Getting your transactions into a budgeting app is the step most people find fiddly. This guide makes it straightforward — here's exactly where to find the CSV export in every major NZ bank, and how to bring it into Owdyn.

TL;DR: Every major NZ bank lets you download your transactions as a CSV file from internet banking (desktop only for most banks). The whole process takes about two minutes. Owdyn handles NZ date formats and duplicate detection automatically, so you can re-import the same period without creating duplicates.

Before you start

A few things worth knowing:

Use desktop internet banking — mobile apps from most NZ banks don't offer CSV export. Open a browser on your computer.
CSV, not OFX or QIF — Owdyn imports CSV files. Some banks offer multiple formats; choose CSV.
90 days is a good first import — most banks let you go back further, but 90 days gives you enough history to set up budgets and see patterns without overwhelming the import.
Re-importing is safe — if you export overlapping date ranges, Owdyn's duplicate detection will skip transactions it's already seen.

ANZ New Zealand

Log in at anz.co.nz and go to internet banking
Select the account you want to export from
Click Transaction history
Set your date range using the date filters
Click Export (top right of the transaction list)
Choose CSV from the format options
Save the file — it will download as something like transactions.csv

ANZ's CSV uses the format: Date, Amount, Description, Reference.

ASB Bank

Log in at asb.co.nz → FastNet Classic (desktop internet banking)
Select your account from the left panel
Click View transactions
Use the date range fields to set your export period
Click Export and choose CSV / Spreadsheet
Download the file

ASB exports include: Date, Unique Id, Tran Type, Cheque Number, Payee, Memo, Amount.

Westpac New Zealand

Log in at westpac.co.nz → Online Banking
Open the account you want to export from
Click the Download or Export transactions button (usually a down-arrow icon near the transaction list)
Choose your date range
Select CSV as the file format
Click Download

Westpac's CSV format includes: Date, Narration, Amount, Balance.

Kiwibank

Log in at kiwibank.co.nz → Internet Banking
Select your account
Go to Transaction history
Set the date range — up to 12 months available
Click Download transactions
Choose CSV and download

Kiwibank's export includes: Date, Memo/Description, Amount, Balance.

BNZ (Bank of New Zealand)

Log in at bnz.co.nz → Internet Banking
Click on the account you want to export from
Scroll to the Transaction history section
Click the Download icon (top right of transactions)
Choose your date range
Select CSV and download

BNZ's format includes: Date, Account, Description, Amount, Balance.

TSB and Co-operative Bank

TSB: Log in to internet banking → select account → Download transactions → choose CSV

Co-operative Bank: Log in → select account → Transaction history → Export → CSV

Importing into Owdyn

Once you have your CSV file:

Open Owdyn and go to the Transactions page
Click the Import button
Select your CSV file
Owdyn will preview the transactions and show you how they've been mapped — date, description, amount
Review the preview. Any rows with issues are flagged for your attention.
Click Confirm import

Owdyn recognises all standard NZ bank CSV formats and handles NZ date formats (DD/MM/YYYY) automatically. If you've already imported some of these transactions, duplicates are detected and skipped — so it's safe to import overlapping date ranges.

After importing, Owdyn will apply any category rules you've set, flag NZ merchants it recognises, and update your Safe-to-Spend and budget totals automatically.

How often should you import?

Most people find a fortnightly import (matching their pay cycle) keeps things current without becoming a chore. Set a reminder in your calendar after each pay day: download from your bank, import into Owdyn, spend two minutes reviewing. That rhythm is enough to keep your Safe-to-Spend accurate and your budgets meaningful.

For Plus and Wise users, automatic bank sync is in development and will replace the manual CSV step entirely once it's available.

Frequently Asked Questions

Which NZ banks can I import from?

Owdyn supports CSV import from all major NZ banks: ANZ, ASB, BNZ, Westpac, Kiwibank, TSB, Co-operative Bank, Rabobank, and any other bank that lets you download a CSV statement. If your bank offers CSV export, Owdyn can import it.

What if my CSV import looks wrong?

If the columns aren't mapped correctly (for example, amounts are showing as descriptions), try downloading the CSV in a different format from your bank. Most NZ banks offer a standard CSV format that Owdyn handles automatically. If you're still having issues, contact support from within the app.

Can I import from multiple banks?

Yes. Create a separate account in Owdyn for each bank account you have, then import the matching CSV into each one. Owdyn tracks everything across all accounts and combines them into a single Safe-to-Spend number.

Will importing create duplicate transactions?

No. Owdyn's duplicate detection compares date, amount, and description. If you import a date range that overlaps with a previous import, duplicates are skipped automatically. It's safe to be conservative with your date range.

Does Owdyn support automatic bank connections?

Automatic bank sync (connecting directly to your NZ bank without a CSV) is available on Plus and Wise plans and is actively being developed for all major NZ banks. CSV import is available on all plans including free.

How far back can I import?

As far back as your bank allows you to export — usually 12 months, sometimes longer if you request a statement. For budgeting purposes, 3–6 months of history is generally enough to set up your categories and see meaningful patterns.

How to import your NZ bank transactions into Owdyn (ANZ, ASB, Westpac, Kiwibank, BNZ)