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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Booster Savvy Review - The Definitive Guide to an Innovative Interest-Earning Cash Account

Our review of Savvy looks at the rate of return, features, benefits, what to be aware of, how it differs from a typical bank account, frequently asked questions and must-know facts.
Booster Savvy Review
Updated 21 April 2025
Summary
  • Savvy, offered by investment manager Booster, blends the day-to-day features of a debit card account with a meaningful return. Where most banks don't pay interest on everyday transaction accounts, Savvy arguably offers a generously high-paying rate of return.
  • Not a bank: Booster is not a bank, and the money you put into Savvy is invested in the Booster Savvy Fund (a cash-based managed fund). The debit card, known as the Booster Savvy Card, is linked to your funds, , in the Booster Savvy Fund.
  • What you'll earn: Booster offers a set return of 3.50% p.a. which is reviewed monthly. Booster calculates the interest you earned daily (based on your balance) at 8pm and credits this monthly to your account.
  • Bonus return: There is a bonus return, a quarterly distribution given when there's surplus income after deducting the set return, Savvy Fund's expenses and Booster's capped fee. This bonus return is in addition to the set return (currently 3.50​% p.a.) but isn't guaranteed, and we don't have an estimate of how much it could be.
  • App-based investments: Savvy focuses on digital, meaning you'll need the app, available on the App Store and Google Play.
  • No Minimum Investment: There's no minimum initial investment, and Savvy cardholders will earn interest on every cent.
  • Withdrawals: Funds can be withdrawn 24/7 via the debit card and app. You can use the card on the Mastercard network, Eftpos, and at New Zealand ATMs.

To help explain Savvy, our review covers:
  • Features of Savvy Explained
  • Understanding Fixed vs Floating Cash Fund Returns
  • Savvy vs an on-Call or Everyday Bank Account - Understanding the Differences
  • How Does Booster Make Money From Savvy?
  • Security and Customer Service - What You Need to Know
  • Who is Savvy Suitable For?
  • Frequently Asked Questions
  • Our Conclusion

Know This First:
  • Finding a tool that combines the accessibility of a daily interest-paying account with the benefits of promoting easy-to-achieve savings is a New Zealand first.
  • Savvy is an innovative financial platform that promises a lot of features and a high cash return. Our review delves deep into the workings of Savvy, highlighting its key features, how it compares to traditional bank accounts, and the potential benefits it offers to different types of users.
  • ​Our review is published to explain what's important, but as this is a newly launched product, please email our research team if you have a question about Savvy that we haven't covered.
  • ​Important: Financial markets are volatile - the current return is 3.50​% p.a. but can change anytime.
  • Our dedicated Booster Savvy Analytics Review​ explains the features of Booster Savvy's app and how they help users to get insights into their spending and shape habits.​​​

Booster Savvy and Awards:
  • Beyond our Editor's Choice awards which place Booster Savvy in a class of its own, Booster Savvy debit card was awarded Highly Commended in the ‘Best User/Customer Experience Initiative for Consumers’ category at the prestigious 2024 Fintech Futures Banking Tech Awards in London. This recognition highlights Booster Savvy’s innovation as a New Zealand product competing alongside global financial giants like J.P. Morgan and Morgan Stanley. 
  • The Booster Savvy debit card was also a finalist in the ‘Best Use of Tech in Private Banking/Wealth Management’ category at the 2024 Fintech Futures Banking Tech Awards, further showcasing its innovative approach to integrating investment and everyday banking. We believe that this achievement underscores Booster Savvy’s impact in bringing cutting-edge financial solutions to New Zealand's market. 

Important: Booster Savvy App Reviews
You might notice Booster Savvy’s app (Booster NZ) has a modest rating in the app store and Google store, but there is important context - some negative reviews stem from confusion with the Booster NZ app and mybudgetpal, a separate budgeting tool distributed by Booster. To clarify:
  • Savvy is a distinct product — a debit card linked to an investment account and a smart app providing payments, savings tools and powerful analytics.
  • The Savvy app is accessible via the BoosterNZ app, which also enables users to manage their KiwiSaver account and other direct investments if they have them with Booster.
  • We do not think that many of the reviews posted are related to Savvy. These reviews may skew perceptions of Savvy’s app despite Savvy not being mentioned at all.  

Our View: The Savvy app is fit for purpose — managing money and earning returns and the review noise doesn’t fully reflect its performance.

