Foreign currency can be exchanged at banks, airport exchange services, and specialist currency exchange providers throughout New Zealand. Many travellers choose to exchange money at one of New Zealand's major banks, which have branches in most cities and larger towns.
While credit and debit cards are widely accepted throughout New Zealand, some travellers prefer to carry a small amount of New Zealand cash during their trip.
If you need to exchange foreign currency after arriving, there are several convenient options available.
Where can I exchange money in New Zealand?
Most visitors exchange money at:
- Bank branches
- Airport currency exchange services
- Specialist foreign exchange providers
New Zealand's major banks include:
- ANZ
- ASB
- BNZ
- Kiwibank
- Westpac
Branches can be found in most cities and larger towns throughout the country.
Are bank exchange rates different at the airport?
Generally, no.
When using the same bank, exchange rates are typically consistent across its branches, whether you're exchanging money at the airport or in the city centre.
The convenience of exchanging money immediately after arrival can make airport locations a practical option for many travellers.
What are bank opening hours?
Most bank branches are open:
- Monday to Friday
- During standard business hours
Many branches are closed on weekends and public holidays, so it's worth planning ahead if you need to exchange cash outside normal trading hours.
Do I need to exchange a lot of cash?
Usually not.
New Zealand is largely a cashless society, and most businesses accept credit cards, debit cards, and contactless payments.
Many travellers find that carrying a small amount of cash for occasional purchases is all they need.
Is it better to exchange money or use my card?
For many visitors, using a credit or debit card is the easiest option.
Cards are accepted at most:
- Restaurants
- Cafés
- Petrol stations
- Hotels
- Retail stores
- Tourist attractions
Before travelling, check with your bank about any overseas transaction or currency conversion fees that may apply.
Need Help Planning Your New Zealand Holiday?
If you have questions about budgeting, currency, or planning your trip, our travel specialists are happy to help.
For personalised advice, contact our team.