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Join Kiwibank

When you join Kiwibank, you’re joining a million other Kiwi including local business owners who are banking on New Zealand. This is Kiwi backing Kiwi.

Switching is easy

  1. 1

    We're committed to Kiwi

    As a Kiwi bank, we’re focused on backing local and supporting Kiwi, contributing to a stronger community and economy. We have the everyday banking accounts and services you need, and when you're ready, we have home loan specialists to help get you into your home.

  2. 2

    We'll help you get set up

    We can work with you to help close your old accounts and transfer your funds - this is also a good time to let your employer know your new Kiwibank account details. We can bring over your existing payments, including direct debits and automatic payments for you.

  3. 3

    Make the switch

    Open an account to make the switch. The easiest way to open an account is online. Check below to see if you meet the criteria and get started on your Kiwibank journey.

Begin your Kiwibank journey
I'd like an account for

Joining online is the easiest option if you:

  • Are aged 13 and over

  • Live in New Zealand

  • Are eligible to work or study in New Zealand

  • Have a New Zealand mobile phone number

  • Haven't previously banked with Kiwibank

Here's what to expect

  1. 1

    Complete the online form

    If you're new to Kiwibank, fill in our online form which takes around 10 minutes to complete.

  2. 2

    Verify it's you

    When you've completed the online form, you'll need to verify who you are. You can do this from anywhere using your smartphone. Otherwise you'll need to book an appointment at your nearest Kiwibank and take in some ID and proof of address.

  3. 3

    Start using your accounts

    Once you've been verified, you'll be able to do all the things you'd expect, like accessing money from your account and ordering a Visa Debit or EFTPOS card.

  4. 4

    Switch to Kiwibank

    We can help with switching all your accounts, moving your regular payments and arranging to close your accounts from your current bank.

If you’d rather have one of our banking specialists give you a hand, call us on 0800 523 523 to start the process over the phone or book a time at your nearest Kiwibank.

If you're an existing Kiwibank customer and you'd like to open a new account, log into internet banking or the mobile app and click on 'Apply & Open', or call us on 0800 113 355.

Joining over the phone is the easiest option

Here’s how:

  • Call us on 0800 523 523 to start the process over the phone. Since you're opening an account for two people, we'll need to speak with both of you.
  • If you don’t have an account with us yet, we’ll need to verify your identity and address. If you're new to Kiwibank, you may be able to verify yourself using ID Checker on your smartphone or make an appointment at your nearest Kiwibank branch or Local for Kiwibank and bring some ID and proof of address.
  • Once you've been verified, you can start taking advantage of all the great benefits your new account offers.

You can also join in branch

Here’s how:

  • Before heading into a branch, you'll need to make an appointment by calling us on 0800 523 523 to make an appointment at your nearest Kiwibank or Local for Kiwibank. Since you’re opening an account for two people, we need to see both of you in branch.
  • We’ll need to verify your identity and address. Please bring your ID and proof of address to your appointment.
  • Once you've been verified, your new account set up is complete.

Give us a call to get started

Here’s how:

  • Call us on 0800 523 523 to get your child's account set up or to make an appointment to do this in your nearest Kiwibank. Since your child's account will be linked to yours, we'll need to set up a profile for you as well (unless you already have one).
  • Before your child can use their new account, we'll organise a time for to visit nearest Kiwibank or Local for Kiwibank. During this visit, you'll verify you and your child's identity and address, and that you're the child’s parent or legal guardian.
  • Please ensure you bring your ID and proof of address as well as proof of relationship, such as an original birth certificate, passport with the same surname, court order or letter from Oranga Tamariki - Ministry for Children to your appointment.
  • Once we've set up your child's account, you’ll be able to see their account in internet banking or the mobile app. The types of things they can access will depend on how old they are.

Opening an account before you arrive is the easiest option if you:

  • Are aged 18 and over

  • Hold a Work, Student or Resident Visa

  • Are arriving in New Zealand within the next two months (60 days)

  • Want to deposit New Zealand dollars before you arrive

Account opening criteria, terms and fees apply. Details of our fees can be found in our Fees & Limits brochure.

Have a business or starting a business?

Whether you're starting a business, a non-profit organisation, looking at new opportunities, or you’re after detailed advice, we’ve got the right people in the right places to help you with your business ambitions. We've also pulled together a handy break down of what you'll need to open a business account.

Some of our services don't require you to open an account with us first.

Home loans

Whether you’re applying for a new home loan, looking to move your home loan or topping up your existing loan, you can start by talking to one of our home loan specialists.

Talk to a home loan specialist

Credit Cards

You can apply for a credit card online, over the phone or at your nearest branch.

Apply online


If you’re keen to build your nest egg with a savings or investment account, you can apply using our online form.

Apply online