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Should I exchange money before travelling to New Zealand?


In Money and Credit Cards

You only need a small amount of cash for your arrival, such as for a taxi or coffee.

The best strategy:

  • Use cards: Contactless payments are standard everywhere. You can pay for almost everything with your phone or card.
  • Withdraw on arrival: ATMs in New Zealand usually offer better value than purchasing NZD cash overseas.
  • Travel money cards: Apps like Wise or Revolut are reliable for everyday spending and help you avoid high bank fees.

Note on "Swedish Rounding":

  • New Zealand does not use 1, 2, or 5 cent coins.
  • Cash payments: The total is rounded to the nearest 10 cents (e.g., $1.94 becomes $1.90, while $1.96 becomes $2.00).
  • Card payments: These are not rounded. You are charged the exact amount.
Curious lamb looking into the camera on a sheep farm in New Zealand

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Kick off your South Island journey with a Christchurch self-drive holiday. Choose a set itinerary or shape a route that fits your style — car hire and quality stays included.

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Frequently asked questions

Using a debit card for your rental bond can affect how much spending money you have available during your trip.

The Key Differences:

  • Debit cards: Rental companies often deduct or ring-fence the full bond amount from your bank balance. You cannot access this money until it is released after the vehicle is returned. Processing times vary by bank and can take several business days to clear.
  • Credit cards: Most rental companies place a temporary hold on your credit limit rather than withdrawing funds. Your cash remains available while you travel.
  • Acceptance: Some rental providers in Aotearoa New Zealand do not take debit cards for vehicle bonds or require additional insurance when using one. Always check the payment terms before booking.

Our self-drive packages offer a range of rental car options to suit different preferences and group sizes. Common options include economy cars, sedans, SUVs, campervans, and 4WD vehicles. Choose a car that best fits your needs in terms of size, comfort, and terrain suitability.

Important: Most retail banks in Aotearoa New Zealand no longer exchange foreign currency. Please do not rely on bank branches for this service.

Where you can exchange money:

  • ATMs (Recommended): The easiest way to get NZD is to simply withdraw it from an ATM using your international card. This usually offers a better exchange rate than swapping physical notes.
  • Bureau de Change Kiosks: You can exchange foreign notes at specialized kiosks (e.g., Travelex or Travel Money NZ) found at international airports and in major city centres.
  • Hotels: Some large hotels may exchange small amounts for guests, though the exchange rates are typically poor compared to ATMs.

Absolutely, Train Journeys in New Zealand present travel packages that seamlessly integrate train journeys with diverse activities and accommodations. These all-encompassing packages frequently encompass stays in various destinations, guided tours, and activities that harmonize with the train experience. This approach facilitates exploration of different facets of New Zealand while benefiting from thoughtfully designed travel plans. To delve into these offerings, check our website or connect with our Reservations team for detailed information and bookings.

Answer: Traveller’s cheques are no longer accepted in Aotearoa New Zealand.

Banks, currency exchange counters and retailers do not cash or exchange them, so they are not a valid option for spending money.

What you should bring instead:

  • Credit and Debit Cards: Visa and Mastercard work in most places.
  • Travel Cards: Multi-currency cards such as Wise or Revolut are popular for low-fee spending.
  • ATMs: You can withdraw New Zealand Dollars (NZD) from ATMs using your international bank card.

Traveling during the shoulder and low seasons (April to May and September to October) offers fewer crowds, lower costs, and pleasant weather, making it an excellent alternative to the busy summer months.

To travel to New Zealand, you must have a valid passport that meets New Zealand's entry requirements. Australian and New Zealand passport holders generally only need a passport valid for the period of their stay, while most other travellers should have a passport valid for at least three months beyond their intended departure date. Always check the latest requirements before you travel.

How Long Does My Passport Need to Be Valid for New Zealand?

Passport validity requirements depend on your nationality and immigration status.

Australian and New Zealand passport holders, along with New Zealand residents and eligible Australian permanent residents travelling under current travel arrangements, generally need a passport that is valid on the date they enter and leave New Zealand.

Most other international visitors, including tourists, students and temporary workers, should have a passport that is valid for at least three months beyond their intended departure date from New Zealand. However, travellers from countries with diplomatic or consular representation in New Zealand that can issue or renew passports may, in some cases, only need a passport that is valid for one month beyond their intended departure date.

Do Australian Citizens Need a Passport for New Zealand?

Find out here whether Aussies need a passport to enter New Zealand and ensure yours is valid and in good condition before travelling.

What Condition Does My Passport Need to Be In?

Your passport should be in good physical condition and free from significant damage. A passport that is torn, water damaged, excessively worn, altered or missing pages may not be accepted for international travel.

If your passport is damaged or close to expiring, contact your passport issuing authority before making travel arrangements.

Do I Need a Visa as Well as a Passport?

Passport and visa requirements are separate, so make sure you meet both before departing for New Zealand.

Where Can I Check the Latest Passport Requirements?

Passport and entry requirements can change, so it is always best to confirm the latest information with the IATA Travel Centre before travelling.

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