MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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The Best VPN Services for New Zealand Use

Our guide outlines the best VPNs, VPN pros and cons, ongoing costs and how to save money. We compare NordVPN vs AtlasVPN vs Surkshark vs ExpressVPN vs Hotspot Shield vs IPVanish vs TunnelBear side-by-side.
Best NZ VPN Networks
Updated 31 December 2024

VPNs are increasingly popular throughout New Zealand and the cost of buying an annual subscription is falling. This guide is designed to explain what you need to know about VPNs and help you make an informed purchase. 

​Our VPN Buying Guide Covers:
  • What to look for when choosing a VPN
  • The Best VPNs Available in New Zealand Right Now
  • VPN Comparison: NordVPN vs ExpressVPN vs Hotspot Shield vs IPVanish vs TunnelBear
  • Frequently Asked Questions

MoneyHub Founder Christopher Walsh shares his experience with VPNs and his preference for NordVPN:

NordVPN
Visit NordVPN
"I've been using NordVPN for years and believe it to be the best around. The pricing is affordable, with plans starting from just USD$3.49/month with a 30-day money-back guarantee. NordVPN has never let me down and is a service I rely on everyday for my work".

"What sets NordVPN apart, though, is its commitment to New Zealanders, which is rare in among VPN service. NordVPN has a dedicated server in Auckkand which means more bandwidth and happier clients, myself included. While not all servers offer torrent support, I believe it's the best VPN choice for anyone looking for an unbeatable presence in New Zealand".

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


What is a VPN and how does it work?

Each time you do anything online (browsing the news, checking social media, torrenting, streaming), your basic information is seen by your Internet Service Provider (ISP) as well as the recipient. A VPN solves that privacy issue by acting on your behalf as an intermediary. A VPN lets you go anywhere unnoticed, even geo-blocked places. That level of anonymity is what makes VPNs so valuable. 
How a VPN works
Browsing without a VPN
How a VPN works
Browsing with a VPN

How much does a VPN cost?

How much you pay depends on the service and the exchange rate between the NZD and USD (as all VPN services are priced in USD). With the right deal, you should be able to get a VPN for about NZ$50 to NZ$80 a year. VPN services frequently promote generous discounts to get new customers.

​Top 5 Reasons to Use a VPN in New Zealand

Recent statistics have shown that most people use VPNs to overcome the ever-growing restrictions imposed by several countries to access certain content. In New Zealand, users also find VPNs extremely useful for:
  • Streaming geo-blocked content from other countries (Netflix, BBC, Disney Plus, etc)
  • Watching New Zealand content (football, rugby, cricket, etc) while outside of New Zealand
  • Staying clear from bandwidth caps and/or throttling imposed by ISPs
  • Safely using P2P sharing networks
  • Protecting their privacy from snoops
 
The best approach to find the right VPN for your needs:
To find the right VPN, you'll need to first decide what your you need the service for and what will influence your choice. Common factors include:
  • Accessing geo-blocked content
  • Increasing connection speed
  • Torrenting
  • Protecting privacy
  • Price/value for money
  • Accessing a variety of countries' IP addresses 

For instance, you might not be interested in watching content from Netflix USA but browsing with a high level of privacy at an affordable price. Or perhaps, you do want to stream content from specific countries like the UK, Australia, USA etc; in that case, you will need a VPN service that covers those specific locations.

