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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The Best Free and Paid Antivirus and Anti-Malware Software for New Zealand Homes and Business in 2024

Antivirus software and online safety habits are essential for protecting your personal information and devices from malware and cyber threats. Our guide explores the basics of antivirus, malware, and online safety habits to help you stay safe and secure while browsing the internet.
The Best Free and Paid Antivirus and Anti-Malware Software NZ
Updated 3 January 2024
Summary:
  • ​While it is possible to use a computer or other electronic device without antivirus software, you do so at some risk. Antivirus software can detect and remove malware that may otherwise go undetected, and it provides real-time protection to prevent malware from infecting your device in the first place.
  • Many free and low-cost antivirus and anti-malware programs can keep you safe online. We outline the ones we consider the best, as well as free programs and free limited-time trials.
  • The best prices for antivirus software can be found in plans that cover multiple devices for a long period of time (more than one year) and subscriptions that bundle various services into one, for example, antivirus, device performance monitors, password managers and VPN.
  • While PCs and Android devices are more at risk, Apple devices are not exempt from online threats and should also have antivirus software installed
  • Apart from running anti-malware and antivirus software, we outline some good online safety habits you should take into account, like using a password manager, keeping your software up to date and only downloading content from trusted sources 
 
To help you select the best antivirus software for you, our guide covers: 
  • What Should I Consider When Choosing an Antivirus Program?
  • Do Free Antivirus Programs Offer Sufficient Protection?
  • What are the Best Antivirus and Anti-Malware Programs Available in New Zealand?
  • Must-Know Internet Safety Habits
  • Frequently Asked Questions

Know This First: What is an antivirus program?

​An antivirus program is a software designed to protect computers or other electronic devices from malware. Malware can include viruses, worms, Trojan horses, spyware, adware, ransomware and other malicious programs. Antivirus software scans your computer for malware and tries to remove any detected threats. It also provides real-time protection to prevent malware from infecting your computer in the first place.

Advertising disclosure: This guide contains affiliate links, which means MoneyHub may earn a commission if you click through and make a purchase. However, we only recommend anti-virus services we believe in and have tested, with NordVPN sister-company Surfshark arguably the best option for anyone in New Zealand looking for a reliable, secure, and affordable anti-virus with VPN features.

MoneyHub Founder Christopher Walsh shares his experience of anti-virus protection:

"Many scams are going around, and malware/viruses, dodgy ads, and tracking code are all increasingly involved in financial scams. We suggest people put passwords on their phones and tablets and consider an anti-virus product.

There are a lot of anti-virus products around, and many of them slow down your computer, have too many pop-ups and/or still expose you to ads and tracking. The internet has become full of junk, and few anti-virus products can filter out the bad stuff.

My preferred solution:
  • I'm a huge fan of Surfshark, a Nord company (and a service I renew year after year). Their anti-virus prices depend on the length of the subscription; the longer the subscription, the lower the price, except when they have special offers (as is the case at the moment). 
  • MoneyHub has secured the following special prices when you sign up through our link. The best value is currently found on their 1-year contract, with a price of $78.98 ($6.58 per month); for two years, the price is $180.14 ($7.50 per month), and for one month, the price is $23.68. All prices include 15% GST. 
  • Best of all, you can use the service on up to five devices; it's super-fast, making your browsing experience much cleaner, quicker and safer.
  • Given New Zealanders' time online, I believe that Surfshark is a valuable purchase to ensure faster and safer browsing".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Visit Surfshark

The Best Free and Paid Antivirus and Anti-Malware Software NZ

What Should I Consider When Choosing an Antivirus Program?

​When buying antivirus software, consider the following factors:
Antivirus, Anti-Malware and Internet Safety Habits

Malware protection

Look for software with high malware detection rates and quick response times. This means that you're covered for as many viruses as possible, and the fixes will be fast.
Antivirus, Anti-Malware and Internet Safety Habits

Real-time protection

Choose software that offers real-time protection to prevent malware from infecting your computer in the first place - there's no point having anti-virus that runs off and on; your devices need 24/7 protection.
Antivirus, Anti-Malware and Internet Safety Habits

Features

Consider what features you need, such as a firewall, parental controls, or a VPN. You will often find that products that bundle more functionality into their offering provide better value.
Antivirus, Anti-Malware and Internet Safety Habits

User interface

Choose software with a user-friendly interface that is easy to navigate. Some antivirus programs have a reputation for being annoying - popping up on your screen, threatening to shut your computer down to "update" and slowing down programs. Now, things have advanced while some antivirus tools behave much better than others.
Antivirus, Anti-Malware and Internet Safety Habits

System impact

Look for software with a low system impact that won't slow down your computer. This is important - they need to run in the background, but you don't want to be limited in what you can do.
Antivirus, Anti-Malware and Internet Safety Habits

Price

Consider the cost of the software - the reality is that most software is discounted in the first year, and then jumps up in price when you renew.

