New to New Zealand on a working holiday? One of the first things you'll need is a local bank account. Whether you're fruit picking, barista-ing, or just starting out, having a NZ bank account is essential for getting paid and managing your money.
This guide walks you through exactly how to set one up.
🏦 Step 1: Choose a Bank
Popular banks for working holiday makers:
ANZ – Known for traveller-friendly service
BNZ – Easy online setup
Kiwibank – Great customer support, NZ-owned
Most major banks have branches in big cities like Auckland, Wellington, and Queenstown.
📄 Step 2: What You’ll Need
To open your bank account, bring:
Your passport with valid working holiday visa
Proof of NZ address (hostel letter, tenancy agreement, etc.)
IRD number (or proof you’ve applied)
💡 Tip: Some banks allow you to book appointments online before you arrive in New Zealand.
🧾 Step 3: After Your Account is Open
Once your account is live:
Download your bank's mobile app (for easy transfers)
Register for online banking
Set up alerts so you can track spending
If you're starting work soon, give your account number to your employer ASAP.
💬 Helpful Phrases
When you visit the bank, you can say:
"Hi, I’m on a working holiday visa and I’d like to open a bank account."
"I have my passport and address proof ready."
✅ Bonus: IRD Number Tip
You need a bank account to apply for your IRD number (tax number). So open your bank account first, then apply at ird.govt.nz
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