Answering a Common Question: "Is the 0.60% p.a. fee charged annually on the end-of-year balance in your account, or split into a monthly charge, or is it a fixed monthly or yearly charge (e.g. does it go up or down with the balance)?"

Savvy account holders won't see the 0.60% fee in their transaction list. Booster takes a small fee for managing your money in the Savvy fund – but not from your balance (so you won't see it in your account transactions. Instead, the fee comes from the returns on investments in the fund and is capped at 0.60%. This fee is taken after covering the costs of running the fund and after your 3.50​% p.a. set return is paid.
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Booster Savvy Features

Features of Savvy Explained

Savvy is packed with features, which we explain below in detail:
  1. Fixed Interest Rate: Despite the underlying investments being a fund, Booster offers a set return rate of 3.50​% p.a. plus the possibility of bonus interest (when available, please see below) to every customer. This return can change at any time as is reviewed monthly.
  2. Stacks - Personalised Accounts for Different Needs: Savvy doesn't lump your money into a single generic account (unless you want to have an all-in-one account). It offers "Stacks," which act as individual accounts tailored for specific purposes. For instance, you can keep your rent money separate from your entertainment or travel money. This approach promotes financial organisation and ensures funds for specific expenses aren't accidentally spent elsewhere.
  3. Boost - Automatic Spare Change Savings: The "Boost" feature works by rounding up your purchases if you enable it. Savvy rounds up the transaction whenever you buy something to the nearest 50c, $1, or $5 (based on your preference), depositing the extra change into a designated Stack. This is a painless way to save without even realising it, accumulating savings over time from routine transactions.
  4. Sweep - Optimise Leftover Pay: At the end of each payday, Savvy evaluates your balance. If there's unspent money, the "Sweep" function can automatically transfer it to a chosen Stack. This helps ensure any leftover money from your salary isn't wasted and contributes to your savings objectives.
  5. Salary Split - Pre-arranged Money Allocation: The "Salary Split" feature automatically lets you distribute your incoming salary among different Stacks. This is an excellent tool for those who want to budget their income precisely, ensuring that each expense category gets its designated amount right when the salary arrives.
  6. Forecast - Intelligent Spending Overview: The idea of the "Forecast" feature is to help you stay ahead of your bills and subscriptions. Savvy analyses your spending patterns, learns to predict upcoming expenses, and provide insights into your available balance. This foresight helps you manage funds effectively, preventing unexpected shortages.​
  7. Tracking + Insights - Guided Financial Progress: Savvy offers a dynamic tracking system that monitors your progress towards savings goals. Not only can you see how close you are to reaching your objectives, but Savvy also provides personalised insights and reminders to keep you on the right financial track.
  8. Cashflow - Comprehensive Spending Snapshot: Transparency is essential in financial management. Savvy's "Cashflow" feature gives you a clear view of your spending across daily, weekly, and monthly periods. By understanding where your money goes, you can make informed decisions about budget adjustments.
  9. Accidental Death Cover - Hassle-free Safety Net: Savvy users receive a $2,000 insurance cover for accidental death, with no paperwork involved. You're automatically covered when you join Savvy, providing security for unforeseen situations. You can read the policy in detail here in the PDF outline.

What is the deal with 'Bonus Interest'? How much will it be? 
We asked Booster to explain this - their response is below:
  • Bonus returns will be possible once all related costs to running the proposition are covered along with the manager's fee.
  • For example, all Investment Returns and Income related to card transactions are offset against the set return and certain fees associated with providing access to the payment networks.
  • Should this be a surplus amount after the manager's fee is paid, this will be paid out to members in bonus interest relative to their balance.
  • Booster disclaims that it will take some time to reach this point, and as such, Bonus Interest is not a core benefit of Savvy.​
  • Any bonus return paid by Savvy is not separately disclosed in fund updates. Instead, it is included within the overall fund return. Based on our discussions with Booster, they do not expect to pay any bonus return until the fund reaches a sufficient scale, and there is no set timeframe for when this might happen. We believe any potential bonus return is unlikely to be significant or a material benefit, and Savvy offers significant benefits and features beyond any bonus interest payments.  
Visit Savvy

