{"id":2365,"date":"2026-04-23T11:33:33","date_gmt":"2026-04-23T06:03:33","guid":{"rendered":"https:\/\/mystudyoffers.com\/blogs\/?p=2365"},"modified":"2026-04-23T11:33:35","modified_gmt":"2026-04-23T06:03:35","slug":"funds-transfer-scheme-new-zealand-student-visa-guide","status":"publish","type":"post","link":"https:\/\/mystudyoffers.com\/blogs\/funds-transfer-scheme-new-zealand-student-visa-guide\/","title":{"rendered":"Fund Transfer Scheme Over Complex Bank Statements"},"content":{"rendered":"\n<p>The Funds Transfer Scheme (FTS) is a simple and secure way for international students to show proof of funds for a New Zealand student visa. This guide explains how FTS works, how much money you need, and how you can manage your living expenses easily while studying in New Zealand.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Funds Transfer Scheme (FTS) is a simple and secure way for international students to show proof of funds for a New Zealand student visa. This guide explains how FTS works, how much money you need, and how you can manage your living expenses easily while studying in New Zealand.<\/p>\n","protected":false},"author":2,"featured_media":2370,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"post_views_count":27,"footnotes":""},"categories":[129,104],"tags":[712,244,43,299,44,42,105,238],"class_list":["post-2365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-study-abroad","category-study-in-new-zealand"],"acf":{"single_page":[{"heading":"Overview","content":"<p>The <strong><a href=\"https:\/\/www.immigration.govt.nz\/study\/study-visas\/funds-transfer-scheme\/\">Funds Transfer Scheme<\/a><\/strong> (FTS) is a specific financial arrangement, principally used by Immigration New Zealand (INZ) for student visas, that enables international students to safely transfer living expenditures to a dedicated ANZ Bank account in New Zealand. It proves financial capability and releases funds in monthly instalments.<\/p>\n<p>The FTS serves as a reliable proof of funds for student visa applications, particularly for students from countries such as India, Sri Lanka, China, and the Philippines. Once a student receives an \u201cApproval in Principle\u201d for their visa, they are required to transfer one year\u2019s worth of living expenses into a savings account with ANZ Bank. These funds are securely held for 12 months, with a fixed amount released each month into the student\u2019s everyday account to cover accommodation and daily living expenses.<\/p>\n<p>It is important to note that the FTS covers only living costs and does not include tuition fees.<\/p>\n<p><strong>NOTE:<\/strong> Be sure to explore other <a href=\"https:\/\/mystudyoffers.com\/country\/study-in-new-zealand\/universities\"><strong>top universities to study in New Zealand<\/strong><\/a> to broaden your perspective and find the environment that suits you best.<\/p>\n","image":"https:\/\/blogs.mystudyoffers.com\/wp-content\/uploads\/2026\/04\/businessman-with-his-partner-working-office-2-scaled.jpg"},{"heading":"When is a student required to provide the Funds Transfer Scheme (FTS) Evidence? ","content":"<p>A student needs to use the Funds Transfer Scheme (FTS) only when it is specifically required by Immigration New Zealand during the visa process, when the AIP (Approval in Principle) Letter clearly mentions that you are required to provide evidence that you have transferred funds under the FTS. Generally, they provide a deadline for the same.<\/p>\n","image":false},{"heading":"How Much Money Do You Need Under FTS?","content":"<p>Concerning the FTS, one has to send sufficient funds to cater for his\/her living expenses in New Zealand. A rough idea about how much is needed is about NZD $20,000 per year, which is equivalent to \u20b910.2 lakhs per year approximately.<\/p>\n<p><span style=\"font-weight: 400;\">The fund will be sent in advance to a bank approved by the authorities and paid to the applicant in instalments (usually monthly), upon arrival. It includes expenses related to Accommodation, Food &amp; groceries, transport, and Daily personal expenses. To summarise, FTS guarantees that adequate funds are provided and managed for <strong><a href=\"https:\/\/www.mystudyoffers.com\/country\/study-in-new-zealand\">study in New Zealand<\/a><\/strong>.