MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden 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
        • 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 Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • 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
      • 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
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite 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
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding 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
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • 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
        • 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
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • 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
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured 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
      • 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
    • Car Insurance
      • Guides
        • 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
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • 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
      • 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
    • 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
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas 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
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • 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
      • 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
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • 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
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • 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 in Christchurch
    • 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
    • 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
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • 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
      • 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
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM 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
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • 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
    • Business Calculators
      • 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
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • 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 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • 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
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • 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
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • 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
    • 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
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • 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
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • 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
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • 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
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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Mastercard Cash Passport vs Wise Debit Card - Which Travel Money Card is best for you?

We compare both Travel Money Cards, looking at fees, features, security and ease of use to help you save money when travelling.
Cash Passport vs Wise Debit Card Comparison
Updated 20 October 2023
Summary:
  • The Mastercard Cash Passport is widely offered by travel agents, some banks and online. However, our research below confirms the Mastercard Cash Passport offers poor value exchange rates and high fees compared to Wise's Debit Card.​ We also don't think the Cash Passport is a product Mastercard is actively marketing or intending to improve the fees and rates. For example, in our research, Mastercard list 'STA Travel' as a retailer who sells the Cash Passport despite the company being long bankrupt. We also saw a historical offline notice on a test website, and, when compared to Wise, lower-than-market exchange rates and high fees that don't appear to be decreasing despite being uncompetitive.
  • Savvy travellers are increasingly aware that Wise offers far better exchange rates than the Cash Passport. Wise's business model eliminates the fees associated with exchanging currencies, something we argue Cash Passport makes a lot of money from.
  • We believe Wise is far simpler to use, and unlike Cash Passport, you don't need to lock in the exchange rate when you top up the card (but if you want to, you still can). You have the freedom to keep your money in NZD and be charged whatever the FX rate when you make your purchases. This avoids the need to think about what the NZD will do, and unlike the Cash Passport, there's no 5.95% penalty for keeping your money in NZD and making a foreign currency transaction. We don't see a justification for this high Cash Passport fee alongside its poor value exchange rates.
  • When you're travelling, we believe flexibility, value for money and ease of use are what matter most.  Wise is 100% online and behind billions of dollars of daily transactions.
  • The Cash Passport, on the other hand, is smaller, can't offer the leading exchange rates Wise can, and, somewhat frustratingly, can close its app and website for hours at a time to do maintenance, as per this example. Coupled with bad exchange rates and a lengthy fee schedule, we believe the Cash Passport offers far less than Wise and costs a lot more.

To help you understand the differences between the cards, our review covers:
  • Three Must-Know Cash Passport vs Wise Facts - Fees, Rates and Other Key Differences
  • Cash Passport vs Wise Comparison Table
  • Cash Passport vs Wise - Pros and Cons
  • Alternatives to Travel Money Cards
  • Frequently Asked Questions

Advertising disclosure: We may receive payment if you sign up for a card via MoneyHub - please read our advertising policy for more details.

MoneyHub Founder Christopher Walsh shares his views on the Cash Passport and Wise:
"Mastercard's Cash Passport is sold widely in 10+ banks, travel agents and retailers. This arguably means you're paying someone else a commission to get the card, which may also be a reason behind the lousy exchange rates as compared to Wise.

"Unlike the Cash Passport, Wise cardholders don't need to worry about locking in an exchange rate to avoid a penalty 5.95% charge if they don't fund a 'wallet'. Wise is a global company offering the best exchange rates and an app that helps you have full control over your travel money at any time".

