How To Top Up Your Lottery Ticket Online In NZ?

How to top up your lottery ticket

You can play lotteries online in NZ. All games that you can purchase online are Lotto, Powerball, Strike, Keno, Bullseye and Instant Kiwi. Some ticket options are not available to purchase online. 

To purchase lottery ticket online in NZ you need to either have the Lotto NZ app on your mobile smartphones or open your Mylotto account at their website directly on your web browser be it chrome or safari on your PC or tablet.

On the MyLotto NZ website homepage you will find the Login button

To login or create an account

Tap ‘Login’ on the top right hand side.

If you already have an account, login. If not you’ll need to register.

It’s easy to open a MyLotto account – all you need  is a New Zealand bank account and a New Zealand-issued Visa or MasterCard.

If you don’t have a New Zealand-issued Visa or MasterCard, you will need to send them copies of any two of the following forms of ID:

  • Passport
  • New Zealand Drivers Licence
  • Firearms Licence
  • New Zealand Birth Certificate
  • New Zealand Marriage Certificate
  • Document evidencing a bank account in your name (e.g. deposit slip)
  • New Zealand-issued International Drivers Licence
Purchasing ticket online
Purchasing ticket online

Once your account is verified you are ready to play and buy tickets online.

With your MyLotto account you can store your lucky numbers as a Favourite so they can be played at any time; keep your tickets safe and secure; play anywhere and get access to an exclusive virtual draw.

After opening your account you can use the same login from the MyLotto website or Lotto NZ app to play the games.

 How To Top Up Your Lottery Ticket Online in NZ?

Lottery winner NZ
Lottery winner NZ

Now that you have opened your lottery account you need to top up to purchase your lottery ticket online.

To top up login into your account.

  • Select the profile icon then click ‘Top up’
  • This can be found in the top right corner of your screen.
  • Enter your NZ bank account details
  • You’ll only have to do this if you haven’t completed this step when you created your MyLotto account. 
  • Top up your wallet with amount you feel comfortable to spend.    
  • Choose your payment method, follow the prompts and top up with minimum of $1 and maximum of $150.
  • If you’re using a credit or debit card for the first time, you’ll need to add this to your MyLotto account. 
  • You need to remember that your Player Funds balance can’t exceed $999.
  • You’ll see your top up amount next to your profile icon.  
  • Also Internet banking can take 3-5 days to show up in your MyLotto wallet. Credit or debit card top-ups are instant.

You will be asked for your password. Before you add your credit or debit card details, you’ll be asked to enter your MyLotto password so make sure you have that handy. 

Most banks have MyLotto in bill payments, but in case you need them, MyLotto bank details are: 03 0502 0854794 04. You may see a $1 ‘authorisation’ transaction on your bank statement. This is used to validate your card, you won’t be charged and it’ll disappear from your bank statement in 5-7 days

You can top up with a minimum of $1 and maximum of $150. If you try to add more, it won’t show up in your MyLotto wallet and will be put back into your bank account. 

You can deposit funds into your MyLotto account either by credit card (Visa, Visa Debit, or MasterCard only) or from your bank account using phone banking or online bill payment. Remember that top-ups via phone banking or online bill payment can take 3-5 days to appear in your MyLotto wallet balance.

To top up online:

  • Login to MyLotto
  • Tap the balance icon in the top right of the screen
  • Click the ‘Top Up’ button
  • You will see options to top up with a linked credit card or via internet banking

There is a weekly top up limit of $150. This is the maximum amount you can deposit to your Player Funds per week. For a single transaction, the minimum deposit amount is $1. The maximum deposit amount is $150.

If you’re having trouble entering your bank account details:

  • Make sure your cursor is at the far left of the box when you start to enter the number.
  • Your bank account number is not your 16 digit EFTPOS/Debit/Credit Card number.
  • If you receive an error stating that your bank account is already in use, this could be due to one of two reasons.
  • It is associated with an older abandoned or forgotten MyLotto account, or
  • It is currently in use, for example, in your partner’s MyLotto account.