Best NZ VPN Networks

What to look for when choosing a VPN

​It is time to talk about a few aspects concerning what to look for when choosing a VPN. We will not overwhelm you with overly technical aspects, but easy to find information that most VPN providers advertise on their websites.
  • The total number of servers. The number of servers is a subjective aspect that gives you an idea of the provider size as well as its ability to handle traffic demand from its customer base. Generally, the more the better.
  • Countries where the VPN has servers installed. The importance of this aspect varies from one user to another. If you travel outside New Zealand during rugby season and need access to local content as if you where at home then you need a provider with servers in New Zealand. If you want to access Netflix USA content from New Zealand then you have no option but choosing a VPN having servers in the USA to make Netflix think you are streaming from there.
  • Simultaneous connections. Once you sign up for a VPN, you will have to download and install their app on each of your devices. You can install the app on as many devices as you want, but each provider has limits on the number of simultaneous connections allowed.
  • Geo-blocking support. If bypassing geo-restrictions is important, this is feature is essential. Not all VPNs can bypass Netflix tough geo-blocking algorithms.
  • Torrenting support. Similar than with geo-blocking, not all VPN providers allow torrenting in their servers.
  • Native support. Arguably this is one of the most overlooked factors. Pay special attention to what devices are supported by the VPN provider. For instance, do not assume that all VPNs support Android or iOS.
  • VPN operation headquarters. This is only important if you are serious about privacy. Certain countries (like the United States) have laws in place that force VPN providers to share certain information if required.
  • VPN logging policy. One step deeper on the privacy topic, not all VPN providers have the same policy regarding the information they store. If you need the highest level of anonymity then you should pay attention to this factor.
  • Bitcoin payments. Yes, this matters from a privacy standpoint too. Bitcoin payments are untraceable, so if your concern for privacy is that high, then you should choose a provider that accept Bitcoins.
  • Kill Switch support. Without diving into technical aspects, it is safe to assert that the kill switch feature is desirable. That said, you will notice that not all VPNs offer this feature on all devices. Since this is a high-level privacy feature, we suggest choosing a provider offering the kill switch on as many devices as possible.

MoneyHub Founder Christopher Walsh shares his experience with VPNs and his preference for NordVPN:

NordVPN
Visit NordVPN
"I've been using NordVPN for years and believe it to be the best around. The pricing is affordable, with plans starting from just USD$3.49/month with a 30-day money-back guarantee. NordVPN has never let me down and is a service I rely on everyday for my work".

"What sets NordVPN apart, though, is its commitment to New Zealanders, which is rare in among VPN service. NordVPN has a dedicated server in Auckkand which means more bandwidth and happier clients, myself included. While not all servers offer torrent support, I believe it's the best VPN choice for anyone looking for an unbeatable presence in New Zealand".

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


Best VPN New Zealand

The Best VPNs Available in New Zealand Right Now

Our VPN provider list is based on 15+ key features, prices, speed and server availability. We have a side-by-side VPN comparison to help you see the difference between providers. Best of all, all of the top five VPN services offer (at least) a 30-day money-back guarantee. This lets you try without risk. 

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1. NordVPN Review

Pricing: From USD$3.49/month (2-year plan) - 30-Day Money-Back Guarantee
 
Available on: Windows, macOS, Linux, Android, iOS, AndroidTV, Chrome, Firefox, and routers

Overview:
No other VPN service provider is as committed to New Zealanders as NordVPN, based on the servers available locally. Each server incurs costs, so running dozens of them all over New Zealand is a significant investment. More servers imply more bandwidth and less overload hence happier clients. However, not all NordVPN servers offer torrent support; if downloading torrents is your main focus, you probably need to consider other options. However, if you are looking for a VPN with an unbeatable presence in New Zealand, VPN is arguably the best choice. 
 
NordVPN highlights at a glance:
  • Counts with a network consisting of 5,400+ servers distributed in 59 countries
  • Counts with over 30 servers in New Zealand
  • Supports up to 6 simultaneous connections on multiple devices
  • Does it count with unlimited bandwidth? Yes
  • Can it unblock Netflix? Yes
  • Can it unblock Spotify? Yes
  • Does it support torrenting? Yes, in selected servers
  • Native Support: Windows, macOS, Linux, Android, iOS, AndroidTV, Chrome, Firefox, and routers
 
NordVPN security and privacy:
  • Where is based? Panama
  • Logs my traffic? No
  • Logs my DNS requests? No
  • Logs my IP address? No
  • Logs my timestamp? No
  • Logs my bandwidth? No
  • Accepts Bitcoin? Yes
  • Kill Switch? Yes, Windows, macOS, Linux, Android 7+, and iOS.
 
