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 Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
          • Interest Rate Predictions 2025
            • Money Sweetspot Review
            • 20 Property Investment Risks You Can't Ignore
            • Shares vs Property Investment
            • Milford vs ANZ KiwiSaver Growth Funds Comparison
            • Best Performing KiwiSaver Funds
            • Kernel Shares & ETF Investing Review
        • 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
      • Best Holiday Home and Airbnb Insurance Policies
      • 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
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX 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
      • NZCB Review
      • 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
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  • Banking & Savings
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  • KiwiSaver
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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AA Membership Review

AA Membership offers vehicle breakdown call-out, fuel discounts and other benefits for $89 a year (or $99 if you're based in Auckland) - our review looks at the pros and cons of the membership scheme and also alternatives for possible breakdown cover and fuel discount from other providers.
AA Membership Review
Updated 8 August 2024
AA Membership Summary:
  • With over one million members, it’s fair to say that the Automobile Association is highly popular among New Zealand car owners.
  • The AA (as an organisation) provides a range of services for drivers and vehicle owners, and carries out research and advocacy.
  • AA Membership combines access to the roadside support and car-related services and benefits with discounts on AA Insurance (such as car, home and contents, among others), further discounts and benefits from AA partner organisations are outlined here. AA Insurance is an independent joint venture between the AA and Suncorp, an Australian financial group, and not outwardly owned by the AA. 
  • With prices from $89 per year, our view is that AA Memberships offer an affordable benefit-heavy package. Additional loyalty bonuses (for memberships maintained over several years) offer further value, as do the ongoing discounts.
  • However, it's important to know membership covers the person, not the car - if you share a car in your household, add-on breakdown cover from car insurers will likely be cheaper. Our car insurance policy comparison outlines the add-on costs per insurer in detail.
  • We believe that the benefits should easily cover the cost even if you are lucky enough never to require assistance.

To outline AA Membership, the pros, cons and costs, our guide covers:
  • AA Membership cost and options
  • What does AA Membership give you?
  • Frequently Asked Questions
  • ​AA Membership - Pros, Cons, Alternatives and Our View
Learn More or join the AA

MoneyHub Founder Christopher Walsh shares his views on AA Membership:

"The AA offers a lot of value and protection, but its membership may not suit everyone. Arguably the most valuable benefit is breakdown cover, but most car insurers offer similar cover for a low annual add-on fee. And, unlike AA Membership, car insurers cover the car, not the driver. This means anyone driving the insured car is covered should breakdown assistance be required. This means if you share a car with your loved ones, they'd all need AA memberships if they're driving the car. This can get expensive.

At times of record petrol prices, it may seem tempting to join the AA - I suggest reading our guide carefully to see if you will get the benefits that make it worth the cost. It is debatable how much value AA membership offers for anyone who already has breakdown cover with their car insurance.

For the latest car insurance breakdown cover add-ons and benefits, visit our AMI vs AA vs State vs Tower and more comparison".
MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh

AA Membership benefits NZ

AA Membership options

There are three types of AA Memberships:
  1. Individual Membership is the standard membership open to anyone over 19 years of age. As outlined in the table below, the longer you are a member, the lower the annual fee. The AA rewards members for their loyalty.
  2. Associate Membership is for the spouse/partner of an existing AA member living at the same address. It provides the same benefits at just 50% of the standard cost
  3. Youth Membership has all the benefits of AA membership at a discounted rate for young people up to 19 years of age

Membership is slightly more expensive in Auckland than in the rest of New Zealand, and a loyalty bonus reduces the cost for length of membership – the longer you remain a member, the less you will pay to renew each year. The AA treats Auckland as based on New Zealand Post postcodes 0600-2697, excluding 0900-0920 and 0972-0986.

Current AA Membership prices are outlined on the AA website.

AA Membership Upgrade Options

There are also two upgrades to standard membership available for people who might benefit from some additional coverage – AA Plus and AA Motorhome, they are described below.

