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
        • Kernel Shares & ETF Investing 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 101
        • 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
        • Shares vs Property Investment
        • 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
        • 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
        • Bank Credit Ratings
        • Depositor Compensation Scheme (DCS) Explained
        • 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
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • 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
      • Money Sweetspot 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
        • Cove Car Insurance - Real Customer Reviews & Facts
        • 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
      • Open a USD 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
      • Interest Rate Predictions 2025
      • 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
      • 20 Property Investment Risks You Can't Ignore
      • 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
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • 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
      • Attending the Singapore FinTech Festival
  • 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
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  • Banking & Savings
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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    • Health & Personal Care
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  • Trade Services
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    • Hamilton Trade Services
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The Beginner's Guide to Everything Bitcoin and Blockchain

Our guide explains the different types of blockchain powering cryptocurrencies, how they work, why they're so disruptive to the status quo and the parties involved in the ecosystem of a cryptocurrency. We cover ICOs, risks, misconceptions and more.
NZ Guide to Everything Bitcoin and Blockchain
Updated 7 August 2023

Summary
  • Bitcoin, cryptocurrencies and the underlying blockchain technologies which power these decentralised payment instruments regularly make their way into New Zealand media. It can be unsettling to think you're missing out on an investment opportunity that you don't understand, but cryptocurrency has a lot of risks.
  • Sometimes you'll hear about dramatic price rallies and fortunes made, or large-scale hacks where investors lose eye-watering amounts of money (such as the Cryptopia scandal). Other times, you might hear about innovations in e-commerce and international trade, or wide-reaching money laundering operations where criminals benefited from the relative anonymity of Bitcoin.
  • Regardless of the current sentiment towards cryptocurrencies, blockchain, and cryptographic currencies are innovative inventions. The use of blockchain goes much further than being a payment network. The technology is being trialled in numerous sectors where transparency is paramount.
  • Often those who are new to the concept of Bitcoin, blockchain and cryptocurrencies paint it all with the same brush; Bitcoin and blockchain are not one and the same. However, the terms are understandably coupled together as Bitcoin is the most popular cryptocurrency and blockchain technology became a general interest topic alongside Bitcoin.
  • This unique sector comprises many elements, which we outline in this guide. Although we will explain Bitcoin and blockchain separately, there will be many situations where the two concepts overlap.

Our guide covers:
  • A Complete Introduction - we explain the different types of blockchain powering all those cryptocurrencies, how they work, why they're so disruptive to the status quo and the parties involved in the ecosystem of a cryptocurrency. We also outline various cryptocurrencies besides Bitcoin, including infamous initial coin offerings (ICOs)
  • Wallets and How to Keep Cryptocurrencies Secure
  • How to Buy Cryptocurrencies and What You Need to Know Before Investing​​
  • The Fundamental Principles of Blockchain in Finance
  • Risks and Misconceptions about Cryptocurrency

Warning:
  1. By publishing this guide, we are not recommending or suggesting in any way or form that Bitcoin or any other cryptocurrency is a suitable investment.
  2. We published and update this guide to help people understand the fundamentals and risks of cryptocurrency - MoneyHub is conservative and our publisher, Christopher Walsh, has zero Bitcoin or other cryptocurrency investments.
  3. We present this information in good faith and remain objective at all times. ​By including this guide under our Investing and Saving section, we are not advocating that cryptocurrency is an investment. We may earn a referral bonus for anyone that clicks on some of the below links - see our Advertising Policy for more details.

NZ Guide to Everything Bitcoin and Blockchain

An Introduction to Decentralised Finance and Blockchain

Bitcoin is a decentralised digital currency, whereas blockchain is the technology underpinning Bitcoin and many other cryptocurrencies. To give a simple analogy of what a blockchain is, you could consider it similar to an operating system which governs how the cryptocurrencies function.