NordVPN Pros and Cons:
Pros:
  • Widest VPN presence in New Zealand with over 30 servers deployed locally
  • Double VPN changes IP twice for added privacy
  • Updates Netflix geoblocking algorithm regularly
Cons:
  • Torrent support not available on all servers
  • Doesn’t offer the fastest speeds

More information: NordVPN New Zealand
Surfshark VPN Review NZ

2. Surfshark VPN Review

Pricing: From USD$2.39/month (2-year plan) - 30-Day Money-Back Guarantee

Platforms it's available on: Windows, macOS, Linux, Android, iOS, FireTV, AppleTV, Chrome, Firefox, and routers

Overview: Surfshark is a popular VPN service provider that offers a wide range of features at an affordable price. With over 3,200 servers in over 65 countries, Surfshark provides users with fast and reliable connections, unlimited bandwidth, and the ability to unblock popular streaming services like Netflix, Hulu, and Amazon Prime Video.

Surfshark highlights at a glance: 
  • Counts with a network consisting of 3,200+ servers distributed in 65 countries 
  • Supports unlimited simultaneous connections on multiple devices 
  • Does it count with unlimited bandwidth? Yes 
  • Can it unblock Netflix? Yes 
  • Can it unblock Spotify? Yes 
  • Does it support torrenting? Yes 
  • Native Support: Windows, macOS, Linux, Android, iOS, FireTV, AppleTV, Chrome, Firefox, and routers

Surfshark security and privacy: 
  • Where is based? British Virgin Islands 
  • Logs my traffic? No 
  • Logs my DNS requests? No 
  • Logs my IP address? No 
  • Logs my timestamp? No 
  • Logs my bandwidth? No 
  • Accepts Bitcoin? Yes 
  • Kill Switch? Yes, available on all platforms

Surfshark Pros and Cons: 
Pros: 
  • Affordable pricing with a wide range of features 
  • Fast and reliable connection speeds 
  • Supports unlimited simultaneous connections 
Cons: 
  • Some servers may be slower than others 
  • Customer support can be slow to respond at times 
  • Limited server network compared to some other VPN providers

More information: Surfshark New Zealand
Atlas VPN Review NZ

3. AtlasVPN Review

Pricing: From USD$1.83/month (3-year plan) - 30-Day Money-Back Guarantee
 
Available on: Windows, macOS, Linux, Android, iOS, AndroidTV

Overview: AtlasVPN is a virtual private network (VPN) service providing fast and secure internet access. It offers advanced security features such as military-grade encryption and protocols to protect users' online privacy and security. AtlasVPN has a no-logs policy, which means it doesn't store any data on users' internet activities. AtlasVPN offers unlimited bandwidth and supports torrenting.

AtlasVPN highlights at a glance: 
  • Counts with a network consisting of 750 servers distributed in 38 countries 
  • Supports up to 5 simultaneous connections on multiple devices 
  • Does it count with unlimited bandwidth? Yes
  • Can it unblock Netflix? Yes
  • Can it unblock Spotify? Yes
  • Does it support torrenting? Yes, most of their servers are P2P-friendly
  • Native Support: Windows, macOS, Linux, Android, iOS, AndroidTV

AtlasVPN security and privacy:
Where is based? United States.
Logs my traffic? No
Logs my DNS requests? No
Logs my IP address? No
Logs my timestamp? No
Logs my bandwidth? No
Accepts Bitcoin? Yes
In which platforms is Kill Switch available? Windows and Mac.

AtlasVPN Pros and Cons
Pros:
  • Advanced security features: AtlasVPN provides advanced security features such as military-grade encryption, secure protocols, and a no-logs policy to protect users' online privacy and security.
  • Fast and reliable connection: AtlasVPN offers a fast and reliable connection speed, which is essential for streaming, torrenting, or online gaming.
  • User-friendly interface: AtlasVPN has a user-friendly interface that is easy to use and navigate, making it accessible for beginners and advanced users.
Cons:
  • Limited server network: AtlasVPN has a smaller server network than other VPN providers, with servers in only 38 countries. This could be a drawback for users who need access to servers in more locations.
  • No live chat support: AtlasVPN does not offer live chat support, which could be an issue for users requiring immediate VPN connection assistance.
  • Inconsistent streaming performance: While AtlasVPN can unblock streaming services like Netflix, some users have reported inconsistent streaming performance, which could be problematic for users relying on a VPN for streaming content.

