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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Apple Watch Series 8 - The Definitive New Zealand Buying Guide

​Our guide explains the main things you need to know about the latest version of the Apple Watch, its variations, screen protection options, features and frequently asked questions.
Apple Watch Buyers Guide NZ
Updated 9 April 2023
Summary:​
  • The Apple Watch is a smartwatch that can help you keep track of your training goals and physical activity. It is designed to be used in conjunction with an iPhone and provides access to many of the activities you usually carry out on your phone.
  • There are three different versions of the current Series of the Apple Watch: the Apple Watch SE is the budget version of the Apple Watch, so it offers slightly less functionality. The Apple Watch has additional capabilities like ECG and body temperature sensors, and its case is available in various materials and colours. Finally, the Apple Watch Ultra is aimed at users who want the insights of a smartwatch while exercising in harsh environments like extreme cold or high altitude.
  • It is strongly advised to fit a screen protector on your Apple Watch to avoid cracks or scratches on your device. A screen protector is not a standard offering, but MoneyHub users report damage during everyday use when one isn't fitted which immediately reduces the enjoyment of an Apple Watch. With the cost around $20 (protecting a $500+ investment), they're available from dedicated shops like Screenhug that sell protective cases, or you can find them from shops like Harvey Norman and PB Tech.
  • You can buy brand-new or refurbished Apple Watches, just make sure the vendor is reputable and consider the warranty period they offer.

To help you shop with confidence, our guide covers:
  • What is an Apple Watch?
  • What types of Apple Watch are available?
  • What can I do with an Apple Watch?
  • Does the Apple Watch need any add-ons?
  • Should I buy a new or refurbished Apple Watch?
  • Frequently Asked Questions

What is an Apple Watch?

  • ​Apple Watch is a smartwatch developed by Apple Inc. It is a device worn on the wrist that connects to an iPhone and provides a variety of features and functionality.
  • The watch can be used for fitness tracking, monitoring your heart rate, making and receiving calls and messages, and controlling other smart devices.
  • It also allows you to access many apps, such as music and weather, and it can be customised with different watch faces and bands.
  • The watch also has many features that can work independently of the iPhone, such as GPS, cellular connectivity and the ability to stream music with just the watch.
  • Additionally, the latest Apple Watch (Series 8) has advanced health tracking features such as ECG, a temperature sensor, fall detection and car crash detection capabilities.
  • With the Apple Watch, you can stay connected and on top of your health and fitness goals, accessing all this information from your wrist.

Apple Watch Options NZ

What types are available?

​There are three models of the current Apple Watch (Series 8): 
Apple Watch SE
​Apple Watch
Apple Watch Ultra
Price from
$469
$729
$1,499
Sizes
40mm, 44mm
41mm, 45mm
49mm
Case material
Aluminium
Aluminium, Stainless Steel
Titanium
Case colours
3
6
1
Wristband options
8
8
3
Features
  • ​Emergency SOS
  • International emergency calling
  • Fall Detection
  • Crash Detection
  • High-g accelerometer
  • High- and low-heart-rate notifications
  • Irregular rhythm notification
  • Cardio fitness notifications
  • Menstrual Cycle tracking
​All of the Apple Wach SE features, plus:
  • Blood Oxygen app,
  • ECG app,
  • Body temperature sensing,
  • Higher resistance to dust
  • Provide ovulation estimates
​All of the Apple Watch features plus:
  • Brighter screen (2,000 nits) twice as bright as the other models
  • Titanium build
  • More accurate GPS (dual frequency)
  • 86-decibel Siren to attract attention
  • Swim-proof and recreational diving to 40 metres
  • Longer battery life (36 hours normal mode / 60 hours low power mode)
  • Measure water depth and temperature
  • Tested for functionality in extreme conditions
  • Customisable Action button

Apple Watch SE

Link: Apple Watch SE
Price: Starting from $469
​
Features in a Nutshell:
  • ​This is the cheapest version of the watch but still offers great functionality, including tracking your workouts and activity goals, display from your albums, play music or podcasts, make payments with apple pay, make emergency calls, detect fall and crashes and provide notifications about cardio fitness and heart rate anomalies
  • The differences against the Apple Watch are that it is slightly less dust-resistant, does not offer the option of “always on” display (which means that the screen is off when your wrist is down) and is incapable of measuring blood oxygen, ECG, and sensing body temperature.
  • It’s less customisable than the Apple Watch as the case can only be made of aluminium and comes in only three colours, but both models share all the same wristbands.
  • It comes in two sizes: 40mm and 44mm.

