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
        • Best Investment Apps
        • 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
        • 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
        • How to Invest in the NASDAQ from New Zealand
        • 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
        • Popular 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 Popular 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
          • Pathfinder Managed Funds Review
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Australian Investment Funds
        • Advisers & Wealth
          • 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 Whanganui
          • Financial Advisers Kapiti
          • Financial Advisers Wairarapa
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Craigs Investment Partners Review
          • Craigs vs Forsyth Barr vs JBWere
          • Lighthouse Financial Services Review
          • Wealth Advisers Auckland
          • Wealth Advisers Hamilton
          • Wealth Advisers Tauranga
          • Wealth Advisers Napier & Hastings
          • Wealth Advisers Palmerston North
          • Wealth Advisers Lower Hutt & Upper Hutt
          • Wealth Advisers Wellington
          • Wealth Advisers Nelson
          • Wealth Advisers Christchurch
          • Wealth Advisers Dunedin
        • Bank Credit Ratings
        • Depositor Compensation Scheme (DCS) Explained
        • Tax on Investments and Savings
        • Tax Efficient Investing
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Leading 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
        • 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
          • 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
    • Best Car Finance
      • Loan Types
        • Electric Vehicle Loans
        • Car Loan Refinance
        • Bad Credit Car Loans
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        • Business Vehicle Loans
        • Asset Finance
      • Tools & Calculators
        • Car Finance Calculator
        • Car Loan Amortisation Calculator
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        • Motorcycle and Moped Loan Calculator
        • Asset Finance Repayment Calculator
        • Boat Financing Calculator
      • Resources
        • Car Finance Documents Checklist
        • Car Dealership Finance vs Alternatives
        • 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
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Simplify Car Loans - Real Customer Reviews & Facts
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • Simplify vs MTF vs UDC vs Heartland
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance by Vehicle
        • Toyota Aqua Financing Guide
        • Toyota Corolla Financing Guide
        • Toyota HiAce Financing Guide
        • Toyota RAV4 Financing Guide
        • Toyota Hilux Financing Guide
      • Car Finance Add-On Insurance
        • Compare Mechanical Breakdown Insurance
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • PPI (Payment Protection Insurance)
    • Best Personal Loans
      • Loan Types
        • Debt Consolidation Loans
        • Secured Loans
        • Bad Credit Loans
        • Green Loans
        • Dental Loans and Finance
        • Home Renovation Loans
        • Online Loans
        • Cash Advance
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        • Low Income Loans
        • Beneficiary Loans
      • Tools & Calculators
        • Personal Loan Calculator
        • Debt Consolidation Calculator
        • Refinance Personal Loan Calculator
        • Home Renovation Loan Calculator
        • Interest Calculator
      • Lender Reviews
        • Harmoney Loans Review
        • Nectar Review
        • Avanti Finance Review
        • Money Sweetspot Review
        • Save My Bacon Review
      • Credit Health
        • How to Build Credit in New Zealand
        • Credit Scores and Credit Checks
        • Interest Rates Guide
        • Interest Rate Comparison
      • Debt Solutions
        • How to Pay Down Debt Faster
        • Baycorp and Debt Collection
        • The Dangers of Debt Consolidation
        • Using Home Equity for Non-Essential Expenses
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Overview
    • 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 Insurance
      • House Insurance
      • House Insurance Calculator
      • Home and Contents Insurance
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Area Replacement vs Sum Insured
      • Natural Disaster House Insurance
      • MAS House Insurance - Real Customer Reviews & Facts
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Renters' Insurance
      • Students Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
    • Life & Health Insurance
      • Compare Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Explained (Videos)
        • 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
        • Health Insurance Explained (Videos)
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • Income Protection Insurance Explained (Videos)
        • 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
    • 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
    • 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
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
      • ACC CoverPlus Extra (CPX) Explained
      • Co-Shareholder Insurance Cover
    • Find a Broker
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
  • 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 Have Ended – Best Replacement Options
      • BNZ Advantage Credit Cards Are Changing (Not Good News) – 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
        • AMEX Airpoints Platinum - Real Cardholder Reviews & Facts
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • 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
      • China Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • South Korea 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
      • Sending Money to Australia
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
      • 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 2026 & 2027
      • 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
      • Self-Employed Mortgage Applications
      • Interest Rate Strategies
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Top 10 Areas for First Home Buyers 2025
      • 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
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • 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
      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
    • KiwiSaver Schemes
      • 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
        • Pathfinder vs ANZ KiwiSaver Growth Funds Comparison
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business Loans & Tools
    • Business Bank Accounts
    • Business Credit Cards
      • American Express Gold Business Card Review
    • Compare Business Loans
      • Small Business Loans
      • Prospa Business Loans Review
      • Business Line of Credit
      • Business Borrowing Options
      • Business Loan Calculator
      • Invoice Finance
      • Business Loan Brokers Explained
      • Commercial Vehicle Finance Options
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Wise Business Account Review
    • 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
      • Provisional Tax
      • Lighthouse Accounting Services Review
      • PAYE Tax Rates 2025 & 2026
      • Tax Codes in New Zealand
      • Minimum Wage
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • 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
      • Digital Marketing Agencies Auckland
      • Video Production Auckland
      • 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
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    • Pet Insurance
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    • Business Insurance
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  • Credit Cards
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      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Reviews
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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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      • Booster Savvy Review
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    • Guides and Resources
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  • Mortgages
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      • Top 10 Areas for First Home Buyers 2025
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Selling a Home
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      • Bridging Finance
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      • Trusts vs LTCs vs Companies
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    • Building a House
      • NZCB Review
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      • Construction Loans
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  • KiwiSaver
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      • KiwiSaver Must-Know Facts
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      • Feijoa Review
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    • KiwiSaver Calculators
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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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      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Saily Review
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    • Apple Watch Buying Guide
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  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
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      • Skinny Review
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  • Power
    • Compare Power Companies
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    • Electric Vehicle Power Plans
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    • Power Companies
      • Contact Energy Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
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      • 10 Things to Do Differently with Money in 2026
      • 10 Signs You’re in Financial Danger
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      • 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 Ways to Save on Household Bills
      • 20 Supermarket Ripoffs
      • 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
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      • Tips for Families on a Single Income
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    • 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
      • How to Survive a Recession
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
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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
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
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      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
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      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
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    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Accountants in Auckland
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      • Tax Refunds
  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • 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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    • Kids Eat Free
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
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      • Temu Review
      • Affordable Online Clothes Shopping
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      • Black Friday New Zealand Deals
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    • Living Essentials
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Best Electric Bikes 2025: A Guide to Buying an Electric Bike in New Zealand

