MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • 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 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • 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
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 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
        • 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 Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • 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
      • Money Sweetspot 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
      • Best Holiday Home and Airbnb Insurance Policies
      • 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
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • 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
      • Interest Rate Predictions 2025
      • 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
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • 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
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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Cathay Pacific Business Class Auckland to Hong Kong Review - Flight CX 198

​We review Cathay Pacific's Business Class on the Auckland to Hong Kong route, covering insights on seating, amenities, dining, and the overall flight experience.
Cathay Pacific Business Class Auckland to Hong Kong Review - Flight CX 198
Updated 21 June 2025
Our View:
  • Cathay Pacific's A350-900 Business Class is a great way to get to and from Hong Kong, with spacious aisle or window seats, an extensive inflight entertainment library, a delightful and efficient lunch and dinner service, a long wine list, and an overall great cabin environment.
  • The Auckland to Hong Kong departure timing is perfect - around 1 p.m., making for a long day/night with convenient connections to Asia, India and Europe, arriving the next morning (where schedules permit).
  • You can download a sample menu and cellar list from June 2025 - all dining is delivered at set times. 
  • An A350-900 seat map is available via SeatGuru, and helps explain the different options. 
  • Cathay Pacific won World’s Best Economy Class 2025 and World’s Best Inflight Entertainment 2025 from Skytrax. While we can't verify their awards process, the results indicate the high standards of Cathay Pacific as a five-star airline.

​Overview of Cathay Pacific's Auckland to Hong Kong flight:
  • CX198 departs daily from Auckland to Hong Kong, taking around 11 hours, leaving at around 1pm and arriving in Hong Kong at around 9:30pm local time.
  • Cathay Pacific offers 38 business class seats. Return fares to Europe start at around $9,000, while destinations in China start from around $3,500. One-way fares from Auckland to London start at around $4,800. You can see the current pricing under the offers section on the Cathay Pacific website.
  • Cathay Pacific offers year-round daily services to Auckland, and we argue that the business class experience is top-tier, alongside Singapore Airlines, for getting to and from Asia. Air New Zealand works with Cathay Pacific on the Hong Kong route, but we argue that the Cathay seat and entertainment options are far superior to that offered by Air New Zealand. 

In this review, we outline the Cathay Pacific experience, from check-in at Auckland airport to the local Auckland business class lounge (Air New Zealand Lounge), boarding, business class cabin and seats, business class amenities, entertainment and Wi-Fi, and landing and connecting in Hong Kong. The flight details are as follows:
  • ​Flight: CX 198
  • From: Auckland to Hong Kong
  • Cabin: Business
  • Date: June 2024
  • Aircraft: A350-900

Our review covers:
  • Check-in, Lounge, Boarding and Cathay Pacific's A350-900 Business Class Seats
  • ​Cathay Pacific Amenities and WIFI Options
  • Pre-departure Drinks and Business Class Dining
  • Cathay Pacific Business Class Auckland to Hong Kong - Our Conclusion
  • Frequently Asked Questions about Cathay Pacific's Business Class on the Auckland to Hong Kong Route

Disclaimer - Flight Reviews:
  • At MoneyHub, we pride ourselves on delivering objective, data-driven insights based on thorough research and factual information. While our reviews strive to be as comprehensive and impartial as possible, it's important to note that this airline review is qualitative and based on personal experience. It includes subjective opinions that reflect the individual reviewer's perspective.
  • We understand that personal experiences with airlines can vary widely due to numerous factors such as flight route, crew service, and specific travel conditions. These variables can present challenges in providing a uniformly applicable review. To mitigate these challenges, we ensure our reviewers have a broad range of experiences and cross-reference our findings with multiple sources.
  • Additionally, we encourage readers to consider multiple reviews and sources to form a well-rounded view. We aim to provide honest, transparent, helpful information to guide travel decisions. By acknowledging the inherent subjectivity in qualitative reviews, we strive to offer balanced and reliable insights.​

MoneyHub Founder Christopher Walsh Shares his views on Cathay Pacific:

"As a frequent traveller and a fan of Cathay Pacific, one of the standout features is the comfortable seating, friendly crews, endless entertainment, ease of connecting in Hong Kong and the signature Cathay Pacific lounges. I also fly business class with other airlines - Cathay Pacific is reliable, easy and high quality, especially if you're connecting to/from London where there are 5+ flights a day serving Heathrow.

