If you’re on a tight budget, try to save as much as you can before you leave, and stick to a budget while you’re away.
Check out the cost of flights, accommodation, and car hire. Estimate how much you’ll spend on food each day, and how much you’ll need for shopping, souvenirs, gifts and tourist attractions.
Be prepared to consider other options, such as a shorter break or a cheaper destination, if it means avoiding debt.
With Kiwibank you’ve got plenty of options when it comes to paying for things overseas.
Fees, including ATM fees and currency conversion fees may apply.
An unfortunate fact of life is that sometimes things can go wrong. Make sure you’re covered for emergencies while travelling, with protection from a good travel insurance policy. With our gold and platinum credit cards, you get free travel insurance, which could save you hundreds of dollars (conditions apply).
Familiarise yourself with the emergency number in the country you’re travelling in, and make copies of all your important documents. This will make it easier to replace them if they’re lost or stolen.
If you’re heading off on your OE, here are a few useful websites to help you out.
Working holiday schemes – Ministry of Foreign Affairs and Trade
Loaded™ for Travel cards
Loaded™ for Travel cards are issued by Kiwibank Limited. Download Kiwibank Limited’s Disclosure Statement (PDF 1.0 MB) or pick up a copy from your local Kiwibank. Loaded for Travel cards are only available for purchase by persons in New Zealand and are not offered to any person outside New Zealand (and by purchasing a Loaded for Travel card you represent to us that you are in New Zealand and not in any other jurisdiction). The Kiwibank “Loaded” names, logos and related trade marks and service marks are owned by Kiwibank Limited. Terms and conditions apply to the use of your Loaded for Travel card, and are available at loadedfortravel.co.nz.
All credit cards
Kiwibank is the issuer of the all credit cards. Lending criteria, terms and conditions and fees apply. Interest rates are subject to change.
Air New Zealand Airpoints Credit Cards
As well as Kiwibank’s terms and conditions, Airpoints Terms and Conditions apply. See airpoints.co.nz for details.
*Eligible purchases exclude fees or interest, balance transfers, credit card replacement insurance, gambling chips, money orders, travellers cheques or foreign currencies in cash, cash advances or cash withdrawals made from an ATM, or any transaction that is reversed, refunded or charged back.
Mastercard and the Mastercard brand mark are the registered trademarks and Contactless is the trademark of Mastercard International Incorporated.
Complimentary overseas travel insurance
Complimentary overseas travel insurance is arranged by Kiwibank and issued by Tower Insurance Limited and Tower Insurance Limited is solely responsible for any claim under the policy.
The Visa Debit Card is not available on all accounts.
Download Kiwibank’s Disclosure Statement (PDF 1.0 MB) or pick up a copy from your local Kiwibank.
When Kiwibank converts foreign currency into New Zealand Dollars, or converts New Zealand Dollars into foreign currency, Kiwibank makes money on the foreign currency conversion rates.