Join Kiwibank

When you join Kiwibank, you’re joining a million other Kiwis and local businesses who are banking on New Zealand.

Begin your Kiwibank journey

 
 
 
 
 
 
 
I'd like an account for

Joining online is the easiest option if you:

  • Are over 13 years old

  • Live in New Zealand

  • Are eligible to work or study in New Zealand

  • Have a New Zealand mobile phone number

Here's how:

  • If you're new to Kiwibank, fill in our online application form by clicking on the button below. If you're already a Kiwibank customer, you can log in to internet banking to open a new account.
  • If you don’t have an account with us yet, and you don’t already have a RealMe verified identity, we’ll need to verify your identity and address. Once you’ve filled in our application form, just pop into a branch with some ID and proof of address.
  • Once you've been verified we can give you a Visa Debit or EFTPOS card. If you've ordered a personalised card, or if you've been verified at a selected service branch, we'll send your card to you in the post following your visit.

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

Joining in branch is the easiest option for you

Here’s how:

  • Give us a call on 0800 523 523 to make an appointment at your nearest 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 some ID and proof of address to your appointment.
  • Once you've been verified we can give you a Visa Debit or EFTPOS card. If you've ordered a personalised card, or if you've been verified at a selected service branch, we'll send your card to you in the post following your visit.

You can also join over the phone

Here’s how:

  • Give us a call 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, and you don’t already have a RealMe verified identity, we’ll need to verify your identity and address. Just pop into a branch with some ID and proof of address.
  • Once you've been verified we can give you a Visa Debit or EFTPOS card. If you've ordered a personalised card, or if you've been verified at a selected service branch, we'll send your card to you in the post following your visit.

Joining in branch is the easiest option for kids under 13

Here’s how:

  • Give us a call on 0800 523 523 to make an appointment at your nearest Kiwibank. Since your child’s account will be linked to yours, we’ll need to set up profiles for both of you (unless you already have an account with us).
  • We’ll need to verify you and your child's identity, address, and that you are the child’s parent or legal guardian. Please bring some ID, proof of address, and proof of your relationship, such as an original birth certificate, court order or letter from Oranga Tamariki - Ministry for Children to your appointment.
  • Once we’ve set up your child’s account, their card and account access will depend on their age.

You can also help them join over the phone

Here’s how:

  • Give us a call on 0800 523 523 to chat about your child’s account requirements and set up their customer profile. Since your child’s account will be linked to yours, we’ll need to set up accounts for both of you (unless you already have one).
  • Once we’ve set up their profile, we’ll email you a form to complete on your child’s behalf. Send back the completed form with proof of your relationship, such as an original birth certificate, court order or letter from Oranga Tamariki - Ministry for Children.
  • We’ll need to verify you and your child's identity and address. Please bring some ID and proof of address to your nearest Kiwibank.
  • Once we’ve set up your child’s account, their card and account access will depend on their age.

Joining online is the easiest option if you:

  • Are over 13 years old

  • Live in New Zealand

  • Are eligible to study in New Zealand

  • Have a New Zealand mobile phone number

Here's how:

  • Click the Join online button below to fill in our online application form. You can do this for yourself, or get some help from your parent or guardian. You’ll get an access number, which you should hang on to.
  • Once you’ve filled in the form, we’ll call you to discuss which account(s) are right for you, and to set up your internet banking and mobile app. We’ll also send you an email with a form we’ll need your parent or guardian to fill in. When it’s complete, email it back to us along with proof of your relationship between your parent or legal guardian, such as an original birth certificate, court order or letter from Oranga Tamariki - Ministry for Children.
  • We’ll need you to visit your nearest Kiwibank to verify your identity and address.
  • Once everything is complete, we can give you an EFTPOS card, and you can open other accounts. If you are 15 or over we can also set you up with a Visa Debit Card.

Other ways for you to join

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

Here’s how to join in a Kiwibank branch:

  • Give us a call on 0800 523 523 to make an appointment at your nearest Kiwibank.
  • While you don’t need parental permission to use your account, we will need your parent or guardian to provide some information for you to open your account. Bring them along to your appointment to help complete the procces.
  • We’ll need to verify your identity, address, and proof of your relationship between your parent or legal guardian. Please bring some ID, proof of address, and proof of your relationship, such as an original birth certificate, court order or letter from Oranga Tamariki - Ministry for Children to your appointment.

Here’s how to join over the phone:

  • Give us a call on 0800 523 523 to talk about your account needs and to set up your internet banking and mobile app.
  • We’ll also send you an email with a form we’ll need your parent or guardian to fill in. When it’s complete, email it back to us along with proof of your relationship between your parent or legal guardian, such as an original birth certificate, court order or letter from Oranga Tamariki - Ministry for Children.
  • If you don't have a RealMe verified identity, we’ll need you to visit your nearest Kiwibank to verify your identity and address.

Once we've set up your accounts, we can give you an EFTPOS card, and you can open other accounts. If you are 15 or over we can also set you up with a Visa Debit Card.

Moving to New Zealand or planning to be here temporarily?

We can help set you up with an account that you'll be able to use once you arrive in New Zealand. You'll need to hold an appropriate working or study visa for New Zealand. Australian permanent residents and citizens don't require a working visa in New Zealand.

Here’s what we need to sign you up:

Send these documents to migrant.banking@kiwibank.co.nz:

  • A completed Migrant banking application form (PDF 208.3 KB)
  • A certified copy of your passport. A certified copy is a photocopy stamped or signed by an acceptable certifier confirming it's a true copy of the original, and that the photo is a true likeness of you. The Migrant banking application form (PDF 208.3 KB) has a list of acceptable documents and certifiers and who can certify them
  • A certified copy of your proof of your residential address in your home country
  • A completed Overseas tax declaration (PDF 94.5 KB)
  • Depending on whether you will be studying or working we’ll also need either the relevant visa that entitles you to work in New Zealand or, your student visa and proof of your enrolment in a New Zealand educational facility.

Here’s what happens next:

Once you’ve sent in your completed application form, with the correctly certified documents, we’ll email within one to two business days to let you know:

  • Your account details
  • Information on how to send international payments to your new Kiwibank account before you arrive
  • Instructions on how to set up internet banking
  • Where to find your nearest Kiwibank branch, so we can set up an appointment for you to activate your accounts once you arrive in New Zealand. Once we've verified your identity and address in a Kiwibank branch, you'll be able to withdraw money from your account.

If you need help or more information please email migrant.banking@kiwibank.co.nz. We also have a number of staff who speak different languages and may be able to help you in your preferred language.

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.

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 with our online application form.

Apply online or talk to an expert

Credit Cards

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

Apply online

Investments

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

Apply online

Personal loans

Use our online application form and we’ll get back to you within 24 hours in most cases (excludes Sunday).

Apply online

Talk to our experts

Need some extra help with your options? We've got experts to help you with your banking and investing needs.

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