If you have an abandoned or forgotten MyLotto account, call the Customer Support team on 0800 695 6886, who will be able to help get this issue sorted for you.

If the bank account is currently in use by your partner, you will need to use a separate bank account in your MyLotto account. Different bank account suffixes are deemed to be the same bank account.

Topping Up your My Lotto Wallet
Enter your 10-digit MyLotto customer number

Most banks will already have “MyLotto (Online Top-Up)” loaded as a registered payee in their Bill Payment setup sections. Be careful not to select “Lotto (Retailer payments only)” if it comes up in your search – this could delay the funds showing in your MyLotto account.

If you can’t find the existing “MyLotto (Online Top-Up)” registered payee on your internet banking website or app, you will need to set up a bill payment yourself using MyLotto’s bank account number, which is: 03 0502 0854794 04

You must also complete the following fields:

  • ‘Particulars’: You are not required to fill out this field
  • ‘Code’: Your surname (this is restricted to 12 characters)
  • ‘Reference’: Enter your 10-digit MyLotto customer number. For example: 10xxxxxxxx – to find this, select ‘Top Up’ and then ‘Top up: internet banking’. Your 10 digit MyLotto customer number is found in bold at earlier step to top up your wallet.
My Lotto Tickets
My Lotto Tickets

All of your lottery ticket online, past and present, can be viewed in ‘Financial history’ which is under ‘My funds’ in ‘My Account > Settings’.

‘Financial history’ also shows when and how much has been deposited and withdrawn from your MyLotto account.

The funds you have deposited will show under the ‘head and shoulders’ icon on your MyLotto account.  
Once you’ve topped up your account and the funds have shown up, you’re ready to buy a ticket.


Q1. How to withdraw your Lotto winnings?

To withdraw funds from your account, simply follow these steps below:

  • Login to your account
  • Tap the balance icon in the top right of the screen
  • Go to ‘Settings’ > ‘Withdraw funds’ then follow the instructions

The funds will be deposited into your nominated bank account and the minimum amount you can withdraw is $10. There may be a delay from when you make the withdrawal to when the funds show in your account – this will depend on your bank and could be up to three days.

Q2. What are my spending limits in MyLotto NZ?

The total MyLotto weekly and monthly spending limits are $150 and $500 respectively. Within this allowance, the spending limit for Instant Kiwi Online is $50 per week. You can also set your own personal spending limits lower than Lotto NZ’s rules.

If you want to set or change your personal spending limits within Lotto’s current allowance, login into MyLotto, click on your account balance, then ‘Settings’, then ‘Spending limits’.

Your weekly spending limit will reset on the following Sunday and your monthly spending limit will reset at the first day of the next month.

 Q3. Can lotto ticket online once purchased be cancelled?

Tickets bought in the app or online cannot be cancelled once the purchase has been confirmed. However, we make sure that you get the chance to check you’re happy with your purchase before you click ‘Buy Now’.

You are able to cancel tickets purchased in-store as long as it is on the same day, at the same store and before the draw.

Q4. Can my lottery ticket online be checked for prize at lottery store?

No you cannot. While you are able to print your MyLotto tickets for your own records, these cannot be checked at a retail Lotto store.

Of course, it’s really easy to check your ticket online after the draw has taken place – you can even watch an animated draw which checks the numbers on your ticket as the balls are drawn. MyLotto will automatically check all tickets overnight following the draw and let you know via your account if you have won any prizes.

Q5. Can I play Combo Tickets online?

Combo tickets in their usual form aren’t available to purchase on MyLotto – this is due to the potential cost of Combo tickets being outside MyLotto’s spending limits of $150/week and $500/month. It’s not possible to play Combo 9 or 10 on MyLotto for this reason.  Combo 8 does fall within MyLotto’s spending limits, so you can create a Combo 8 ticket on MyLotto. 

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