I attend numerous conferences and events across Europe annually, and Cathay Pacific is a preferred option (alongside Qatar Airways) given the schedules perfectly suit my travel needs. The flights from Auckland to Hong Kong are timed to provide seamless connections to Europe, with arrivals around 7am in Europe and departures (in London) at around 7-10pm, ensuring convenient layovers. The connections via Hong Kong are efficient, with usually 1-4 hours of transit time, and the flights are scheduled to arrive in Auckland around 11am, making the overall journey as smooth as possible.

The seats are spacious, the crews are highly engaged and the experience makes long-haul flights enjoyable.

I've been asked by some New Zealanders about what they should do with their "Cathay points". If you like to keep things simple, Air New Zealand confirms that "Airpoints members can earn Airpoints Dollars when travelling on flights booked with an NZ or CX flight number between New Zealand and Hong Kong only". Air New Zealand will credit 90 Airpoints Dollars each way for Auckland to Hong Kong flown on Cathay Pacific per its calculator. While you won't earn Airpoints Dollars for any other Cathay Pacific other than to/from Auckland, 180 Airpoints Dollars is useful as a reward and convenient with Airpoints so you don't need to join any other program. You can also credit all Cathay Pacific business class flights to the Qantas Frequent Flyer program.

Overall, Cathay Pacific is a go-to choice for seasoned travellers. It offers a strong business class product that stands out for its comfort, entertainment, lounge choice, transit comfort and free WIFI. For anyone travelling to Europe, Asia or just to Hong Kong, it offers a comfortable flying experience".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder 


Cathay Pacific Business Class Auckland to Hong Kong Review - Flight CX 198 A350-900

Check-in, Lounge, Boarding and Cathay Pacific's A350-900 Business Class Seats

​Business class passengers get two dedicated check-in desks at Auckland Airport, and the bag drop-off process is smooth. While Cathay Pacific invites business class passengers to use the Air New Zealand Lounge, as a business class passenger, you'll be able to use the soon-to-open Qantas Lounge when it goes online in 2026.

Business class passengers are boarded first. There are two business class cabins: the front cabin (rows 11-19) has 30 seats, and the rear cabin (rows 20-21) is behind the second set of doors and features 8 business class seats spread across two rows.

Cathay Pacific's A350-900 Business Class Seats

​Cathay Pacific's A350-900 business class features 38 reverse herringbone seats in a 1-2-1 configuration, offering direct aisle access for every passenger. Unlike the newer Aria Suites found on some aircraft, these seats represent Cathay's previous-generation business class product but are very comfortable and have the same amount of space.

Seat Configuration & Best Options: The business class cabin is divided into two sections, with rows 16-18 being the "sweet spot" as they experience less foot traffic and are further away from bathrooms and the gallery.

Seat Features: Based on Safran's Cirrus product line, these reverse herringbone seats are notably more spacious than typical configurations. There is a comfortable footwell, and when converted to bed mode, all seats recline to fully lie-flat beds and are covered in a green woven fabric that matches Cathay's brand colours. The blanket is a high-quality heavy cream colour, and the bed's (optional) mattress is also very comfortable and easy to fit.

Technology & Amenities: The 18-inch monitor is impressive, and the property features an extensive library of entertainment options. Business Class passengers receive complimentary Wi-Fi and a power outlet and USB charging port is available at each seat.

Know This: The middle seats (D/G) work well for couples travelling together, while the window seats (A/K) offer more privacy for solo travellers. Avoid seats in Row 11 (11D/G) due to their proximity to the bathrooms and the gallery.

