custaılo
Home  /  Cost of living  /  The arrival checklist

Guide · Your first 90 days

The arrival checklist.

Everything to sort out once you land, roughly in the order it unblocks the next thing. Tick items off as you go, your progress is saved in this browser. Or print it and use a pen.

0 of 0 done
Nothing is uploaded. Ticks are saved only in this browser, on this device, using local storage. Clear your browser data and the list resets. There's no account and nothing is sent to Custailo.

Week 1

Get the basics moving

Apply for your IRD number

Your tax number. Without it you're taxed at the highest rate. Apply online through Inland Revenue once you have a bank account or an address; it usually arrives within days. The IRD number, step by step →

Free

Activate your bank account

If you started an account online before flying, activate it in branch with your passport and visa. Ask about fees for the first year and proof-of-address rules. Opening an account from overseas →

Sourced$0–$5 / month

Pick up a local SIM

Prepaid first, a plan later once your bank account is active. Coverage differs outside the main cities, so ask locals which network works where you'll live.

Sourced$8–$40 / month prepay

Weeks 1–4

Get settled

Sort tenancy and bond

Bond is up to four weeks' rent and must be lodged with Tenancy Services, not kept by the landlord, plus rent in advance. Get every agreement in writing.

Bond + 1–2 weeks' rent

Connect power and internet

Sold by several retailers at different rates, and worth comparing before signing. Some retailers ask new customers with no NZ credit history for a bond.

Estimate$0–$200 bond

Month 1

Health and money

Enrol with a GP

Enrolling with a general practice makes visits cheaper. Whether you pay full price or a subsidised rate depends on your visa; eligibility for publicly funded health care is set by the Ministry of Health and published at tewhatuora.govt.nz.

Free to enrol; visits vary

Fill in KiwiSaver paperwork, if you're starting work

Your employer gives you the forms when you start. Whether to opt in, and at what contribution rate, is your call to make once you understand how it works. This is information, not a recommendation.

Employer-provided

Months 1–3

The rest

Check your driver licence conversion window

NZTA allows driving on an overseas licence for a limited period. The period, and whether a test is required, depend on the issuing country. Check nzta.govt.nz and bring your driving record from home.

Sourced$52–$158 (car licence)

Find your local community

Groups for migrants, meetup events, community centres. Walk your neighbourhood too: the supermarket, pharmacy, and bus stop are worth knowing before you need them.

Before school starts, if this applies to you

School enrolment

Enrol at your local school

Public schools enrol by zone. Whether your child is treated as domestic or international depends on your visa, and the fee difference is large. Confirm before you choose a suburb.

EstimateUniform + stationery, ~$300
Want the numbers for your city? Some costs above are still estimates. The cost-of-living calculator breaks rent, groceries, transport, utilities and phone down by city and lifestyle, and flags every figure that's still an estimate.
What we can't tell you. Which visa to apply for, whether your application would succeed, or what any rule means for your situation. Immigration questions go to a licensed adviser or an exempt person such as an NZ lawyer. This list describes the general process only.
Written by Custailo. The underlying rules come from Inland Revenue, Tenancy Services, NZTA, the Ministry of Education and Te Whatu Ora. Bank fees: ANZ and ASB published everyday-account fees ($0 and $0–$5 a month), checked 24 Aug 2026. Phone: Spark and 2degrees published prepay pack pricing (packs from $8 to $40 a month cover most needs), checked 24 Aug 2026. Licence conversion: NZTA published fees for a car licence, $52.10 with no tests through $157.70 with both tests passed first time, checked 24 Aug 2026. Costs still labelled an estimate are ours and are not yet sourced. Always check the current requirements on the agency's own site.
This is general information, not advice for your situation. Custailo is not licensed to give immigration, legal, financial or tax advice. Always check anything important against the official source before you rely on it. Read the full disclaimer.