If you commit to a longer period, you will often be offered a lower price. Many companies also offer the first year at a discount, so if you are enticed by the initial low price, be aware that from the second year onwards the price will rise significantly.

Pro Tip: You can avoid paying the higher renewal price by letting the subscription lapse and getting a discount offer for a renewal or changing software (which means installing a new program) but the money saving can be worth the hassle.

Do you have more than one device? If you plan to protect more than one device, choose an antivirus that provides the number of licenses you require. We outline the pricing options below.

The Best Free and Paid Antivirus and Anti-Malware Software NZ

Do Free Antivirus Programs Offer Sufficient Protection?

There are a number of free antivirus and anti-malware programs available which we list throughout this guide. They can offer basic protection against common threats, but they may not provide the same level of comprehensive protection as paid versions. Additionally, free programs may come with limitations such as fewer features, fewer updates, or a lack of customer support. For these reasons it's important to assess your individual security needs and evaluate the effectiveness of different programs to determine the best protection for your devices.
 
Popular free options: If you use Windows as your operating system, Microsoft Defender comes automatically installed and might provide all the protection you need. The comparison website Wirecutter (owned by the New York Times) published a guide on this topic and argues that the protection offered by this software was sufficient for most users (in combination with a free antivirus like Malwarebytes to plug in any gaps). It also considers that most Apple users don’t need an antivirus, as fewer programs are aimed at attacking Apple products. Of course, this all depends on your habits; for example, if you often download content from questionable sources or have sensitive company information stored in your computer, you should definitely consider installing a comprehensive antivirus that can analyse threats in real-time.
 
There are several free antivirus programs available that can provide effective malware protection, including:
  1. Microsoft Defender (Previously called Windows Defender) is built into Windows 10, this program provides basic antivirus and malware protection. Because it’s built into Windows, it’s light to run and has minimal clashes against Windows software.
  2. Malwarebytes offers a few free solutions, their Free Virus Scanner Tool provides basic malware detection and removal and they also have tools aimed specifically at detecting Trojans, Rootkit and Spyware.
  3. Avast Free Antivirus: Avast is a well-known free antivirus program that offers robust malware protection and several features, such as a password manager and network scanner. 
  4. Avira Free Antivirus: Avira provides strong malware protection, including protection against ransomware and phishing attacks.

Know This: ​It's important to note that while free antivirus programs can provide effective malware protection, they may not include all the features of paid antivirus programs. Some free antivirus programs may also include ads, collect your data or try to upsell you to a paid version. Nonetheless, using a free antivirus program is still better than not having any antivirus protection at all.

MoneyHub Founder Christopher Walsh shares his experience of anti-virus protection:

"Many scams are going around, and malware/viruses, dodgy ads, and tracking code are all increasingly involved in financial scams. We suggest people put passwords on their phones and tablets and consider an anti-virus product.

There are a lot of anti-virus products around, and many of them slow down your computer, have too many pop-ups and/or still expose you to ads and tracking. The internet has become full of junk, and few anti-virus products can filter out the bad stuff.

My preferred solution:
  • I'm a huge fan of Surfshark, a Nord company (and a service I renew year after year). Their anti-virus prices depend on the length of the subscription; the longer the subscription, the lower the price, except when they have special offers (as is the case at the moment). 
  • MoneyHub has secured the following special prices when you sign up through our link. The best value is currently found on their 1-year contract, with a price of $78.98 ($6.58 per month); for two years, the price is $180.14 ($7.50 per month), and for one month, the price is $23.68. All prices include 15% GST. 
  • Best of all, you can use the service on up to five devices; it's super-fast, making your browsing experience much cleaner, quicker and safer.
  • Given New Zealanders' time online, I believe that Surfshark is a valuable purchase to ensure faster and safer browsing".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Visit Surfshark

The Best Free and Paid Antivirus and Anti-Malware Software NZ Options

What are the Best Antivirus and Anti-Malware Programs Available in New Zealand?

