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Study in New Zealand - Study abroad destination

Visa & Arrival - Study in New Zealand

Complete guide to the New Zealand student visa — requirements, financial evidence, health insurance, medical exams, and your first-week checklist after landing.

Updated March 1, 2026 11 min read

Visa & Arrival

The New Zealand student visa is your essential document for studying in the country. The application process is entirely online, and while it requires careful preparation, it's straightforward if you have your documents in order. New Zealand's immigration system is transparent and well-documented — you'll know exactly what's required before you start.

This guide covers everything from visa requirements to your first week on the ground.

Student Visa Overview

The Fee Paying Student Visa is the standard visa for international students enrolled in full-time study at a New Zealand institution. Here are the basics:

FeatureDetail
Visa typeFee Paying Student Visa
Application methodOnline (Immigration New Zealand website)
Application feeNZD 375 (online)
Immigration levyNZD 25.60
Processing time4–8 weeks (varies by nationality)
DurationCovers your program length + up to 3 months
Work rights20 hours/week during term, full-time during breaks
Multiple entryYes — you can leave and re-enter NZ during your visa

Visa Requirements

Essential Documents

DocumentDetailsWhere to Get It
Offer of PlaceFrom your New Zealand university/institutionUniversity issues this after you accept and pay deposit
Fee receiptProof of tuition payment (at least first year or semester)University issues upon payment
PassportValid for at least 3 months beyond your intended stayYour country's passport office
Passport photosRecent, meeting NZ immigration specificationsPhoto studio or online service
Financial evidenceProof of NZD 20,000/year living costs + tuition + return airfareBank, scholarship provider, or sponsor
Health insuranceApproved medical and travel insuranceInsurance provider — university may recommend one
Medical certificateIf studying more than 12 monthsApproved panel physician
Chest X-rayIf studying more than 12 monthsApproved panel physician or radiologist
Police certificateIf studying more than 2 years or over 17 years oldYour country's police authority
English language evidenceIELTS, TOEFL, PTE, or equivalentTest provider
Accommodation evidenceProof of arranged housing (not always required)University halls, homestay, or rental agreement

Financial Evidence in Detail

This is often the most complex part of the application. Immigration New Zealand needs to be confident you can support yourself financially.

Financial Requirements

RequirementAmount (NZD)Notes
Living costs20,000/yearOr NZD 1,667/month
Tuition feesAs per Offer of PlaceAt least first year
Return airfareVaries (2,000–5,000)Based on your home country
Partner (if applicable)Additional 20,000/yearPartner visa separate
Each dependent childAdditional fundsBased on age and schooling needs

Acceptable Financial Evidence

  • Bank statements — In your name or your sponsor's name, showing the required amount held for at least 3 months
  • Education loan — Approval letter from a recognized bank or financial institution
  • Scholarship letter — Confirming your funding amount and what it covers
  • Financial undertaking — A formal declaration from a sponsor (parent, relative, government) with their supporting financial documents
  • Fixed deposits — Bank certificates showing term deposits
  • Combination — You can combine multiple sources to meet the total requirement
Pro tip: If you're using a sponsor's funds, you'll need to provide evidence of your relationship to the sponsor (birth certificate, family documents) and the sponsor's financial documents. Make sure all documents are recent (within the last 3 months) and clearly show names and amounts.

Health Insurance — Mandatory

All international students must have approved medical and travel insurance for the full duration of their student visa. This is a legal requirement under the Education (Pastoral Care of Tertiary and International Learners) Code of Practice.

What Your Insurance Must Cover

  • Medical care and hospital treatment
  • Surgical treatment
  • Repatriation (return to home country if seriously ill)
  • Ambulance services
  • Cover for the entire duration of your visa

Insurance Options

ProviderApproximate Annual Cost (NZD)Notes
Studentsafe (Orbit Protect)550–680Popular, designed for students
Southern Cross500–650Major NZ insurer
UniCare520–670Available through many universities
nib530–680International student plans available

Your university may have a preferred provider or include insurance in your fees. Check before purchasing separately.

Important: New Zealand's ACC (Accident Compensation Corporation) covers everyone in New Zealand — including international students — for injuries caused by accidents. This means accident-related medical costs are covered by ACC, and your private health insurance primarily covers illness and non-accident conditions.

