MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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2degrees Mobile Review

2degrees mobile review
Updated 12 May 2025
​What is 2degrees like for the average mobile customer? Our research team has taken a closer look to find out the plans, coverage, pros, cons, pricing and roaming options to see what’s what. It has been more than ten years since 2degrees launched in New Zealand with promises of cheaper rates and better service. Is 2degrees the best mobile network choice? Our guide covers:
  • 2degrees Mobile Prepay Plans
  • 2degrees Mobile Monthly Plans
  • Network coverage
  • Phone selection
  • Customer service
  • 2degrees roaming options
  • 2degrees in the news
  • Conclusion
  • 5 Must-Know 2degrees Facts and Tips
  • Making a Complaint about 2degrees to the TDR

Want to share your experience with 2degrees? Email our research team. 
​

2degrees Mobile Prepay Plans

Plan NameData Limit (in GB)MinutesPriceDays
1GB Carryover data1100 $11 14
3.5GB Carryover data3.5150 $19 14
7GB Carryover data7250 $24 14
40GB Carryover data40Unlimited $34 14
150MB Carryover data0.15100 $8 30
600MB Carryover data0.6100 $13 30
1.5GB Carryover data1.5200 $19 30
3GB Carryover data3250 $25 30
4.5GB Carryover data4.5300 $35 30
10GB Carryover data10Unlimited $45 30
50GB Carryover data50Unlimited $60 30
Unlimited Carryover data150Unlimited $85 30
2degrees currently offers several plans, split into monthly and fortnightly, that include data and minutes (to New Zealand and Australia) as detailed above.
Benefits include:
  • Included minutes can be used to call New Zealand and Australian landline and mobile numbers. 
  • Unlimited free calling to any 2degrees mobile number
  • Unlimited texts to NZ and Australia:
  • Free Data Hour every day - 2degrees offers 1 hour free mobile data every day only available from their Data Clock app. Customers need to go into the app every day to redeem their hour. See further details here.
  • Hotspot functionality included at no extra cost, so other devices can connect connect to your mobile and get online.

Be aware: Any unused Carryover minutes and data rolls over to the next month, up to one year, providing the Carryover Combo remains active. Customers have a maximum of 3 months 'holding period' after the Carryover Combo period ends. If the plan is not renewed, all Combo accrued carryover minutes and data will expire.

2degrees Prepay Summary:
  1. Overall, if you’re looking for an affordable pay-as-you-go deal that matches your data and calling needs that is both flexible and reliable, 2degrees delivers.
  2. The rates and plans are standard and mirror those offered by Spark and oneNZ, although for irregular phone use, the packages from Skinny Mobile and Warehouse Mobile can deliver better value.
  3. The plans are structured to match your pay schedule, so you can pay your mobile plan when you get paid, either monthly or fortnightly.
​

Compare 2degrees Prepay

2degrees Mobile Pay Monthly Plans

Plan NameData Limit (in GB)MinutesPriceDays
5GB Carryover data5300 $40 30
10GB Carryover data10Unlimited $50 30
80GB Carryover data80Unlimited $65 30
Unlimited Max Speed dataUnlimitedUnlimited $80 30
2degrees offers a number of monthly plan options, with something to suit anyone who regularly uses their phone for data and/or calls. The plans are all open, meaning there is no fixed-term contract. Better yet, 2degrees encourages plans connecting two, three or four people to one account to use data allowances collectively. If you have outgrown prepay or want better value for money on data, one of 2degrees' monthly plans could provide the solution.

Benefits: 
  • If you're part of a family or group of friends looking for better value monthly plans, 2degrees allow customers to share one allotment of data and enjoy unlimited phone calls within New Zealand and to Australia. The plans start at $40 (based on two people sharing), and all plans allow hotspot and tethering. 2degrees explains the package in more details here.
  • All plans allow tethering/hotspot use, meaning you can use your phone (and the data allowance) to connect other devices to the internet. As a comparison, Spark and oneNZ require unlimited plan customers to buy hotspot use as monthly add-on service. 
  • All monthly plans include unlimited minutes and texts to both New Zealand and Australia numbers.
  • ​You can buy a new phone and spread the cost over 1-3 years, interest-free. Our Phone selection summary below explains the options in detail.
  • You can share data with up to 5 other people, so long as they are 2degrees customers, 
  • 2Degrees offers mobile plan discounts for eligible frontline workers in New Zealand. Check out the Kiwi Hero Plan to see if your job is listed.   

What to watch out for:
  • Roaming plans are not competitively priced when compared to oneNZ and Spark - read our roaming guide. If you're planning to travel overseas, buying a local SIM card will most likely be significantly cheaper than paying 2degrees' roaming data prices.
​

Compare 2degrees Pay Monthly Plans

Network coverage

2degrees promotes that its mobile network "covers over 98.5% of the population. Where 2degrees doesn't have its own network, it has an agreement with oneNZ to use its service. Independent data, which we present below, confirms the wide coverage 2degrees offers. If you're in Auckland or any other main city or town, chances are you'll receive a constant 4G signal. 