Our View: While the Cathay Pacific A350-900 seats lack the privacy doors and enhanced features of the newer Aria Suites, they remain a solid business class product with generous space, full flat-bed capability, and Cathay's renowned service standards.

Cathay Pacific Bamford

Cathay Pacific Amenities and WIFI Options

Cathay Pacific offers a business class amenity (slippers, eyeshades and some Bamford toiletries. There is free WIFI for all Business Class passengers.

Cathay Pacific Business Class Auckland to Hong Kong Review - Flight CX 198 A350-900

Pre-departure Drinks and Business Class Dining

On our flight from Auckland to Hong Kong, which is representative of the typical service on this route, the following occurred:
  1. Pre-departure drinks were also offered, with the choice of water, orange juice or champagne.
  2. The Captain made his welcome aboard announcement, informing us of the flight time of 11 hours and 10 minutes.
  3. A few minutes later, we began our pushback, and then, after that, we began our taxi. At this point, the safety video was screened.
  4. Takeoff on the A350-900 service to Hong Kong took off, flew out to the western beaches (past Piha), continued up to Northland while heading east, and the seatbelt sign was turned off about 15 minutes after takeoff.
  5. As you'd expect on a long-haul flight, lunch is served shortly after takeoff, with orders taken just after boarding. The menu and drink list for this flight are below. Warm towels were distributed around 20 minutes after takeoff. The photos and menu outline a selection of the dining options available in June 2025.
  6. The A350-900 offers three toilets for 38 passengers, which is a good ratio. Two (positioned at the front) have windows and feel spacious. In the galley by the toilets, some packaged self-serve snacks were also available, but you can order anything from the menu at any time.
  7. The crew working on our flight in June 2025 was friendly and attentive. After around 10.5 hours in flight, the Captain announced we would be landing in around 30 minutes. Ten minutes later, we began our descent, and then, ten minutes after that, the seatbelt sign was turned on.
  8. Arriving in Hong Kong is easy, and if you're connecting, there is a quick security screening. Then it's a brief walk to one of the four Cathay Pacific lounges available throughout the Hong Kong Airport.​
​The menu:


​The full menu and cellar list:
Your browser does not support viewing this document. Click here to download the document.
Photos from the flight can be found below:

Cathay Pacific Business Class Auckland to Hong Kong - Our Conclusion

Cathay Pacific Business Class Auckland to Hong Kong - Our Conclusion

Passengers in Cathay Pacific’s A350-900 Business Class enjoy outstanding comfort and privacy across all seats. The lie-flat beds, especially in the paired centre seats, are particularly cozy for couples, while the window seats offer a spacious and tranquil retreat. Fully reclining the seat and setting up the bed creates a snug, restful sleeping area. The attentive crews, endless entertainment and a favourable bathroom-to-passenger ratio make it a strong choice. 

For anyone flying further than Hong Kong, the airline delivers a top-tier long-haul experience and seamless one-stop connections to its extensive Asia and Europe network. 

Business class fares, when booked early, are often competitive or more affordable than those of Air New Zealand, Singapore Airlines, Emirates, Qatar Airways, and Qantas for routes to Europe.​​

Frequently Asked Questions about Cathay Pacific's Business Class on the Auckland to Hong Kong Route

Frequently Asked Questions about Cathay Pacific's Business Class on the Auckland to Hong Kong Route

We answer common queries below:

What is the seat like in Cathay Pacific Business Class on the Auckland to Hong Kong route?

Cathay Pacific's A350-900 Business Class features a 1-2-1 reverse herringbone layout, giving every passenger direct aisle access. The seat converts into a fully lie-flat bed with plush bedding, a soft pillow and excellent privacy. Solo travellers should aim for the window seats (A/K), while couples may prefer the centre seats (D/G). All seats are well-cushioned, with ample legroom and a spacious footwell.

​What can I expect from the dining experience in Cathay Pacific Business Class?

