Help & Support


Requirements for opening an account at BNZ

Before we can open an account for you, we need to verify who you are, where you live and (if required) your tax residency status. To do this, you will need to provide us with the following:

There are different ID requirements for opening the following types of accounts:

For customers aged 65 and over, who are unable to meet standard ID and Address verification guidelines, we're able to use additional methods to verify your name, date of birth, and address. 

Speed up the process with RealMe®

If your identity and address is verified with RealMe®, you can open a transaction or savings account online, and start using it straight away in Mobile and Internet Banking. This means you won’t have to visit us in store to prove your identity.

Prove your ID

You can choose to prove your ID with one of the three following options:

Option 1 — One form of the following primary photo ID:

  • New Zealand passport.
  • New Zealand certificate of identity.
  • New Zealand firearms licence.
  • Emergency travel document.
  • New Zealand refugee travel document.

The below two documents must also include your name, date of birth, photo, signature and be issued by a foreign government, the United Nations or an agency of the United Nations:

  • Overseas passport.
  • National identity card.

Where possible, please provide current ID. However, we will accept the above forms expired up to a maximum of 12 months.

Option 2 — One form of the following non-photo ID:

  • New Zealand full birth certificate.
  • Certificate of New Zealand citizenship.
  • Citizenship certificate issued by a foreign government.
  • Birth certificate issued by a foreign government.
AND a supporting form of photo ID:
  • New Zealand driver licence*.
  • 18+ card  (Hospitality Association)*.
  • A valid and current international driving permit.

Where possible please provide current ID. However, we will accept the above forms identified with an * that have expired in the last 12 months.

Option 3 — A New Zealand driver licence together with one of the following:

  • A current signed credit card, debit card or EFTPOS card issued by a registered New Zealand bank with your name embossed on it.
  • A current item issued by a New Zealand Government agency that contains your name and signature, for example a SuperGold Card or Community Services Card.

The documents listed below must be dated within the last 12 months. Original or online versions are acceptable.

Please provide a current New Zealand driver licence. However, we will accept a licence that has expired within the last 12 months. 

Please note all of the above ID documents must be:
  • Original (except where indicated in Option C).
  • Clear, legible, a good likeness, not defaced or mutilated.
  • Valid (signed where applicable and not cancelled).
  • Translated where applicable.
  • Sighted by a BNZ staff member or trusted referee.

Prove your residential address

When you bring in a document to verify your residential address, there are a number of options you can choose from. All documents listed below must:

  • Display your name and residential address.
  • Be dated within the last 12 months.
  • Not be targeted promotional or marketing material.
  • Be translated where applicable.
  • Sighted by a BNZ staff member or trusted referee.

In the event that the documents have been sent to an address where you do not reside, you can use this provided that it includes your name and residential address. For example, mail sent to your PO Box which includes your residential address is acceptable. 

How to prove your address:

You can prove your residential address with any one of the following documents listed below.

The following items must be original:

  • A New Zealand driver licence that displays your current residential address. (Please provide a current New Zealand driver licence, however we will accept one that has expired within the last 12 months). 
  • A document from a New Zealand Electoral Office.

The following items can be either original or online versions:

  • A utility bill from your power, gas, water, land-line phone, SKY or internet service provider company
  • A New Zealand council rates notice/valuation.
  • A document from a registered New Zealand bank (for example but not limited to a statement, bank letter with credit or EFTPOS card, tax certificate, interest rate letter, advice of deposit or loan).
  • A document from a NZ insurance company that contains a unique policy or reference number. (This does not include quotes).
  • A document issued by a New Zealand Government agency.
  • A residential rental agreement.
  • A document from a New Zealand superannuation provider that has a unique customer or reference number.
  • A document from a current NZQA registered education provider.
  • A letter from your current employer on the employer's letterhead.

If you have recently arrived in New Zealand from overseas, you can also use the documents listed below:

  • A bank statement showing your overseas residential address.
  • A utility bill from your power, gas, water, landline phone, or internet service provider showing your overseas address.

Using a trusted referee to prove your ID and residential address

If you are unable to meet with us face to face, you can choose to have your identification and proof of address documents certified by an approved trusted referee. This option is only available for customers and trusted referees within New Zealand.

Certification must:

  • Include the name and signature of the trusted referee.
  • Include the date of certification.
  • Have been carried out in the 3 months preceding the presentation of the copied documents. 

The trusted referees must: 

  • Be at least 16 years of age.
  • Sight the original documentary identification.
  • Make a statement to the effect that the documents provided are a true copy and represent the identity of the named individual (true likeness where photo ID is used).
  • Specify their capacity to act as a trusted referee from the approved trusted referee list below.

Trusted referees must not be:

  • Your spouse or partner.
  • Related to you or living at the same address as you. 
  • A person involved in the transaction or business requiring this certification. (For example, if you visit your solicitor to set up a trust or register a mortgage you cannot use that same solicitor to certify your ID & proof of address documents. Another solicitor at the firm could be used as your trusted referee).

Certified copies of the original documents can be returned to the bank by you or the trusted referee via email, post or courier.

Who can be a trusted referee?

Approved trusted referees include the following:

  • Member of the police.
  • Justice of the peace.
  • Registered medical doctor.
  • Kaumātua (as verified through a reputable source).
  • Registered teacher.
  • Minister of religion.
  • Lawyer (as defined in the Lawyers and Conveyancers Act 2006).
  • Notary public.
  • New Zealand Honorary Consul.
  • Member of Parliament.
  • Chartered accountant (within the meaning of section 19 of the New Zealand Institute of Chartered Accountants Act 1996).
  • A person who has the legal authority to take statutory declarations or the equivalent in New Zealand.
  • Commonwealth representative (as defined in the Oaths and Declarations Act 1957).