<\/span><\/p>\n<p>Points to note:<\/p>\n<ul>\n<li>This is meant to cover living expenses, not tuition fees<\/li>\n<li>The exact figure depends on the length of the course undertaken<\/li>\n<li>Always check the latest requirements before applying<\/li>\n<\/ul>\n","image":"https:\/\/blogs.mystudyoffers.com\/wp-content\/uploads\/2026\/04\/male-tutor-teaching-courses-from-home-2-1-scaled.jpg"},{"heading":"Can you add extra money above the requirement set by the AIP Letter INZ?","content":"<p>Yes, a student can add extra money above the amount specified in the AIP, but it should be done carefully and with proper understanding of the Funds Transfer Scheme (FTS) requirements set by Immigration New Zealand.<\/p>\n<p>Under FTS, the primary requirement is to transfer at least the minimum amount mentioned in the AIP letter. While transferring additional funds is generally allowed by ANZ Bank New Zealand, it is not mandatory and does not provide any additional advantage in terms of visa approval.<\/p>\n<p>Students may choose to transfer extra funds if they want additional financial security for living expenses. However, they should keep in mind that:<\/p>\n<ul>\n<li>The extra amount will also be subject to the same controlled monthly disbursement system<\/li>\n<li>It will not speed up or guarantee visa approval<\/li>\n<li>Any excess funds will remain locked and will be released gradually<\/li>\n<\/ul>\n<p>In summary, you can transfer more than the required amount, but it should be done only if genuinely needed for future expenses, as it will not impact the visa decision beyond meeting the required threshold<\/p>\n","image":false},{"heading":"Step-by-Step Process: How the FTS Works","content":"<p>The FTS follows a simple and structured process:<\/p>\n<ol>\n<li>Choose an approved bank<br \/>\nYou should select a bank that is authorised to manage FTS funds for New Zealand student visas.<\/li>\n<li>Transfer your funds<br \/>\nYou have to transfer the required living expenses amount (e.g., NZD $20,000 per year) to that bank.<\/li>\n<li>Get proof for your visa<br \/>\nThe bank confirms that your funds are secured under FTS. You submit this as part of your visa application.<\/li>\n<li>Visa decision<br \/>\nImmigration authorities review your application along with the FTS proof.<\/li>\n<li>Funds are held safely<br \/>\nOnce approved, your money remains securely with the bank.<\/li>\n<li>Receive money after arrival<br \/>\nAfter reaching New Zealand, the bank releases your funds in regular instalments (usually monthly) into your local account.<\/li>\n<\/ol>\n","image":false},{"heading":"How do you receive and Use Your Money in New Zealand?","content":"<p>Once you arrive in New Zealand, your FTS money becomes accessible in a structured way. How does it work?<\/p>\n<h5><strong>Open a local bank account<br \/>\n<\/strong><\/h5>\n<p>You\u2019ll need a New Zealand bank account to receive your funds.<\/p>\n<h5><strong>Monthly instalments<br \/>\n<\/strong><\/h5>\n<p>Your money is released in fixed amounts (usually monthly) instead of one lump sum.<\/p>\n<h5><strong>Direct transfer to your account<br \/>\n<\/strong><\/h5>\n<p>The bank transfers the funds directly, making it easy to access and use.<\/p>\n<p>It enables you to avoid spending too much money, budget wisely, and always have money available for use during your time here. Essentially, you will receive a consistent stream of money that will make life easy for you while studying.<\/p>\n","image":false},{"heading":"What Happens If Your Visa is Refused or Plans Change?","content":"<p>The first thing that comes to mind when it comes to the student\u2019s question is what would happen to the money in case of any unexpected issues? When it comes to FTS, the student\u2019s money will be safe and could be refunded in certain cases.<\/p>\n<p>For example, if the student fails to obtain the visa or any other necessary paperwork, they could submit a request for a refund from the bank. The money will be transferred back to the initial account. In case of additional bank or processing fees, there is an option for refunding even in the case when a student decides not to travel due to changed plans or decides to postpone their studies. However, it is important to mention that there is no guarantee that the request will be handled instantly.<\/p>\n","image":false},{"heading":"Advantages of Using the FTS","content":"<ul>\n<li><strong>Stronger visa application<br \/>\n<\/strong>Funds are verified through an approved system, increasing credibility.