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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CarJam vs MotorWeb Vehicle Reports - The Definitive New Zealand Comparison

We compare the paid vehicle reports of CarJam and MotorWeb side by side to reveal which services offers the best value for money.
CarJam vs MotorWeb Reports
Updated 3 August 2024
Summary:
  • The risks of buying a car have never been greater - MotorWeb states on their website that "one in three vehicles we check will have a complication or inconsistency" which can relate to debt owing, inconsistent odometer readings and/or theft. CarJam states that "every year 23,000 vehicles are stolen and 55,000 vehicles are sold illegally".
  • With such risks in the car market, thousands of New Zealanders visit car report websites CarJam or MotorWeb every day to buy a vehicle report.
  • However, while the go-to service is usually CarJam, our comparison looks at the reports offered from both CarJam and MotorWeb to understand the difference between both services. We only focus on vehicle reports, not any of the other services offered by CarJam.
  • Our research included line-by-line comparison of paid reports for a Peugeot 308, generated in August 2023 - click to download the CarJam and MotorWeb versions. 
  • If you're looking for free information, you can enter in the licence plate to both CarJam and MotorWeb. However, while CarJam is comprehensive, MotorWeb is very limited and only displays the vehicle make, year, engine size and standard specs.

Our guide covers:
  • Comparing CarJam and MotorWeb's Vehicle Reports Side-by-Side
  • CarJam - Free vs Paid Reports
  • Frequently Asked Questions
  • Our Conclusion

Why do New Zealanders use sites like CarJam and MotorWeb, and what risks do these reports cover?

New Zealanders visit sites like CarJam and MotorWeb to get crucial information before making car purchases. The services offered by these sites assist in various ways:
  1. Avoids Being Ripped Off: These platforms confirm if a vehicle up for sale is genuine and verifiable.
  2. Checks for Money Owed: On average, more than 800,000 New Zealand cars have money owed at any given time. Unwitting buyers could find themselves with a repossessed vehicle if sellers abscond with the sales proceeds without clearing the debt.
  3. Checks if the Car is Stolen: Users can ascertain if a vehicle is stolen. Remember, purchasing a stolen car means you don't truly own it.
  4. Check for Odometer Fraud: The sites indicate if a car's odometer might have been meddled with, pointing towards potentially unreported wear and tear.
  5. Reduces the risk of Paying Over Value: Without a vehicle history check, buyers could pay more than the market value for a car. These sites provide estimates based on sales of similar vehicles.
  6. Flags any Damaged Vehicles: They notify users if vehicles may have been imported after sustaining damages, indicating potential future repair costs or compromised safety.
  7. Guarantees: As an assurance of their services' reliability, MotorWeb offers a guarantee of up to $100,000 if a vehicle bought using their information is subsequently repossessed. CarJam offers a guarantee of up to $250,000.

Our View: Acquiring a vehicle with an outstanding debt is like a tenant selling their landlord's property. This underlines the significance of tools like MotorWeb and CarJam for potential car buyers in New Zealand, ensuring they make informed and safe purchasing decisions.

How Reliable is the data CarJam and MotorWeb use for their reports?
  • The data in CarJam reports is sourced from NZTA, NZ Police, NZCO, NZ PPSR, AU PPSR and other New Zealand, Japanese, USA proprietary sources.
  • The data in MotorWeb reports is sourced from third parties (including NZTA, MoJ and MBIE.
Visit CarJam

CarJam vs MotorWeb Paid Reports

Comparing CarJam and MotorWeb's Vehicle Reports Side-by-Side

Using the sample CarJam and MotorWeb reports, we compare ten key criteria covered by each report:

1. Basic Vehicle Information
  • Both reports provide basic details such as Year, Make, Model, VIN, Engine number, etc

2. Visual Representation
  • CarJam: Offers a photo of a similar vehicle
  • MotorWeb: Provides a photo of a similar vehicle

3. Stolen Status
  • CarJam Clearly mentions if the vehicle is stolen
  • MotorWeb: Indicates if the vehicle has not been reported stolen

4. Ownership History
  • CarJam: Provides an in-depth ownership record, including ownership periods and details of the owners (when not protected by privacy law)
  • MotorWeb: Lists the number of owners and periods of ownership but doesn't provide as detailed information as CarJam

5. Odometer Reading and History
  • CarJam: Offers a detailed odometer history, average car usage, recent fuel cost, and usage level
  • MotorWeb: Lists odometer readings from previous inspections but lacks the average usage and fuel cost insights provided by CarJam

5. Market Valuation
  • CarJam: Provides valuation for various submodels at an additional fee (around $5)
  • MotorWeb Does not provide explicit market valuation information