More information: AtlasVPN New Zealand

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4. ExpressVPN Review

Pricing: From USD$8.32/month (1-year plan) - 30-Day Money-Back Guarantee
 
Available on: Windows, macOS, Linux, Android, iOS, AndroidTV, Samsung Smart Tv, Sony Smart Tv, Apple TV, Fire Stick, Chromecast, Roku, Chrome, Firefox, and routers

Overview: 
Another top-tier contender in the VPN arena is ExpressVPN. With over 3000 servers worldwide, you certainly have a lot of locations to choose from. Unfortunately, ExpressVPN only counts with one server in New Zealand. However, if latency is an issue, you will be happy to know they count with five servers in Australia. Similar to NordVPN, the specialists of ExpressVPN are constantly monitoring popular streaming services such as Netflix and Spotify in order to guarantee their service can effectively “bypass” their geoblocking restrictions. All in all, you can’t go wrong choosing ExpressVPN, they count with world-class customer service along with one of the most secure services in its class.
 
ExpressVPN highlights at a glance:
  • Counts with a network consisting of 3000+ servers distributed in 94 countries
  • 1 server in New Zealand
  • Supports up to 5 simultaneous connections on multiple devices
  • Does it count with unlimited bandwidth? Yes
  • Can it unblock Netflix? Yes
  • Can it unblock Spotify? Yes
  • Does it support torrenting? Yes
  • Native Support: Windows, macOS, Linux, Android, iOS, AndroidTV, Samsung Smart Tv, Sony Smart Tv, Apple TV, Fire Stick, Chromecast, Roku, Chrome, Firefox, and routers
 
ExpressVPN security and privacy
  • Where is based? The British Virgin Islands
  • Logs my traffic? No
  • Logs my DNS requests? No
  • Logs my IP address? No
  • Logs my timestamp? Yes
  • Logs my bandwidth? Yes
  • Accepts Bitcoin? Yes
  • Kill Switch? Only on Windows, macOS, Linux, Android, and routers, details here
 
ExpressVPN Pros and Cons:
Pros:
  • Torrent support on all servers
  • Fast and reliable
  • Native support for virtually any device that can connect to the Internet
Cons:
  • The VPN logs some of your information
  • Only one server is available in New Zealand
  • Higher monthly cost than most​

More information: ExpressVPN New Zealand

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5. Hotspot Shield Review

Pricing: From USD$7.99/month (1-year plan) - 45-Day Money-Back Guarantee
 
Available on: Windows, macOS, Android, iOS, Chrome

Overview:
If you have been researching VPN options in New Zealand then most probably you already heard about HotspotShield VPN. With a network consisting of 80 countries and over 3000 servers, you have plenty of options to choose from. One of the differentiating points of Hotspot Shield has to do with its speed. Thanks to their proprietary Catapult Hydra protocol, Hotspot shield claim itself to be the fastest VPN provider regardless of your location. While that sounds enough to become the best provider, it does log timestamps, bandwidth, and even the IP address. Moreover, Hotspot Shield does not offer a native Firefox extension nor accept Bitcoin as a payment method. Despite these disadvantages, if you only concern is raw speed, then Hotspot Shield is among the best VPN providers you can find in New Zealand.
 
Hotspot Shield highlights at a glance
  • Counts with a network consisting of 3200+ servers distributed in 80 countries
  • Counts with an unknown number of servers in New Zealand  (we assume is only one)
  • Supports up to 5 simultaneous connections on multiple devices
  • Does it count with unlimited bandwidth? Yes
  • Can it unblock Netflix? Yes
  • Can it unblock Spotify? Yes
  • Does it support torrenting? Yes
  • Native Support: Windows, macOS, Android, iOS, Chrome
 
Hotspot Shield security and privacy:
  • Where is based? The United States
  • Logs my traffic? No
  • Logs my DNS requests? Yes
  • Logs my IP address? Yes
  • Logs my timestamp? Yes
  • Logs my bandwidth? Yes
  • Accepts Bitcoin? No
  • Kill Switch? Only on Windows, details here
 
Hotspot Shield VPN Pros and Cons:
Pros:
  • ​Ultra-fast speeds
  • Very easy to use
  • Torrent support on all servers
Cons:
  • Logging policies
  • Offers limited native support​

