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Children under 18 years old

To open an account for someone under 18 years old, you need to verify their identity and confirm their address. You may also need to provide additional documents for yourself as the parent(s) or guardian(s).

Accounts for a child under 13 years old

To open an account for someone under 13, you’ll need:

  • ID and proof of address for yourself as the parent(s) or guardian(s). See ID requirements for valid documents you can bring. If you’re the legal guardian, you might need to provide additional documents as evidence of this.
  • Your child’s ID - options 1 or 2 on ID requirements. If using option 2, a non-photo form of ID can be used as a stand-alone document (e.g. a birth certificate).
  • Confirmation of your child’s address as per our address requirements. Your child can also use a letter from a registered medical practice or hospital as proof of address.
  • If the child can’t go into a branch, you can use a trusted referee for ID certification.

For any questions, please call 0800 275 269 or visit your nearest branch.

Accounts for a child aged 13-17 years

To open an account for someone aged 13-17 years (inclusive), you’ll need:

  • The child’s (account owner’s) ID - options 1, 2, or 3 on ID requirements. If using option 2, a non-photo form of ID can be used as a stand-alone document (e.g. a birth certificate). If using option 3, a New Zealand learner endorsement can be used together with one of the group 3 options.
  • Confirmation of the child’s (account owner’s) address as per our address requirements. A letter from a registered medical practice or hospital can also be used as proof of address.
  • If the parent(s) or guardian(s) wants to act on the account and the child agrees, they can be added. They will need to bring ID and proof of address to a branch - see ID requirements for valid documents. Legal guardians might need to provide additional documents as evidence.
  • Children aged 13-17 can either go into branch to open an account, or open an account online through RealMe®.

For any questions, please call 0800 275 269 or visit your nearest branch.

BNZ KiwiSaver Scheme applications

Only one parent or guardian is required to sign the application form and provide their ID and address. If the applicant is 16 or 17 years old, they will also be required to sign the application form. See ID requirements for valid documents you can bring. If you’re the legal guardian of the child, you might need to supply additional documents as evidence of this.