Booster Savvy vs an on-Call or Everyday Bank Account

Savvy vs an on-Call or Everyday Bank Account - Understanding the Differences

Our summary helps explain the differences with what's important.
Legal Structure:
  • Savvy's underlying Fund operates as a Managed Investment Scheme with a licensed manager. While there is no credit rating as you'd find with a bank, the Financial Markets Authority regulates the Fund, as they do with KiwiSaver funds and other managed funds.
  • The Fund's investment assets are held separately from the Manager or Supervisor's assets. In practice, what that actually means is that if something happens to Booster, your funds are safe which is different to a bank where your deposits rely on their ongoing viability. 
  • Unlike bank deposits, the Fund won't be covered by future bank deposit guarantee schemes, which came into law in 2023 https://www.beehive.govt.nz/release/deposit-compensation-scheme-becomes-law
Supported by Money Management Tools:
  • Savvy's app offers tools and insights to improve money management; it's focused on maximising savings and interest payments and minimising spending and debt by ensuring you understand the money you earn and how it's spent. Some banks also offer similar tools, but Savvy is arguably far more advanced, given the boost and sweep features (among others) designed to increase your savings. 
Transferring Money:
  • Savvy's account number is recognised within the New Zealand payments system, meaning you can receive payments and pay into any New Zealand bank account. This operates similarly to typical bank accounts.
Spending and Withdrawing Money:
  • Savvy's debit card lets you make transfers, use Eftpos, withdraw from NZ ATMs, make online purchases and use Mastercard services wherever Mastercard is accepted worldwide.. However, Savvy customers can't visit a branch, set up direct debits, transfer to overseas banks, overdraw, or make direct overseas transfers, features which most banks offer. There are no joint accounts, nor can you have two cards linked to the same account.
  • This means that Savvy is most suitable for New Zealand-based and online transactions, which, for most people, will be the majority of their spending. 
  • Currently, Booster is developing the capability to add Direct Debit functionality to Savvy. Until this feature is available, users can utilise Automatic Payments (AP) and the 'card on file' method for transactions. While Direct Debits are ideal for fluctuating payments such as monthly power bills, many power companies also accept 'card on file' as a payment option. This means that any consistent, recurring payment can be managed through AP. Furthermore, all subscriptions and utility bills compatible with 'card on file' payments can be seamlessly integrated with Savvy.
Underlying Investments:
  • Savvy's Fund invests in cash deposits, New Zealand government and bank securities, with a repayment risk exposure. Booster manages the investments. In contrast, a typical account is a debt security to a bank.
  • Booster's Savvy Fund has a unit price held at $1, whereas bank deposits directly reflect cash value.
Returns:
  • The Fund aims to provide competitive returns (currently set at 3.50​% p.a.) with the potential for Bonus Returns. The tax rate on returns is capped at 28% since the Fund is a PIE (Portfolio Investment Entity). Our research into bank accounts and call accounts indicates lower interest rates and a tax rate as high as 39% on returns (unless you've chosen a PIE term deposit or PIE call account).
Fees:
  • Booster's earnings from the Savvy Fund are capped at 0.60%, with transaction fees applicable only to foreign transactions. The estimated return Booster advertises is always after the capped fee ​ (but before tax). 
  • Banks don't charge fees when you invest in call accounts or term deposits, but they make a margin. For example, they may pay you 4% p.a. on a call account and lend out your money to a homeowner for 7% p.a., making a 3% p.a. margin. Banks also charge for foreign transactions as outlined here.​

Want to know more? Booster has helpfully put together a full comparison between Savvy and typical bank accounts, which you can download here.

What about FX fees when using the card?

  • ​FX transaction fee: When you purchase overseas, e.g. USD, AUD, etc, it is changed into NZD at an exchange rate set by Mastercard. The FX transaction fee is 2% of the NZ dollar value of the purchase, which is the range of what banks typically charge.
  • ATM fees: There may be overseas ATM fees, but these will depend on what ATM you use; Booster isn't treated differently from any other card. 
Visit Savvy

Understanding Fixed vs Floating Cash Fund Returns NZ

Understanding Fixed vs Floating Cash Fund Returns

When comparing cash fund options like Booster Savvy to other cash funds, one key distinction is how returns are presented and determined: "fixed" versus "floating." We explain what you need to know to help you understand the difference:

Booster Savvy (Fixed Rate Approach): 
  • Booster Savvy offers an upfront return rate—currently 3.50​% (subject to periodic changes). This rate is clearly stated at the outset, giving you certainty about the return you'll earn until the rate is adjusted.
  • As a PIE (Portfolio Investment Entity) fund, it also provides tax advantages, especially for those in higher tax brackets. However, this rate isn't "locked" like a term deposit—it can change based on market conditions, such as shifts in the Official Cash Rate (OCR).
  • For example, Savvy's rate was 4.75% earlier in 2024 but has since adjusted downward as interest rates have fallen.

