For New Zealand credit cards, the account numbers are:

Codes & references

  • The code is the first 4 embossed digits on the front of your card.
  • The reference are the last 12 embossed digits on the front of you card.

If your financial provider is listed above, but is not a credit card, you will need to call the relevant finance provider and ask for a different code and reference.

If you cannot find the information you need on our list provided, please call the relevant finance provider to get the account number, code and reference.

Please make sure these are correct so we can disburse the funds to the correct account.

Don't hesitate to get in touch if you need further help!

You can contact us on customerservice@harmoney.co.nz or 0800 427 666.

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