NewBee · Life admin in New Zealand, explainedKia ora, welcome

In your first week in New Zealand, apply for an IRD number, open a bank account, give your employer an IR330 tax code form when you start work, and save the emergency numbers. In your first month, enrol with a GP, check that your rental bond has been lodged, check how long you can drive on your overseas licence, and apply for a RealMe verified identity. Families with children should also enrol them in school and check whether they can get Working for Families. Each step links to a verified guide and the official source.

An IRD number is your personal tax number in New Zealand. You use it for all your tax matters, and it stays the same for life. You need one if you earn income in New Zealand. Applying is free. If you have just arrived on a visa, you can use the simpler 'new arrival' process and usually get your number within 2 days.

When you first arrive in New Zealand, you can drive on your overseas licence, but only for a limited time. If you want to keep driving, you need to convert it to a New Zealand licence. Important: from 1 November 2026, new arrivals can drive a car on an overseas licence for 12 months instead of 18 months. Licences from some countries need a theory test and a practical driving test to convert. Check whether your country is one of them.

If you have dependent children, you can apply to Inland Revenue (IRD) for Working for Families payments. There are four main types: family tax credit, in-work tax credit, minimum family tax credit and Best Start. How much you get depends on your family income and how many children you have. You must also meet residence requirements.

Best Start is part of Working for Families. It gives your family extra money for the first 3 years after your child is born, up to NZ$77 a week. For children born on or after 1 April 2026, the first year also depends on your family income.

You need a New Zealand bank account to get paid, pay rent and pay for everyday things. Some banks let you open an account before you leave your home country and activate it after you arrive. When you activate it, the bank usually checks your identity. Give your bank your IRD number. If you don't, the bank takes tax from your interest at the highest rate. If you have a problem with your bank, complain to the bank first. If that doesn't fix it, you can go to the free, independent Banking Ombudsman.

In New Zealand, you usually see a family doctor (GP) first when you are unwell. If you are eligible for publicly funded health services, you can enrol with a GP clinic for free. After you enrol, visits cost less, and you get reminders and screening services. Enrol before you get sick.

When you rent a home in New Zealand, your landlord can ask for a bond (a security deposit). The bond can be no more than 4 weeks' rent. Your landlord cannot keep it. They must lodge it with Tenancy Services, a government service. When you move out, your landlord starts the refund online and you confirm it. If you cannot agree on the refund, you can try mediation or apply to the Tenancy Tribunal.

If you are an employee aged 16 or over and work in New Zealand, you must get at least the minimum wage for every hour you work. From 1 April 2026, the adult minimum wage is NZ$23.95 an hour (before tax). Every employee must have a written employment agreement. A 90-day trial period is only valid if it is written into the agreement and you signed the agreement before you started work.

Everyone who arrives in New Zealand must complete a New Zealand Traveller Declaration (NZTD). This includes New Zealand citizens, residents and babies. The NZTD replaced the old paper Passenger Arrival Card. You must declare all food, plants and seeds, animal products and traditional or herbal medicines. A false declaration can bring an instant fine of at least NZ$400. If you are not sure, declare it.

In New Zealand you drive on the left. The give way rules may be different from the rules in your home country. You can be fined for holding a phone while driving, for not wearing a seatbelt, and if a child is not in a child seat. Speeding, using a phone while driving and drink driving can also give you demerit points as well as a fine. If you get 100 points or more within 2 years, your licence is suspended for 3 months. You usually need to pay a fine (infringement notice) within 28 days, or dispute it in writing before the final due date. From 1 October 2026, two new rules apply: leave at least 1.5 metres when passing, and give way to buses.

Once you have lived in New Zealand on a residence visa for long enough, you can apply to the Department of Internal Affairs (DIA) for citizenship. This is called "citizenship by grant". DIA's main requirements are: you have lived in New Zealand as a resident for at least 5 years and meet the minimum days in the country, you are of good character, you can hold a basic conversation in English, and you intend to keep living in New Zealand. The adult application fee is NZ$641, and processing takes 3 to 14 months. After approval, you become a citizen only when you take the oath or affirmation at a citizenship ceremony.

RealMe is the New Zealand government's single login and online identity service. It has two parts. A RealMe login is a username and password that you can use for many services, such as myIR and Immigration New Zealand. A RealMe verified identity is a digital identity issued by the government. It lets you prove who you are online, for example to open a bank account online. Many services only need a login. Applying for a verified identity is free, and it lasts 10 years.

At New Zealand primary and secondary schools, domestic students study free at state and state-integrated schools. International students pay fees. New Zealand citizens and residents are domestic students. A Ministry of Education notice also lists some children on temporary visas who are treated as domestic students. The most common case is a child on a student visa with a parent on a work visa.

KiwiSaver is New Zealand's voluntary, work-based retirement savings scheme. You save part of your pay before tax, and your employer and the government also add money to your account. You usually cannot take the money out until you are 65. You can take it out earlier in some cases, such as buying your first home. From 1 April 2026, the default contribution rate went up from 3% to 3.5%.