A Short History
  • To better understand the revolutionary implications blockchain has in decentralising different aspects of finance, we should take a step back and consider what led up to its invention.
  • When computers first emerged, they were too costly for anyone to own except governments or large corporations, such as banks and investment firms. They also required specialist knowledge from computer scientists who could build infrastructure and code software programs in arcane languages.
  • Wide-scale international payment networks like Visa, Mastercard, SWIFT, and several others were developed to make cross-border payments relatively seamless. These networks had little competition due to the high barrier of entry. Therefore, these institutions hold a monopoly over the established payment networks that many of us rely on for making transactions every day, and there was not much we could do to change that, until recently.
  • Access to banking and payment services remains predominantly controlled by a few large corporations that have earned a bad reputation over the years. They are mainly known for their disregard for risk management, transparency, security and privacy, and disenfranchising entire demographics while catering to the elite and imposing high fees for what should be a straightforward procedure. New Zealand banking fees, for example, are some of the highest in the world when it comes to everyday card use.
  • Computers are far more accessible today. Anyone can gain a fundamental understanding of IT, as most schools teach computer literacy from an early age, and universities offer various computer and software engineering courses. Not to mention, the cost of hardware is negligible compared to fifty and sixty years ago when legacy payment institutions first came to the market.
  • Shortly after the 2008 financial crisis, a new model was proposed and ultimately introduced as Bitcoin based on this pretence. It's an open-source digital currency secured by cryptography and processed by a decentralised public blockchain.

What is a Blockchain?

A blockchain is a digital ledger which records transactions across many computers simultaneously so that no one can tamper with it without others noticing. Each block typically contains data about timestamps and batches of processed transactions, along with a link to the previous block in the chain. The result is a chain-like structure where each transaction block is locked in a specific sequence. To alter one transaction would require changing all subsequent blocks too.

The Bitcoin blockchain is by no means the only one. There are dozens of public and private blockchains developed for decentralised finance applications, such as Ethereum, Ripple, Stellar, NEO and more. Blockchain technology is being used in more ways than just transactions. The concept is being applied in other areas of finance, such as trading, investing, loans and more.

Blockchains aren't used only in a finance setting. They are being applied in various sectors where data integrity is critical, such as healthcare, recording ownership of property, supply chain and manufacturing.

Each blockchain has a set of policies, features and rules. In general, a blockchain is a ledger of transactional data, grouped into blocks, processed to validate the information's authenticity and chained into a sequence.

What is Cryptocurrency?

The phrase cryptocurrency is a combination of the words cryptography and currency. The cryptographic properties possessed by cryptocurrencies are what makes them so powerful.

The core feature of a cryptocurrency is verifying ownership and authorising transactions cryptographically. This allows cryptocurrencies to function without a central authority verifying ownership before allowing transactions to be processed. Consider how an ATM asks for your PIN, or your bank requires a password when using online banking.

To spend cryptocurrencies, you need to possess a private key to prove ownership and transfer balances from one address to another. The private key is the only thing that can prove ownership; it is impossible to transfer balances without that. The robust encryption is a replacement to a governing authority, such as a bank or payment institution.

What is Bitcoin?

Bitcoin is a cryptocurrency created in 2009 by an unknown person or group known as Satoshi Nakamoto, who published a paper about Bitcoin in 2008 and then disappeared without further involvement in the project.