Other Cash Funds (Floating Rate Approach):
  • Many cash funds, like the Kernel Cash Plus Fund, don't advertise a specific rate upfront. Instead, their returns "float" based on market performance and are only known in retrospect—typically updated monthly or when you check your account.
  • For instance, the Kernel Plus Cash Fund reports its latest results on its website, which is stated after fees and tax (at a 28% PIR rate). 
  • Please be aware that these returns fluctuate daily with market conditions, making them less predictable upfront but reflective of broader trends; our guide to interest rate predictions explains more.

Important: Key Considerations and Balancing Certainty vs Flexibility
Savvy's upfront rate offers clarity at the time of investment, while floating-rate funds provide returns that adapt to market shifts - this means they'll be potentially higher or lower than Savvy's rate over time. Specifically:
  1. Market Trends: With the OCR and interest rates trending downward in 2025, both fixed and floating rates will likely reflect this decline, though floating funds may adjust more gradually. Our guide to interest rate predictions has more details.
  2. Fees and Tax: Savvy has no additional fees to deduct from its advertised interest rates, and it uses a PIE structure, while other funds may present their returns exclusive of fees and/or tax. Please compare 'apples with apples' regarding fees and returns.

Our View: Ultimately, the "better" option depends on your preference for predictability versus adaptability, as well as your investment timeline and tax circumstances. For short-term cash parking (e.g., a few months), Savvy may appeal if you value knowing the rate upfront, while a floating fund could suit those comfortable with market-driven returns. However, our observation of Savvy's interest rate history suggests it closely follows OCR movements, meaning any increase in OCR will likely see Booster adjust Savvy's interest rate upwards and vice versa.

​As with every guide on MoneyHub, this is general information only and not financial advice. Returns are subject to change, and past performance doesn't guarantee future results.​
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How Does Booster Make Money From Savvy?

How Does Booster Make Money From Savvy?

Booster offers many benefits and features that might make you wonder about hidden costs. However, rather than profiting from hidden fees or margins, Booster adopts a transparent approach with its fixed management fee of 0.60% p.a. And, instead of pocketing earnings from transactions as most banks do, Booster channels these profits back into the fund. 

For example - the Payment System Income:
  • The Savvy Fund will generate transaction-based income (from interchange fees) from contactless payments and international transaction fees when using the Savvy Debit card. This unique structure ensures that customers can potentially gain from their own transactions.
  • As an example, if a $100 purchase generates 20 cents of interchange fees (as estimated by Mastercard's guidance), the fund will earn 20 cents, which increases the overall return and helps grow the Bonus Return. Booster's earnings come solely from the management fee on the funds invested. 
  • Booster has to pay costs for accessing the payments network. Overall, surplus payment system income (after expenses) can be returned to Savvy customers via the Bonus Return.
  • Apart from the fees outlined above, ​Booster makes money from one source only - the Management fee. Booster charges a fee, capped at 0.60% to manage the fund. However, this fee is not deducted from the 3.50% p.a. set return, so the 3.50​% is what you'll earn (pre-tax).

Why is Booster offering Savvy? What's in it for them, and why is it so much better than a standard bank account?

We talked to Booster's team about this. Their response is as follows:
  • Booster has been helping people with long-term financial well-being for over 20 years through KiwiSaver and investments. 
  • Booster understands the challenges of managing the weekly household budget but that it is the key to helping people get ahead (and they created mybudgetpal as one tool to help).
  • Savvy allows Booster to help existing and new customers in the short term by enabling them to engage with their finances daily, improving their overall financial resilience - according to Booster, this is what they are all about as an organisation.
  • Booster claims to have the expertise and experience to provide New Zealanders with a new way to manage their finances. Savvy has been launched to give New Zealanders another option which can help them get more from their money.​ ​
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Security and Customer Service Booster Savvy NZ

Security and Customer Service - What You Need to Know

Given it's a new product and a first for Booster, we asked their team some questions about security and customer support. Their responses formulate the answers below:

Security and Protection
How safe is the app? Are there security measures in place, like two-factor authentication? What happens if there's fraud or a payment issue? Who do I contact?
  • Savvy is homed in Booster's app, which has long been in operation following the high-security standards required in the financial services industry. Users benefit from biometrics and two-factor authentication for web-based login.
  • Booster follows industry standard practices to monitor and proactively manage fraud risk. If customers experience any issues with their account, they can contact Booster's Wellington-based team directly.

