LennonNZ: Also I tried side loading Google Wallet and it installed ran fine but to "make it work" you need to prove you are a USA resident with your SS number etc :-(

Only if you changed your Google account to have a US address.

I had done that to get Google Play Music before it released here and couldn't change it back. I created a second account with NZ only details and it worked perfectly, added card etc, but when using at an NFC Eftpos terminal I got rejected for unsupported international transaction.