How Bitcoin Works
  • Bitcoin operates on a decentralised network that relies on cryptography for security and records all transactions on a public database, known as a blockchain. The decentralised nature of Bitcoin makes its use as a currency immune to tampering by governments, financial institutions or other large organisations.
  • Bitcoin can be used as a payment method and traded speculatively by day traders, retail investors, and hedge funds.
  • Bitcoin and other cryptocurrencies have seen dramatic price fluctuations in recent years. While there are plenty of risks to investing in this new asset class, it is an important area for the future of commerce.
  • Unfortunately, the volatility makes Bitcoin unsuitable as a payment instrument, as well as a safe-haven asset. There is a lot of anecdotal evidence that institutional traders regularly manipulate the price of Bitcoin. It's also worth noting there have been rumours that the CIA was involved in the creation of Bitcoin.
  • Bitcoin was the first cryptocurrency and relatively speaking, has been widely adopted. Before Bitcoin, there were similar attempts. Many other cryptocurrencies evolved from Bitcoin. The most popular are Ethereum, Litecoin, Bitcoin Cash, Stellar and Ripple. However, there are hundreds, even thousands more. All with varying features and use cases; however, many of them share the same fundamental characteristics.

What are ICOs?

ICO stands for Initial Coin Offering and is the equivalent of an Initial Public Offering (when a company goes public in the sharemarket, i.e. Xero back in 2006 and Pushpay in 2017), in the cryptocurrency community. An ICO is where companies or start-ups offer investors coins or tokens in return for capital in either fiat or cryptocurrency. The money is used to help fund projects that will have some sort of blockchain or cryptocurrency component.

Unlike an IPO, when a highly scrutinised and economically active company floats its shares on a regulated exchange such as the NZX or Dow Jones, some ICOs are based solely on a white paper that details its business and technical objectives. Sometimes a project may go as far as to release a demo or a minimum viable product.

ICO data:
  1. According to ICO Bench, an ICO benchmarking website, the website has registered 5,728 ICOs. The project that has gone down in history books for raising the most money is EOS, which has collected almost $4.2bn to fund the project.
  2. In 2017, when ICOs reached their peak, a total of $5.6bn had been raised. In December 2017, during the first crypto bull market, a total of $1.2bn was raised in a single month.
  3. Although many ICOs delivered the products and services the creators promised and token holders were rewarded for their investment, many more ICOs, unfortunately, went on to achieve very little. This usually led to investor losses. 
  4. There have been many examples of ICO scams taking advantage of the crypto frenzy of 2017 and 2018. OneCoin was a prominent Ponzi scheme allegedly brought in $4bn, with Chinese authorities seeing approximately $267.5m.
  5. SellMyGood Coin was a New Zealand example which was suggested to be a scam by journalists and the Financial Markets Authority (FMA). 
  6. Due to the many fraud cases in this sector, regulators and prosecutors (including the FMA) have a keen interest in ICO projects.

What is Cryptocurrency Mining?

Miners play an essential role in the ecosystem of a cryptocurrency. The mining process occurs when transactions, such as sending a payment, need to be processed and validated. Mining is a complicated process but essentially involves powerful computers solving complex equations while simultaneously confirming transactions and adding them to blocks that are then added to the blockchain and synchronised with all nodes.

Miners are rewarded for their work with newly issued coins or tokens, plus any network fees pledged by spenders. When Bitcoin first launched, miners were rewarded 50 BTC for each block, approximately every four years that amount is halved. Currently, miners are rewarded with 12.5 BTC per block. The only way new Bitcoin can be created is to process a block of transactions.

Why mining is unlikely to be an option
  • In most cases, particularly for Bitcoin, mining requires more processing power than a single computer can handle because they must be processed.
  • The increasing complexity as more transactions are added into each block, and the ledger grows. The first miner to process a block earns the reward. Therefore, miners collaborate by forming mining pools to increase their processing power and compete with other miners.
  • Bitcoin mining has become a more centralised process in recent years, with large pools controlling much of the network's hash rate (computing power).
  • This phenomenon contradicts the philosophy of Bitcoin, which is decentralisation.

NZ Guide to Everything Bitcoin and Blockchain

What are Cryptocurrency Wallets?

Cryptocurrency wallets are an essential component of keeping your Bitcoin and other coins safe while conveniently sending and receiving transactions. It is a common mistake to store your Bitcoins on an exchange platform, as it leaves them vulnerable to hacking and other forms of attack. Remember your cryptocurrency assets are only as safe as the wallet you store them in.