6. Fuel Economy and Emissions
  • Both reports provide details on fuel economy, CO₂ emissions, and yearly fuel cost

7. Safety Features
  • CarJam: Offers a detailed list of crash avoidance and crash protection features
  • MotorWeb: Doesn't provide an explicit list of safety features

8. Vehicle Reviews
  • CarJam: Provides access to a Dog & Lemon review (for an extra charge)
  • MotorWeb: No mention of vehicle reviews

9. Running Costs
  • CarJam: Provides a detailed breakdown of running costs, including fuel, servicing, tyres, and engine oil
  • MotorWeb: Offers only the annual fuel cost

10. Registration and Licence Information
  • Both reports provide details on registration, license type, expiration, and other related information

Which Vehicle Information Reports(VIR) is the best to buy?

Both reports offer comprehensive details about the vehicle, but there are differences in the depth and presentation of information:
  • CarJam: Offers more in-depth insights, particularly regarding ownership history, odometer readings, market valuation, safety features, vehicle reviews, and running costs. It is geared towards anyone who want a deeper understanding of the vehicle's history and potential costs.
  • MotorWeb: Provides a more concise report, which may be better for anyone who wants a quick overview without detailed insights.

Costs: CarJam's standard reports costs $14.75 while MotorWeb's report costs $14.05.

Given the costs for both reports are nearly identical, we argue that there's far more value out in the CarJam report due to its depth and comprehensiveness. It provides a deep dive into the vehicle's history and potential costs, and is much more comprehensive than that offered by MotorWeb.

Further Considerations for Purchasing CarJam or MotorWeb Reports:

  1. Vehicle Import History: Both reports show if the vehicle was imported and its origin. Knowing the import status can alert you to potential rust issues or differing vehicle standards.
  2. WoF History: Both reports provide historical WOF data, but specific reasons for failures aren't detailed.
  3. VIN Verification: Both reports confirm the vehicle's VIN and its legitimacy, ensuring you're viewing the right vehicle.
  4. Vehicle Specifications: Both reports detail the vehicle's make, model, engine size, fuel type, and more to confirm what's being advertised and assist in determining its value.
  5. Environmental Details: Only CarJam provides data on the car's emissions and fuel efficiency, which is valuable for eco-friendly buyers or those assessing fuel costs.
  6. Report Validity: Both reports capture the vehicle's status at specific moment in time. For data like debts or stolen status, which can change, it's best to act quickly on the information and not rely on old reports.
Visit CarJam

CarJam Free vs Paid Explained

CarJam - Free vs Paid Reports

As outlined above, MotorWeb offers next to no detail for free about a car. In contrast, CarJam offers a lot of information free - you can see how this looks by entering a licence plate. We've summarised what's displayed for free, and what the paid reporrt offers:

Free Report Inclusions:
  1. Basic Vehicle Information:
    • Year, Make, Model
    • Colour, Submodel, Body Style
    • VIN, Plate, Engine No.
    • CC rating, Fuel Type
    • Description of the vehicle type (e.g., Grey Hatchback)
    • Country of Origin, Assembly Type
    • Gross Vehicle Mass, Axle Type, Wheelbase
  2. Stolen Status: Information on whether the car has been reported stolen.
  3. Vehicle Type and Specifications:
    • Vehicle Type (e.g., Passenger Car/Van)
    • Number of Seats, Doors
    • Power, Transmission
    • Assembly Information (e.g., Imported Built-Up)
    • Country of Origin
    • Physical details like Gross Vehicle Mass, Axle Type, Axles, and Wheelbase.
  4. Damage and Write-off Checks:
    • Water/Fire Damage status
    • Statutory Write-off status
  5. Vehicle Fitness Information:
    • Whether the vehicle is subject to a WOF or COF
  6. Registration and License Information:
    • Original registration details, including plate type, origin, use, cause of latest registration, and first registration date in NZ.
  7. Odometer:
    • Recent usage statistics (e.g., 21 Km/day)
    • Odometer history, including historical readings from past WOF Inspections.
  8. Ownership History:
    • Number of owners the vehicle has had in New Zealand.
  9. Market Valuation (partial):
    • Model and submodel specifics, but the exact valuation amount is not provided for free.
  10. Fuel Economy: Mention that there is no fuel economy data available for the vehicle.
  11. Vehicle Safety: Information that the safety rating is based on the 2022 UCSR rating for models from 1999-2007, but specific rating details are not provided.
  12. Carbon Dioxide Emissions: A mention that the car is already registered in New Zealand and is not eligible for a Clean Car fee or rebate.
  13. Clean Vehicle: Status on eligibility for rebates or fees.
  14. Running Costs: A breakdown of estimated running costs, including fuel, servicing, tyres, and engine oil costs.