Our guide explains everything you need to know to buy the right electric bike at the best price.
Best Electric Bikes NZ
Updated 21 September 2025
Summary
  • ​From daily commutes through to weekend rides or off-road adventures, more and more New Zealanders are discovering the freedom and convenience of e-bikes.
  • They’re not just a smarter way to get around, they’re also a fun, sustainable, and versatile alternative to cars.
  • This guide covers everything you need to know about electric bikes in New Zealand, from choosing the best model for commuting, leisure, or off-road use, to our recommendations for top e-bikes suited to various lifestyles and budgets.
 
Our Electric Bike guide covers:
  • What is an Electric Bike & What Kind of Types Are Available?
  • ​​What Are the Key Features of Electric Bikes?
  • How Much Does an Electric Bike Cost in New Zealand?
  • Electric Bike Maintenance and Servicing
  • Lemon Test - Don't Buy an Unsuitable Electric Bike Model Without Checking What Really Matters
  • The Best Electric Bikes Available in New Zealand Right Now
  • Buying a Second Hand Electric Bike Online - What You Need to Know to Avoid a Stolen Bike
  • Frequently Asked Questions

​About This Guide - A Note from MoneyHub
  • We teamed up with Electrify NZ to create this guide because, frankly, we needed their expertise. They've been selling and repairing e-bikes for over ten years, and their workshop handles everything from brand-new bikes to ones that have covered 10,000km on Auckland's hills.
  • Why Electrify? They're not tied to any single brand - they stock Aventon, Gepida, Black, Smartmotion and others. This means they can tell us what actually works, not just what they need to shift. Plus, they fix what they sell, so they know which bikes come back with problems and which ones just keep rolling.
  • Their mechanics shared the kind of insights you only get from pulling apart hundreds of bikes - like why certain batteries fail early, which motors handle New Zealand conditions best, and what features are actually worth paying extra for.
  • Full disclosure: Electrify helped us understand the technical specs and shared their knowledge about different models. But this is very much a MoneyHub guide - we've based our recommendations on customer reviews, warranty claims data, and what real riders are saying online, and linked to relevant models Electrify sells as an example.
  • Important: If you spot something that needs updating or have a different experience with any of these bikes, let our research team know. E-bike tech moves fast, and we want to keep this guide current.

Best Electric Bikes NZ

What is an Electric Bike & What Kind of Types Are Available?

An electric bike is a power-assisted bicycle with an electric motor and built-in battery pack that can be charged to give you a power boost anytime you want it. You can ride your e-bike just like a normal bicycle or charge it up and take advantage of its power-assisted features to get further with less energy, surmount hills with ease, or simply have more incentive to go for a bike ride at your leisure. Electric bikes generally have the following features:
  • Variable speed which controls the power output of the motor.
  • Multiple sensor options (depending on the model) which regulate how much assisted power you get. The power depends on how hard or how fast you are pushing the pedals.
To give you a better understanding of how e-bikes work, and which one is best for you, we outline their features in greater detail in this guide.

What types of electric bikes are available?

The first thing to consider when selecting an electric bike is how you intend to use it. Generally, riders fall into three categories:
  1. Commuter or city riders who mainly use an electric bike for riding around town on paved surfaces. Bikes built for this purpose usually have LFC included. LFC stands for “Lights, Fenders, Carrier rack”, so the bike comes with integrated lights for visibility, fenders to prevent splashing from wet roads, and a carrier rack for transporting items. These elements make the bike practical for getting around town year-round and for carrying a pannier bag or basket for your belongings. These bikes also typically have smoother tyres, which means the surfaces of the tyres lack knobby tread and are designed to offer less rolling resistance on paved roads, making them suitable for road riding. There is also a specific type of city bike called a “cargo bike” that’s built to carry children or large loads, and these are typically more expensive than regular commuter e-bikes.
  2. Leisure and light trail riders. There is a great and growing network of cycle trails around New Zealand, from the Hauraki Rail Trail and Timber Trail in the North Island to the Great Taste and Otago Rail Trail in the South, and many others. The types of bikes suitable for this purpose usually have tyres with some tread on them, allowing for both on and off-road riding. They will often prioritise comfort as this is important to leisure riders. Note: Many riders of this style of bike (often referred to as an “SUV” or “ATB” (All-Terrain Bike)) also use them around town, as they are usually designed for versatility.
  3. Mountain bikers. For riders who enjoy taking their bikes to the mountain bike park, there is the e-MTB (electric mountain bike). These e-bikes usually cost more than bikes in the other two categories. They will often come with rear suspension (a system that absorbs bumps at the back wheel) and higher-end components (such as better brakes and gears) to handle the increased demands on the equipment that come from mountain biking.

​Once you’ve determined the type of rider you are, selecting the frame style that suits you best will help narrow down your options.

The two main styles of bike are the “step-through” frame, which lacks a horizontal bar, and those with a top-tube or “crossbar” frame, which includes a horizontal bar joining the seat and handlebars.