"I still expect people to order the Cash Passport - that's their decision but they will lose a lot of money as a result. As the video explains, any comparison you make will always show the Wise debit card giving you more forex for your NZD. This means everything you buy overseas will be cheaper".
MoneyHub Founder Christopher Walsh
MoneyHub Founder Christopher Walsh

Our Top-Rated Travel Money Card - The Wise Debit Card

We like the Wise Debit Card because it lets you:
  1. Get the best exchange rates out of any card on the market in New Zealand
  2. Spend abroad without hidden fees, and have an app that lets you track all your spending
  3. Convert and hold 54 currencies (and Wise uses the real exchange rate to convert, unlike the Cash Passport's far inferior rate).
  4. Go 'cardless' by connecting your Wise card to Google Pay
  5. Order the card with a low one-off $14 card issue fee

Our view:
  • The Wise Debit Card doesn't have any tricky fees, and it is years ahead of all the other traditional travel money cards, especially the Cash Passport.
  • You will convert at the best exchange rates and pay very low fees on each transaction. Best of all, it's easy to use and doesn't confuse you as traditional travel money cards can. It also gets rave reviews from our readers.
  • We don't have much time for the rest of the travel money cards available and the Cash Passport is not a "runner up" to the Wise card given its fees and rates.
Cash Passport vs Wise Debit Card Comparison
Visit Wise
Our Wise Debit Card Review

Cash Passport vs Wise Debit Card Comparison

Three Must-Know Cash Passport vs Wise Facts - Fees, Rates and Other Key Differences

Cash Passport vs Wise Debit Card Comparison

Both cards, Cash Passport and Wise, are Multi-currency prepaid cards

This means you can load several currencies onto either card, which is helpful if you visit multiple countries. So, for example, you could have AU$500, £1,000 and €1,000 stored on one card in different 'wallets'. Then, when you top the card up, you can lock in the exchange rate or leave a balance in NZD and move it into a currency when you need it.

Know This: The Wise card allows you to keep money in a NZD wallet, and if you don't have enough in a foreign currency, the balance will be taken from your NZD wallet at the current exchange rate. This is flexible if you're making a short trip or don't want to commit to an exchange rate in advance.

Beware of the Cash Passport: If you do the same thing with the
Cash Passport, you'll pay a 5.95% fee for using an 'unloaded' currency. This fee is charged "when there are insufficient funds in that currency to complete the transaction and the cost is allocated against other Currency/ies on your card to fund the transaction" per the Cash Passport fee schedule. Our view is that this fee, along with the significantly lower exchange rates (2% to 5% lower compared to Wise), makes the Cash Passport an expensive travel money card.
Cash Passport vs Wise Debit Card Comparison

What exchange rate do you get? It differs between cards

This is very important to distinguish between the two cards. The Cash Passport uses a rate that is 'fixed' for four hours. Our research confirms that the rates used for sample currencies can be around 2% to 4% lower than the rates used by Wise. The differences can be significant and add up the more you spend. Wise uses the interbank rate and adds a small commission, around 0.35%, and you can see how much currency you'll get at any time by visiting their website and using the currency tool.
Cash Passport vs Wise Debit Card Comparison

What fees and charges do you pay? Cash Passport and Wise have very different fees.

1. Cash Passport is arguably fee-heavy. If you buy the card via a retailer, there is a one-off card fee - this will either be "The greater of 1.0% of the initial load/reload amount or NZD$10.00". For example, if you purchase a Cash Passport from a travel agent and load NZD$2,000, you would be charged $20 (NZD$2,000 x 1.0%=NZD$20) given that NZ$10 is the minimum charge. The less you load initially, the lower the fee, which we find confusing.

Withdrawing money? If you take money out at an ATM, there is fixed fee (depending on the currency withdrawn). You can see these in the fee schedule.

Warning: Cash Passport also charges a "Currency conversion fee" if you use the card in a currency not loaded. This is the "Mastercard rate" plus "5.95% of the transaction value". This means you'll need to constantly fund a currency every time you top up to avoid the risk of being stung by this high fee. In comparison, you can top up a Wise card with NZD and any transaction made is done at the interbank rate, so you'll get the best exchange rate and the standard Wise fee. We estimate this to save people 90%+ of the costs charged by Cash Passport for most currencies.

