See our branch locations.
  • Once we’ve completed our identification checks, we’ll activate your account and you’ll have full access to it.

Our most popular everyday account options

For people who like to do their banking electronically

ANZ Go account

  • No monthly account or automated transaction fees when you bank electronically—
  • $3 per manual (staff-assisted) transaction fee—
  • Free ANZ Visa Debit card (you must be aged 13 years or over to apply for an ANZ Visa Debit card)
  • Joint account options available
  • Overdrafts available (you must be aged 18+ and lending criteria applies)—
Apply for a Go account

For full-time students and people under 21

ANZ Jumpstart account

  • Eligibility criteria applies (like proof of enrolment in full-time tertiary study with a remaining duration of at least six months)
  • No monthly account or transaction fees
  • Unlimited free automated and manual transactions—,—
  • Free ANZ Visa Debit card (you must be aged 13 years or over to apply for an ANZ Visa Debit card)
  • Overdraft available, up to $2,000 interest free (must be 18+ and lending criteria applies)—,—
  • Individual account only (no joint accounts)
Apply for a Jumpstart account

Contact the migrant banking team

Email us

movetonz@anz.com

Call us

Monday to Sunday, 8am - 5.30pm NZDT
(except on public holidays)

+64 9 634 5940

International toll charges apply

Once your account is activated, you might be interested in

Credit cards

Everyone is unique, so we offer credit card options to suit different needs.

Credit cards

Insurance

Life is full of surprises. Prepare for whatever happens, with the right insurance.

Insurance products are underwritten by third parties and terms and exclusions apply. ANZ may receive a commission on policies it arranges.

Insurance

Migrant Banking Package

Our Migrant Banking package will help make settling in easy, with a selection of personal and business banking products.

Migrant Banking package

Private Banking

A highly personalised wealth management service with a single focus on helping you achieve your ambition.

Private Banking

Important information

This material is for information purposes only. Please talk to us if you need financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296. See our financial advice provider statement (PDF 39.8KB). 

Our eligibility and lending criteria, terms, and fees apply. Fees can change. Phone and internet providers may charge fees when using their services to access ANZ goMoney, ANZ Internet Banking, and ANZ Phone Banking.

For details, see Terms and Conditions, Fees and Charges (PDF 166KB), ANZ EFTPOS card, ANZ Visa card and ANZ Business Visa Debit card Conditions of Use (PDF 157KB), and ANZ Electronic Banking Conditions (PDF 138KB).