Step Through vs Top Tube Frames

Step Through vs Top Bar Electric Bikes

Step Through Electric Bikes

  • Bikes with these frames do not have a bar that goes across the top of the bike. Historically, some people may have considered step-through bikes most suitable for female riders; however, this perception has shifted, particularly with the rise in popularity of e-bikes.
  • Step-through electric bikes offer easier mounting and dismounting, as their design allows you to step through the centre of the bike rather than swinging your leg over a high frame. This design is popular with all demographics nowadays due to easy access, comfort, and safety.
  • This is particularly helpful for riders with limited mobility, those carrying cargo, or anyone who needs to stop and start frequently, such as at intersections. Hopping down off the seat provides extra stability whenever needed during your ride.
  • Typically, step-through e-bikes will also offer a more upright seating position, which many riders find more comfortable.

Cross-bar or top-tube frames

  • These frames feature a bar, called the top tube, that spans the top of the bike, essentially forming a triangular frame shape. This does provide some additional frame strength, which is generally only necessary in electric mountain bikes where the motor can add extra stress to the frame. Step-through frames made by reputable manufacturers are strong enough to handle any type of city riding and moderate trail riding (for example, a step-through trail bike like the Smartmotion XCapade is capable of handling a Grade 3 ride, such as the Timber Trail). Cross-bar frames, another term for frames with a top tube, usually offer a more 'forward' riding position, preferred by riders who want to travel faster or tackle more challenging terrain, while those seeking a more upright riding position may prefer step-through bikes.
  • There are also some frame variations that fall in between these two styles, often called “trapeze” frames, in which a crossbar is still present but at a lower height, making mounting and dismounting easier than on a standard cross-bar frame.

How much does an electric bike cost?

Once you’ve narrowed down how you intend to use an e-bike and your frame style preference, there will be options that range widely in price due to other factors, such as batteries, drive systems, motor wattage, and other variations that we discuss below.

Generally speaking, it is challenging to find a new e-bike under $2,500 that is made by a reputable manufacturer, well-supported, and of high quality. However, you may be able to find a second-hand, ex-demo, or clearance e-bike of sufficient quality within that price range.

There are two types of drives: Hub drive and Mid drive, with different impacts on the price. The most affordable e-bikes are often powered by a hub drive (see the next section for further info on these, including pros and cons). A hub drive from a high-quality brand, such as Aventon, might cost around $4,000. These bikes are often suited to city and commuter riding.

Mid-drives (mid-mounted electric motors on e-bikes), often favoured by leisure riders, typically start around the $4,000 mark, although some brands, such as Black, offer value-priced options below that price point. Mid-drives from a brand using a Bosch or Shimano system, the most commonly used e-bike motor systems in New Zealand, may be slightly more expensive.

Cargo bikes, which are often powered by Bosch, are commonly priced in the $8,000-$12,000 range; the Aventon Abound LR Cargo, at around $4,000, is an exception to this.

Electric mountain bikes are also pricier options. An entry-level “hardtail” (with no rear suspension) typically starts around $5,000, while “full suspension” electric bikes usually cost between $7,000 and $20,000+, depending on the brand, its components, and specifications.

Know This:
  1. Just because a bike looks like a good deal doesn't mean it is; there can be a lot more show than go bikes on the e-bike market as every bike manufacturer tries to bring down the prices of their budget options.
  2. When buying an e-bike, try and invest a bit more upfront so that it lasts longer and rides better. A good e-bike is worth investing in - it's a big purchase and one you don't want to repeat over and over.

Types of Electric Bike
When choosing an electric bicycle, you’ll find that every model is either comes with a mid-drive motor or a hub-drive motor. Mid-drive motors and hub-drive motors are two different motor types that both offer unique advantages depending on how you ride your bicycle and where and when you want your power-assisted features to come into play.
 
Mid-drive motors explained
  • The motor is built into the crank compartment between the pedals
  • It's designed to offer an extra measure of torque directly into the gears of your bicycle, minimising energy loss and maximising power.
  • The motor's positioning makes for more efficient RPM and versatile riding with a balanced feel. It also makes it easier to climb steep hills and reach faster speeds.
  • Mid-drive motors are relatively smaller and lighter and generally better with uphill and off-road efficiency and power.
  • It's easier to change a tire.
 
Hub-drive motors
  • The motor is attached to the centre of the rear or front wheel (typically the rear wheel).
  • The design and placement make the motor ideal for long-distance commuting on generally flat terrain
  • Generally, hub-drive e-bikes are more affordable than mid-drive bikes.
  • Hub-drive motors are independent drive system that require little-to-no maintenance. They experience less wear-and-tear on other bike mechanisms such as the chain and shifters.
  • Hub-drive motors run independently of a bike chain — you can break your chain and still ride home on electric power, and vice versa

Best Electric Bikes NZ

​What Are the Key Features of Electric Bikes?

Electric bikes come with various features that make them an attractive choice of transportation and recreation for riders of all ages and lifestyles. To explain what's available and make your buying process more informed, we have included a list of features and what they mean. The aim is to give you a better idea of how an electric bike works and what benefits they offer.

Throttle mode

Many electric bikes come with a throttle mode feature. This is a button or twist grip that gives you an instant electric-powered boost the moment you activate it. Throttle mode is used to propel your bike forward without pedalling. Generally:
  • Many e-bike throttles feature an adjustable dial that allows you to control the power
  • The throttle, which controls engine power, is most often used for boosting when climbing hills and navigating rough terrain.
  • Every throttle use expends the battery capacity
  • Energy efficiency is dependent on motor type

Pedal assist (Pedelec)

This feature provides electric-powered assistance while pedalling. The Pedelec feature gives riders a ‘smart bike’ feel as it makes pedalling more efficient and rewarding. With pedal assist mode, riders can travel further and conquer obstacles, such as hills and rough terrain, with less difficulty and strain. Pedelec offers a greater electric bike range and efficiency, and makes riding enjoyable. Many e-bikes offer variable levels of pedal assistance, such as:
  1. Low pedal assistance: This mode requires you to rely more on your physical strength and endurance to pedal, while offering minimal electric assistance. This is an ideal setting for a more natural biking experience, a better workout, or to conserve battery while still receiving some power output.
  2. Medium pedal assistance: this mode strikes a balance between power assistance and physical exertion. You’ll feel like there’s a tailwind blowing behind you, but you will still need to pedal if you want to keep moving.
  3. ​Maximum pedal assistance: With this setting enabled, your bike will deliver a maximum assistance boost, making it relatively easy to pedal forward to your destination. This will be the highest available pedal assistance setting next to full-throttle mode.