2. Wise, by comparison, is far more straightforward and has a one-off $14 card application fee. This is charged when you order the card and covers the costs of posting it to you. All subsequent renewals are free, so you only pay this fee once. After that, you can load 1 cent or up to a million dollars for free via your bank account (or pay a surcharge to use a debit or credit card). There are no closure fees, inactivity fees or penalty currency conversion fees. The card is yours for life and will be reissued for free when it expires.


Pro Tip: Wise is far simpler to use, and you don't need to lock in the exchange rate when you travel. You can keep your money in NZD and be charged whatever the FX rate is during your purchases. This avoids the need to think about what the NZD will do, and unlike the Cash Passport card, there's no 5.95%+ penalty for keeping your money in NZD and making a foreign currency transaction.
Visit Wise

Cash Passport vs Wise Debit Card Comparison

Cash Passport vs Wise Comparison Table

The table below shows the differences between the cards. However, it's hard to see how this makes a difference until you load money onto a card.

The video below explains how you'll pay much more using the Cash Passport Mastercard when compared to the Wise Debit Card.
Card Name
Number of currencies
What exchange rate will you get?
Card issue fee
Load fees
Cash Passport
10
The Mastercard Cash Passport's own rates
1% of the initial top-up value (if in store, free online)
Free (but cardholders pay the Cash Passport FX rate which is below-market)
Wise Debit Card
50+
Interbank rate + around 0.35%
$14
Free (bank transfers)

Topping up $1,000 into EUR, USD, AUD and GBP - Cash Passport vs Wise

  • The video below shows you how much foreign currency you will get with NZ$1,000. The results show a significant difference in how much money each card gives you, with Wise having the clear advantage.
  • Try it yourself now for whatever currency you need using the Cash Passport tool and the Wise tool. All prices are live.
  • The differences add up and this is the main reason why we favour Wise over Cash Passport. You're paying less for exactly the same thing.
  • We found that the difference is anywhere between 2% and around 5%, meaning Wise 'charges' a lot less for foreign currencies than Cash Passport.

Cash Passport vs Wise Debit Card Comparison

Cash Passport vs Wise - Pros and Cons

Picture
Cash Passport

Pros:
  • Widely accepted around the world
  • Can lock in an exchange rate in advance for ten foreign currencies

Cons:
  • Poor value exchange rates (compared to Wise and even most credit cards and debit cards).
  • Several fees are charged, including ATM withdrawal fees, closure/cash out fees and a penalty fee for spending in currencies not loaded into a wallet.
  • Only New Zealand dollar amounts can be transferred onto a Cash Passport. This means if someone wants to pay or transfer money to you and it's not NZD, the Cash Passport will reject the transaction. This is arguably only an issue if you're planning to work overseas but in an increasingly digital world, we still see it as a limitation.

More details: Cash Passport Travel Money Card
Picture
Wise Travel Money Card

Pros:
  • Widely accepted around the world
  • Can lock in an exchange rate in advance for 50+ currencies.
  • Best exchange rates with no Cash Passport-type fees
  • You can load NZD into 50+ currencies or keep it in NZD and spend as you go
  • An innovative app that live-feeds all purchases lets you freeze/unfreeze the card and top up from your bank account or card.
  • Connects to GooglePay and Apple Pay.
  • Top up as little as 1 cent

Cons:
  • None that we can identify.

More details: Wise Travel Money Card

Cash Passport vs Wise Debit Card Comparison

Alternatives to Travel Money Cards

Both the Cash Passport and Wise offer a safe way to carry cash overseas. However, they are prepaid cards, so you can't borrow if you have an emergency, nor can you use them to hire rental cars. We have reviewed the best debit and credit cards for travel - this guide explains the best options and what you need to know.

Our view: A credit card with low (or zero) currency fees on overseas spending is arguably a sensible option for purchases made when you're travelling. However, you will need to pay off all of the balance every month to be cost-effective. We believe banks are not competitive regarding the fees charged when using a debit or credit card for a foreign currency purchase. However, there are some exceptions that this guide outlines.
Visit Wise

Cash Passport vs Wise Debit Card Comparison

Frequently Asked Questions

Are either of these Travel Money Cards cards secure?