Customer Service
Who supports the Savvy card? Can clients get real-time help if they have Savvy account issues?
  • Booster's Wellington-based support team is on hand to help customers with queries. Booster has been in business for 25+ years, is a default KiwiSaver provider, and has experience dealing with tens of thousands of customers for various needs. 

Booster Savvy Review NZ Suitable Customers Explained

Who is Savvy Suitable For?

We see Savvy as a leading innovation for New Zealand and the first of its kind. We like that it gives certainty with a set rate of return (despite the investment being in a fund, not a bank account). This set rate, coupled with numerous savings features, helps encourage savings and, arguably, lowers the risk of needing to take on personal debt by effectively allowing Savvy customers to manage their money. 

While we believe Savvy will attract a wide user base, our typical customer summary explains how it works and how it helps a range of people: 

Connor, the Uni Life-Handler:
Connor juggles university, a part-time job, and social life, all while keeping an eye on his money and budget. He uses Savvy for daily expenses, from buying textbooks to late-night pizza runs, and appreciates earning money on the set returns when almost all student bank accounts offer 0%. With the app, Connor can check stack balances and make payments in one place. 

Alex, the Safe-Bet Saver:
After graduation, Alex started her first job in Wellington and decided to put aside a good chunk of her first salary into something steady. Alex chose Savvy, attracted by its low-risk assets. While not using it for everyday purchases, Alex sleeps better knowing that if there's an unexpected expense or spontaneous road trip, they have 24/7 access to those funds with a debit card.

Josh, the Ambitious Entrepreneur:
In the throes of kickstarting his business, Josh values every dollar in his personal life. He relies on the Savvy to deliver set returns and enjoys that his money works harder for him. He can track his expenses and ensure he stays within his budget, leaving him more time to focus on his business growth.

Liz, the Urban Professional:
Navigating a fast-paced corporate job in the city, Liz appreciates the seamless nature of Savvy. For her, time is of the essence. Savvy lets her split her salary into different Stacks, ensuring she automatically sets aside money for rent, utilities, and some fun weekend getaways. The forecasting tool helps her avoid unwanted financial surprises, ensuring she's always prepped for that next brunch or city event.

Phillip, the Young Dad:
Recently married and planning for a family, Phillip is all about smart financial planning. Savvy is his app of choice to keep family finances in check. He loves the Tracking and Insights feature, helping him and his partner stay on target with their savings goals and helping create a nest egg for their baby son. The Accidental Death Cover also gives Phillip an extra layer of reassurance, knowing his loved ones have some financial support should the unthinkable happen.
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Booster Savvy Review NZ Frequently Asked Questions

Frequently Asked Questions

Is the 0.60% p.a. fee charged annually on the end-of-year balance in your account, or split into a monthly charge, or is it a fixed monthly or yearly charge (e.g. does it go up or down with the balance)?

Savvy account holders won't see the 0.60% fee in their transaction list. Booster takes a small fee for managing your money in the Savvy fund – but not from your balance (so you won't see it in your account transactions. Instead, the fee comes from the returns on investments in the fund and is capped at 0.60%. This fee is taken after covering the costs of running the fund and after your 3.50​% p.a. set return is paid.

What happens if Booster can't pay the Set Return

While Booster believes this risk is unlikely due to low-risk assets and their financial strength, there is still an inherent risk that they might not fund the top-up for the Set Return. 

Important: ​Whilst there is no guarantee, Booster, per its fund documents, has agreed to pay the Set Return and any Bonus Return to customers. 

How are returns calculated and distributed?

The Set Return is applied daily and credited monthly. The Bonus Return is calculated quarterly based on payment system income, investment returns, and associated expenses.

Important to Know: Bonus Returns – Any bonus return paid by Savvy is not separately disclosed in fund updates. Instead, it is included within the overall fund return. Based on our discussions with Booster, they do not expect to pay any bonus return until the fund reaches a sufficient scale, and there is no set timeframe for when this might happen. We believe any potential bonus return is unlikely to be significant or a material benefit, and Savvy offers significant benefits and features beyond any bonus interest payments.  ​

Can I withdraw my money whenever I want?

Yes, you have 24/7 access to your funds through a debit card or the app across various transaction methods.

How do taxes work with the returns I earn?