Electric bike sensors

Electric bikes rely on specialised sensors to determine how much power assistance you’ll need during pedalling and will adjust electric output based on how much power you’re using or how fast your pedals are spinning. Electric bikes are either equipped with a torque sensor, a cadence sensor, or both.

Torque sensor

  • Measures how much power you are using to push your pedals.
  • Allows for electric power assist fluctuation based on the amount of physical power you are exerting.
  • Emulates pedalling power very well and gives your bike a ‘smart’ feel.
  • It relies on more advanced and sensitive equipment, making it typically more expensive than other sensor types.
  • Ideal for bike riding that involves a lot of pedalling or more demanding exertion, as in the case of uphill and off-road riding.

Cadence sensor

  • Applies pedal assistance based on the speed at which you turn your pedals.
  • Can be adjusted according to pedal assist level (low, medium, high, etc.).
  • Works well with a throttle mode combination.
  • Cadence sensors are favoured for commuting across mostly flat terrain and situations where less pedalling demand is preferred (i.e., to work, school, and general commuting)

Batteries

The battery is usually the single-most expensive component on an e-bike, and probably the best reason to avoid e-bikes from less reputable brands. Off-brand batteries may not be as safe or durable as those from other brands, and they can be costly to replace if they fail. Avoid e-bikes that don’t offer a two-year warranty on electronic components.

The battery is essentially the “fuel tank” of your e-bike. A larger battery will be slightly heavier, but it will provide a greater range. Battery capacity (the size of the “fuel tank”) is measured in watt-hours (Wh). Some e-bike suppliers will describe their battery capacity in terms of amp-hours (Ah) instead of watt-hours, but comparing apples to apples is easy.

The power system on an e-bike operates at a specified voltage (typically 36V or 48V). To calculate watt-hours (Wh), multiply the stated voltage by the amp-hours (Ah).
So a 36V bike running a 20Ah battery will have a capacity of 720Wh. A 48V bike running a 15Ah battery will also have a capacity of 720Wh, so the size of the “fuel tank” is the same. 

Bike components

We’ve covered the frame, the motor, the control system, the battery, and other factors. Besides these, there are other components to consider when purchasing an e-bike:

Wheel size
  • The most common tyre size on an e-bike is now the 27.5” wheel. These suit a wide variety of riders and riding styles. Riders who want to ride faster (and whose height is medium to tall) may prefer a larger 29” wheel – these are often found in faster commuter e-bikes and on some mountain bikes (sometimes in a “mullet” configuration with a smaller 27.5” wheel on the back for traction).
  • At the other end of the scale, bikes designed for smaller riders, carrying cargo, or children are often equipped with smaller wheels, typically 24” or 26”.
Drivetrain
  • The chain, cassette/sprocket, and gear shifting system on a bike are collectively referred to as the drivetrain.
  • E-bikes usually have fewer than 12 gears, with most equipped with between 7 and 10 gears. This is perfectly adequate for most scenarios, as the motor assistance allows a smaller number of gears to work just fine for climbing steep hills, as well as accelerating at speed.
  • Shimano and SRAM are the primary manufacturers of drivetrain componentry, offering a range of product tiers. Having higher quality components is most important on e-MTBs, and less important on city and leisure bikes, where their more economical systems will usually suffice.
Brakes
  • Brakes are one of the most important parts of your bike – Shimano, Magura, and Tektro are reputable brands with parts and support available locally.
  • Bikes can have rim or disc brakes, and disc brakes can be either mechanical or hydraulic. Disc brakes generally perform better than rim brakes, especially in wet weather. Hydraulic brakes outperform mechanical brakes and are generally recommended, particularly on more powerful bikes.
  • Hydraulic brakes usually cost a little more, but allow you to apply strong braking pressure more easily because the brake fluid (rather than just your own hand pressure) is doing the work.

Seatpost and Saddle
  • Leisure riders may prefer a gel-type comfort saddle, while sportier riders may prefer a more sporty style. The good news is that if you don’t like the saddle on a bike, but like the rest of the bike, it’s a very easy thing to change. It’s important to get a saddle that you feel comfortable riding.
  • Many e-bikes are also equipped with suspension seatposts for comfort – these can be the basic sprung-type or the more sophisticated trapeze mechanism found on products like the Suntour NCX.
  • Some e-bikes are also equipped with “dropper” posts, which allow the rider to adjust the seat upwards using a lever attached to the handlebar, thereby extending their legs fully. Then, when the rider comes to a standstill, the rider can move the seat down so that their feet can touch the ground. This feature is popular on both leisure and electric mountain bikes.

Suspension
  • Most electric bikes come with a suspension fork on the front, which helps absorb some of the bumps on the ride for added comfort. The amount of “travel” on the fork is a measure of how much impact it can absorb. Forks with 65mm to 100mm travel are common on city/commuter e-bikes and are suitable for that purpose.
  • They often come with a lockout feature, allowing the suspension to be turned off for more efficient riding. Travel on electric mountain bikes typically starts at 120mm, with 160 mm or more travel found on bikes designed for steep and rough descents.