Apple Watch Series 8

Link: Apple Watch Series 8
Price: Starting from $729

Features in a Nutshell:
  • As mentioned before, in addition to all the features of the SE model, this watch can measure blood oxygen, run the ECG app, is more resistant to dust, can sense temperature changes, can track the menstrual cycle and provide ovulation estimates.
  • This model is available in two different sizes: 41mm and 45mm, and is highly customisable: the case material can be on either aluminium or stainless steel; the case finish can have the following colours: midnight, starlight, gold, silver, graphite or red and there are eight wristbands from which to choose.
  • Minimum requirements for Apple Watch Series 8: Apple Watch Series 8 requires an iPhone 8 or later, running iOS 16 or later.

Apple Watch Ultra

Link: Apple Watch Ultra
Price:
Starting from $1,499


Features in a Nutshell:
  • This version of the apple watch is aimed at people who are seriously into sports and would like information from a smartwatch in extreme conditions (underwater, at high altitudes, and very high or very low temperatures).
  • This watch is made from titanium so it can withstand harsh environments, is equipped with a screen twice as bright as the regular watch, can provide more accurate GPS tracking thanks to its dual frequency capabilities and offers a longer battery life (36 hours of normal use or up to 60 hours on low energy mode).
  • It is also equipped with an “action button” that can be customised to perform specific programmes or routines and a loud siren (86 decibels) to attract attention in case of an emergency.
  • This model is less customisable than the others as the case does not come in different colours, materials or sizes. However, there are three options for wristbands aimed at specific physical activities:
  1. Trail loop (for trekking, hiking or running), alpine loop (for
  2. Mountaineering) and the ocean band (for swimming or diving).

eSIM Technology and Cellular functionality

The Apple Watch is equipped with eSIM technology, a virtual SIM card that offers the functionality of a regular SIM card but does not need to be physically replaced to switch plans or providers. Thanks to its eSIM, the Apple Watch offers a cellular function that can let the watch perform many of the activities a phone would do. This requires the user to take out a contract with their mobile carrier.

In New Zealand, Spark is currently the only carrier to offer this service through their One Number Wearable plan, but other carriers might soon introduce similar plans; for example, One NZ (previously known as Vodafone) has announced the launch of eSIM plans for 2023.  
 
The cellular function on an Apple Watch allows it to connect to the internet and make phone calls using a cellular data plan, independently of an iPhone. This means that the user can leave their iPhone at home and still receive calls, texts, and use certain apps on their Apple Watch, as long as they have an active cellular connection.

On the other hand, the Wi-Fi function on an Apple Watch enables the device to connect to a Wi-Fi network, typically in range of the user’s iPhone, to access the internet and receive notifications. While the Wi-Fi function allows the Apple Watch to perform many of its basic functions, it cannot make phone calls or send texts unless paired with an iPhone. This page lists the activities you can perform on an Apple Watch when connected to a wifi or cellular signal and when offline.  

The Apple Watch interface

​The interface of the Apple Watch itself is highly customisable, letting the user select different “faces” and “complications”. The face of an Apple Watch refers to the screen that displays the time and other information (widgets, apps, complications). Users can customise the watch face by selecting a pre-installed design or creating their own using photos, colour schemes, and complications. The watch face is the main interface that a user interacts with on the Apple Watch and is designed to be both functional and aesthetically pleasing.
 
Complications are customisable widgets that display information quickly and prominently on the watch’s face. They can show information such as the date, time, battery level, weather, calendar events, activity tracking data, and more. They are designed to provide quick access to frequently used information without having to open an app.

What can I do with an Apple Watch

What can I do with an Apple Watch?

​The Apple Watch is a powerful device that can offer many benefits and convenience, from fitness tracking to quick access to notifications. An Apple Watch can do many things, including:
  • Health and fitness tracking: The Apple Watch can track your heart rate, steps, calories burned, and other health and fitness metrics.
  • Hands-free control: With an Apple Watch, you can control your music, receive notifications, make calls and send and receive text messages without having to take your iPhone out of your pocket or bag.
  • Apple Pay: With an Apple Watch, you can make payments using Apple Pay without needing your iPhone or credit card.
  • Siri: You can use Siri on your Apple Watch to set reminders, send messages, and perform other tasks hands-free.
  • Standalone functionality: With cellular connectivity, the Apple Watch can work independently of your iPhone, meaning you can make calls, send messages, stream music, and more without your phone.
  • Fitness tracking: The watch can track your workouts, set fitness goals and give you personalized coaching.
  • Heart rate monitoring: You can monitor your heart rate throughout the day and track your overall cardiovascular health.
  • ECG, fall and car crash detection: With the latest series of Apple Watches, you can take an electrocardiogram (ECG); the watch can also detect if you've fallen or been in a car crash.
  • Menstrual cycles and fertility: The latest version of the watch can also keep track of the menstrual cycle and provide estimates on ovulation dates.
  • Noise alerts: The Watch can send you notifications if the ambient noise around you is too loud, which can help prevent hearing loss.
  • Remote control: You can use your Apple Watch as a remote control for your iPhone camera, taking photos and videos without having to hold your phone.
  • Find My: You can use the "Find My" feature on your Apple Watch to locate your iPhone, even if it's on silent or vibrate modes.
  • Emergency SOS: You can quickly call for help in case of an emergency by pressing and holding the side button on your Apple Watch.
  • Walkie-Talkie: The Walkie-Talkie app on the Apple Watch allows you to have a one-to-one conversation with another person with a watch.
  • Noise alerts: The Watch can send you notifications if the ambient noise around you is too loud, which can help prevent hearing loss.
  • Apple Maps: the watch can provide turn-by-turn directions with Apple Maps
  • Sleep tracking: Some third-party apps allow you to track your sleep on the watch, giving you insights into your sleep patterns and quality.
  • Swimming tracking: The latest Apple Watches are water-resistant and can track your swimming, giving you metrics on laps, distance, and calories burned.
  • International Emergency Calling: With an Apple Watch Series 5 or later, you can make an international emergency call if you're travelling abroad and your iPhone isn't nearby.
 
