I found some bees or wasps, in my garden.
Auckland, New Zealand 13mm long head to abdomen, fluffy on thorax and head. Abdomen is orange brown with black stripes.
The nest or hive is underground (otherwise I'd suspect honey bee, though they seem a little smaller even than honey bee workers).
I managed to catch one eventually, but then I realised the container had oxide powder, so the bee in the attached picture is a lot blacker than it was in life. It is also dead ( just in case that's not obvious)
They don't seem to be aggressive - there is a new fence being built right past their nest, they don't seem to be bothered by it.
I am a beekeeper but only beginning, so I do have honeybee workers to compare it to, but not a whole lot of experience.
NOTE: it is autumn (fall) here - high temperature was 23° c (73° f)