​More information: Hotspot Shield New Zealand

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6. IPVanish VPN Review

Pricing: From USD$3.99/month (1-year plan) - 30-Day Money-Back Guarantee
 
Available on: Windows, macOS, Linux, Android, iOS, Chrome, Fire TV, and routers

Overview:
Although IPVanish does not count with an impressive number of servers, it certainly has a lot to offer at an affordable price. Firstly, is the only VPN provider in our list that includes 250GB of free cloud storage on all its plans. That alone is a good reason to consider IPVanish as your provider. But there is more. It counts with 5 servers in Auckland to choose from. Add unlimited torrent bandwidth on all its servers and you have an excellent option for anyone who uses P2P sharing services continually. If all that is still not enough then you will be happy to know that IPVanish is the only VPN on our list that let you connect up to ten devices at the same time. All in all, IPVanish offers a good balance of features at a very good price.
 
IPVanish highlights at a glance 
  • Counts with a network consisting of 1400+ servers distributed in 75 countries
  • Counts with 5 servers in New Zealand (Auckland)
  • Supports up to 10 simultaneous connections on multiple devices
  • Does it count with unlimited bandwidth? Yes
  • Can it unblock Netflix? Yes
  • Can it unblock Spotify? Yes
  • Does it support torrenting? Yes
  • Native Support: Windows, macOS, Linux, Android, iOS, Chrome, Fire TV, and routers
 
IPVanish security and privacy: 
  • Where is based? The United States
  • Logs my traffic? No
  • Logs my DNS requests? No
  • Logs my IP address? No
  • Logs my timestamp? No
  • Logs my bandwidth? No
  • Accepts Bitcoin? No
  • Kill Switch? Only on Windows, macOS, and Android, details here
 
IPVanish VPN Pros and Cons:
Pros:
  • 250GB SugarSync® encrypted storage & backup included on all plans
  • Up to 10 devices can connect at once
  • Unlimited bandwidth for torrents on all servers
Cons:​
  • Limited New Zealand servers

More information: IPVanish

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7. TunnelBear VPN Review

Pricing: From USD$4.99/month (1-year plan) - 30-Day Money-Back Guarantee

Available on: Windows, macOS, Android, iOS, Chrome, Firefox, Opera

​​Overview:
TunnelBear is a relatively new actor in the VPN scene, mostly known because of its free plan. However, in recent years, the company has made huge efforts to earn users’ trust through its Transparency Reports. TunnelBear philosophy is straightforward: “ we strive to give users a clear understanding of how our service operates so they can make informed choices”. Given that VPNs are widely used to bypassing the censorship imposed in many countries, it’s good to see a company taking such an honest approach. Aside from its “transparency philosophy” advantage, TunnelBear offers one of the most affordable VPN services in New Zealand along with an elegant graphical interface and a handy app called RememBear Password Manager. Sadly, all these benefits are somehow overshadowed by TunnelBear inability to bypass streaming services such as Netflix. Nevertheless, if that is not a dealbreaker for you, TunnelBear can offer a good way to anonymously browse the web and download torrents.
 
TunnelBear highlights at a glance
  • Counts with a network consisting of 1800+ servers distributed in 23 countries
  • Counts with an unknown number of servers in New Zealand (we assume is only one)
  • Up to 5 simultaneous connections on multiple devices
  • Does it count with unlimited bandwidth? Yes (paid plan only)
  • Can it unblock Netflix? No
  • Can it unblock Spotify? Yes
  • Does it support torrenting? Yes
  • Native Support: Windows, macOS, Android, iOS, Chrome, Firefox, Opera
 
TunnelBear security and privacy:
  • Where is based? The United States
  • Logs my traffic? No
  • Logs my DNS requests? No
  • Logs my IP address? No
  • Logs my timestamp? No
  • Logs my bandwidth? Yes
  • Accepts Bitcoin? Yes
  • Kill Switch? Only on Windows, and macOS details here
 
TunnelBear VPN Pros and Cons
Pros:
  • Affordable 3-year plan
  • RememBear Password Manager app to keep your accounts secure
  • Publishes regular, independent security audits of its apps
Cons:
  • Logs bandwidth usage
  • Does not support Netflix

More information: TunnelBear

MoneyHub Founder Christopher Walsh shares his experience with VPNs and his preference for NordVPN:

NordVPN
Visit NordVPN
"I've been using NordVPN for years and believe it to be the best around. The pricing is affordable, with plans starting from just USD$3.49/month with a 30-day money-back guarantee. NordVPN has never let me down and is a service I rely on everyday for my work".

