New Zealand uses the New Zealand dollar, shown as NZD or NZ$. Foreign cash is not normally accepted for everyday purchases, so visitors should pay in New Zealand dollars. Credit cards, debit cards and contactless payments are widely used, but carrying some local cash is still useful.
The New Zealand dollar is the only standard currency used in shops, restaurants, cafes, hotels, attractions and most transport services. Australian dollars, US dollars, pounds and euros are not usually accepted at the point of sale, even in popular visitor areas.
Banknotes come in $5, $10, $20, $50 and $100 denominations. Coins are used for 10 cents, 20 cents, 50 cents, $1 and $2. New Zealand does not use 1 cent, 2 cent or 5 cent coins, so cash totals are rounded when needed.
Paying during your tour
Most travellers use a mix of card and cash. Credit cards and debit cards are widely accepted in cities, towns, hotels, supermarkets, restaurants and many attractions. Visa and Mastercard are the most commonly useful cards. American Express may be accepted in some places, but not everywhere.
Contactless card payments are common, and mobile wallet payments are also available in many shops and cafes. Some small businesses may have a minimum spend, add a card surcharge or prefer EFTPOS cards issued by New Zealand banks, so it’s sensible to keep a small amount of cash for low-cost purchases.
On a guided tour, many major travel costs are paid before arrival, but you may still need money for lunches, drinks, optional activities, laundry, souvenirs and free-time meals. Independent coach tours may involve more self-managed meals and local transport, so day-to-day spending can be a little more flexible.
Exchanging or withdrawing money
You can exchange foreign currency at major airports, some banks and specialist currency exchange outlets. ATMs are widely available in cities and most towns, though access can be more limited in smaller places or remote touring areas.
Before travelling, check overseas withdrawal fees, foreign transaction fees and whether your bank needs notice of international use. If your card offers a choice between paying in New Zealand dollars or your home currency, paying in New Zealand dollars is often clearer because your own bank handles the conversion.