A cryptocurrency wallet is an application that stores your private key, public address and is often compatible with various types of coins. The private key you keep in the wallet corresponds to the public address you will share with others to send you funds.

How Cryptocurrency Wallets Work
  • Cryptocurrency wallets are essentially digital, encrypted bank accounts that let you send or receive money from other people and view your balance in different currencies like USD or EUR.
  • A cryptocurrency wallet can usually hold Bitcoin (BTC), Ethereum (ETH), Bitcoin Cash (BCH), Litecoin (LTC) and other cryptocurrencies. Some even support hundreds of types of digital assets.
  • There are different types of wallets which are compatible with other coins and tokens. The main distinction between wallets is online and offline:

1. Offline Wallets
  • Offline or hardware wallets, also known as cold storage, keep your private keys on a physical USB device, making them extremely secure as they can't be hacked remotely or accessed by viruses but also come at the cost of being more challenging to use on a day-to-day basis.
  • Maintaining the integrity of a cold wallet relies on following strict guidelines. The most important rule to follow is never exposing the device to the internet.
  • Hardware wallets allow you to sign a transaction in an offline environment and upload pre-authorised transactions without exposing the private key to a device with internet connectivity.

2. Online Wallets
  • Online wallets, also known as hot storage, are an internet-banking style application that stores your private key and allows you to initiate transactions more easily but come with greater risk of being hacked.
  • The best way to store cryptocurrency is a mixture of both - using an offline wallet for long-term savings while using an online wallet for day-to-day spending.

The private key is the most important thing to safeguard when it comes to cryptocurrency. Without it, you lose access to your funds, and if someone else takes control of it, they can spend your funds. Once a transaction is processed, it's irreversible.

NZ Guide to Everything Bitcoin and Blockchain

How to Buy Cryptocurrencies from New Zealand

The cryptocurrency market is nowhere near as developed as other asset classes. There are only a handful of brokers and exchanges operating in each country. The most common ways to buy cryptocurrencies in New Zealand are exchanges or brokers, sometimes referred to as retailers.

Brokers
  • A broker will usually specialise in buying and selling cryptocurrencies for fiat, i.e., NZD or USD. Typically, they allow you to purchase cryptocurrencies via a local bank transfer or using your debit/credit card.
  • Most people consider this the most convenient way to buy Bitcoin.
  • Our guide to How to Buy Bitcoin in New Zealand explains more. 

Exchanges
  • An exchange will offer a more dynamic trading experience with charts, order books and a wide range of trading pairs.
  • If you're looking to speculate on the cryptocurrency markets actively, an exchange trading platform might be a suitable solution for you.
  • Our guide to New Zealand cryptocurrency exchanges has more details.

Know this:
  1. When you open an account with a broker or an exchange, you should expect to provide your proof of identification and possibly even your proof of address.
  2. Due to the high-level scrutiny cryptocurrency business come under, they often have quite stringent anti-money laundering policies.

NZ Guide to Everything Bitcoin and Blockchain

Fundamental Principles of Blockchain in Finance

Typically, banks and other payment institutions play an essential role in transferring funds between parties. Blockchain technology offers a new system of processing transactions, verifying ownership and storing information, allowing people to conduct business directly with their counterparty without going through intermediaries like banks, or other centralised payment networks.

However, a set of specific rules and conditions offered by blockchain technology creates a trustless environment. That doesn't mean trust does not exist, but trust is not required. Decentralisation is the cornerstone of what makes it all possible.

1. Decentralised

On a decentralised blockchain, transactions are processed by miners. A miner is an independent entity, either a company or an individual. They contribute computing power to process transactions and operate nodes that host the entire history of transactions dating back to the first block of transactions processed, known as the genesis block. As a result, transactions are not processed by any single entity that could manipulate, corrupt or lose data. As there are so many nodes, it's challenging to interfere with hacking. To successfully alter records on a blockchain, you would need to attack more than 50% of the nodes, which would require so much computing power it would not be a financially viable endeavour.