AA Plus
  • This package of services is aimed at people who spend a lot of time travelling around New Zealand.
  • The cover protects members from the risk of having a breakdown in a place from where they could not easily get home.
  • The service provides full vehicle recovery, a replacement rental car, emergency accommodation, and alternative transport home. 
  • Cost: AA Plus Membership costs an additional $54 per year, or an additional $27 if your spouse or partner living with you already has AA Plus.

AA Motorhome
  • This upgrade provides the same package of services as AA Plus, but it is tailored for owners of campervans who want additional coverage while they are off touring New Zealand.
  • Cost: AA Motorhome Membership costs an additional $80 per year.

AA Membership Review NZ

What does AA Membership give you?

AA Membership Review NZ

​Roadside Assistance

Most New Zealanders with AA Membership originally joined to access the 24-hour AA roadside assistance service. This extensive plan covers breakdown assistance, battery service if your car won’t start, key lockout service if you lose your key, tyre changes, temporary side glass replacement (i.e. if side-windows are broken), and towing to safety. Members, including youth members, can receive these services even if they are only the passenger in a car driven or owned by someone who does not have AA Membership.

Further to the above coverage, the AA will also assist with shattered windscreens and emergency fuel delivery.

Know this - there are some exclusions, but most are limits on the number of times a service is provided or the cost involved:
  • ​Some of these services are subject to conditions. Members have up to six free callouts per year for the first nine years of membership, with unlimited callouts after that. If you exceed your annual callout limit, there is a $60 charge per callout.
  • For lost car keys, the AA covers a maximum of $40 of locksmith labour charges for urban and $100 for other areas, with the member needing to cover any charges beyond that amount.
  • AA Plus or AA Motorhome offers up to $150 of locksmith coverage. 
  • Some services, such as the free temporary side glass replacement, may not be available in more remote areas
  • For vehicles that have broken down, AA Membership will cover towing to the nearest safe place or workshop where it can be repaired or stored. Top-up fees may be charged if the car needs to be towed more than 10 km. If the car needs to be towed again, it will be at the member’s cost.
  • Some services may be subject to restrictions if you are driving a rental car or you are less than 100 km from home

Members should also keep in mind that there are also several exclusions in addition to the above restrictions. Most are common sense rules relating to unlawful and outsized vehicles, they also pertain to the presence of the AA member. For example:
  • The AA will not repair or transport vehicles if it's dangerous or illegal to do so, if the vehicle has been stolen, is over the legal load limit, is carrying hazardous goods, or is more than 2.44 metres wide, 3 metres high, or 7 metres long.
  • The AA will also not deal with the vehicle if a member was not in it when it broke down. 
  • Assistance won't be provided if the member has a breakdown on a beach, is trapped or bogged, or breaks down while being driven off-road or on a non-public road.

Important - AA Membership is not a substitute for car insurance
AA Memberships do not cover vehicle parts, consumables or repairs at the repairer, breakdowns that are covered by the member’s insurance, or problems with electrical items in the vehicle, such as stereos and fridges. 
AA Membership Review NZ

Legal and technical advice

AA members are entitled to free technical and legal advice. This includes the AA 10-Point Check, a basic vehicle check-up to help you maintain your vehicle in excellent condition. The check covers the battery, engine oil condition and level, wiper condition and operation, washer, tyre depth, wear and condition, and lights.

Members can also call the AA Motoring Advice Helpline for free advice on car care, repairs and servicing, technical problems, and issues such as mechanical bills, and car exports and imports for personal use.
AA Membership Review NZ

Electric bicycles and Mobility scooters assistance

​Roadside assistance is also covered for mobility scooters and electric bicycles. If an electric bicycle is immobilised due to a flat battery, other electrical issues, damaged tyres, wheels or drivetrain, the AA will provide bicycle recovery to the member’s home address, vehicle, or place of repair. 

If a mobility scooter is immobilised by a flat battery, tyre or lost keys, and the member does not require any special personal assistance, the AA will provide vehicle recovery to the member’s home address. 

