Is it better to use a debit card or credit card for cash withdrawals?

Debit cards (or travel money cards) are almost always the better option for withdrawing cash.

Here is why:

• Avoid Cash Advance Fees: If you use a credit card at an ATM, your bank will likely charge a "Cash Advance Fee" and start charging high interest immediately. Avoid this unless it is an emergency.
• Debit & Travel Cards: Using a debit card or a multi-currency card (like Wise) usually incurs lower fees.
• Watch the ATM Fee: Independent ATMs in convenience stores often charge an extra NZ$3 to NZ$5 per transaction. Stick to major bank ATMs (ANZ, BNZ, Westpac, ASB, Kiwibank) where possible to avoid these third-party surcharges.