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Do I have to show full year tuition fees and one year living expenses in my bank account for New Zealand visa?

03 Aug 2026 · Answered by Swastika Ghosh · 1 min read
Swastika Ghosh
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Yes, for a New Zealand student visa, you are generally expected to show funds for 1 year of tuition fees (or proof that the fees have been paid) plus 1 year of living expenses. The living expense requirement is commonly around NZD 20,000 per year. Funds can be shown through bank balance or as an approved education loan

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Mahalakshmi K
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You must show enough funds to cover both tuition fees and living expenses for your New Zealand student visa.

- Tuition fees: Typically NZD 20,000 - 45,000/year for a master's program (amount varies by university and course; subject to change).
- Living expenses: NZD 20,000/year, or NZD 1,667/month if your course is shorter than one year (subject to change).
- Return travel: Proof of a paid return ticket or additional funds to cover its cost.

Funds can be shown through personal savings, an education loan, or an acceptable sponsor. All documents must be current and clearly show the funds are available for your use during your studies.

If you need help preparing your financial documents, connect with your LeapScholar counsellor.

Pallavi Attri
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No, you are not required to transfer funds to a New Zealand account before visa approval, but showing proof of funds is mandatory.

- Living expenses: You must show at least NZD $20,000/year for living costs. Immigration New Zealand (INZ) may ask you to use the Funds Transfer Scheme (FTS), where funds are sent to a New Zealand account and released monthly, but FTS is not always required.
- Tuition fees: You can apply for your visa with a conditional offer and pay tuition after visa approval, but proof of payment will be needed before the visa is granted.

You can also show funds through Indian bank statements, education loan letters, or scholarships. The method depends on INZ’s requirements for your case.

If you need help preparing financial documents, your LeapScholar counsellor can assist.

Abhishek Mehta
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Yes, for a New Zealand student visa, you must show living costs separately from tuition fees.

Immigration New Zealand requires proof that you have enough funds for both tuition and living expenses. For tertiary studies, you need to show NZD 20,000/year for living costs, in addition to tuition fees. These funds can be in your name, your parents', or a sponsor's account, but must be genuinely available to you during your stay.

Providing separate evidence for living costs is essential to meet visa financial requirements.

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