  • Wise: The Wise card offers contactless purchases and Apple Pay and GooglePay integration (see below). If you're withdrawing money, a PIN is required. 
  • Cash Passport: Cash Passport is secured via PIN and also offers contactless payments.

Do either cards connect to GooglePay or Apple Pay?

Wise integrates to both, and the setup is very easy. Unfortunately, the Cash Passport doesn't offer any integration with its New Zealand product, so you will need the physical card to make purchases.

Can I claim for a chargeback if something goes wrong with a purchase?

Wise had a anti-fraud support desk, Cash Passport suggests cardholders call their helpline. However, for chargeback specific information, we suggest following the MasterCard or Visa chargeback scheme, which we outline here.

What happens if Mastercard (the provider of the Cash Passport) or Wise goes bust?

This question is reasonable given competitor (and major player) Travelex and its parent company Finablr almost went bust in early 2020 before later going into administration.

It's unlikely the Mastercard Cash Passport product will go bust given its association with global giant Mastercard. However, the Cash Passport website doesn't offer information about this very important consideration.


Wise states that it "uses two approaches to safeguard your funds". This includes depositing the funds at banking institutions and investing them in government-backed liquid assets, primarily government bonds".

Where can I use the Cash Passport and Wise travel money cards?

Anywhere Visa or Mastercard is accepted - so, effectively, in millions of places worldwide. Of course, this means any ATM and website as well. 

However, there are some exceptions. For example, hotels may require a credit card (but not always) as a pre-authorisation check. Car rental agencies also usually require a credit card, so be conscious of this when planning a trip. 

Should I pay in NZD or the local currency?

Too often, 'Pay in NZD' flashes up on a card machine or ATM when you're overseas. This is called dynamic currency conversion and is usually best avoided. It always uses a lower-than-market rate to make money for the retailer and/or the card machine operator. Our guide to foreign currency exchange has more details.

What happens if my travel money card is lost or stolen?

With Wise, you can freeze the card using the app to prevent contactless payments. You can unfreeze the card if and when you find it again. If you need a new card, it will be mailed to you. 

The Cash Passport website requests that anyone who has lost or had their card stolen should call their helpline.

Our Top-Rated Travel Money Card - The Wise Debit Card

We like the Wise Debit Card because it lets you:
  1. Get the best exchange rates out of any card on the market in New Zealand
  2. Spend abroad without hidden fees, and have an app that lets you track all your spending
  3. Convert and hold 54 currencies (and Wise uses the real exchange rate to convert, unlike the Cash Passport's far inferior rate).
  4. Go 'cardless' by connecting your Wise card to Google Pay
  5. Order the card with a low one-off $14 card issue fee

Our view:
  • The Wise Debit Card doesn't have any tricky fees, and it is years ahead of all the other traditional travel money cards, especially the Cash Passport.
  • You will convert at the best exchange rates and pay very low fees on each transaction. Best of all, it's easy to use and doesn't confuse you as traditional travel money cards can. It also gets rave reviews from our readers.
  • We don't have much time for the rest of the travel money cards available and the Cash Passport is not a "runner up" to the Wise card given its fees and rates.
Cash Passport vs Wise Debit Card Comparison
Visit Wise
Our Wise Debit Card Review

Related guides and resources:
  • Best Travel Money Cards
  • Travelex vs Wise Travel Money Card
  • OneSmart vs Wise Travel Money Card
  • Wise Debit Card Review
  • Foreign Currency Debit and Credit Card Fees
  • Foreign Currency Exchange

​Travel Money by Country:
  • Australia Travel Money
  • Bali Travel Money
  • Europe Travel Money
  • Fiji Travel Money
  • Japan Travel Money
  • Rarotonga Travel Money
  • USA Travel Money
  • UK Travel Money
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