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AUSTRALASIA Lifestyle New Zealand Travel Advice

How to get a New Zealand IRD Number and Bank Account || Easy Step By Step Guide!

If you are planning to head to New Zealand with a working holiday visa, there are a few things you’ll need to sort out that will make your life much easier! One of those is an IRD number, which is the equivalent of a National Insurance number for us Brits. You won’t be able to get a job until you sort this out. Similarly, you’re going to need a NZ bank account for your wages to be paid into. This is worth sorting out sooner rather than later or you’ll end up spending a fortune if you are withdrawing cash with an overseas card.

People often have a problem with registering for these two things due to proof of address, as you need this for both. Most of you will be travelling with no permanent address, so how do you get around this??

I’ll explain step by step what we did to get our bank account and IRD number quickly and easily!

new zealand ird number and bank account

new zealand ird number and bank account

BEFORE YOU GET TO NEW ZEALAND

You don’t actually have to do this part before you arrive in New Zealand, but we wanted to get our bank account up and running as soon as possible. By setting a few things up before we arrived, we were able to walk away with a bank card on day one. Pretty efficient!

We did a bit of research and decided that ANZ was the best bank for what we wanted. Speaking to others, it seems a popular choice with backpackers and those on a working holiday visa. In addition to the debit card (which can be used chip & pin or contactless), you get a migrant pack which includes a SIM card and a few discount vouchers.

1.) APPLY FOR AN ACCOUNT

If you head over to the ANZ website there is a green button saying ‘open an account’. Click on this and fill out the three pages with your details. We went for a ‘Go’ account which allows online banking, an online savings account and a contactless feature so you don’t have to put your pin in the machine.

A bit further down it asks ‘

On the last page, accept the Ts&Cs and submit! You’ll then receive an email from the bank, asking for a few more details. I had to let them know how long I intended to stay, plus send a copy of my passport and visa.

2.) ARRANGE AN APPOINTMENT

Once you have sent off the extra information, you will receive an email confirming that your account has been opened. They will then advise you to make an appointment in whichever branch you’ll be nearest to when you land in NZ. They’ll also ask if you want the migrant pack – this is free, say yes! This is all done over email and we were able to set up an appointment for our first day. Although your account is set up at this point, it’s not verified until you go into branch. You will have all the account details at this point, so you can transfer money into it, you just won’t be able to take it out until the account is verified. To make life easier for the IRD number later on, it’s worth putting some money into the account.

3.) TRANSFER MONEY INTO YOUR ACCOUNT

If you want to put money into your account before you arrive, especially if your money is in another currency, the best thing to do is use a transfer company. I used TransferWise to transfer a few thousand English pounds into New Zealand dollars, with very little charges. It was very easy to use and the money was in my New Zealand account within 48 hours!

To get your first £500 (or equivalent) FREE, click here 🙂

WHEN IN NEW ZEALAND

1.) VERIFY YOUR ACCOUNT

The only thing you need to do when you arrive is go along to your prearranged appointment. You will need to bring with you:

  • Proof of address
  • Proof of ID (passport)
  • Copy of your visa

For the proof of address, we simply booked one night in a hotel (the night before our appointment) and asked them to print a receipt showing the address and dates. This was accepted as our NZ address. For the visa, just print off a copy of the immigration confirmation email.

The appointment takes around half an hour. They will set everything up for you in store, give you your migrant pack with the SIM card and help you set up the online banking app on your phone. After that, you are good to go! 🙂

new zealand ird number and bank accountnew zealand ird number and bank account

It’s pretty tricky to sort this out before you get to New Zealand, and to be honest there isn’t much point. You’ll need your bank account set up first, so it makes sense to tackle the IRD number once you arrive. After you have your bank account sorted, head down to the nearest post office and grab a form from behind the counter.

