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Moving to New Zealand?

We can help with opening a bank account before you arrive.

How it works

Open your account in 3 simple steps:

Apply online

  • Apply online within 90 days of your arrival to New Zealand
  • Once you’ve submitted your application, we’ll email you asking for a copy of your passport(s) and a copy of your visa from Immigration New Zealand (if applicable).
  • Once we've received everything we need, we'll email within 3 working days with confirmation of your account details and how to pre-book a branch appointment.


Account opened with limited access 

         Before you arrive in New Zealand you can:

  • Transfer funds into your account
  • Pre-book a branch appointment for a date and time which suits you.

Full account access

  • Activate your account upon arrival to New Zealand by attending an ANZ branch appointment to complete your identity check.

Choose an account

We have a range of simple, easy accounts for you to choose from. Select the account that’s right for you, then you could apply online.

Note, you can open additional accounts once you’re a customer.


No transaction fees, and no monthly account fee if you meet the minimum monthly deposit of at least $2,500 each month

With a Resident or Work Visa, you may be eligible for our Migrant Banking Package.

Package benefits include:

  • ANZ Freedom account - We’ll waive the Monthly Account fee for the first 12 months on new or existing accounts. 
  • ANZ Personal Credit Card - We’ll waive the Annual fee (including additional card fee) for the first 12 months on one new or existing ANZ personal credit card. 
  • ANZ Personal Lending - If you ask when you apply, we’ll waive the application fee.
  • Lifestyle benefitsdisclaimer - Free Vodafone Prepay SIM card with $5 credit, 10% discount on Hertz car rentals when booked on and 10% discount off Rydges Hotel bookings when booked on

Lending criteria, terms, conditions and fees apply to all lending facilities.



Monthly account fee, waived each month you deposit at least $2,500 into your accountdisclaimer



Transaction feesdisclaimerdisclaimer



ANZ Visa Debit card annual feedisclaimerdisclaimer


Save on fees with your Go account when you bank electronically (debit cards, ATMs and online banking)



Monthly account fee



Automated transaction feedisclaimer




Manual transaction fee per transactiondisclaimer

(cheques and staff-assisted transactions)



ANZ Visa Debit card annual feedisclaimer disclaimer (waived for the first 12 months on new cards)

  • Unlimited free automated transactionsdisclaimer
  • Overdraft available on applicationdisclaimer
  • Joint account option available

An account for anyone under 21, and full-time students, with no account or transaction fees



Monthly account fee



Transaction feesdisclaimer  disclaimer



ANZ Visa Debit card annual feedisclaimer disclaimer

Learn about accounts for kids

Earn Premium interest and your savings could grow more

Total interest rate

Standard Interest plus
Premium interest


  • Allows you to build your savings over time.
  • Earn Premium interest if you make no withdrawals and deposit $20 or more (not including credit interest) on or before the last business day of the month.
  • Allows access to your savings if you need to and still earn Standard interest (one free withdrawal per month).

Savings with online access anytime

Flat interest rate


  • Allows you to dip into your savings from time-to-time.
  • Simple and easy to manage with ANZ Internet Banking and goMoney appdisclaimer.
  • Free automated withdrawals (e.g. ANZ Internet Banking,  or goMoney)disclaimer.

Not sure?

Find out which everyday or savings account is right for you, use our online tool to help you decide.

Help me choose

Get in touch today



Email us:


+64 9 634 5940*

Monday - Friday: 7am - 6pm NZDT
(except on public holidays)
*International toll charges apply


Submit an online call back request form and one of our team will call at a convenient time for you

Call back form

More reasons to choose ANZ

All your financial needs in one place 

From everyday banking, savings accounts, insurance and more.

Multilingual team

Our team speak a wide range of languages, so whether you’re fluent in English or only speak a little; it’s easy for you to apply for an account.

Flexibile banking

It's easy to bank with us; from our extensive branch network to online and phone banking options, you're always connected.

Our eligibility criteria apply. Fees are subject to change. Non-standard fees may apply. Please use the following links for full details of our Terms and ConditionsFees and Charges (PDF 166kB)ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103kB), and ANZ Electronic Banking Conditions (PDF 129kB).

This material is for information purposes only. We recommend seeking 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, (or +64 4 470 3142 from overseas, charges may apply), or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see

If you're 21 or over and applying for Jumpstart, or applying for lending benefits only available to tertiary students, you must be enrolled at and provide proof of full time study at a government recognised tertiary institution or a NZQA approved language school. When applying for lending benefits you must have a minimum of 6 months remaining on your course. International students are only eligible to apply for an ANZ Credit Card.

The goods and/or services described above are supplied by third parties. ANZ does not warrant the quality of the goods and/or services described, or the suitability for your particular circumstances. To the extent permitted by law, ANZ excludes liability for any loss suffered as a result of the Lifestyle goods and/or services by you. It is recommended you seek advice from a professional adviser which takes into account your individual circumstances before you acquire any of the Lifestyle goods and/or services. For more information on the Lifestyle Benefits and Terms and Conditions see Migrant Banking Package.


A monthly account fee of $5 will apply if the $2,500 minimum deposit is not met. Deposits exclude transfers between any of your ANZ accounts.


Automated transactions include EFTPOS, Visa Debit, ATM, and mobile wallet transactions, as well as all electronic payments and other transactions made using ANZ Internet Banking, goMoney, Phone Banking, and ANZ Direct Online. 


Manual transactions include transactions handled by our staff for you, including at a branch, by phone, or online. Balances and basic account enquiries at a branch are free. We process any deposits received through ANZ Fast Deposit Boxes as staff-assisted, manual transactions.


Must be 13 years or over to apply for an ANZ Visa Debit card.


The Visa Debit annual card fee will be waived if the card is linked to an ANZ Freedom or ANZ Jumpstart account. It will also be waived for the first 12 months for a new card linked to an ANZ Go account (after 12 months you will be charged an annual card fee of $10). For all other accounts you will be charged an annual card fee of $10.


All overdrafts are subject to application and ANZ eligibility criteria, lending criteria and terms and conditions. Overdraft fees may apply. See ANZ Overdraft for more information.


Registration is required for ANZ goMoney, ANZ Internet Banking and ANZ Phone Banking. Telephone, mobile operator and internet service provider charges may apply to these services. Eligibility criteria and terms and conditions apply.


Automated transactions include EFTPOS, Visa Debit, ATM, and mobile wallet transactions, as well as all electronic payments and other transactions made using ANZ Internet Banking, goMoney, and Phone Banking. EFTPOS, Visa Debit, ATM and mobile wallet transactions not permitted on the ANZ Online account.