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Before you go: getting ready
Many banks let you start online, but some people prefer to visit a branch. You can phone or check the bank's website first to ask what you need to bring. Banks usually ask for some kind of photo ID and something that shows your address. Requirements can change, so ask the bank, not a friend. Write down your questions before you go. This helps if you feel nervous. You can also ask if you need an appointment or if you can just walk in.
Hi, I'd like to open a bank account. What do I need to bring?
Do I need to make an appointment, or can I just come in?
Can you send me a list of the documents, please?
At the branch: starting the conversation
When you arrive, there may be a person near the door who helps you. Tell them why you are there. They might ask you to wait or to sit down with a staff member. It is normal to feel a little shy. Smile, speak slowly, and say if you are new to the country. Staff often help newcomers and are usually patient. If they speak too fast, it is fine to ask them to slow down.
Hello, I'm new to New Zealand and I'd like to open an account.
Sorry, could you speak a bit more slowly, please?
I have an appointment with someone at ten. My name is Ana.
Choosing an account
The staff member may explain different types of accounts. Some are for everyday spending, and some are for saving. They may also talk about fees, cards and online banking. You do not have to decide quickly. Ask them to explain anything you do not understand. You can take brochures home and think about it. This guide cannot tell you which account is best for you, but asking clear questions will help you choose.
Can you explain the difference between these accounts?
Are there any fees for this account?
Can I take some information home and decide later?
Questions they might ask you
The bank will probably ask you some personal questions. These might be about your address, your work or study, and where your money comes from. They may also ask about tax details. This is a normal part of opening an account. If you do not understand a question, ask them to say it another way. If you do not have some information yet, tell them honestly and ask what to do next.
Sorry, I don't understand. Could you say that in a different way?
I don't have that information yet. What should I do?
Can you tell me why you need this information?
Finishing up: cards and online banking
At the end, the staff member may help you set up online banking or a phone app. They might also tell you when your card will arrive. Before you leave, check you know how to contact the bank if there is a problem. Ask for a business card or the best phone number. Repeat the important steps back to them. This helps you check that you understood correctly.
When will my card arrive, and how will I get it?
Can you help me set up the app before I leave?
So, just to check, I need to activate the card when it comes. Is that right?
Common questions
Can I bring a friend to help with English?
Many people bring a friend or family member for support. You can ask the bank first if this is okay. Some banks may also offer help in other languages, so it is worth asking when you book.
What if I don't understand something they say?
Just ask. You can say, "Sorry, could you explain that again?" or "Can you write that down for me?" Staff hear these questions often. It is better to ask than to agree to something you don't understand.
Do I have to decide on the same day?
Usually you can take time to think. You can say, "I'd like to think about it first." Take information home, read it slowly, and come back with questions when you are ready.