How it works

  • We’ve got a range of everyday accounts that you can apply to open, including our Free Up account that carries no transaction fees.
  • Please note that while you'll be able to deposit money into any Kiwibank account(s) you set up before you arrive, you won't be able to withdraw or transfer money between any account(s) until you're in New Zealand and have activated your account(s). If you don't use and/or activate your account(s) in New Zealand within six months, then they’ll be closed and any money that has been deposited will be returned to the account it came from.

What you’ll need to do

  1. Complete the Migrant banking application form. (PDF 196.3 KB)
  2. Provide a certified copy of your passport.
  3. Provide a certified copy of your proof of your residential address in your home country (please see the Migrant Application form for a list of acceptable documents and certifiers).
  4. Complete your Overseas tax declaration (PDF 94.5 KB).

Please email a scanned copy of these documents to us at:

Next steps

Once we’ve received all your documents we’ll send you a confirmation email. This email will contain:

  • Information you'll need to send international payments to your new Kiwibank account before you arrive.
  • Instructions on how to set up your Kiwibank Internet Banking.
  • Information to locate your nearest Kiwibank so that we can organise an appointment for you to activate your accounts for use once your arrive in NZ.

Got any questions or need more information? Just flick us an email at


How long does it take to set up an account?

Once you’ve submitted your completed application form and correctly certified documents we’ll reply within 1-2 business days with your new account details! We’re super quick! But to make sure that everything isn’t left to the last minute we recommend getting in contact with us at least 2 weeks prior to your arrival in NZ so that we can make sure that all your documents are in order.

Can I access any money that I deposit in to my Kiwibank Account before I arrive in NZ?

No, any money that’s deposited can only be accessed once you arrive and your accounts have been activated at your appointment.

What types of accounts can I set up?

Everyday accounts:

Free Up Account - A great value online account

Now account - A cheque account with low fees

Can I set up a joint account?

Yes but please ensure that each account holder fills in a separate Migrant Application form. You are welcome to use a joint proof of address if the document is addressed to you both.

If you’re intending to make your account joint once you arrive in NZ please keep in mind that the other joint account holder will need to provide proof of their NZ address which could be difficult to provide when they’ve only just arrived in the country. For this reason we recommend that you both get fully set up before you arrive.

Also, if you’re not arriving at the same time you may want 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 NZ.

Can I get an overdraft, credit card, or home loan with Kiwibank if I’m not an NZ Citizen or Permanent Resident?

In most cases Kiwibank doesn’t lend to non-Permanent Residents but we assess applications on a case by case basis. Please let us know if you’re going to be in NZ long term and you’d like to discuss your lending options with us, and we’ll be happy to meet with you once you’re in NZ.

Can I set up a savings or investment account?

You’ll need to be in NZ before we can set you up with a savings or investment account. Once you arrive, get in touch with us and we’ll be happy to discuss your options with you.

How long before I plan to arrive in New Zealand can I get accounts set up?

We can set up your accounts up to six months prior to your arrival in New Zealand.