New Account Application (New Zealand) 2026

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  1. Click ‘Get Form’ to open the New Account Application in the editor.
  2. Begin with Part A: Business Information. Fill in your trading name, registered business name, and address as per the NZ Companies Office. Ensure all fields are completed accurately.
  3. In Part B: Ownership Information, list all owners with at least 10% ownership. Provide their names and ownership percentages.
  4. Proceed to Part C: Contact Information. Enter the primary contact's title, phone number, fax number, and email address. Select your preferred means of contact.
  5. In Part D: Official Authorisation, designate individuals authorized to make international payments. Include their names, dates of birth, signatures, and applicable authorisation levels.
  6. Complete Part E: Payment Needs by detailing your industry type, payment currencies required, anticipated payment volume, and services needed.
  7. Finally, review the Declaration section carefully before signing to confirm all information is correct and submit your application.

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BNZ is by far the easiest to get started with (as someone else noted, they have a migrant banking service which allows you to signup prior to arriving), and their app is the best of the 4 main banks in NZ.
Some banks allow you to open a bank account from your home country, although this may depend on your visa and when you will arrive. Check with your preferred bank. You may need an Inland Revenue (IRD) number to open an account. You can transfer money into your new account before you arrive in New Zealand.
Opening a bank account in New Zealand is possible for foreigners, but comes with some challenges. As you now know, most banks require you to hold a visa they deem valid and you usually need a local address and some supporting documents to get started.
Apply for a New Zealand bank account from overseas If your application is successful, youll get an email and text with your Internet Banking login details within 5 business days. When you arrive in New Zealand, you can activate your account by visiting any BNZ branch and picking up your card.
Youll need a valid New Zealand passport or New Zealand driver licence. Take a clear photo of yourself and your ID with a smartphone. If you started your application on a desktop computer, youll be shown a QR code to scan with your smartphone. Youll need to enter your contact details including your NZ address.

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If youre immigrating to New Zealand, or coming home to Aotearoa, you can apply online to open a New Zealand bank account while youre still overseas and then activate it when you arrive.

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