​We list below some of the most popular antivirus programs, providing an overview of the product, whether they are available for Windows, Android, and Apple and if there are free versions available. All prices quoted below are for 1 year plans and include GST.
 
We found that you can get better value by selecting plans that cover multiple devices and bundle various products into one, for example VPN, password management, system performance monitors and antivirus.
Surfshark Anti-Virus Review NZ
Surfshark
Surfshark has recently entered the antivirus market and offers these capabilities as an add-on to their very well-regarded VPN service. The antivirus cannot be purchased individually; it is only available as part of the Surfshark One suite, which includes the following:
  1. Antivirus: Protect your device from viruses, malware, and zero-day threats (vulnerabilities of software that hackers can exploit). Scan files manually, in real-time or by scheduling them in advance. Surfshark’s antivirus solution is easy to set up and is very light to run, so it won’t interfere with your usual tasks. It has been certified by AV-Test, with a score of 15/18. 
  2. VPN: Privacy tool to protect your identity, prevent tracking (from hackers or regular websites), access to country-specific content on streaming services and with a user-friendly interface.
  3. Alert: You can get notified if your personal information is leaked. This tool automatically monitors user IDs, email addresses and credit cards and notifies you if your information has been compromised.
  4. Search: This tool lets you search the web and provides country-specific search results; it not littered with ads and does not track or store your data.

Please note The VPN can be used on unlimited devices, while the antivirus can only be used on five devices.
  • Free version: N/A
  • Trial period: 30 days
  • Money back guarantee: 30 days
  • Desktop versions: Windows/Mac/Linux
  • Mobile versions: Android / iOS
  • Price: All prices are in NZD; Surfshark’s antivirus can only be purchased as an add-on to their VPN service. The price depends on the length of the subscription, the longer the subscription, the lower the price, except when they have special offers (as is the case at the moment). MoneyHub has secured the following special prices when you sign up through our link. The best value is currently found on their 1-year contract, with a price of $78.98 ($6.58 per month); for two years, the price is $180.14 ($7.50 per month), and for one month, the price is $23.68. All prices include 15% GST. 
Best Antivirus - Malwarebytes

Malwarebytes

Malwarebytes is a cybersecurity company that provides a range of products and services designed to protect against malware, viruses, and other types of online threats. Their primary product can detect and remove various types of malware, such as viruses, spyware, and ransomware.

Malwarebytes offers several different plans depending on the needs of the user. Their home plans include Free Virus Scanner Tool, which provides basic malware detection and removal for free, and Malwarebytes Premium, which offers more advanced protection features, such as real-time protection, scheduled scanning, and automatic updates, for a subscription fee, they also offer a version with VPN included. The cost of Malwarebytes Premium varies depending on the number of devices and the length of the subscription.

In addition to their software products, Malwarebytes also offers a range of educational resources and support services, including threat analysis and malware removal assistance.  
  • Free version: Free Virus Scanner Tool
  • Trial period: 30 days
  • Money back guarantee: 60 days
  • Desktop versions: Windows/Mac (starts at $60), the best value is found on their multidevice plans, especially worth considering is their Premium plan with VPN, which covers 5 devices
  • Mobile versions: Multi device plans are available (3 devices for $120, 5 for $140)
Best Antivirus - eset

ESET NOD32 Antivirus

ESET NOD32 Antivirus - ESET NOD32 Antivirus is a highly-rated program that offers only paid subscriptions. There are different versions of this product: The “Essential protection” keeps you safe from viruses and spyware, phishing and ransomware and includes a gamer mode. The “Advanced Protection” in addition to those, provides a firewall, monitors your network against attacks, has enhanced banking security and offers features like webcam protection and anti-theft. Finally, the Ultimate protection plan has password management utilities and file encryption for removable devices.
  • Free version: No free version available, but they offer a trial period of 30 days.
  • Trial period: 30 days
  • Money back guarantee: No
  • Desktop versions: Windows (price range $70 - $104) , Mac (price range $70 to $96)
  • Mobile versions: Multi device plan (5 devices for $120)
Best Antivirus - kaspersky

Kaspersky

Kaspersky - Kaspersky Antivirus is another highly-regarded antivirus program that offers a free and paid version. The free version provides basic protection against malware, while the paid version offers additional features like real-time protection and email scanning, this table shows a full comparison of the paid plans.