"What sets NordVPN apart, though, is its commitment to New Zealanders, which is rare in among VPN service. NordVPN has a dedicated server in Auckkand which means more bandwidth and happier clients, myself included. While not all servers offer torrent support, I believe it's the best VPN choice for anyone looking for an unbeatable presence in New Zealand".

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


Best VPN New Zealand

VPN Comparison: NordVPN vs ExpressVPN vs Hotspot Shield vs IPVanish vs TunnelBear

Choosing between the top VPN providers isn't easy - our comparison charts help you make the right choice.

Monthly Costs & Free Inclusions Comparison: NordVPN vs ExpressVPN vs Hotspot Shield vs IPVanish vs TunnelBear

Ongoing Costs
NordVPN
ExpressVPN
Hotspot Shield
IPVanish
TunnelBear
1-Year Plan
USD$6.99 per month
USD$8.32 per month
USD$7.99 per month
USD$6.49 per month
USD$4.99 per month
3-Year Plan
​USD$3.49 per month
-
-
-
USD$3.33 per month
Money-Back Guarantee
30 days
​30 days
45 days
30 days
30 days
Free Inclusions
-
-
-
​250GB SugarSync® encrypted storage & backup included on all plans
​3-year Remembear Password Manager

Highlights and Features Comparison: NordVPN vs ExpressVPN vs Hotspot Shield vs IPVanish vs TunnelBear

Ongoing Costs
NordVPN
ExpressVPN
Hotspot Shield
IPVanish
TunnelBear
Servers
5,400+
3,000+
3,200+
1,400+
​1,800+
Countries
59
94
80
75
23
NZ based servers?
30
1
Unknown
5
Unknown
Simultaneous connections?
6
5
5
10
5
Bandwidth
Unlimited
Unlimited
​Unlimited
Unlimited
Unlimited
Unblocks Netflix?
Yes
Yes
Yes
Yes
No
Unblocks Spotify?
Yes
​Yes
Yes
Yes
Yes
Torrent Support?
Selected Servers
Yes
​Yes
Yes
Yes
Native support
​Windows, macOS, Linux, Android, iOS, AndroidTV, Chrome, Firefox, and routers
Windows, macOS, Linux, Android, iOS, AndroidTV, Samsung Smart Tv, Sony Smart Tv, Apple TV, Fire Stick, Chromecast, Roku, Chrome, Firefox, and routers
Windows, macOS, Android, iOS, Chrome
​Windows, macOS, Linux, Android, iOS, Chrome, Fire TV, and routers
​Windows, macOS, Android, iOS, Chrome, Firefox, Opera

Privacy Highlights Comparison: NordVPN vs ExpressVPN vs Hotspot Shield vs IPVanish vs TunnelBear

Ongoing Costs
NordVPN
ExpressVPN
Hotspot Shield
IPVanish
TunnelBear
Headquarters
USD$6.99 per month
USD$8.32 per month
USD$7.99 per month
USD$6.49 per month
USD$4.99 per month
Logs Traffic
​No
​No
No
No
No
Logs DNS requests
No
No
Yes
No
No
Logs IP address
No
No
Yes
No
No
Logs Timestamps
No
Yes
Yes
No
No
Logs Bandwidth
No
Yes
Yes
No
Yes
Accept Bitcoin
Yes
Yes
No
No
Yes
Kill Switch
​Windows, macOS, Linux, Android 7+, and iOS
Windows, macOS, Linux, Android, and routers
Windows
​Windows, macOS, and Android
Windows and macOS

VPNs NZ Frequently Asked Questions

Frequently Asked Questions

Do I need a VPN?