You will need:

  • One completed application form
  • Photocopy of your passport – I asked nicely in the post office and as they weren’t too busy, they did it mine for free
  • Copy of your visa
  • Your Immigration NZ Visa Application number – You’ll find this on your visa approval letter
  • Proof of your bank account – This needs to be a recent, stamped bank statement showing that money has gone in and out of the account. So, before you apply, make sure you put some money in your new account (if you haven’t already) and make a cash withdrawal. Afterwards, go into any ANZ bank and they can print off a statement and stamp it for you.
  • Your Taxpayer’s Identification Number – You need to show proof if you have ever had a job and paid tax before in your home country. For us Brits, this is your National Insurance Number.
  • Proof of address – We used our bank statement for this as well, which showed us to be registered to the address of the hostel we stayed in on the first night.

The guy we dealt with in the Post Office was very helpful. He reviewed all our documents and made sure we had everything we needed before he sent it off. It’s free to send off – they will put all the documents in the post for you. You can apply online, but I’d recommend applying in a Post Office as they can check the documents for you and make sure you have everything you need. There is a part of the application form which asks how best to contact you. We selected by phone and received a text confirming our IRD number around a week later.

new zealand ird number and bank accountSo that’s it! I hope this guide is useful for any of you wondering how to set up a New Zealand IRD number and bank account 🙂 Let me know in the comments if you have any questions!

Happy travels,

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bank accountIRD numbernew zealandtravelworking holiday visa
9 Comments
By thewildlife
thewildlife

Full time vegan explorer travelling indefinitely from Aug 2016. Follow my adventures to see how long I can stay on the road for and what vegan goodies I find along the way! ☀❤

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9 Comments

  • Reply
    Guillermo
    July 10, 2017 at 7:34 pm

    Hey guys

    Thanks for the info, it was very helpfull!! I´ll be arriving from Peru to NZ in september on a WH visa for a year and just had one question regarding the bank account. How did you manage to transfer money to ANZ before arriving? In what currency did you send your money? I have USD available but im not sure if they will allow a international transfer in something other than NZD.

    Thanks!!
    Guillermo

    • Reply
      thewildlife
      July 11, 2017 at 8:59 am

      Hey Guillermo!

      Glad you found the information useful 🙂 If you set the account up with ANZ before you arrive in New Zealand, you will be able to transfer money into the account (but not take any out until you arrive).

      The best way to transfer money is through a company like TransferWise – you can add USD (or any other currency) and they will transfer it to NZ dollars into your ANZ account. There is a small charge but it’s much cheaper than other options! If you go to https://transferwise.com/u/alysb you can transfer your first £500 (equivalent) for free 🙂

      Hope this helps!

      Alys

  • Reply
    Claire
    October 19, 2017 at 10:13 pm

    Hello, great little article here! Thank you! One question, do you need proof of your NI number or just need to know it? Thanks 🙂

    • Reply
      thewildlife
      October 20, 2017 at 6:57 am

      Hey! Thank you 🙂 When I applied for mine, I just needed to know my NI number so I could write it on the form. As far as I’m aware this is still the case!

  • Reply
    Keats
    May 2, 2018 at 5:27 am

    This doesn’t seem to be accurate anymore. Looks like they want you to come in and set things up before you even get an account to transfer money into.

    • Reply
      thewildlife
      May 14, 2018 at 4:59 am

      Hi Keats, not sure exactly what you are referring to but as far as I am aware, you still need a bank account sorted before applying for the IRD when in New Zealand? If you have anymore info, feel free to let me know so I can update the page! 🙂

  • Reply
    Mohana
    October 2, 2018 at 3:01 am

    Hi, May I know what is the migrant package about? They will provide a free sim card for our mobile phone?

    • Reply
      thewildlife
      October 11, 2018 at 2:27 am

      Hi there, I didn’t do the migrant package so I’m not sure, sorry!

  • Reply
    Seren
    December 3, 2018 at 11:04 pm

    Hello,

    Thank you for this article it has been very useful and informative. I’ve had my hotel print a tax invoice with their address on it and date, however it also has my uk address on it as well and I was looking to know whether you think they would accept it as proof of address.

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    I'm Alys, a full time explorer and veggie food blogger :) I've just finished working my way overland from Europe to Hong Kong (via Russia, Mongolia & China) and am now travelling around New Zealand! Come join the adventure....

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