There are various plans: Kaperksy Standard provides enhanced security for banking and online payments, firewall protection, anti-phishing, and tools to prevent your online activities to be tracked. Kapersky Plus offers all the features previously mentioned plus an unlimited VPN; the Kapersky Premium Plan also offers identity protection and 24/7 remote support.
  • Free version: Kapersky Free has basic features that help prevent your device from being infected with viruses, trojans or ransomware.
  • Trial period: 30 days
  • Money back guarantee: Yes, 30 days to request a refund
  • Desktop / Mobile version: Same price regardless of operating systems or type of device. There are two premium products: Kaperksy Standard (from $41 for the first year, $105 thereafter), Kapersky Plus (from $47 for the first year, $112 thereafter), Kapersky Premium (from $50 for the first year, $126 thereafter). They also offer multi-year  and multi-device subscriptions with different prices.
Picture
Picture

AVG AntiVirus and Avast Antivirus

AVG AntiVirus and Avast Antivirus – These 2 antivirus are owned by the same company and offer basically the same functionality and very similar pricing structure, the main difference is the interface, so you can make your choice based on which one you think looks best or seems most easy to use.
 
The free version is one of the most comprehensive free offerings, it provides protection against viruses, spyware and malware, scans your emails for suspicious attachments and phishing threats, has a basic firewall and alerts you to hacking attempts. There are also two paid versions that have even more features:
  • the Avast Premium / AVG Security include an enhanced firewall, data shredder capabilities, alerts you to your webcam being used, blocks remote access to avoid hacking attacks, provides enhanced banking and payment security amongst many other features
  • AVG Ultimate / Avast Ultimate: as well as all the previous features, includes a secure VPN, has tools to optimise your device’s performance for example by getting rid of junk files, and provides enhanced capabilities to avoid you being tracked by various companies.

Free version:
  • Avast : Windows, Android, Mac and iPhone/iPad 
  • AVG: Windows, Android, Mac, and iPhone/iPad
  • Trial period: 30 days
  • Money back guarantee: Yes, 30 days to request a refund

Paid versions:

  • Avast Premium / AVG Security: for Windows ($55 the first year, $95 thereafter) , for Mac ($45 the first year, $85 thereafter) Multi device plan (10 devices for $70 the first year, $120 thereafter)
  • Avast Ultimate: same price regardless of platform: ($75 the first year, $135 thereafter), Multi device plan (10 devices for $90 the first year, $170 thereafter)
  • AVG Ultimate: only available as a Multi device plan (10 devices for $110 the first year, $160 thereafter)
Best Antivirus - Bitdefender

Bitdefender

Bitdefender Antivirus - Bitdefender Antivirus is a highly-rated antivirus program that offers both a free and paid versions. The free version offers basic protection against malware, while the three paid versions offer increasingly enhanced security. Bitdefender Internet Security is their lowest-priced antivirus and can protect 3 devices but is only available for Windows, it has parental controls, protects against adware, spyware, adware and ransomware and offers a VPN but limited to 200MB of per day.

Bitdefender Total Security can cover up to 5 devices running Windows, MacOS, Android or iOS and offers all the previous features plus a device optimiser tool. Lastly, the Bitdefender Premium Security can protect 10 devices, has all the previous features plus unlimited VPN traffic, password manager and priority support.
  • Free version: There are free versions of Bitdefender to protect your PC and android devices
  • Trial period: 30 days
  • Money back guarantee: Yes, 30 days to request a refund
  • Desktop versions: Windows and Mac (prices start at $27)
  • Mobile versions: Adroid and Apple ($20 the first year), Multi device plans : 5 devices for $59 the first year, $130 thereafter, or 10 devices for $90 the first year, $220 thereafter
Best Antivirus - Norton

Norton

Norton AntiVirus - Norton AntiVirus is a well-known antivirus program that offers a range of features, including real-time protection, email scanning, and a firewall. There is a free trial version, but no permanent free version is available.
  • Free version: None, but they offer a 30 day trial
  • Trial period: 30 days
  • Money back guarantee: Yes, 14-60 days to request a refund depending on the plan
  • Desktop / Mobile version: Same price regardless of operating systems or type of device, the price depends on number of devices, length of the plan and the protection offered. There are many plans, the cheapest one is the Norton Plus which starts at $40 on the first year ($75 thereafter) and the most expensive is  the Norton 360 Premium, which covers 5 devices and costs $125 for the first year ($205 thereafter).

