What is the Funds Transfer Scheme?

FTS is a joint Immigration NZ and ANZ Bank scheme for students from India and a few other countries. You pre-deposit a year of living-cost funds into a locked NZ account; ANZ confirms it to Immigration NZ and releases it to you monthly after you arrive. It directly addresses the most common reason Indian student visas are refused.

Can I work while studying?

Most student visas allow up to 25 hours of work per week during term and full-time during scheduled breaks. PhD candidates have no cap.

How much money do I need to show?

Tuition for the first year (or full course if shorter), plus at least NZD 20,000 per year for living costs — from a verifiable source, ideally seasoned in your account.

🇳🇿New Zealand · Visa guide

New Zealand Student Visa

The Fee Paying Student Visa — the main route for Indian students enrolling full-time at a New Zealand university, polytechnic or institute.

ProcessingTypically 4-6 weeks once fully documented
Visa categoryStudent Visa
Your guideOne consultant

The New Zealand Student Visa (Fee Paying Student Visa) is the route used by the overwhelming majority of Indian students. It covers full-time enrolment in a single qualification at an approved school, university, polytechnic or private training establishment, and is granted for the full course length, up to four years on one visa.

The application turns on three things: a genuine offer of place from an approved provider, clear proof of tuition and living-cost funds (NZD 20,000 per year), and a credible study plan. India is part of Immigration NZ's Funds Transfer Scheme (FTS) with ANZ Bank — strongly recommended, because unclear finances are the single biggest cause of Indian student refusals. Eligible students can work up to 25 hours a week during term.

Lifeset Overseas guides the offer of place, the FTS funds route, the statement of purpose and the document file so your genuineness and your finances are both beyond question.

Your next step

Ready to start your New Zealand Student Visa?

A visa file is won or lost on the small things — a mismatched date, a thin financial trail, a document formatted wrong. We go deep into your profile, build every document properly, and give you an honest verdict before you commit. If your case isn't ready, we'll tell you — and tell you exactly how to fix it.

Free, honest assessment
We read your full profile and tell you straight whether your case is ready — before you pay anything.
Your file, built right
Every document prepared, apostilled, translated and stress-tested the way the embassy expects.
One consultant, end to end
The same person handles your case from the first call to the visa decision — no hand-offs.
We handle the process
VFS appointment, biometrics, submission and follow-up — we manage the moving parts for you.

licensed (No. 849/DC/PTA/PLA/LC-3/2024)Fixed fees agreed upfrontWe won’t take a case we believe will fail

Other New Zealand visas

Start here · One message away

Ready to start your visa journey?

Message us on WhatsApp — share your visa goal and a licensed consultant takes it from there. No forms, no call centres. One person, start to decision.