新西兰的银行什么时候开门？
New Zealand is a beautiful country with low crime rates， high literacy rate and well-organized banks. There are only 3 major banks in New Zealand： The Bank of New Zealand (BoNZ)，ANZ Bank 和 Westpac Bank. All the other banks you see on this list will be branches or franchises of one of these three main banks.
Bank hours in New Zealand are relatively short. Most Banks open around 9AM to 4PM， Monday to Friday. Some branches have shorter operating hours； for example， ANZ and BNZ have several ATMs that are open 24/7. In addition， most towns have at least one 7 day per week grocery store that has an ATM inside. This means you can easily get cash whenever you need it， even if your bank isn't open！
Here are some tips for using an ATM：
1、Always look at the machine's face before inserting your card. Make sure there are no signs of tampering – broken glass， dents etc. Also watch out for any wires hanging from the machine as they might indicate somebody has tampered with it.
2、If possible， use automated teller machines（ATMs）that require PINs instead of those that require signature cards. A PIN makes it much harder for someone to steal your money since they would need your full PIN in order to take your money. You may however want to keep track of the PINs used on your various cards just in case you need them to access your accounts elsewhere.
3、When choosing a PIN， try to use letters and numbers that aren't easy to guess. It also helps to use a PIN that changes frequently. If you must use a number that is readily identifiable， make sure it is the last 6 digits of your SSN.
4、Don't share your PIN with anyone and never write it down. Never carry your PIN in your wallet， because thieves could use it to break into your accounts.
5、Try to avoid going to ATMs after dark. You can run into criminals during this time and it is easier to commit fraud too.
Tips for opening a bank account：
1、Know why you want a New Zealand bank account. Are you looking forward to living here long term or are you only visiting？ If you don't have plans to live permanently in New Zealand， it might not