Huan Di Zhang and Hui Gao asked Westpac Bank for a $10,000 (£4,900) overdraft but instead received a deposit of $10m (£4.9m), according to the New Zealand Press Agency.
The pair are believed to have owned a petrol filling station in the North Island tourist resort of Rotorua, which has since shut down and been put into receivership.
"The individuals associated with this account are believed to have left New Zealand," said Detective Senior Sergeant David Harvey of New Zealand Police.
"Police (are) working through Interpol to locate those individuals," he went on.
"Westpac Bank has recovered some of the money which had been inappropriately withdrawn."
He did not say how much had been recovered and refused to confirm any other details about the case.
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