Step 1. Student -> CITIC Bank第 1 步：学生 -> 中信银行Student applies for a transfer account, deposits funds and signs transfer management agreement with CITIC (minimum deposit of RMB150k per annum).学生申请转账账户，存入款项，并与中信银行 (CITIC) 签订转账管理协议（最低存款额为每年 15 万人民币）。
Step 2. Student -> INZ第 2 步：学生 -> 新西兰移民局Student submits completed student visa application including CITIC FTS registration certificate to INZ.学生向新西兰移民局递交完整的学生签证申请，包括中信银行留学专用账户 (CITIC FTS) 登记证明。
Step 3. Student -> ANZ Bank (account opening)第 3 步：学生 -> 澳新银行（开户）If student visa is Approved-in-principle (AIP), applicant will email completed ANZ AOF, copy of passport biopage/signature page and copy of AIP letter to:firstname.lastname@example.org
New Zealand-based ANZ branch will open account within two working days and send welcome email to student.
Step 5. Student -> ANZ第 5 步：学生 -> 澳新银行Student emails New Zealand-based ANZcontact (email@example.com ) to confirm remittance made to their newly opened New Zealand account with the ANZ bank.学生向新西兰澳新银行联系人 (firstname.lastname@example.org ) 发送电子邮件，确认已向其新开户的新西兰澳新银行账户汇款。
Step 6. ANZ -> INZ第 6 步：澳新银行 -> 新西兰移民局Following funds transfer from China to student’s new New Zealand-based account,ANZ email funds confirmation to INZ processing officer and sends a copy to the applicant.
Student visa is then issued and returned to student, pending receipt of all AIP documentation.