MoneyHub Founder Christopher Walsh shares his experience of anti-virus protection:

"Many scams are going around, and malware/viruses, dodgy ads, and tracking code are all increasingly involved in financial scams. We suggest people put passwords on their phones and tablets and consider an anti-virus product.

There are a lot of anti-virus products around, and many of them slow down your computer, have too many pop-ups and/or still expose you to ads and tracking. The internet has become full of junk, and few anti-virus products can filter out the bad stuff.

My preferred solution:
  • I'm a huge fan of Surfshark, a Nord company (and a service I renew year after year). Their anti-virus prices depend on the length of the subscription; the longer the subscription, the lower the price, except when they have special offers (as is the case at the moment). 
  • MoneyHub has secured the following special prices when you sign up through our link. The best value is currently found on their 1-year contract, with a price of $78.98 ($6.58 per month); for two years, the price is $180.14 ($7.50 per month), and for one month, the price is $23.68. All prices include 15% GST. 
  • Best of all, you can use the service on up to five devices; it's super-fast, making your browsing experience much cleaner, quicker and safer.
  • Given New Zealanders' time online, I believe that Surfshark is a valuable purchase to ensure faster and safer browsing".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Visit Surfshark

The Best Free and Paid Antivirus and Anti-Malware Software New Zealand

Must-Know Internet Safety Habits

Safe computers start with good habits, and iIn addition to using antivirus and anti-malware software, here are some online safety habits to keep in mind:
Online Safety Habits

Use strong and unique passwords

Use strong, unique passwords for each of your online accounts to help prevent hackers from gaining access. Consider using a password manager to help you create and store secure passwords.
Online Safety Habits

Enable two-factor authentication

Two-factor authentication provides an extra layer of security by requiring you to enter a code in addition to your password. This makes it much more difficult for hackers to gain access to your accounts.
Online Safety Habits

Keep software updated

Keep your operating system and software up-to-date with the latest security patches and updates. This can help protect against known security vulnerabilities.
Online Safety Habits

Only download software from official sites

When downloading apps, use the Apple Store for apple devices, and for Android make sure they have been verified by the Play Store. For desktops, make sure you only download software from the official sites as there are many websites distributing adulterated software.
Online Safety Habits

Be wary of suspicious emails

Be cautious of emails from unknown senders, and avoid clicking on links or downloading attachments from suspicious emails; be wary of unsolicited emails asking for personal information.
Online Safety Habits

Use a VPN

Use a VPN to encrypt your internet connection and protect your privacy and security while browsing the internet.
Online Safety Habits

Practice safe browsing habits

Avoid visiting untrustworthy or suspicious websites, and use ad-blocking and anti-tracking software to help prevent malware infections from malicious ads.
Online Safety Habits

Be careful about what you share online

Be mindful of the information you share online, and avoid sharing personal or sensitive information in public forums or social media.
Online Safety Habits

Use secure payment methods

When making purchases online, use secure payment methods such as credit cards or digital wallets that offer fraud protection.
Online Safety Habits

Monitor your accounts

Regularly check your online accounts for suspicious activity, and report any suspicious or unauthorized activity to the relevant authorities or service providers.
Online Safety Habits

Back up your data

Back up your important files to an external hard drive or cloud storage service to protect them in case of a security breach.

The Best Free and Paid Antivirus and Anti-Malware Software FAQs NZ

Frequently Asked Questions

What is an antivirus program?

​An antivirus program is a software designed to detect, prevent, and remove malicious software from your computer or other devices.

Why do I need an antivirus program?

An antivirus program helps protect your computer or other devices from viruses, malware, and other malicious software that could compromise your security, steal your data, or damage your system. 

Can apple devices be infected with viruses or affected by malware?

​While Apple devices have traditionally been considered less vulnerable to malware and viruses than other platforms, it's still important to have an antivirus program installed to protect your device from potential threats. This is especially true if you use your Apple device to browse the web, use email, or download apps from third-party sources. While the built-in security features of Apple devices, such as Gatekeeper and XProtect, help to protect against malware, they are not foolproof. Malware can still be introduced onto a device through various methods, such as phishing attacks, malicious websites, or fake apps.