An amount is set aside for potential tax liabilities whenever you earn returns based on your Prescribed Investor Rate (PIR). As the underlying Booster Savvy Fund is a PIE fund, the highest tax charged is 28%. 

What if a merchant imposes a surcharge for transactions?

If a retailer or website has a debit card fee, this will be charged in addition to the cost of the goods or services you're buying. The merchant retains Such surcharges are not paid to Booster or any related party.

​To minimise the risk of this issue, Booster has made sure that the card is also an EFTPOS card. This means where a customer is confronted with the surcharge for paywave/credit label, they can insert the card and avoid the surcharge.

Is my money insured with Savvy?

Unlike traditional bank accounts, funds in Savvy are not insured per the 2023 legislation. They are cash-based investments and carry their own set of risks. It's crucial to read and understand these before investing.

More details:
  • Booster Savvy is not a bank account and Booster is not a bank. Savvy’s an investment account linked to a debit card for day-to-day spending and a smart app for payments and savings tools.
  • Booster Savvy provides features that have similarities and differences from a transactional account available through a bank. This comparison table highlights those features compared with a typical on-call transactional bank account and addresses why Savvy is not covered in the current legislation and how secure money held in Savvy is.
  • As an investment account (invested 100% in cash and cash equivalents), Savvy has a risk indicator of 2 which is at the lower end of the risk range.
  • Additional information regarding the risks of investing in Savvy can be found here in Section 4 – what are the risks of investing? - in the Product Disclosure Statement.

How secure is the Savvy app?

Savvy prioritises user security and implements advanced encryption technologies to protect users' data and funds. Regular updates are also made to enhance security features.

Are there any fees for ATM withdrawals or transactions?

No additional fees are imposed by Booster for ATM withdrawals or transactions within New Zealand. However, foreign transaction fees apply to overseas transactions.​​

Booster Savvy Review NZ Concluding Comments

Our Conclusion

  • ​Savvy reimagines the traditional banking experience by blending the perks of daily transaction accounts with the potential earnings of an investment. 
  • The numerous features and tools that promote smarter financial habits cater to many New Zealanders, and we're pleased to see Savvy launch in New Zealand. Unlike debit card apps like Dosh, which arguably encourage spending to get cashback, Savvy innovates to build wealth for its customers. 
  • Before signing up, understanding Savvy's workings, benefits, and potential risks is essential. Our review is published to explain what's important, but as this is a newly launched product, please email our research team if you have a question about Savvy that we haven't covered.
Visit Savvy

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      • Reviews
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        • Guides
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          • Decentralised Finance
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          • Other Coins
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  • Loans & Finance
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      • Car Finance Must-Knows Guides
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Students Insurance
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      • Health Insurance
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        • BMI Calculator New Zealand
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  • Credit Cards
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    • Reviews
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        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
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        • Qantas Credit Cards
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        • RewardPay Review
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  • Travel Money 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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    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • First Home Loan Guide
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      • Lifetime Home Review
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      • 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
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      • Mortgage Break Fees
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      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • Trusted Mortgage Brokers in Tauranga
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      • Trusted Mortgage Brokers in Wellington
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      • 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
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      • Buying an Apartment in New Zealand
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    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
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      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
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      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
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      • KiwiSaver Must-Know Facts
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    • KiwiSaver Contributions & Tax
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      • What's My PIR?
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      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
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    • KiwiSaver Schemes
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      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
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      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
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      • MAS KiwiSaver Scheme
        • MAS Review
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      • Pathfinder KiwiSaver Review
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      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
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    • Business Insurance
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    • Wise Business Account Review
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      • Business Brokers
    • PAYE & Taxes
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    • Business Calculators & Resources
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
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    • For Startups
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      • Expanding Offshore
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  • MSD
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    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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  • Motoring
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      • Turners Cars Review
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      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
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      • Gaspy App Review
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      • AA Membership Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Moving to Australia
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    • Air New Zealand Specific
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      • Air New Zealand Koru Membership Review
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    • Lounges, Upgrades, Car Hire & More
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      • Air New Zealand Skycouch Review
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      • 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
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Americas & Africa
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      • Europe
        • France Travel Insurance
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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      • State Travel Insurance Review
    • Essential Information
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      • 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
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    • Apple Watch Buying Guide
    • Spark Mobile Review
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    • One NZ Mobile Review
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    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
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      • Electric Kiwi Broadband Review
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      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband 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
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • How to Maximise Income in Retirement
      • 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
      • Retirement in a Nutshell
      • 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
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      • 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
      • 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
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