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Jurisdiction · Asia-Pacific

New Zealand

New Zealand yana da wani ƙaramin tsarin kuɗi na banki wanda ake amfani da shi a cikin manyan bankuna waɗanda ke da alaƙa da kungiyoyin Australiya. Tsarin kulawa yana zaune tare da Bankin Tarayya na New Zealand (RBNZ), gudanar da tsari tare da Hukumar Kasuwanci ta Kasa (FMA), kuma mafi yawan masu ba da sabis na kudi dole ne su kasance a kan Jami'ar Masu Ba da Sabis na Kudi (FSPR). A cikin 2026 ya zama ɗaya daga cikin ƙananan hukumomin Asiya-Pacific don yin doka game da tsarin lasisin lasisin ga gidajen caca na yanar gizo.

Alamar RiskiStandard
FATFBa a lissafa ba
EU AML high-risk listBa a lissafa ba
EU tax listBa a lissafa ba
License regimes6
Kudin kudiNZD
S&P ratingA+
Zaben gaba7 November 2026

Ba a kan FATF grey ko black lists after the June 2026 plenary, not on the EU high-risk third country list (Delegated Regulation (EU) 2016/1675 as amended, latest by Delegated Regulation (EU) 2026/46), and not on Annex I of the EU tax list updated 17 February 2026. Checked 7 October 2026.

Gwamnati da siyasa

Gwamnati
Parliamentary constitutional monarchy
Sarki (ya wakilta da Gwamnonin-Janar Dame Cindy Kiro tun 2021-10, wa'adin ya tsawaita zuwa 31 ga Maris, 2027)
King Charles III · since September 2022
Prime Minister
Christopher Luxon (National Party)
Jam'iyyun siyasa
National Party, ACT New Zealand, New Zealand First
Zabe na ƙarshe
Zaben kasa, 14 Oktoba 2023
Zaben gaba
General election, 7 November 2026. 21 2026
Legislature
House of Representatives (unicameral; normally 120 seats, 123 in the current term due to overhang), elected by mixed-member proportional representation
Sistema Legal
English common law, with special legislation and land courts for Maori

Ƙasa da kudi

Jami'a
5.3m (2025)
GDP
USD 258.8bn (2025)
GDP per person
USD 48,621 (2025)
Kudin kudi
New Zealand dollar (NZD), floating
Bankin Cibiyar
New Zealand
Credit rating
S&P AA+ (stable) · Moody's Aaa (negative) · Fitch AA+ (negative) (as of April 2026)

An gina tattalin arzikin da ke dogaro da kasuwanci a kan abinci, kifi, noman itatuwa da yawon bude ido, tare da wani bangare na banki wanda ya kunshi manyan bankunan Australia huɗu.

Banki

Bankin da aka yi rajista (ana motsa zuwa mai karɓar ajiyar lasisi)

Minimum capitalBa a wallafa ba
Layin lokaciBa a wallafa ba
AuthorityRBNZ
Dokar
Banking (Prudential Supervision) Act 1989; Deposit Takers Act 2023
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Registration by RBNZ; the Deposit Takers Act 2023 replaces bank registration with a single licensing regime for banks and non-bank deposit takers
  • Rabon kuɗaɗe, kudi mai yawa, kulawa da buƙatun bayyanawa waɗanda RBNZ ta gindaya
Sources(1)
  1. RBNZ: Oversight of banks · checked 2026-10-07
Mai ba da sabis na biyan kuɗi (PSP)

rajistar mai bayar da sabis na kudi (asusun biyan kuɗi, canja wurin kuɗi, fitar da kayan aikin biyan kuɗi, musayar waje)

Minimum capitalBa a wallafa ba
Layin lokaciBa a wallafa ba
AuthorityMa’aikatar Shari’a
Dokar
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Farashin
NZD 300 da kuma GST, FMA ta biya NZD 600 da kuma GST, da NZD 11.30 da kuma GST ga kowace binciken tarihin laifi
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Manajojin, masu kula da masu mallaka da manyan manajo ba za'a iya hana su ba (tafiyar mai kula ta haramtattun tana rufe New Zealand da Australia)
  • Ma'aikatan wani shirin warware rikici da aka amince da shi lokacin da ake baiwa abokan cinikin sayar da kayayyaki
  • Takardar tabbatarwa ta shekara-shekara
  • Rumbun adana bayanan ko wani sabis yana da lasisi kuma daga wane mai mulki (FMA ko RBNZ); rajista kawai ba lasisi bane
Sources(2)
  1. Companies Office: Registering an FSP as an entity · checked 2026-10-07
  2. Companies Office: The role of the FSPR · checked 2026-10-07
Mai ba da sabis na kayan kwamfutoci (VASP)

Mai ba da sabis na kayan kwamfutoci: rajista FSPR da AML/CFT mai bayar da rahoto

Minimum capitalBa a wallafa ba
Layin lokaciBa a wallafa ba
AuthorityOfishin Kamfanoni (shige da fice); Ma’aikatar Harkokin Cikin Gida (AML/CFT mai kula)
Dokar
Financial Service Providers (Registration and Dispute Resolution) Act 2008; Anti-Money Laundering and Countering Financing of Terrorism Act 2009
Farashin
Kudin FSPR kamar sauran masu bayar da sabis na kudi
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Ba a ba da lasisin cryptic; musayar da masu samar da wayoyin hannu suna yin rajista akan FSPR
  • AML/CFT shirin, nazarin haɗari, kulawa da abokan ciniki da rahoton ayyukan shakka wanda DIA ke kula da shi
  • Crypto-assets waɗanda suke kayayyakin kuɗi suna ƙarƙashin Dokar Ayyukan Kasuwanci na 2013
Sources(1)
  1. Companies Office: Registering an FSP as an entity · checked 2026-10-07
FX broker

