Connecting New Zealand bank accounts.

Akahu is New Zealand's open finance platform. We make it simple to connect your financial accounts to other applications.

If you're having issues connecting your accounts, please check out the tips below, or contact our New Zealand-based team.

Click a link to skip to the relevant section:

Common problemsANZASBCo-operativeHeartlandKiwibankRabobankTSBWestpac

Common problems and error messages

"Incorrect verification code"

If you get the code wrong, don't worry! Just double check that the code you entered is the same as the one from your most recent Akahu verification email.

If you want to be sure that you are copying the code correctly, you can select the code in your email, right click, and select "Copy". You can then return to Akahu and right click on the area marked "Paste your code here", then select "Paste".

"You don't have any accounts you can connect"

Some apps only want you to connect certain types of bank account.

For example, if the app wants to initiate payments on your behalf, they will only want you to connect accounts that are able to make payments to external accounts. If you don't have any accounts that fit the criteria, Akahu will show you the message "You don't have any accounts you can connect". If you wish to continue connecting an account, you'll need to go back and start again, making sure that the account that you are logging into has accounts of the right kind.

"Someone else is using these credentials"

For security purposes, Akahu only allows one person to connect a bank account at a time. If you see the message "Someone else is using these credentials", it probably means that you have already connected your accounts to Akahu using a different email address. The easiest way to resolve this is to go back and verify your email with Akahu using your original email address, for example your work email address, or an older email address you may have used in the past. If you're still stuck, please get in touch with our team for assistance.

"Verification code has expired"

For security purposes, the verification code that Akahu sends you will stop working after 3 incorrect attempts, or if it has been 15 minutes since the email was sent to you. If your verification code expires, you will have to click "Didn't receive a code?" to go back and enter your email again. Akahu will send you a new verification code. Make sure you enter the new verification code, and not the old one, which won't work.

"You have already connected these credentials"

This is Akahu's way of telling you that you have already connected these accounts to Akahu. Go back to the page that lists your accounts, and you should see your accounts there. If you're still stuck, please get in touch with our team for assistance.

You didn't receive Akahu's verification email

If you don't see an email from us within 2 minutes, a few things could have happened.

  • Check whether the email is in your spam folder.
  • Try adding no-reply@akahu.nz to your contacts.
  • The email address you entered may have a typo, or you accidentally gave us a different email address.
  • We can't deliver email to that address due to corporate firewalls or filters.

If these steps don't help, please get in touch with our team for assistance.

"Unsupported MFA Required"

For some payments, your bank may require you to complete a multi-factor authentication step. If you're seeing the message above, it means that we unfortunately do not support this specific multi-factor authentication process.

Payment pending approval

For some payments, your bank may require you to complete a multi-factor authentication step. If you're seeing the message above, you'll receive an email from Akahu with a link to access MyAkahu. You can then decide whether to approve the payment and complete the multi-factor authentication step.

ANZ

How we connect to ANZ

Akahu connects to ANZ via the same APIs that ANZ uses to power its mobile apps.

What you'll need

  • Customer Number
  • Password
  • PIN for your ANZ mobile app
  • Code that will be sent by SMS to your registered mobile device

Your Customer Number can be found on the back of most ANZ credit and debit cards. You can also find it in ANZ's mobile app under Settings.

Akahu will generate a token if you grant ongoing access, so we don't retain your Customer Number and password.

What to look out for

  • You must be registered for the ANZ goMoney mobile app in order to connect your ANZ accounts to Akahu.
  • When you connect your ANZ accounts to Akahu, you'll be asked for a Code sent to your mobile device and your goMoney PIN. ANZ limits how long Akahu can wait for you to enter these details, and if you take too long then you'll see an error stating "Your ANZ login timed out". Try again with your mobile device and PIN ready.
  • When you connect an account to Akahu, we register a new mobile device. ANZ limits the number of devices that can be registered at any one time, so you must have at least one free space. If you don't have space, you can choose to disconnect an old device that you no longer use. To do this, login to the ANZ mobile app, tap on Menu, then Settings, then Manage Devices.
  • Due to the way Akahu connects to ANZ, you will be sent a Code to your mobile device (this is called ANZ OnlineCode). If you have not registered for ANZ OnlineCode, you will not be able to complete this step, and so cannot connect your ANZ accounts to Akahu. To set up, call ANZ's customer support number and ask them to set you up with OnlineCode.
  • Occasionally you may see a message "ANZ is currently experiencing outages. Please try again later." If you see this message, it means that ANZ's mobile app servers are not functioning properly. This is likely to be a temporary outage, so please try again at any time.
  • If you cannot remember your ANZ password, you can click the "Forgot Password?" link beneath the "Continue" button. This will take you to ANZ's official instructions to reset your password.

ASB

How we connect to ASB

Akahu connects to ASB via the same APIs that ASB uses to power its mobile apps.

What you'll need

  • Username
  • Password
  • PIN for your ASB mobile app
  • Netcode code, which will be sent to your registered mobile device or available via your Netcode hardware device

Your Username can be found in ASB's mobile app if you tap the person icon in the top right corner of the accounts screen.

Akahu will generate a token if you grant ongoing access, so we don't retain your username and password.