There are several reasons why you might want to use a VPN, including:
  • To protect your online privacy and keep your personal information and online activity safe from prying eyes.
  • To access content that might be restricted in New Zealand (or wherever you are), such as websites, streaming services, and social media platforms.
  • To secure your internet connection on public Wi-Fi networks, which can be vulnerable to hacking and cyber threats.
  • To bypass internet censorship and access the web freely, even in countries with strict internet regulations.

How do I choose the right VPN service?

When choosing a VPN service, you'll want to consider several factors, including:
  • The security and privacy features offered by the VPN, such as encryption standards and no-log policies.
  • The number of servers and server locations offered by the VPN.
  • The compatibility of the VPN with different devices and operating systems.
  • The speed and reliability of the VPN connection.
  • The cost of the VPN service and the availability of a free trial or money-back guarantee.

As a background, our list of trusted VPNs above offer a range of services and are compared in detail in the tables.

Is it legal in New Zealand to use a VPN?

Yes - there is no law against using VPNs, and media reports suggest many New Zealanders have ongoing subscriptions.

Can a VPN slow down my internet speed?

Yes, a VPN can slow down your internet speed, as the data has to travel through an additional server before reaching its destination. However, the extent of the speed reduction will depend on several factors, such as the quality and speed of the VPN server you are connected to, the distance between the server and your device, and the encryption standards used by the VPN. With most of New Zealand now using 4G, 5G and fibre (or Fibe-ready), there's little risk of noticably slower connection using a VPN.

Will a VPN protect my online payments and financial transactions?

Yes and no - a VPN can provide a high level of security for your online activities but it can't protect you from scams or fraud. Always be cautious when providing personal or financial information online.

Can I use a VPN on all my devices?

Yes, many VPN services offer apps and software for multiple devices, including desktops, laptops, smartphones, and tablets. Some VPNs even have router-compatible versions, so you can protect your connected devices with a single VPN subscription. It is important to check the compatibility of the VPN with your devices before purchasing a subscription, even if a free warranty is offered. 

Can I use a VPN to watch geo-restricted content, such as Netflix or Disney+

Yes, a VPN can help you access geo-restricted content, such as Netflix or Disney+, by allowing you to connect to a server in a different region. However, it's important to note that streaming services are taking more action to block VPN connections, so it may not always be possible to access restricted content. Therefore, choosing a VPN service with a good reputation for unblocking popular streaming services is important.

Do I need to pay for a VPN service, or are there free options available?

While there are free VPN services available, it's important to be cautious about using them. Free VPNs may not offer the same level of security and privacy as paid services, and some may even collect and sell your data. On the other hand, paid VPN services generally offer more robust security features, faster speeds, and better customer support.

Can I use a VPN to protect my privacy on social media?

Yes, using a VPN can help protect your privacy on social media by encrypting your internet connection and hiding your IP address. However, social media companies may still collect and use your data, so it's important to be cautious about the information you share online.

What is a kill switch, and why is it important?

A kill switch is a feature offered by some VPN services that will automatically cut off your internet connection if the VPN connection is lost. This helps to protect your privacy and security by preventing your data from being transmitted over an unencrypted connection. A kill switch is important because it protects against data leaks, which can occur if the VPN connection is disrupted.

How do I know if a VPN service is trustworthy?

To determine if a VPN service is trustworthy, you can consider factors such as the company's privacy policy, encryption standards, and location (some countries have stronger privacy laws than others). It's also helpful to read reviews from other users and to check if the VPN service has undergone independent security audits. Generally, a VPN service with a strong reputation uses top-of-the-line encryption standards, and a clear and transparent privacy policy, is more likely to be trustworthy.

MoneyHub Founder Christopher Walsh shares his experience with VPNs and his preference for NordVPN:

NordVPN
Visit NordVPN
"I've been using NordVPN for years and believe it to be the best around. The pricing is affordable, with plans starting from just USD$3.49/month with a 30-day money-back guarantee. NordVPN has never let me down and is a service I rely on everyday for my work".

"What sets NordVPN apart, though, is its commitment to New Zealanders, which is rare in among VPN service. NordVPN has a dedicated server in Auckkand which means more bandwidth and happier clients, myself included. While not all servers offer torrent support, I believe it's the best VPN choice for anyone looking for an unbeatable presence in New Zealand".

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


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