Know This: Some of these features may vary depending on the model and generation of Apple Watch. The above list may not be exhaustive and the features are subject to change with the release of new software updates.

Does the Apple Watch need any add-ons?

Despite the Apple Watch being dust-resistant, we suggest purchasing a protective screen to avoid cracks and scratches. We've heard from MoneyHub users about how easy it is to scratch one of these watches, and adding a simple screen protector can keep your device in better shape for longer. There are dedicated shops like Screenhug that sell protective cases, or you can find them from shops like Harvey Norman and PB Tech.
 
Other popular additions to an Apple Watch include charging docks or additional bands to make it more convenient to charge and wear the device. 

Should I buy a new or refurbished Apple Watch?

When deciding whether to buy a new or refurbished Apple Watch, you should consider the following factors:
  1. Budget: Refurbished Apple Watches are typically less expensive than new ones, making them a good option for those on a budget.
  2. Warranty: New Apple Watches come with a one-year limited warranty, while refurbished ones might provide a shorter warranty.
  3. Condition: Refurbished Apple Watches may have cosmetic imperfections or signs of previous use, while new ones are in pristine condition.
  4. Trust: If you're concerned about buying a refurbished device, you may feel more comfortable purchasing a new one directly from Apple or an authorized retailer.
  5. Availability: Refurbished Apple Watches may not always be in stock or available for purchase, so you may need to check multiple sources to find the model you want.
 
You can purchase refurbished Apple Watches directly from Apple or from New Zealand companies specialising in refurbished devices like GoodTech.

Frequently Asked Questions

Frequently Asked Questions

What are the features of an Apple Watch?

An Apple Watch can track fitness and activity, make and receive phone calls, send and receive texts, play music, and run apps, among other things. This page lists many activities you can do on an Apple Watch online and offline.

What's the difference between Series 8 and SE?

The Series 8 has additional features, such as ECG capabilities and sensors for blood oxygen and body temperature. In contrast, the SE has a more budget-friendly price and does not provide those features.

Can an apple watch connect to an android phone?

An Apple Watch is designed to work exclusively with an iPhone. As such, it is not designed to be compatible with Android devices. However, there are reports of people successfully pairing their Apple Watches with android phones. Still, it is not a simple process, and they can only access a subset of the watch's functionality, and it's largely not worth the effort. Therefore, buying an Apple Watch is recommended only if you use an iPhone.

Does the Apple Watch need to be paired with an iPhone to work?

Yes, an Apple Watch requires an iPhone to set up and access many of its features.

How do I charge my Apple Watch?

​You can charge your Apple Watch by placing it on the magnetic charging dock.

How do I install apps on my Apple Watch?

You can install apps on your Apple Watch by downloading them through the App Store app on your iPhone.

Can I use my Apple Watch for fitness tracking?

Yes, the Apple Watch has built-in fitness tracking features and can track your steps, calories burned, and more.

How do I customise the watch face on my Apple Watch?

You can customise the watch face on your Apple Watch by selecting a pre-installed design or creating your own using photos, colour schemes, and complications.

Can I use my Apple Watch without an internet connection?

Yes, as mentioned on this page, you can still use some features on your Apple Watch without an internet connection, such as the watch face, fitness tracking, and music playback. 

Can I use my Apple Watch internationally?

​Yes, you can use your Apple Watch internationally, but you may need to purchase a cellular plan or add a roaming plan if you want to use cellular connectivity.

Can I buy an Apple Watch from a third-party retailer?

​Yes, you can purchase an Apple Watch from authorised third-party retailers, but it is important to ensure that you buy from a reputable source.

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