Understading the Range

  • One of the most common questions asked about e-bikes is how far they will go, and the answer is always “it depends.”
  • As a general rule, approximately 15km per 100 Wh of battery is possible for a relatively light rider on a moderately low level of assistance, on mostly flat and smooth terrain.
  • However, the range for a heavy rider may be around 40% less than for a light rider, the range on hilly terrain may be around 15% less than on flat terrain, and the range on the highest power mode can sometimes be less than half of the lowest power mode.
  • Higher average speeds can also impact the range; the difference between travelling at an average of 32kph vs 20kph can be around 30%. There are also other factors, such as tyre inflation (firmer = greater range) and the amount of pedalling effort you make (more effort = greater range).
  • Most e-bikes should travel 50km or more for most people, which is usually more than enough for a typical day’s riding.

Best Electric Bikes NZ

How Much Does an Electric Bike Cost in New Zealand?

Just like any product, electric bike prices vary depending on your preferences and the selection of features which you want to have. Right now:
  • A typical entry-point for a basic electric bike is around $2,500.
  • High-end electric bikes can cost as much as $10,000 or more.
  • While the importance of affordability should be a priority, your choice of electric bicycle should also be influenced by its role in your life and whether it’s an investment that will simply pay for itself in the long run.

What type of electric bike should I choose?

Your choice of electric bike should reflect your lifestyle and expectations in terms of performance and versatility. What model you select will most likely be driven by your day-to-day needs and budget.

Option one: Electric bike with hub-drive motor

  • If the main purpose of your electric bicycle is for daily commute in your town or city, where roads are generally flat and you’re simply trying to get to-and-fro with minimal effort and as quickly as possible, a hub-drive e-bike is probably most suitable.
  • A hub-drive motor e-bike with a cadence sensor should meet your everyday needs, and the right model can be more affordable than you think.

Option Two: Electric bike with mid-drive motor

  • If your bicycle plays a more recreational role in your life, where mountain biking, town-to-town exploring and mobile workouts are your two-wheeled priorities alongside daily commuting, then a mid-drive motor with a torque sensor will allow you to get the absolute most out of your bicycle journeys. It will also help you to get plenty of exercise without getting totally burned out (or simply disengage all of your electric features and sweat away).
  • Many e-bikes also come with both torque and cadence sensors (these bikes typically tend to be on the higher-end) and throttle mode can be included with any type of motor or sensor.

How far does an e-bike go on a single charge?

The answer depends on which type of e-bike you have and how you decide to utilise your power assist features. Some factors that will determine your battery’s power output include:
  • Pedal assist settings
  • How much you use the throttle mode
  • Road surface or terrain
  • Tyre pressure
  • Wind resistance
  • Bike model
 
Generally, riders can expect their electric bicycle to cover roughly 30km or so on full assist mode or with extensive use of throttling to as much as over 100km on flat terrain and lower assistance levels on a single charge.

Best Electric Bikes NZ

Electric Bike Maintenance and Servicing

  • Equally as important as the e-bike itself is how it will be supported and serviced after you have bought it. Some sellers (especially online) are happy to take your money but may not have the brick-and-mortar network to support you if something should go wrong.
  • When buying an e-bike in New Zealand, one of the most important things you’ll need to consider is its long-term reliability. Specifically, does the e-bike come with an extended warranty? Does the supplier have available replacement parts here in New Zealand? If the answer to both of these questions is no, it may be best to consider a different retailer and e-bike brand that can offer a more reassuring service platform for your future needs.
  • Buying from an established brick-and-mortar store with a good reputation for customer service gives you some assurance that if something should go wrong, they’ll be there to help you out.
  • Regular servicing of your e-bike by a professional mechanic will also ensure it stays in tip-top condition, lasts longer, and enhances its resale value.
  • An electric bike is built with a lot of unique parts which will eventually require service as time goes by. Things such as the motor and battery should only be replaced with manufacturer’s parts, and even basic components may best be replaced with original parts to ensure smooth operation and performance.
  • Check the warranty policy of the supplier – warranties on electronics should be at least two years, and the frame should have a warranty that is at least as long. Some manufacturers, such as Aventon and Gepida, even offer lifetime warranties on their frames.

We recommend calling-in or visiting the retailer of choice to discuss product warranty and available replacement parts. Fortunately, the ongoing electric bike boom in New Zealand has prompted many e-bike retailers and service providers to welcome e-bikes as a new bike standard and have expanded their repair bays and parts orders to accommodate a growing demand for electric bicycle repairs.

Lemon Test - Don't Buy an Unsuitable Electric Bike Model Without Checking What Really Matters

Lemon Test - Don't Buy an Unsuitable Electric Bike Model Without Checking What Really Matters

This checklist will help you to make sure you don't buy a sub-standard electric bike. If you're in doubt about anything, make sure you ask the person selling the electric bike - there are no silly questions when you're spending what a typical electric bike costs. 
  1. Torsional rigidity. To test this, grab the steering and end of rear rack/top of the rear tire, pushing with one arm pulling with the other. Looking at the centre of the bike - is there a twist?
  2. Fork test, axial stability. Hold the front brake and wiggle the bike forward/backwards. Any play? Now, try doing this with a non-suspended bike. The difference is marked; do you need suspension? For commuting, it's good to know as you also save 2.5 kg weight.
  3. Add up your OHM's. wh= V x Ah - calculate how far the battery will take you.
  4. Wiring. Where does it run or feed? Internal cabling shows better design and quality. 
  5. Do your due diligence on the bike shop. Is it a true Brick and Mortar shop, or one looking like it may move on after you buy it? Find out the retailer's history and how long they've been established. You will need them when it comes to spares, technical help, manuals, warranties etc.
  6. Rattle and hum test: How robust is the bike? Shake the bike, lift and drop it. Does it feel together? 
  7. Bike the bike. Use pure pedal power. Turn the bike off and try it like an old bike. By doing so, you will tell if the geometry and design of the mechanical setup are up to scratch. An excellent electric bike starts by being a good bike. 
  8. Size, and adjust rider position and comfort. Ask yourself, can I sit here for hours and hours? Don't rush a decision - test rides are recommended for this very reason. ​

Best Electric Bikes NZ

The Best Electric Bikes Available in New Zealand Right Now

Our list below, which is in no particular order, covers electric bikes available New Zealand-wide. We have selected these based on average consumer reviews collected from consumer.org.nz as well as various vendor websites and social media platforms both in New Zealand and, if available, overseas.

