ATM machines are installed outside most shops and banks in New Zealand, so you must get into the habit of taking credit cards when you are studying and living in New Zealand. International credit cards and ATM cards with four-digit PIN can be used. Before leaving, students need to check with the bank to make sure that your PIN can be used in New Zealand. After arriving in New Zealand, you should open an account in a bank, because this is the safest place to keep cash.

most credit cards are widely used in studying in new Zealand, such as Visa, MasterCard, DinerClub card and AmericanExpress. The police advised international students to use credit cards instead of cash.

Almost all major banks in New Zealand offer overseas students services and provide Chinese service materials. Many banks also have Chinese-speaking foreign student business executives. Most banks want to know the "savings records" of students and their families in domestic banks. Students should bring proof of bank deposit and proof of account, such as statement, passport and documents proving admission to New Zealand schools. Banks will charge customers for financial services (such as account management fees and transaction fees). Generally, banks are open from 9: am to 4: 3 pm from Monday to Friday, and are closed on Saturdays, Sundays and public holidays.