ATM machines are installed outside most shops and banks in New Zealand, so you must get into the habit of carrying credit cards when studying in New Zealand. You can use international credit cards and ATM cards with four-digit PIN. Before leaving, students need to check with the bank to ensure that your PIN can be used in New Zealand. When you arrive in New Zealand, you should open an account in the bank, because this is the safest place to deposit cash. Most of the credit cards widely used for studying in New Zealand are Visa, MasterCard, DinerClub and AmericanExpress. The police advised international students to use credit cards instead of cash. Almost all the major banks in New Zealand provide international student services and provide Chinese service materials. Many banks also have foreign student business executives who can speak Chinese. Most banks want to know the "savings records" of students and their families in domestic banks. Students should bring bank deposit certificates and account certificates, such as bank statements, passports and documents certifying admission to New Zealand schools. Banks will charge customers for financial services (such as account management fees and transaction fees). Banks are generally open from 9: 00 am to 4: 30 pm from Monday to Friday, and are closed on Saturdays, Sundays and public holidays.