Due to massive changes in market, some of these models may not be available immediately but there will be similar bikes around. Ask an e-bike expert about similar models to find the best model for your needs.

Commuter and City Bikes

Value option: Aventon Level 3


From the USA's #1 e-bike brand, the Level 3 comes fully equipped with a rear rack and fenders, ensuring you can carry necessities while staying clean and dry during your rides. A front suspension fork and suspension seat post provide maximum comfort on rougher terrain. Aventon’s technology provides peace of mind with GPS tracking, auto-lock, unusual movement detection, alarm system, and much more to keep your bike safe and secure. Built-in indicators provide better safety when riding around town.
Available in both cross-bar and step-through frames

More details: Aventon Level 3 $3,799

Avanti Metro-E City 2

Premium option: the Gepida Ruga Pro Tour

This bike is recommended by Consumer as the #1 rated bike among all they have tested. It is European-made with a lifetime frame warranty.

Using the Bosch Performance Speed motor, the bike will assist up to 45 km/h while providing hill-climbing capability with 85 Nm of torque. It also utilizes the Bosch Smart system, featuring various smart functions and customizable settings. Available in both cross-bar (on a 29” wheel) and step-through (with a 27.5’ wheel) options.

More details: Gepida Ruga Pro Tour $6,799
Sinch Jaunt 2

Cargo Bikes

Value option: Aventon Abound LR

Cargo bikes can be costly, and the Aventon really stands alone as a serious cargo bike at this price point. From the USA's #1 e-bike brand, the powerful motor, long rear rack, and 200kg payload capacity make this a capable cargo carrier, whether you're loading up the kids or your grocery haul. With a gravity-cast frame, adjustable quill stem, front suspension, and suspension seatpost, it provides a comfortable ride. The Aventon app offers ride customization and security features.

More details: Aventon Abound LR $4,199
Sinch JAUNT EZ 3

Mid-range option: Gepida Cargo

The Gepida Cargo City is practical and versatile, capable of transporting up to 180 kg of goods or 2 passengers. The Bosch Performance Speed motor (85Nm, 45kph), paired with a dual battery (a second battery is optional), offers speed, hill-climbing performance, and extended range to keep you on the road for longer. Front and rear load areas offer multiple options to accommodate bags, boxes, or other items you want to carry. Made in Europe with a lifetime frame warranty.

​More details: Gepida Cargo $7,999
Picture

Leisure and Trail Bikes

Value option: Black ATB48V

Likely the best bang-for-buck mid-drive in New Zealand, with a throttle, a powerful motor, and a large 720Wh battery, it’s a very capable NZ-designed all-rounder that is also very capable on-road, with a top speed of around 40kph. 

​​​​More details: Black ATB48V $3,599
SCOTT Silence eRIDE 20

Mid-range option: Smartmotion X City Pro

The latest design from New Zealand e-bike legend Anthony Clyde, Smartmotion is New Zealand’s most established e-bike brand. With the refinement of the Motinova motor system, a large 720Wh battery, and Clyde’s design flair, this e-bike will appeal to riders who want a higher component spec but don’t need to pay the extra cost of a full-suspension electric bike.

More details: Smartmotion X City Pro $4,499
ONYA E-Bikes F-19

Premium option: the Smartmotion XCapade

One of New Zealand’s most popular e-bikes, the Smartmotion XCapade features the key components of the Smartmotion X City Pro, including rear suspension for enhanced comfort and a dropper post for added convenience and safety.  It’s also very well-priced compared to other options from Bosch and Shimano-powered brands.

More details: Smartmotion XCapade $5,999
ONYA E-Bikes F-19

Electric Mountain Bikes

Value option: Cube Stereo Hybrid 140 HPC Pro

A great value, full-suspension option that is now available at a discount. This bike features a RockShox Recon Silver RL fork with 140mm of travel, a RockShox Deluxe Select shock, grippy Schwalbe Nobby Nic tyres, and Magura 4-piston brakes. Paired with Bosch’s CX motor (85 Nm), a PowerTube battery, and SRAM Eagle 12-speed gears, it delivers power, range, and control for any adventure.

​​​More details: Cube Stereo Hybrid 140 HPC Pro $7,599 
Nocro Sight VLT A2 29

High-performance option: Cube Stereo Hybrid One44 HPC AT 800 ActionTeam


This bike is built for serious trail performance. SRAM XO Eagle 12-speed gearing and Schwalbe Magic Mary/Big Betty tyres give you control and traction, while Shimano XT 4-piston brakes ensure confident stopping power.

The lightweight carbon frame features clean internal cable routing, an angle-adjustable headset, and a Bosch top tube display for easy ride data. With Fox Factory suspension (150mm front/140mm rear) and a dropper post, it’s ready for the toughest trails.

​​More details: Cube Stereo Hybrid One44 HPC AT 800 ActionTeam $14,499
Avanti Hammer-e LT 1

Premium option: KTM Prowler Exonic


The good news is this bike is last year’s model, so it is available at prices well under RRP.
This premium Austrian-built e-bike is designed for racing, extreme terrain, and pure riding fun. The MACINA PROWLER Exonic features a carbon frame, 180mm of front and 170mm of rear travel, with KTM’s STRAIGHT-LINE-LINK suspension for precise and responsive control.

