She was visiting her parents last weekend and was in bed when she realised.
"I just stood there shaking in my nightie holding my phone towards them and said, 'Guys - I've won $10,000!' I was beside myself.
"Dad was pretty sceptical so grabbed my phone to double check what I was seeing - that's when he said, 'Honey, that says $10 million, not $10,000'."
The trio were "absolutely stunned".
The woman decided to buy a ticket as the proceeds were going to quake-ravaged Kaikoura.
She planned to use some of the money to reunite her family for the first time in more than a decade. She would also give $1 million to her siblings, who have lived overseas for years.