Nothing can prevent someone from receiving or sending cryptocurrencies. All you need to have is the private key to verify ownership and available funds to spend. It doesn't matter which country you're from, your history or background or your intentions. Cryptocurrencies are described as self-sovereign currencies. You do not depend on any government or nation to issue the currency, maintain its value or permit you to use it, nor can they seize it.

2. Immutable

​If data on one of the nodes doesn't match with the others, it will be discredited and corrected. Due to this process, once a transaction is recorded on the blockchain, it is practically impossible to change or remove, so nobody can make unauthorised changes without altering more than 50% of the nodes. Since transactions are irreversible; merchants do not have to worry about chargebacks as they do with credit cards because transactions cannot be reversed once recorded on the blockchain. Digital currencies allow quick and secure payments between two parties who may not know each other or trust one another in person or online exchanges.

3. Transparent and Private

Although it sounds like an oxymoron, blockchain enables both privacy and transparency. Each block of transactions includes information about who sent and received what, and when. However, transactions aren't linked to personally identifiable information, just the public address, similar to an account number. The public address acts as a pseudonym that can only be traced using external data sources.

NZ Guide to Everything Bitcoin and Blockchain

Risks and Misconceptions

Owning cryptocurrencies also comes with a number of risks. Digital assets are very different from traditional payment methods, making you vulnerable to tricks and mistakes. Specifically: 

1. ​Bitcoin is not a store of value or a safe-haven
​
The primary risk of owning Bitcoins is price volatility. The value of Bitcoin has fluctuated, on many occasions, by as much as 30% in just one day! Many proponents of cryptocurrencies tout Bitcoin as a safe-haven asset and a store of value. That couldn't be further from the truth. Bitcoin prices are far more volatile than gold prices. The CEO of Coinbase, one of the largest cryptocurrency exchanges issued a statement warning investors about the volatile nature of Bitcoin.

2. Bitcoin is not anonymous
Many Bitcoin users are led to believe that Bitcoin transactions are anonymous. Bitcoin is pseudonymous, which is quite different. Although transactions are not in your name, as they would be with a bank transfer or a credit card, they are linked to a unique identifier. Suppose your BTC address is linked to your real identity, such as when you send funds to a cryptocurrency exchange or make a purchase online. In that case, it's relatively easy to connect your identity to your transactions.

Can I invest in Crypto via KiwiSaver?

Yes, a select few schemes offer the opportunity to do so. One scheme, Koura KiwiSaver, allows members to invest in their Carbon Neutral Crypto Currency Fund. This is a fund that invests exclusively in Bitcoin. It has a long-term buy-and-hold strategy for investing. Please be aware that cryptocurrencies are highly volatile, and while KiwiSaver is a long-term investment, allocating money to crypto is not without risks. You can learn more about the fund here.

Related Guides
  • ​​How to Buy Bitcoin in New Zealand
  • ​​​​How to Buy Ethereum in New Zealand
  • New Zealand Bitcoin Exchanges
  • Easy Crypto Review
  • ​Binance Review
  • ​​​Bitcoin in New Zealand
  • Bitcoin and Crypto Scams
  • Bitcoin Wallets
  • ​Joshua Wang YouTube Guide (buying Bitcoin in New Zealand)
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  • Insurance
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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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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Alternative Mortgage Options
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • NZCB Review
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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    • Air New Zealand Specific
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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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    • Essential Information
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
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      • The Four Percent Rule
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      • Five Types of FIRE Plans
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      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
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      • Bankruptcy Guide
    • Tax
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      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
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  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
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        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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      • Hosting International Students
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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 Ride-On Lawn Mowers
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      • Best Printers
      • Best Computer Desks
      • Best Antivirus, Anti-Malware and Internet Safety Habits
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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