Lissafin sabis na kasuwa na FMA: mai fitar da derivatives

Minimum capitalBa a wallafa ba
Layin lokaciBa a wallafa ba
AuthorityFMA
Dokar
Financial Markets Conduct Act 2013, Part 6
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Ya buƙata don fitar da derivatives (ciki har da margin FX da CFDs) ga masu saka hannun jari
  • Kashi na tattalin arziki da sauran sharuddan da aka gindaya ta hanyar FMA a cikin sharuɗɗan lasisin standard
  • FSPR rajista da rikici warware scheme membership
  • Ma'aikatan da suka dace da kuma masu kulawa
Sources(1)
  1. FMA: Licensing · checked 2026-10-07
Kamfani na zuba jari

Lissafin sabis na kasuwa na FMA: sabis na kula da saka hannun jari mai zaman kansa (DIMS) da kuma manajan shirin saka hannun jari mai kulawa

Minimum capitalBa a wallafa ba
Layin lokaciBa a wallafa ba
AuthorityFMA
Dokar
Financial Markets Conduct Act 2013, Part 6
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • License required to provide DIMS or manage a registered managed investment scheme for retail investors
  • Tattalin Arziki, hadin kai da tsare-tsaren fitarwa zuwa ga ƙa'idojin FMA
  • FSPR rajista da rikici warware scheme membership
Sources(1)
  1. FMA: Licensing · checked 2026-10-07
Operator na wasan kwaikwayo na kan layi

Online casino gambling license

Minimum capitalBa a wallafa ba
Layin lokaciBa a wallafa ba
AuthorityMa'aikatar Harkokin Waje
Dokar
Online Casino Gambling Act 2026; Online Casino Gambling Regulations 2026
Passporting
Ba a iya amfani da shi ba
Buƙatun Maɓalli
  • Dokar ta fara aiki kuma DIA na aiwatar da tsarin ba da lasisi
  • Haƙƙin shigar da aikace-aikace an raba shi ta hanyar bayyana sha'awa da wani gasa, sa'an nan kuma nazarin aikace-aikace
  • Ka'idojin sun kunshi rage illa, kare mai amfani, tallace-tallace da kuma alƙawarin ma'aikata
Sources(1)
  1. DIA: Online casino gambling · checked 2026-10-07
Supervisors

Wane ke sarrafawa

  • Reserve Bank of New Zealand (RBNZ) · websitebanks, Insurance
  • Financial Markets Authority (FMA) · websiteInvestment firms, FX brokers, Payment service providers, Virtual asset service providers (VASPs)
  • Asusun Kamfanoni (Katin Masu Ba da Aikin Kudi) (FSPR) · Shafin yanar gizoMasu bayar da sabis na biyan kudi, Ma’aikatun E-dalar Amurka, Masu ba da sabis na dukiya ta zahiri (VASPs), Kamfanonin zuba jari
  • Ma’aikatar Harkokin Cikin Gida (DIA) · shafin yanar gizoKasar caca ta kan layi, Masu bayar da sabis na biyan kudi, Masu ba da sabis na dukiya ta zahiri (VASPs)

Yawancin shafukan yanar gizo na hukuma (RBNZ, FMA, NZ Legislation, AML/CFT portal) sun ki amincewa da samun dama ta atomatik a ranar 2026-10-07, don haka babbar kasuwar banki, ranar farawa ta Deposit Takers Act, sharuddan kuɗi na lasisi na FMA da kuɗin FMA ba za a iya tabbatar da su ba kuma an bar su; hanyoyin haɗi na asali na RBNZ da FMA sune shafukan farko na hukuma. Babu lasisin e-money ko lasisin hukumar biyan kuɗi: masu bayar da biyan kuɗi na ba-bankuna suna yin rajista akan FSPR kuma suna AML / CFT masu gabatar da rahoto.

Bayanai na Gabaɗaya

About New Zealand

New Zealand on the globe
Map of New Zealand City in New Zealand
Iyakokin ƙasa na halitta. Maɓallin maɓalli ne kawai.
Status
Sovereign state
Capital
City in New Zealand
Mafi girman birni
City in Australia
Area
268,838 km²
Yarukan hukuma
English, Maori, New Zealand Sign Language
Yana da Lokaci
UTC+12:00 (UTC+13:00 a lokacin hunturu)

Main exports

  • Mai da kuma kayayyakin mai
  • karfe
  • beef
  • butter
  • Da nãman tumãkai da nãman dabbõbi.
  • yawon shakatawa

Main export partners

  • China
  • United States
  • Australia
  • Japan
  • Koriya ta Kudu
Sources for the country information(8)

Bayanin ƙasar da aka bincika 9 Oktoba 2026. Bayanan lasisi an sabunta su 7 Oktoba 2026. Bayani kawai, ba shawara ta doka ba; bukatun sun canja. Labari na dokoki.