But, before going any further, the best idea is to see if where you live, where you work and other places you spend regular time in are covered by 4G. Visit the 2degrees network coverage map and insert your address, and cross-check using this tool to make sure you're covered.

4G is as good as it gets in New Zealand, and no network has made any announcement regarding 5G, as it is subject to government legislation and regulatory approval. You can read more about 5G here.
​

2degrees NZ 4G network
2degrees' 4G Network as at April 2019

Phone selection

2degrees recognises that the majority of New Zealanders looking for a new phone want an Apple, Samsung or Huawei. This is reflected in on 2degrees' website and its 60 stores around New Zealand.

2degrees also offers low-cost brands, including Alcatel, MobiWire and OPPO. As is the case with any mobile network, new phones come with the following terms, conditions and optional extras:
  • Interest-free terms (most of the time): 2degrees offers 12, 24 and 36 months interest-free deals. What you pay is the total cost of the phone, the plan and an initial deposit (minimum $29, but you can put down as much as $499), divided by the number of months you select for the plan. For example, if your phone was $1,200 and you selected a plan costing $50 per month, your monthly cost would be $150 ($1,800 total cost, divided by 12 months). 
  • Cancel a plan and you'll owe the balance left to pay on the phone: If you downgrade your plan, transfer it or leave 2degrees altogether, you will have to repay the balance of the phone. For example, if you are 6 months through a 12-month plan and the phone originally cost $1,200, you'll need to pay $600 immediately to terminate.
  • Phone insurance: 2degrees does not offer phone insurance, leaving Cove Insurance as the only specialist option. Read our phone insurance guide for more details.
​

2degrees support NZ
In a single test using Facebook Messenger, 2degrees Support suggested it would take two business days to respond to a simple question.

Customer service

Like Spark and oneNZ, 2degrees has a comprehensive online support system, which includes phone support. Unlike Spark and oneNZ, however, it's not 24/7, and there is no online chat via the 2degrees website. 

Instead, customers are directed to call 200 from their 2degrees mobile (or 0800 022 022 from other phones) between 8am and 8pm, Monday to Saturday, or 10am to 8pm Sundays and public holidays. While 2degrees invites customers to use Facebook Messenger, our single test chat received an automatic response that a human reply would arrive in two business days.

The best way to avoid any chance of issues with 2degrees, or any service provider in general, is to get your quote or package inclusions in writing, make sure you understand the package in detail and put a limit on your account so bills can't get out of control. 

Should you run into any problems over the service you receive, 2degrees sets out detailed information about making a complaint.
​

2degrees roaming costs NZ

2degrees Roaming options

2degrees offers $8 per day roaming to over 100 destinations worldwide. This automatically applies when the data, text or call is used overseas. 
For further details, read our mobile data roaming comparison guide. ​

Australia:
  • No additional cost for data, text and call.

$8 daily roaming includes data usage, unlimited texts and outgoing calls to the following countries and NZ:
Australia, Anguilla, Antigua & Barbuda, Argentina, Aruba, Austria, Barbados, Belgium, Bermuda, Brazil,British Virgin Islands, Bulgaria, Canada, Cayman Islands, Chile, China, Colombia, Cook Islands*, Costa Rica, Cote D'Ivoire (Ivory Coast), Croatia, Cyprus, Czech Republic, Denmark, Dominica, Dominican Republic, Ecuador, El Salvador, Estonia, Fiji*, France,  Germany, Ghana, Greece, Grenada, Guatemala, Guernsey, Haiti, Hong Kong, Hungary, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Kenya, Latvia, Liechtenstein, Lithuania, Luxembourg, Macau, Macedonia, Malaysia, Malta, Mexico, Mongolia, Montenegro, Montserrat, Morocco, Nauru*, Netherlands,  Norway, Panama, Papua New Guinea*, Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Romania, San Marino, Saudi Arabia, Serbia, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Sweden, Switzerland, Taiwan, Thailand, Tong*, Turkey, Turks & Caicos, United Kingdom, United States, Uruguay, Vanuatu*, Vatican, Vietnam and Western Samoa*.