Its mixed-dimension “mullet” wheel setup combines a 29-inch front for stability with a 27.5-inch rear for traction and power. Powered by the exclusive Bosch Performance Line CX Race motor, it can be customised through the Bosch Flow app for ultimate performance.

​​​More details: KTM Prowler Exonic $23,499
Norco Fluid VLT 1 Electric

Buying a Second Hand Electric Bike Online - What You Need to Know to Avoid a Stolen Bike
​

Buying a Second Hand Electric Bike Online - What You Need to Know to Avoid a Stolen Bike

When buying a second-hand electric bike online, keep in mind some will be stolen bikes. Ask yourself - does the person selling seem like this electric bike belongs to them? Are they a trusted seller on Trade Me or verifiable offline? 

If you're comfortable dealing with the seller, the bike must have the following essential items:
  1. Charger
  2. Battery
  3. Keys

If it's missing any of these items, this should be a big alarm that it's a stolen bike and best avoided. When buying an e-bike, the recommendation is to buy a high quailty lock, d-locks, or high safety-rated chains as soon as you take possession of it. Frame locks are another excellent option - make sure to buy an extension chain as well if you can.

Best Electric Bikes NZ - Frequently Asked Questions

Frequently Asked Questions

Do I need a license or registration to ride an e-bike in New Zealand?

No license or registration required for e-bikes with motors up to 300W that cut out at 32km/h. However, if you modify your bike to exceed these limits or buy an overpowered import, you're technically riding an unregistered moped and could face fines. We suggest sticking to compliant bikes from reputable retailers - they'll keep you legal, and the motor assistance is more than enough for Wellington's steepest hills.

How much will I actually save compared to driving?

Most commuters save $3,000-$5,000 annually when replacing car trips. Generlaly, a 20km daily commute costs about $3,500/year in petrol alone, plus $1,200 parking, $800 registration/WOF, and maintenance. An e-bike costs about 3 cents per charge, needs a $150 annual service, and pays for itself within 12-18 months. Even accounting for battery replacement every 4 years ($1,000), you're thousands ahead.

Will my e-bike get stolen?

E-bike theft is real - especially for bikes left outside overnight or locked with cheap cables. Invest in a proper D-lock or chain rated Sold Secure Gold (minimum $100), always lock through the frame and wheel to something immovable, and bring it inside at home and work if possible.

Check if your contents insurance covers e-bikes - many policies include them up to $3,000. For bikes over that value, consider specialised bike insurance at around $30/month.


What happens when it rains?

Quality e-bikes are water-resistant and handle rain fine - the motors and batteries are sealed against splashes. You'll need mudguards (most commuter e-bikes include them) and decent lights. Avoid deep puddles that submerge the motor, never pressure-wash your bike, and dry it after wet rides to prevent rust. Most regular cyclists find that with proper gear (waterproof jacket and pants), riding in the rain becomes a non-issue after the first week.

How long do batteries really last, and what's the replacement cost?

Expect 3-5 years or 500-1,000 charge cycles from a quality battery. A battery good for 50km that you charge twice weekly will last about 5 years. Replacement costs $800 to $1,500, depending on the capacity.

This is why buying from established brands matters - off-brand replacements might not exist in three years. Pro tip: keep your battery between 20-80% charge when possible and store it indoors during winter to maximise lifespan.

What about insurance - is it worth it?

For bikes over $3,000, absolutely. Check your contents insurance first - many cover e-bikes as standard contents up to certain values. Standalone bike insurance costs $25-$50 per month, depending on the value, and typically covers theft, accident damage, and liability. Some insurers offer new-for-old replacement in the first two years. Given that a decent e-bike costs the same as a cheap car, protecting your investment makes sense.​

Can older riders or those with mobility issues safely ride an e-bike?

E-bikes are actually ideal for riders over 60 or those with joint problems, bad knees, or recovering from injury. The step-through frames mean no leg-swinging gymnastics, and the motor assistance lets you tackle hills without strain. Many physios now recommend e-bikes for cardiac rehab and arthritis management because you control exactly how much effort you put in.

The key is getting a properly fitted bike - a good bike shop will adjust the handlebar height, seat position, and even swap pedals to suit your needs. Start with maximum assistance and dial it back as fitness improves. One caution: the extra weight (20-25kg vs 12kg for regular bikes) means they handle differently at low speeds. Practice in a car park before hitting traffic.

How do I stop my teenager from hacking the speed limiter?

Kids watch YouTube videos showing how to "derestrict" e-bikes to go 50km/h+. Here's the reality check: tampering makes the bike illegal, voids the warranty, insurance won't cover accidents, and motors burn out quickly when overpowered. Bosch and Shimano systems now detect tampering and lock the motor permanently.

​More importantly, a derestricted e-bike becomes a moped legally - your teenager could face fines for riding an unregistered vehicle without a license. If they cause an accident, you're personally liable for damages. Instead of fighting this, consider letting them earn a restricted license at 16 and get a proper moped - it's actually safer than a hacked e-bike and keeps them within the law.