ID requirements for other types of accounts

Accounts for a child under 13 years old

If you want to open an account for your child under 13 years old, you’ll need:

  • ID and proof of address for yourself as the parent(s) or guardian(s) in either of the ID combinations.
    Note: If you are the legal guardian of a child, you might need to supply additional documents as evidence of this.
  • ID for your child - their full birth certificate and any valid photographic ID for them (if held).
  • to bring your child with you when you come in to one of our stores.

Accounts for a child aged 13 years and over

If you want to open an account for your child (aged 13 years or over), you’ll need:

  • photographic ID (as per the standard ID options) and proof of address for your child.

If your child has no valid form of photographic ID, then as the parent(s) or guardian(s), you must provide:

  • your child's full birth certificate
  • proof of your identification and address as per the options outlined on this page
  • Note: If you are the legal guardian of the child, you might need to supply additional documents as evidence of this.

You'll also need to bring your child with you when you come in to one of our stores.

BNZ KiwiSaver Scheme applications for under 18 year olds

Applications for 16 and 17 year olds

Only one parent or guardian is required to prove their ID and address (as per the standard ID options) when they sign on behalf of an applicant.

Applications for under 16 year olds

All parents or guardians are required to prove their ID and address (as per the standard ID options) when they sign on behalf of an applicant.

Note: If you are the legal guardian of the child, you might need to supply additional documents as evidence of this.

Non-personal accounts

You’ll need ID for each person involved in the business (including you). You can use any one of the ID combinations required for a personal account

PLUS

identity documentation for the non–personal entity, such as:

  • company extract (including all shareholders and directors), company constitution (if you have one)
  • partnership agreement for partnerships
  • a trust deed for trusts
  • certificate of Incorporation, copy of rules for an incorporated society or charitable trust
  • meeting minutes for unincorporated societies, informal groups or clubs

We’ll also need to know if you and (if applicable) your controlling persons are tax residents in another country (or countries). If so, we need tax numbers or an equivalent for those countries. For further information see Confirm your Tax Residency.

Note: This documentation will vary depending on the type of non-personal entity.

Acceptable documentation for customers aged 65 and over

For customers aged 65 and over, we're able to use additional methods of verifying your name, date of birth, and address. Please refer to the list below for acceptable documentation if you're unable to meet standard ID and Address verification guidelines.

Your name can be verified using any of the following:

  • Expired photo identification e.g. driver licence and passport (can be expired more than 12 months).
  • Any correspondence issued by a New Zealand Government Department or any agency acting on the authority of the New Zealand Government (such as a District Health Board). This could include a letter from IRD or MSD, a hospital, a registered medical practitioner, or a SuperGold Card (with your name embossed).
  • If you're also a customer at another registered bank, an embossed bank card from the bank or the equivalent of a customer profile printed from that bank and confirmed as being accurate by one of their staff.
  • Birth certificate.

Your date of birth can be verified using any of the following:

  • Expired photo identification e.g. driver licence and passport (can be expired more than 12 months).
  • A letter issued by a manager within a rest home, a hospital or registered medical practitioner confirming your date of birth on their records.
  • If you're also a customer at another registered bank, the equivalent of a customer profile printed from the bank and confirmed as being accurate by one of their staff.
  • Birth certificate.

Your address can be verified using any of the following:

  • A letter issued by a manager within a rest home.
  • Any correspondence issued by a New Zealand Government Department or any agency acting on the authority of the New Zealand Government (such as a District Health Board). This could include a letter from IRD or MSD, a hospital or a registered medical practitioner.

Confirm your Tax Residency

As part of global measures to counter tax evasion, all NZ banks and financial institutions are now required to collect information about customers’ foreign tax residency and pass that and other personal and account information onto Inland Revenue, which may then be exchanged with overseas tax authorities.

Generally called the Common Reporting Standard, it has been initiated by the Organisation for Economic Co-operation and Development (OECD) under the Automatic Exchange of Information (AEOI) regime to achieve the exchange of certain information between participating countries. Currently over 100 countries have agreed to implement the standard, including New Zealand.

New Personal customers

From 1 July 2017, we'll ask you to complete a self-certification confirming:

  • Your country or countries of tax residence and corresponding tax number(s) or equivalent(s)
  • If you cannot supply your tax number(s) or equivalent(s), the reason why you can’t (for example: if the country does not issue tax numbers to its residents)
For more information, see the Common Reporting Standard Guide for Individuals

New Non-Personal customers

From 1 July 2017, we'll ask the entity to complete a self-certification confirming:

  • The entity’s country or countries of tax residence and corresponding tax numbers(s) or equivalent(s)
  • If you cannot supply the entity’s tax number(s) or equivalent(s), the reason why you can’t (for example: if the country does not issue tax numbers to its residents)
  • The entity’s status

If you represent a passive non-financial entity, we’ll also need a self-certification confirming the above tax residency information for all controlling persons of the entity.

Further information/documentation may be required to evidence the above (for example your passport with a NZ residency visa). If you do not provide this information to us we may not be able to open your account. We will contact you at a later date if we need any further information in respect of the above.

If you are unsure about your foreign tax residency or the foreign tax residency of your entity or controlling persons, or have any specific questions, we recommend that you contact a tax adviser or the relevant tax authority. BNZ is unable to give tax advice.

For more information, see the Common Reporting Standard Guide for Entities.

Need help? Contact us

If you'd like to check valid document types with us, please call 0800 269 5494.