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If you’re coming to study or work in New Zealand, you can open an account before you make the move.
You need to hold an appropriate study or work visa for New Zealand. Australian citizens and permanent citizens don’t need visas.
You can set up your account before you get here. You have 180 days (six months) after opening your account to arrive in New Zealand and activate your account.
You can set up a joint account, but each account holder will need to fill in a separate migrant banking application form (PDF 208.3 KB). If you’re planning to make your account joint once you arrive in New Zealand, please bear in mind that the other joint account holder will need to provide proof of their New Zealand address, which could be difficult if they’ve only just arrived in the country.
If you’re not arriving at the same time, it might be a better idea to set up an individual account that can be activated first and a joint account that can be activated later, once you’re both in New Zealand.