*Additional $1/min to receive calls

Destinations not listed above requires a $57 Roaming Add-On and the following charges apply:
  • $3.45 per minute to call anywhere in the world**
  • $1.15 per minute to receive any call
  • $0.91 a text sent to anywhere in the world**​
​**Does not include premium or satellite numbers.​

No service destination countries:
American Samoa, Andorra, Bahrain, Burkina Faso, Central African Republic, Chad, Comoros, Eritrea, Ethiopia, Falkland Islands, Iran, Libya, Madagascar, Malawi, Marshall Islands, Mauritania, Mayotte, Monaco, Netherlands Antilles, Niue, North Korea, Palau, Pitcairn, Reunion, Saint Helena, Saint Pierre and Miquelon, Senegal, Somalia, Swaziland, Syria, Togo, Tunisia, Turkmenistan, Tuvalu, US Virgin Islands, Venezuela, Wallis and Futuna, Western Sahara
​
Renewal: In $8 per day roaming destinations, the daily rate applies each day you use your phone, including to make or receive calls (including via voicemail), send texts or use data. 300kbps max speeds apply in some destinations. After 1GB of max speed data per day max speeds reduce to 128Kbps. A day is 00:00 to 23:59 NZ time. 
​

2degrees mobile review

2degrees in the news

  • 2degrees appears in the media frequently, but rarely for anything to do with mobile plans, prices and services. However, in April 2019 2degrees announced a more generous 'unlimited' data plan. It also permits tethering and hotspot - oneNZ and Spark charge for this as an optional extra. 
  • Recent media reports announced that 2degrees is profitable, despite being a relatively new entrant to the New Zealand mobile sector and investing heavily in infrastructure. This could suggest price stability, continued investment in technology and new benefits being introduced.
​

Conclusion

2degrees offers a number of options for customers looking for fast 4G data and calling perks. Benefits include:
  • Prepay Plans - The cheapest data and minutes prepay plan is $10 and the most expensive is $70 with data carryover. They also offer an Unlimited NZ Data prepay option for $85. All allowances are valid for one month. Standout features include free, unlimited calls to other 2degrees numbers, one free hour of data every day for carryover plans and hostpot functionality on all plans free of charge.
  • Monthly Account Plans - all plans let you tether and hotspot, including the unlimited plan. Every data and voice plan comes with a decent number of minutes (200+). 
  • New phones with $29 deposits - You can buy a new phone and spread the cost over 1-3 years, interest-free. You will be billed for your plan and phone all in one every month. 
  • 4G New Zealand-wide - 2degrees promotes that their mobile network "covers over 98.5% of the population, with 4G widely available and plans for 5G underway. 

The only, or at least the most significant limitation, is the roaming options. The data is expensive, and there are few countries covered with 'affordable' rates. A local SIM may be a better option for any customer heading overseas for at least a couple of weeks. Read our data roaming guide.
​​

2degrees mobile review

5 Must-Know 2degrees Facts and Tips

MoneyHub New Zealand

2degrees' 'Unlimited data' package is the most 'unlimited' offered in New Zealand

2degrees' unlimited data plan slows down after 40 GB, which is superior to oneNZ and Spark's 22 GB threshold. Better still, 2degrees is the only network to allow tethering and hotspot use without being charged an add-on fee. The price is $5/month above oneNZ and Spark, but the benefits and savings are worth much more.
​
MoneyHub New Zealand

Prepay credit expires after 365 days without exception

Money loaded on a Prepay account remains available for 365 days, unless otherwise stated. The minimum top up amount is $20. 
​
MoneyHub New Zealand

2degrees doesn't offer the freebies Spark and oneNZ do

Monthly plans from established networks are heavy on perks, 2degrees offers very few perks when compared to other providers. 
2degrees mobile review
MoneyHub New Zealand

2degrees accepts all forms of payments

2degrees accepts credit cards, debit cards, automatic payments and you can pay by cash or EFTPOS at any 2degrees store. You can also send cheques to their head office. 
​
MoneyHub New Zealand

2degrees no longer offers Trade Ups

2degrees has discontinued the option to Trade Up, only customers who bought their phones on or before the 31 January 2020 might be eligible to turn in their phones when the 12 or 18 month period is reached. Full details can be found here.
​

​

complain about 2degrees

Making a Complaint about 2degrees to the TDR

Telecommunications Dispute Resolution (TDR) deals with complaints from consumers about any product or service provided by their telecommunications company. As a 2degrees customer, you have the right to make a complaint. It's a free and independent service, but you will need to follow their process to progress a complaint.

Before you complain, you'll need to raise the issue with 2degrees directly
  • 2degrees is a member of TDR, but you will need to raise a complaint with their customer service first.
  • Once you have done this, you must wait for a response.
  • 2degrees will respond, but if you are unable to agree with their response and your complaint becomes deadlocked, after six weeks have passed you can raise a complaint with the TDR.

The process of complaining with TDR is outlined here. Their helpful FAQs describe what you can expect, and present case studies about recent complaints about telecommunication companies in general. The process is impartial, and once a decision is made, 2degrees will (usually) abide by the ruling should it be in the wrong.
Related guides:
  • Spark Mobile Review
  • oneNZ Mobile Review
  • SIM-only Mobile Plans
  • Mobile Data Roaming
  • Credit Scores and Credit Checks
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