In both of the above cases, the attending vehicle will only be able to carry the member if it is legally permitted to do so. If the member needs to use an alternative means of transport, that will be at the member’s expense.
AA Membership Review NZ

Discounts on AA Insurance

AA Insurance provides a comprehensive range of insurance services, including car insurance, as well as general insurance policies ranging from home and contents to health, travel, and life insurance. Our insurance comparison guides include AA Insurance, which is regarded as a mid-market insurer in terms of pricing.

AA members receive a 5% discount on their first AA Insurance policy (and 10% on Pet Insurance) which can be car, home, contents etc. If you purchase more than one AA insurance product, the discount increases to 10% on each policy. For those who have been AA members for long enough, there is also a discount of up to $50 on car and home and contents insurance. The discounts are applied when you sign up or renew by quoting your policy numbers.

As a background, AA Insurance has an A+ (Strong) Insurer Financial Strength Rating from Standard and Poor’s, and is reviewed on our insurance comparisons in detail. 
AA Membership Review NZ

Discounts on other AA Services

AA members are eligible for discounts on the other services the AA provides, including AA Vehicle Inspections, Vehicle Servicing and Warrants of Fitness, and Vehicle Loan establishment fees.

Our view: Before entering any vehicle finance agreement, it's best to compare the options available. Our car finance guide outlines the latest offers, fees and top lenders who may be more affordable than AA Money's rates (depending on the borrower's affordability).
AA Membership Review NZ

AA Smartfuel (a petrol discount card)

AA members receive an AA Smartfuel card that saves on fuel and accumulate discounts at more than 1,200 retailers across New Zealand, including Countdown, BP and G.A.S.

How it works:
  • Members can accumulate more savings by using AA approved repairers, energy providers (i.e. Contact) and ASB's rewards credit cards. General discounts include 6 cents/litre at BP and G.A.S, with a minimum $40 spend. 
  • Households can link their cards to accumulate points faster.
  • The general idea is that you can get a discount of up to 30 cents a litre on petrol, but the discounts vary. 
  • Important: You can't combine discounts. For example, a 30 cents off petrol offer, and another for 6 cents off cannot combine to 36 cents. 
AA Membership Review NZ

Other benefits

AA members can also receive a range of worthwhile benefits from partner organisations:
  1. Free eye test at Specsavers every two years at Specsavers
  2. Free dermatologist exams for problem spots and discounts on full-body consultations at Skin Institute
  3. Free hearing screening and full diagnostic tests if hearing loss is detected at Bay Audiology and Dilworth Hearing

Discounts around New Zealand
  • Travel and attractions: An AA Membership card will get you discounts on car and campervan rentals, accommodation, Interislander ferries, scenic trains, and entry to attractions like Hanmer Springs Thermal Pools & Spa, MOTAT, Sea Life Kelly Tarlton’s, Rainbow’s End and Big Boys Toys.
  • Retailers: AA Membership gives you access to discounts on purchases at Torpedo7, tickets at Event Cinemas, and when sending flowers and gift baskets online with Teleflora or Petals Network.

Assistance abroad
AA members travelling abroad can access reciprocal services from other AA organisations in other countries.​

AA Membership Review NZ

AA Membership - Frequently Asked Questions

Our list of common questions below helps explain AA Membership further. 

​How much is a AA Membership?

Individual adult membership starts from $89 - the AA Membership cost and options table has more details. 

Does AA membership cover the car or the person?

AA Membership covers you, not the vehicle. This means it doesn't matter what car you're in, nor if you're the driver or the passenger. If you have an AA Membership, you can use the call-out service and make use of any of the benefits. 

Can I add someone to my AA Membership?

​Yes - existing members can add their partner or spouse for half the price if you're both living at the same address. You can also add children up to the age of 19 under the Youth Membership, above that age they would need to purchase their own Individual Membership.

Does AA cover family members?