Related guides:
  • Best Personal Loans: Interest rates can be cheaper than what a retailer offers - compare in advance so you don't overpay. 
  • Compare Contents Insurance: Many policies cover ebikes to protect your investment
  • ​Best Electric Scooters: Our guide explores different types of electric scooters available in New Zealand and factors to consider when buying one​​.
  • Best Electric Cars: Our guide provides comprehensive information about electric cars, including types of electric vehicles, cost considerations, and frequently asked questions​​.
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        • 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
    • 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
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
      • ACC CoverPlus Extra (CPX) Explained
      • Co-Shareholder Insurance Cover
    • Find a Broker
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
  • 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 Have Ended – Best Replacement Options
      • BNZ Advantage Credit Cards Are Changing (Not Good News) – 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
        • AMEX Airpoints Platinum - Real Cardholder Reviews & Facts
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • 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
      • China Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • South Korea 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
      • Sending Money to Australia
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
      • 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 2026 & 2027
      • 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
      • Self-Employed Mortgage Applications
      • Interest Rate Strategies
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Top 10 Areas for First Home Buyers 2025
      • 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
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • 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
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      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
    • KiwiSaver Schemes
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
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      • 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
        • Pathfinder vs ANZ KiwiSaver Growth Funds Comparison
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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      • KiwiSaver Returns Calculator
  • Business Loans & Tools
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    • Compare Business Loans
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      • Car Loan Repayment Calculator
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Wise Business Account Review
    • Business Essentials
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      • Get Debtors to Pay Overdue Invoices
      • Working Capital
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      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
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      • Provisional Tax
      • Lighthouse Accounting Services Review
      • PAYE Tax Rates 2025 & 2026
      • Tax Codes in New Zealand
      • Minimum Wage
    • Business Calculators & Resources
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      • GST Due Dates 2025
      • ROI Calculator
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      • Internal Rate of Return
      • Percent Off Calculator
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Digital Marketing Agencies Auckland
      • Video Production Auckland
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      • 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
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      • 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
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      • 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
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      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
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    • 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
      • Best Ways 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
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      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
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      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Mobile & SIM
    • Compare Mobile Plans
    • eSIM Plans
    • SIM Only Mobile Plans
    • Mobile Data Roaming
    • Revolut eSIM – Real User Reviews, Facts & Comparison
    • Saily Review
    • Zeronet Mobile Review
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Apple Watch Buying Guide
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Zeronet Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Mercury Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Electric Kiwi Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Powershop Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • Best and Worst Loyalty Programmes
      • 10 Things to Do Differently with Money in 2026
      • 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 Ways to Save on Household Bills
      • 20 Supermarket Ripoffs
      • 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
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Financial Coaches
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
      • SortMe Review
    • Repaying Debt
      • Debt Help
      • Debt Repayment Apps
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Accountants in Auckland
      • Accountants in Wellington
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
        • Nielsen Online (Computer & Mobile Panel) Review
        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
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      • Free Money from the Government
      • Hosting International Students
      • How to Sell on Fiverr
      • Trade Me Selling Tips
    • Kids Eat Free
    • Prezzy Cards
    • Meal Kits & Supermarkets
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
      • Woop Review
      • Online Supermarkets
      • Save Money on Food
      • Supermarket Christmas Clubs
        • Countdown Christmas Club Vouchers
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
    • Entertainment
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        • Best Netflix Movies
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      • Amazon Prime Video Review
        • Best Amazon Prime Movies
        • Best Amazon Prime TV Shows
      • Disney+ Review
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    • Consumer Rights
      • How to Get a Refund, Repair or Replacement
      • What To Do If You Do NOT Receive Your Refund
      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
      • Christchurch School Holiday Activities
    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
      • Dress Size Conversion
      • Temu Review
      • Affordable Online Clothes Shopping
      • Best Baby Clothes
      • Buy Books Online
      • Black Friday New Zealand Deals
      • Mother's Day Ideas and Gifts
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      • New Zealand Fashion Designers
    • Living Essentials
      • FInding a Rental in Auckland
      • Gym Memberships Guide
      • Daycare Checklist
      • Pet Sitters - Options and Costs
      • Storage Units & Self-Storage Facilities
    • Senior Living
      • Retirement Villages
      • Rest Homes and Residential Care Facilities - Costs and Financing
      • Medical Alarms
    • Wedding Resources
      • Wedding Budget Calculator
      • Weddings on a Budget
    • Home & Kitchen
      • Bathroom Renovations Guide
      • Best Vacuum Cleaners
      • Best Heat Pumps
      • Best Clothes Dryers
      • Best Coffee Grinders
      • Best Waffle Makers
      • Best Air Purifiers
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      • Best Treadmills
      • Best Washing Machines
      • Best Air Fryers
      • Best Juicers
      • Best Fridge Freezers
      • Best Mattresses
      • Best Slow Cookers
      • Best Pressure Cookers
      • Best Blood Pressure Monitors
      • Best Ride-On Lawn Mowers
      • Best Lawn Mowers
      • Best Meat Thermometers
      • Best Printers
      • Best Computer Desks
      • Best Antivirus, Anti-Malware and Internet Safety Habits
      • Best VPN Services
      • Best Password Managers
      • Best Wifi Extenders
      • Best Electric Scooters
      • Best Electric Bikes
      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
      • Weight Loss Shakes
      • Teeth Whitening
      • Anti-Ageing Creams
      • Hair Straighteners
      • Sunscreen
      • Weight Watchers Review
  • Trade Services
    • Auckland Trade Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Artificial Grass Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • House and Land Packages Auckland
      • House Wash Auckland
      • House Painters Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Rubbish Removal Companies in Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Sports Massage Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Wedding Dresses in Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
      • Builders Wellington
      • Building Inspectors Wellington
      • Car Detailing Wellington
      • Catering Wellington
      • Cattery Wellington
      • Dentists Wellington
      • Dog Boarding Kennels Wellington
      • Dog Daycare Wellington
      • Dog Grooming Wellington
      • Drainage Services in Wellington
      • Electricians Wellington
      • Firewood Wellington
      • Glaziers Wellington
      • Gutter Cleaning Wellington
      • Gym Memberships Wellington
      • Heat Pump & AC Specialists Wellington
      • House Painters Welliington
      • Lawn Mowing Services Wellington
      • Locksmiths Wellington
      • Mechanics Wellington
      • Panel Beaters Wellington
      • Personal Trainers Wellington
      • Pest Control Wellington
      • Plumbers Wellington
      • Puppy School Wellington
      • Roofing Wellington
      • Wedding Photographers Wellington
    • Christchurch Trade Services
      • Arborists Christchurch
      • Bathroom Renovations Christchurch
      • Builders Christchurch
      • Building Inspectors Christchurch
      • Car Detailing Christchurch
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