Compare health insurance options for New Zealand

Medical Examination

If you plan to study in New Zealand for more than 12 months, you'll need to complete a medical examination and chest X-ray.

Medical Exam Requirements

  • General medical certificate (INZ 1007) — A standard health check covering general health, blood pressure, vision, and hearing
  • Chest X-ray certificate (INZ 1096) — To screen for tuberculosis
  • Where: Must be done by an Immigration New Zealand approved panel physician in your country
  • Cost: NZD 300–500 (varies by country)
  • Validity: 3 months from the date of examination

Finding a Panel Physician

Immigration New Zealand maintains a list of approved panel physicians on their website. You must use an approved physician — results from non-approved doctors will not be accepted.

Pro tip: Book your medical exam as soon as you accept your university offer. Panel physicians can be busy, especially during peak application periods, and the results are only valid for 3 months — so timing is important.

Police Certificate

You'll need a police certificate (criminal record check) if:

  • You're 17 years or older, AND
  • You plan to study for more than 2 years
  • OR you're from a country where police certificates are routinely required

How to Get a Police Certificate

  • Request from your home country's police authority or relevant government agency
  • Must cover any country where you've lived for 5+ years since age 17
  • Must be less than 6 months old at the time of your visa application
  • Must be in English or accompanied by a certified translation

The Genuine Temporary Entrant Assessment

Immigration New Zealand assesses whether you are a genuine student who intends to study. This is not a formal test — it's an assessment based on your overall application. They consider:

  • Your study history — Is there a logical progression from your previous education to this program?
  • Relevance to your career — Does this qualification make sense for your career goals?
  • Immigration history — Have you complied with visa conditions in the past?
  • Ties to your home country — Do you have reasons to return (family, property, employment)?
  • Country circumstances — Economic and political conditions in your home country
  • Chosen program and institution — Is it a genuine program at a reputable institution?
Pro tip: Your personal statement and supporting documents should tell a clear story — why this program, why New Zealand, and what you plan to do afterward. Inconsistencies between your background and your study plans raise red flags. Be genuine and specific.

Step-by-Step Visa Application Process

  1. Gather all documents — Offer of Place, fee receipt, passport, financial evidence, insurance, medical certificates, police certificates
  2. Create an account on the Immigration New Zealand website (immigration.govt.nz)
  3. Complete the online form — Personal details, study details, health and character declarations
  4. Upload documents — Scan and upload all supporting documents in the required formats
  5. Pay the application fee — NZD 375 + NZD 25.60 levy (credit card)
  6. Submit biometrics — You may be asked to provide biometrics (fingerprints, photo) at a Visa Application Centre
  7. Wait for processing — 4–8 weeks typically. You can check status online
  8. Receive decision — Approval is sent electronically (eVisa). Print a copy and keep it accessible
  9. Travel to New Zealand — You can arrive up to 1 month before your course starts

Arrival in New Zealand

At the Airport

New Zealand has strict biosecurity laws. You must declare any food, plant material, animal products, outdoor equipment, or medications when you arrive.

Step-by-step arrival:

  1. Clear immigration — Have your passport and eVisa ready (on your phone is fine). The border officer may ask basic questions about your studies
  2. Collect baggage — Standard carousel collection
  3. Clear customs and biosecurity — Declare any items on the arrival card. Undeclared items can result in instant fines of NZD 400+
  4. Exit the airport — Your university may offer an airport pickup service (arrange this before departure)

Items you MUST declare:

  • Any food items (even packaged snacks)
  • Wooden items or products containing wood
  • Plant material, seeds, or flowers
  • Outdoor gear (hiking boots, camping equipment, fishing gear) — may need cleaning
  • Medicines and health supplements
  • Animal products (leather, wool, feathers)

Your First Week Checklist

TaskHowWhen
Attend orientationUniversity organized — usually the week before classesFirst week
Get student IDCampus student servicesDay 1–2
Apply for IRD numberOnline at ird.govt.nz — needed for tax on any work incomeWeek 1
Open a bank accountANZ, ASB, Westpac, BNZ, or Kiwibank — bring passport and student IDWeek 1
Get a SIM cardSpark, Vodafone, or 2degrees — available at the airport or in townDay 1
Set up transport cardAT HOP (Auckland), Snapper (Wellington), Metro Card (Christchurch)Week 1
Register with a GPUniversity health center or local medical practiceWeek 1–2
Set up internetIf not included in accommodation — Spark, Vodafone, 2degrees, SkinnyWeek 1–2
Explore campusLibrary, student services, gym, clubs, study spacesWeek 1

The IRD Number

Your IRD (Inland Revenue Department) number is New Zealand's tax identification number. You need one before you can legally work. Apply online through the IRD website — you'll need your passport, visa, and a New Zealand bank account. Processing takes 5–10 working days.