​No - AA Membership is strictly for the person, not the vehicle. This means individual memberships are required, but AA does offer discounted Youth Membership and the "Associate Membership" can be purchased for your partner, which is half the price of the regular membership.

Are there alternatives to AA Membership?

​Yes - many car insurance companies offer breakdown cover. The first difference between the insurer policies and AA Membership is that the car is covered, not the person (as is the case with AA Membership). This means anyone driving the insured car is covered should breakdown assistance be required. The second difference is the price and benefits - car insurance breakdown is added on to a policy for around $40/year, but it doesn't include the petrol and other discounts which AA Membership offers. 

Popular roadside assistance options offered as insurance add-ons include:
  • AMI Standard Breakdown Service - around $50 a year
  • ASB Roadside Rescue - $40/year
  • State Roadside Rescue - around $30/year
  • Tower RoadWise® roadside assistance - around $50/year

Can I join AA and use it immediately?

Yes - there is no stand-down period, but you can't join online and request a call-out on the same day. If you need roadside rescue and don't have AA Membership, you can sign up on the phone for $195 (the Non-Member rate). 

If you join in advance, you'll avoid the $195 fee and can use the benefits (cheaper petrol, discounts at retailers) immediately.

Does AA Membership cover windscreen repairs?

No - but AA Membership offers discounted windscreen repair and replacement.

Can I pay my AA membership monthly?

No - AA Membership is charged annually.

AA Membership Review NZ

AA Membership - Pros, Cons, Alternatives and Our View

Our Pros and Cons summary outlines AA Membership in a nutshell. Our view is that the annual cost is a fraction of the total cost of running a car, and even if you don't use the additional services, the breakdown cover (up to six per year) and loyalty discounts make it worthwhile. However, it won't be for everyone and add-on products and services (WOF, insurance, petrol etc) may not be the best value for your needs. 

Pros
  • Multiple call-outs - up to six per year, for a flat fee of $79 or $89 per year
  • Cheaper membership year after year if you stay loyal to the AA
  • Discounts and freebies, covering everything from car inspection, WOF, petrol savings and more
  • Cheaper to buy in advance ($79 or $89 per year) than joining on the roadside (which costs $195, valid for one year)

Cons
  • Membership covers the person, not the car. This means if you have one family car and four drivers, you would need to sign up for four AA Memberships which will cost over $200/year. Insurance company breakdown cover, around $40 per vehicle, is comparatively cheaper.  
  • Petrol discounts may not be significant from some retailers, especially when supermarkets routinely offer 6 cents/litre petrol and petrol stations (Mobil being one example offer 10 cents/litre discount).
  • AA Insurance does not outperform any other insurer in our car, home, contents and pet insurance comparison reviews, so the discounts offered may not make their policies the cheapest (or best) for your needs.

Bottom Line:
  • AA Membership is an affordable safeguard for anyone driving on New Zealand roads. With annual pricing ranging from $79 to $89 for new members (and dropping as members renew), it's a small optional fee in the overall cost of running a car. 
  • With an extensive list of benefits and up to six breakdown call-outs per year, the pricing is attractive. But if your car insurer offers roadside assistance, the annual service usually costs half the price of AA Membership. This makes it a strong alternative.
  • AA claims that they reach 90% of breakdowns within the hour and 92% are mobilised at the roadside.

Know this: If you break down and don't have AA Membership, it costs $195 to join at the roadside with a credit card. There is a $50 discount if your partner or spouse is an AA member, though they must be living at the same address as you. The membership then renews in one year at the standard rates. ​

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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • For Startups
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  • MSD
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
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  • Broadband
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    • Internet Speed Test
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  • Power
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 20 Frugal Decisions That Often Backfire
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      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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      • Tips for Families on a Single Income
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    • Valuable Insights
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
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  • Financial Independence
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      • FIRE Explained
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    • FIRE Tools
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      • SortMe Review
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    • Tax
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      • Salary Sacrifice in New Zealand
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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