<\/li>\n<li><strong>Better financial control<br \/>\n<\/strong>Monthly instalments help you manage expenses without overspending.<\/li>\n<li><strong>Safe and secure<br \/>\n<\/strong>Your money is held by a trusted bank, reducing financial risks.<\/li>\n<li><strong>Less documentation hassle<br \/>\n<\/strong>Compared to traditional bank statements, FTS can be more straightforward.<\/li>\n<li><strong>Peace of mind<br \/>\n<\/strong>You already have your living expenses planned and secured before arrival.<\/li>\n<\/ul>\n","image":false},{"heading":"Important Tips for Students Using FTS","content":"<p>Before choosing the FTS, here are some key tips every international student should keep in mind:<\/p>\n<ul>\n<li><strong>Check approved banks carefully<br \/>\n<\/strong>Always choose a bank that is officially authorised for FTS.<\/li>\n<li><strong>Understand all charges<br \/>\n<\/strong>Be aware of transfer fees, bank charges, and possible currency conversion costs.<\/li>\n<li><strong>Plan your monthly budget<br \/>\n<\/strong>Since you\u2019ll receive fixed instalments, manage your spending wisely.<\/li>\n<li><strong>Keep extra funds if needed<br \/>\n<\/strong>FTS covers basic living expenses, but having a small backup fund is helpful.<\/li>\n<li><strong>Read refund policies properly<br \/>\n<\/strong>Understand how refunds work in case of visa refusal or change of plans.<\/li>\n<li><strong>Transfer the correct amount<br \/>\n<\/strong>Ensure you send the exact required funds to avoid delays in your visa process.<\/li>\n<\/ul>\n","image":false},{"heading":"How Can We Help You?","content":"<p>My Study Offers helps you with support on selecting the right university, understanding the visa procedures, preparing financially, and completing all the necessary paperwork. You can be sure that you will get all the necessary assistance, whether you have just started your investigation or are already ready to make your application.<\/p>\n<p>As a <a href=\"https:\/\/mystudyoffers.com\/\"><strong>free global education platform for students<\/strong><\/a>, we provide support to make your study abroad journey easier and more confident. From helping you understand whether the Funds Transfer Scheme (FTS) is the right fit for you to offering guidance through our study abroad guides, we assist you at every step.<\/p>\n","image":false},{"heading":"FAQs","content":"<h5><strong>1. Is the Funds Transfer Scheme (FTS) mandatory for a New Zealand student visa?<br \/>\n<\/strong><\/h5>\n<p>No, FTS is not mandatory. It is an optional method to show proof of funds. You can also use regular bank statements.<\/p>\n<h5><strong>2. How much money do I need to transfer under FTS?<br \/>\n<\/strong><\/h5>\n<p>You typically need around NZD $20,000 per year to cover your living expenses. This may vary depending on your course duration.<\/p>\n<h5><strong>3. Will I get all my money at once?<br \/>\n<\/strong><\/h5>\n<p>No, the funds are released in monthly or regular instalments after you arrive in New Zealand.<\/p>\n<h5><strong>4. Can I use FTS for tuition fees as well?<br \/>\n<\/strong><\/h5>\n<p>No, FTS is mainly for living expenses. Tuition fees are usually paid separately.<\/p>\n<h5><strong>5. What happens if my visa is rejected?<br \/>\n<\/strong><\/h5>\n<p>You can request a refund from the bank. The amount is returned after deducting applicable charges.<\/p>\n<h5><strong>6. Is FTS safe?<br \/>\n<\/strong><\/h5>\n<p>Yes, your money is held by an approved and trusted bank, making it a secure option.<\/p>\n<h5><strong>7. How long does the FTS process take?<br \/>\n<\/strong><\/h5>\n<p>It depends on the bank and your application, but it is generally a straightforward and timely process if all documents are correct.<\/p>\n<h5><strong>8. Can I access extra money apart from FTS funds?<br \/>\n<\/strong><\/h5>\n<p>Yes, you can use your personal savings or part-time income, but FTS ensures your basic living expenses are covered.<\/p>\n","image":false}],"header_background_image":"https:\/\/blogs.mystudyoffers.com\/wp-content\/uploads\/2026\/04\/stack-money-coins-glass-jar-concept-saving-future-1-scaled.jpg"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Funds Transfer Scheme (FTS) New Zealand: Guide for International Students<\/title>\n<meta name=\"description\" content=\"Understand the Funds Transfer Scheme (FTS) for New Zealand student visas. 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