Our View: CarJam's free report provides a substantial amount of information about the vehicle, and for many, it might be enough for preliminary checks. However, if you're serious about purchasing the vehicle or want more in-depth information, especially related to potential hidden issues, purchasing the full report is proven way to limit any risks.

Paid Report Inclusions:
  1. Last Odometer Reading: The most recent reading of the vehicle's odometer and a measure of how trustworthy the odometer reading is. There's also more detailed records of the vehicle's odometer readings after 2013.
  2. Imported with Damage: Information on whether the car was imported with any damages.
  3. Last Inspection: When the last inspection of the vehicle took place, and the outcome or result of that inspection.
  4. WOF Expiry: When the current Warrant of Fitness (WOF) will expire.
  5. Licence Type, Expiry, Issued On, and Continuous Licence: Details related to the vehicle's licensing.
  6. Plates History & Current Plate: History of plates associated with the vehicle and the current one.
  7. Registration Status & NZ Last Registration: The current status of the vehicle's registration and when it was last registered in New Zealand.
  8. Ownership History: Detailed history of the vehicle's ownership, including names and address details (subject to privacy laws).
  9. Market Valuation: The current market value of the particular model.
  10. Fuel Economy: Data about how fuel-efficient the vehicle is.
  11. Vehicle Safety: Safety rating for the car based on the 2022 UCSR rating.
  12. Carbon Dioxide Emissions: Information on the CO2 emissions of the vehicle.
Visit CarJam

CarJam vs MotorWeb Car Report Comparison Frequently Asked Questions NZ

Frequently Asked Questions

Why should I purchase a vehicle report from CarJam or MotorWeb?

The reports provide comprehensive details about a vehicle's history. This can include past owners, any outstanding debts, accident history, stolen status, and other essential information that can influence a purchase decision.

How reliable are the information sources for these reports?

Both CarJam and MotorWeb access official New Zealand databases; the NZ Transport Agency's register. They are both reputable services known for providing accurate and up-to-date information, and trade on their reputation of accuracy and completeness.

I'm buying a car privately; should I still get a report?

Yes - when buying privately, it's even more critical to be assured of the vehicle's history, as there might not be any warranties or guarantees as you might find with a dealer.

What do I do if the report shows money owing on the vehicle?

If there's money owing, it indicates the vehicle might be used as security against a loan. It's crucial to ensure that the debt is settled before you purchase; otherwise, you risk the finance company potentially repossessing the car.

How up to date is the data in these reports?

The data is typically very current, with many of the databases being updated regularly. However, there might be a slight delay in some data, such as recent accident reports.

Does the report cover accident history?

Yes, these reports often include accident history if it has been officially recorded. However, minor accidents or those not reported to insurance might not be included.

Are stolen vehicles listed in the report?

Yes, if a vehicle has been reported as stolen, it will appear in the report, ensuring you don't inadvertently purchase a stolen vehicle.

Can I trust the odometer reading provided in the report?

While these reports provide recorded odometer readings at different times in the vehicle's history, potential buyers should still be cautious. Discrepancies in readings could indicate odometer tampering.

What if I have issues or disagreements with the information in the report?

Both CarJam and MotorWeb have customer support services. If there's an issue or if you believe there's an error in the report, it's advisable to contact them directly for clarification or correction.

CarJam vs MotorWeb Car Report Comparison Conclusion

Our Conclusion

  • New Zealanders commonly gravitate towards CarJam and MotorWeb, although our research suggests CarJam gets significantly more requests for vehicle data.
  • From our rigorous line-by-line comparison of the two reports, CarJam is far more comprehensive for the free and paid reports.
  • MotorWeb's concise paid report might appeal to those who prefer brevity, but CarJam's detail-oriented approach provides a deeper dive, arguably invaluable for serious buyers.
  • With both reports hovering just under $15, CarJam offers significantly more, given its depth of information.
  • CarJam's free report is commendably detailed. It's a comprehensive overview of a car's history, from basic vehicle stats and stolen status to even running cost breakdowns. MotorWeb's free offering, however, is noticeably sparse in comparison.
  • The New Zealand car market has many issues, and the risk of being burned has never been higher. Given transparency is key, CarJam emerges as the frontrunner. Its detailed reports, especially the free version, paired with a comparable price point for those wanting the complete details, make it a clear winner. However, MotorWeb, with its concise reports, may appeal to a certain niche.
  • If depth, value for money, and comprehensive insights matter, CarJam is the best vehicle information service in the market.
Visit CarJam

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