Gain a head start on moving to New Zealand

Hit the ground running when you arrive in New Zealand, open a bank account online, while you're still overseas. Consider it one thing checked off your to-do list. 

What you can do before you move

Step one: Open your account

While you are still overseas, apply to open a bank account online and with the assistance of a dedicated migrant banking specialist, we'll help you set up your banking in preparation for living in New Zealand. 

At this stage, you won't need to provide full identification to us. When you arrive, make an appointment to visit a BNZ store to provide proof of your identity and a banker will activate the account in full.

Before you move, and while your account is not fully activated, it will act as a holding account where you can make deposits to it, but you won't be able to make any withdrawals.


Open your account

Step two: Move money across

Now that your account is open, you can deposit money into your account by using international payments^. You'll be able to view your account balance if you register for Internet Banking or alternatively, email us for confirmation.

You can withdraw funds as soon as you have met with a BNZ banker and provided evidence of your identity.

For any accounts that aren't activated within 12 months of being opened, any deposits you have made will be returned to the account you transferred them from. 



How to make international payments

Then, activate your account when you arrive

Before you leave, or once you've arrived in New Zealand, make an appointment to visit a banker at your nearest BNZ store to:

If you applied for a joint account, you'll both need to be at the appointment for the account to be activated.

Once activated, your account will be fully functional which means you’ll be able to make withdrawals, use Internet Banking and download our Mobile Banking app.

Find your nearest BNZ store

We'll help you get started in New Zealand

Moving to a new country comes with its own set of rules that are likely to be unfamiliar, so we'll support your move to New Zealand with information, products, and services to help you get settled in. 

Buying a house

If you're looking at buying a house, our guide will help you along your journey to home ownership in New Zealand

For property investors, we have a team of dedicated property specialists who provide advice and fine-tune your investment plan to help you with meeting your personal and financial goals.

Our home loans

Getting cover

We can set you up with Migrant Insurance for both your vehicle and/or contents if you are moving to New Zealand on a visa that is longer than 12 months.

Even if you are moving here temporarily, we can offer a short term insurance option for those staying 12 months or less.

Enquire online

Paying with ease

You may be able to apply for a credit card or personal loan when you first activate your account in store if you're arriving on a longer term visa with a job offer^.

Simply talk to our team and we'll help you find the most suitable credit card product for you, from low-interest to rewards card options.

Our credit card options

Starting a business

You know you're in good hands when BNZ has won the award for the Best Small Business Bank for 6 years running. 

Whether you're starting a new venture or have a long-standing business, we can support you by providing easy access to business specialists, innovative products, and resources to help you run your business smarter.

About BNZ small business

Services for those on Investor Visas

If you're planning on moving to New Zealand under the Investor or Investor Plus visa categories, we are able to work with you to create investment solutions that will help you meet the 'acceptable investment' requirements, and your own individual investment preferences.

Tailored to your needs

Not only will your portfolio meet the requirements of your visa application, but it’ll also reflect your personal situation and investment objectives. Plus we’ll tailor it to your attitude to risk.

What your portfolio will be

Your portfolio can be constructed with New Zealand managed funds and (or) direct investments in New Zealand equities, bonds or listed property. 

Leave the hard work to us

We make the process easy by working with Immigration New Zealand on your behalf to gain approval of your investment portfolio. Once approved, we’ll take care of implementing your portfolio for you.

Ongoing Advice and Monitoring

We actively monitor and manage your investments for you. We’ll provide in-depth valuation, performance and tax reporting to maintain your ongoing compliance with the investment rules.

Award-winning banking

Creating the best banking experiences for our customers is at the heart of what we do. But don’t just take our word for it.


Delightful Digital Experiences

We ranked top in New Zealand for digital banking experiences that customers love in SAP’s 2016 New Zealand Digital Experience Report.

global awards

Best private bank, New Zealand

BNZ Private Bank won the "Best Private Bank in New Zealand" in The PWM/The Banker Global Private Banking Awards 2015, recognising excellence in wealth management.

best gold 2014

Outstanding design

Our internet banking and mobile app won Best Effect award for design and innovation excellence in the 2014 Best Design Awards.

Why Bank of New Zealand?

We're one of New Zealand's leading full-service banks with over 170 stores nationwide and we've been helping people start a new life in this country since 1861. 

We offer a leading online banking experience with our Internet Banking platform that simplifies your banking experiences and gives you the flexibility to bank the way you prefer.

Our award winning Mobile Banking app gives you freedom to bank on the go and at your convenience, all within a beautiful design and options to personalise your account. 

Migrant help and support

If you need help, contact our New Zealand team on +64 9 976 6318 (international charges will apply) or

You can also contact our migrant teams around the world.
United Kingdom: +44 207 710 1930 or
Australia: +61 3 8634 1393
China: +86 21 2089 0288
Singapore: +65 6419 6875
Hong Kong:   +852 2826 8111
India: +91 22 6198 8200

Small Print

Account opening and lending criteria, terms and fees apply. BNZ standard terms and conditions apply to all BNZ transaction and savings accounts. Details of our fees can be found in our Fees Guide.