Would running an antivirus program slow down my computer?

Running an antivirus program can slow down your computer to some extent, but the impact on performance is typically minimal with most modern antivirus programs.
​
During a scan, an antivirus program needs to scan through all the files on your computer, which can take up some CPU resources and may slow down other programs running at the same time. However, most antivirus programs are designed to minimize the impact on system performance by scanning files in the background and only use CPU resources when your device is idle or when you are not actively using it. If you notice significant performance issues while running an antivirus program, you can adjust the settings to reduce the impact on system resources. For example, you can schedule scans to run when you're not using the computer or adjust the level of real-time protection to minimize the impact on system resources.

Can I get a free antivirus program?

​Yes, there are many free antivirus programs available. While they may not offer as many features as paid programs, they can still provide basic protection. We cover many free antivirus programs available here.

How do I choose the best antivirus program for me?

​When choosing an antivirus program, consider factors such as its features, compatibility with your system, and reviews from other users. It's also a good idea to look for a program that offers regular updates and customer support.

Can I have more than one antivirus program installed on my computer?

​Having more than one antivirus program installed on your computer is generally not recommended, as they may conflict with each other and cause performance issues.

Can antivirus programs detect all types of malware?

​While antivirus programs are effective at detecting and preventing many types of malware, they may not be able to detect all types. It's important to practice safe browsing habits and use other security measures, such as a firewall, to protect your system.

How often should I run a virus scan?

​It's a good idea to run a virus scan at least once a week, or more frequently if you suspect that your system may be compromised.

Can antivirus programs protect me from online threats?

​Many antivirus programs offer anti-phishing, and web filtering features to protect against online threats.

Can antivirus programs protect me from ransomware attacks?

​Many antivirus programs offer protection against ransomware attacks by detecting and blocking malicious files and preventing unauthorized changes to your system.

Do I need an antivirus program on my mobile device?

​Yes, it's a good idea to have an antivirus program installed on your mobile device to protect against malware and other threats.

What should I do if my antivirus program detects a threat?

​If your antivirus program detects a threat, it's important to follow its recommendations for removing or quarantining it. You may also need to take additional steps, such as resetting your browser settings or running a full system scan.

How can I keep my antivirus program up to date?

​Many antivirus programs offer automatic updates, but it's important to check regularly to ensure that your program is up to date with the latest virus definitions and security patches.

Can I get a virus from email attachments?

​Yes, email attachments are a common vector for viruses and other malware. It's important to be cautious when opening email attachments and to open only those from trusted sources.

Are there any risks associated with downloading free antivirus programs?

​While there are many reputable free antivirus programs available, there are also some that may be malicious or ineffective. It's important to do your research and only download programs from trusted sources.

MoneyHub Founder Christopher Walsh shares his experience of anti-virus protection:

"Many scams are going around, and malware/viruses, dodgy ads, and tracking code are all increasingly involved in financial scams. We suggest people put passwords on their phones and tablets and consider an anti-virus product.

There are a lot of anti-virus products around, and many of them slow down your computer, have too many pop-ups and/or still expose you to ads and tracking. The internet has become full of junk, and few anti-virus products can filter out the bad stuff.

My preferred solution:
  • I'm a huge fan of Surfshark, a Nord company (and a service I renew year after year). Their anti-virus prices depend on the length of the subscription; the longer the subscription, the lower the price, except when they have special offers (as is the case at the moment). 
  • MoneyHub has secured the following special prices when you sign up through our link. The best value is currently found on their 1-year contract, with a price of $78.98 ($6.58 per month); for two years, the price is $180.14 ($7.50 per month), and for one month, the price is $23.68. All prices include 15% GST. 
  • Best of all, you can use the service on up to five devices; it's super-fast, making your browsing experience much cleaner, quicker and safer.
  • Given New Zealanders' time online, I believe that Surfshark is a valuable purchase to ensure faster and safer browsing".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Visit Surfshark

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  • Loans & Finance
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  • Insurance
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  • 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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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • KiwiSaver Calculators
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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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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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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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      • Australia and the Pacifc
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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Apple Watch Buying Guide
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    • Best iPhone Plans
    • Best Power Banks
  • Broadband
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    • Internet Speed Test
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  • Power
    • Compare Power Companies
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    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
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      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
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      • How to Handle Rising Interest Rates
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      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
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      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
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