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Banking, tax and budgetingEditorial guide

Opening a bank account

What banks usually ask for, the choices to think about, and how to avoid paying unnecessary fees.

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Reviewed
21 Oct 2026
Next review
21 Oct 2027

What to bring

What banks usually ask for

  • Your passport and visa details.
  • Proof of your New Zealand address, or a letter from your education provider or accommodation.
  • Your IRD number (or let the bank know you’ve applied).

What to do next

Questions to ask

  • Are there monthly account fees, and are they waived for students?
  • What does it cost to receive money from Sri Lanka?
  • Can I start the process before I arrive?

Where to check the current rule

Where to check

Requirements and fees vary between banks and change over time. Check each bank’s own website for current details.

This is general, practical guidance written by Future Lane. It isn’t professional advice.