What to look out for

  • There are a couple of PIN rules you will have to follow. You cannot repeat a number three times in a row. For example, you would not be allowed "111" as part of your PIN. And you cannot have consecutive numbers (numbers that are one higher or lower than each other). For example, you would not be allowed "45" as part of your PIN.
  • When you connect your ASB accounts to Akahu, you'll be asked for a NetCode and your ASB mobile PIN. ASB limits how long Akahu can wait for you to enter these details, and if you take too long then you'll see an error stating "Your ASB login timed out". Try again with your NetCode device or mobile device and PIN ready.
  • When you connect an account to Akahu, we register a new mobile device. ASB limits the number of devices that can be registered at any one time, so you must have at least one free space. If you don't have space, you can choose to disconnect an old device that you no longer use. To do this, login to ASB Internet Banking, click on your name in the top right corner, then select Manage Devices.
  • If you get your username or password wrong 5 times, ASB will lock your account to prevent someone trying to guess your credentials. In this case, Akahu cannot connect to your ASB accounts, and will show the error "Your access to Online and Mobile Banking has been locked". The easiest way to fix this is to reset your password, which you can do by clicking the "Forgot Password?" below the connect button. You can also phone ASB's support phone number, and ask them to unlock your account.
  • Occasionally you may see a message "ASB is currently experiencing outages. Please try again later." If you see this message, it means that ASB's mobile app servers are not functioning properly. This is likely to be a temporary outage, so please try again at any time.
  • If you cannot remember your ASB password, you can click the "Forgot Password?" link beneath the "Continue" button. This will take you to ASB's official instructions to reset your password.
  • When you set your PIN on a new device (like when you connect your ASB accounts to Akahu), ASB will update your PIN on any other registered devices as well. This means that when you access ASB's mobile app on other devices, you will have to enter the same PIN that you entered into Akahu when you connected to ASB. If you can't remember the PIN you entered into Akahu, you can tap "Login options" in ASB's mobile app, then tap "Reset Pin" and follow the instructions. Please note that if you change your PIN after connecting to Akahu, you will have to connect to Akahu again in order to retain that connection to your accounts.
  • Due to the way Akahu connects to ASB, you will be sent a NetCode to your physical NetCode device or mobile device. If you have not registered for ASB NetCode, you will not be able to complete this step, and so cannot connect your ASB accounts to Akahu. To set up, call ASB's customer support number and ask them to set you up with NetCode.

BNZ

How we connect to BNZ

In 2021, BNZ made a change that would require Akahu to provide BNZ account connectivity via “screen scraping”. While this is a common process in New Zealand (and used by banks such as BNZ in their own supply chains), we consider it to be too risky from a security perspective. Therefore we are not currently supporting BNZ connectivity at this time (other than one-off connectivity). We are working on alternative solutions with BNZ, and will update this page when the situation changes.

Co-operative Bank

How we connect to Co-op

Akahu connects to Co-op via the same APIs that Co-op uses to power its mobile apps.

What you'll need

  • Customer Number
  • Password

Your Customer Number can be found in Co-op's mobile app if you tap on Menu, then Settings, then Personal Details.

Akahu will generate a token if you grant ongoing access, so we don't retain your password.

Heartland

How we connect to Heartland

Akahu connects to Heartland via the same APIs that Heartland uses to power its mobile apps.

What you'll need

  • User ID
  • Password

Your User ID can be found in the email you received from Heartland when you first opened your account.

Kiwibank

How we connect to Kiwibank

Akahu connects to Kiwibank via the same APIs that Kiwibank uses to power its mobile apps.

What you'll need

  • Access Number
  • Password
  • Response to two of your Keepsafe questions
  • Code that will be sent to your registered mobile device

Your Access Number can be found in Kiwibank's mobile app if you tap on More, then look under your name.

Akahu will generate a token if you grant ongoing access, so we don't retain your username and password.

Rabobank (agri)

How we connect to Rabobank

Akahu connects to Rabobank via the same APIs that Rabobank uses to power its Business Mobile Banking app.

What you'll need

  • Username
  • Password
  • PIN for your Rabobank mobile app

Akahu will generate a token if you grant ongoing access, so we don't retain your password.

What to look out for

  • You need the Rabobank Business Mobile Banking App in order to connect your Rabobank accounts to Akahu. You need to be registered for Online Banking before you can register for mobile banking. You can read more information from Rabobank here.

TSB

How we connect to TSB

Akahu connects to TSB via the same APIs that TSB uses to power its mobile apps.

What you'll need

  • Mobile Banking Username
  • Password
  • PIN for your TSB mobile app

Akahu will generate a token if you grant ongoing access, so we don't retain your username and password.

What to look out for

  • Mobile app: You need the TSB mobile app in order to connect your TSB accounts to Akahu. You need to be registered for Online Banking before you can register for mobile banking. You can read more information from TSB here.
  • Username and password: The username and password must be the credentials that you use to login to the TSB mobile app. The Online Banking credentials are different, and won't work for the connectivity method that we support.

Westpac

How we connect to Westpac

Akahu connects to Westpac via the same APIs that Westpac uses to power its mobile apps.

What you'll need

  • Customer ID or Username
  • Password
  • PIN for your Westpac mobile app
  • Responses to 1 or 2 Online Guardian questions

Your Customer ID can be found in Westpac's mobile app if you tap on More. Alternatively, tap on More, then Profile, then Security Settings.

Akahu will generate a token if you grant ongoing access, so we don't retain your username and password.

What to look out for

  • PINs: When you connect your Westpac accounts, Westpac will send a SMS alert saying that your PIN has changed (this message is incorrect - there will be no change to your PIN). However if you use a different PIN to your previous PIN, it will be updated across all devices that you have registered with Westpac.
  • Notifications: If you have opted-in to Westpac alerts for logins, you'll receive a SMS alert each time that Akahu accesses your account. We typically access your account every 24 hours in order to check the connection, and more frequently if you have connected that account to apps that are interacting with the account.

Talk with us

Our team is here to answer any questions that you may have.

Get in touch