Opening a Bank Account

Major banks for students:

  • ANZ — Largest bank in NZ, good online banking
  • ASB — Strong mobile app, popular with students
  • Westpac — Widely available, student accounts available
  • BNZ — Good student account options
  • Kiwibank — NZ-owned, good for everyday banking

Most banks allow you to start the application online before arrival. Bring your passport, student visa, and university enrollment letter to complete the process in-branch.

Visa Conditions and Compliance

Once you have your student visa, you must comply with these conditions:

  • Attend your course — Maintain satisfactory attendance and academic progress
  • Work limits — Maximum 20 hours/week during term; full-time during scheduled breaks only
  • Insurance — Maintain approved health insurance at all times
  • Report address changes — Notify Immigration NZ if you change your address
  • Don't overstay — Leave New Zealand before your visa expires, or apply for a new visa before expiry
  • Study at your institution — Don't transfer to another institution without updating your visa

Violating visa conditions can result in visa cancellation and potential deportation. If you have problems (failing a course, changing programs), contact your university's international office — they can advise on the immigration implications.

Extending or Changing Your Visa

Extending Your Student Visa

If your program takes longer than expected, you can apply to extend your student visa from within New Zealand. You'll need:

  • A letter from your institution confirming continued enrollment
  • Updated financial evidence
  • Continued health insurance
  • NZD 375 application fee

Transitioning to a Post-Study Work Visa

After completing your qualification, you can apply for a Post-Study Work Visa from within New Zealand. This allows you to work for 1–3 years while you gain experience and potentially apply for residence.

Pro tip: Start thinking about your post-study work visa before you graduate. Attend career fairs, build industry connections during your studies, and make sure your qualification level aligns with your immigration goals. A Level 7 or higher qualification gives you the best post-study work options.

Compare health insurance options for New Zealand

Next Steps

Frequently Asked Questions

How much does a New Zealand student visa cost?
The student visa application fee is NZD 375 when applied online. Additional costs include the Immigration Levy (NZD 25.60), medical examination (NZD 300–500), police certificates (varies by country), health insurance (NZD 500–700/year), and the visa itself is free if applying from some countries.
How long does it take to process a New Zealand student visa?
Most applications are processed within 4–8 weeks, but processing times vary by nationality and time of year. Peak periods (October–January for February intake) can be slower. Apply as soon as you have your Offer of Place to avoid delays.
What financial proof do I need for a New Zealand student visa?
You need to show NZD 20,000 per year for living costs, plus full tuition fees and a return airfare. Evidence can include bank statements, education loan approvals, scholarship letters, or a financial undertaking from a sponsor.
Do I need a medical exam for a New Zealand student visa?
Yes, if you plan to study for more than 12 months. You'll need a general medical certificate and a chest X-ray from an approved panel physician. Some nationalities require medical exams regardless of study duration.
What is the Genuine Temporary Entrant requirement?
Immigration New Zealand assesses whether you are a genuine student who intends to study and then leave (or apply for another visa through proper channels). They consider your study history, the relevance of your chosen program to your career, your immigration history, and your ties to your home country.
Can I include my partner or children on my student visa?
Your partner may be eligible for a partner visa if you're studying a program on the Long-Term Skills Shortage List or at Level 7+ for at least 12 months. Dependent children may also be included. Additional financial evidence is required for each dependent.
What should I do when I first arrive in New Zealand?
Clear immigration with your passport and visa (eVisa on your phone is fine). In your first week: attend orientation, get your student ID, apply for an IRD number (for tax purposes), open a bank account (ANZ, ASB, Westpac, or BNZ), get a SIM card, set up transport card, and register with a GP.
Can my student visa be declined?
Yes. Common reasons include insufficient financial proof, failing the genuine temporary entrant assessment, incomplete documentation, health concerns, or character issues. Ensure all documents are complete, genuine, and clearly demonstrate your intent to study.