Dining is restaurant-style, served in courses shortly after takeoff and again before landing. You'll be offered a glass of champagne or juice before departure, followed by a multi-course lunch and a light refreshment before landing. Menus are updated seasonally and feature a variety of Western and Asian options, complemented by a carefully curated wine and beverage list. Orders are taken after boarding, and food is served at scheduled times (not dine-on-demand).

What is the inflight entertainment like?

​Cathay Pacific won Skytrax's 2025 Best Inflight Entertainment for a reason. Expect a high-resolution 18-inch screen, noise-cancelling headphones, and an enormous library of new-release movies, TV shows, documentaries, music and games. The system is fast, responsive, and intuitive to use.

Is Wi-Fi available in Business Class?

Yes – Wi-Fi is complimentary for all Business Class passengers. It's suitable for emails, messaging, and light browsing. Speeds are generally reliable on the A350 aircraft, especially over Asia-Pacific airspace.

What lounge can I use in Auckland before the flight to Hong Kong?

Cathay Pacific passengers departing from Auckland can use the Air New Zealand International Lounge, which offers a range of amenities, including hot and cold meals, barista coffee, a self-service bar, showers, and multiple quiet seating areas. From 2026, Cathay Pacific Business Class passengers will have access to the new Qantas International Lounge, which is expected to provide a premium upgrade.

What are the sleeping arrangements like in Cathay's A350-900?

The seats transform into comfortable beds with plush blankets and a big pillow. The large footwell is ideal for side sleepers. The seats in the centre section are perfect for couples.

What are the best connections from Hong Kong?

Cathay Pacific's night arrival into Hong Kong (~9:30pm local time) allows for overnight layovers or late-night onward flights to destinations across Europe, China, Southeast Asia, Japan, and India. The following morning, dozens of Cathay flights leave between 12am and 2am, offering convenient one-stop options. Return flights (CX113, HKG-AKL) typically depart in the evening, around 9, and land in Auckland around 11 am, making for a smooth return journey.

How comfortable is the seat for sleeping?

The lie-flat bed, plush blanket, and large pillow combine to create a genuinely restful sleeping experience. The footwell is roomy enough for side sleepers, and the cabin remains dark and quiet after the main meal service. Many travellers report good quality rest, especially in the centre section or further away from the galleys.

What is Asia Miles? Should I join or credit flights to another frequent flyer program?

Asia Miles is Cathay Pacific’s loyalty program, and it rewards members with miles based on the fare paid and the distance flown. But if you're only flying Cathay Pacific once a year – such as a return trip from Auckland to Hong Kong – it may not be the best program to credit your flights to.

Why Crediting to Air New Zealand Airpoints Makes More Sense
Cathay Pacific is a partner of Air New Zealand, and return flights between Auckland and Hong Kong can be credited to your Airpoints account. Instead of earning Asia Miles – which may sit unused and eventually expire – you’ll earn Airpoints Dollars (APD), which are far more practical for most New Zealanders:
  • Airpoints Dollars don’t expire as long as you're active, and can be used for any Air New Zealand flight, upgrades, rental cars, or even Koru membership.
  • You avoid the risk of orphaned points in an overseas airline program, especially if you don’t fly Cathay regularly.

What About Qantas Frequent Flyer?
Cathay Pacific flights can also be credited to Qantas Frequent Flyer – a potentially good option if you’re already earning Qantas Points and flying with their network. But remember:
  • Qantas Points can expire without account activity, and upgrades on Cathay using Qantas Points are not possible.

When Asia Miles Does Make Sense
If you’re a regular Cathay Pacific traveller, especially beyond just AKL-HKG-AKL, Asia Miles has strong perks:
  • Access to award flights and upgrades on Cathay Pacific, including their premium cabin experience.
  • Cathay Pacific lounges and priority access benefits for elite status members.
  • Miles can be used for flights across the oneworld alliance, including British Airways, Qatar Airways, Japan Airlines and more.

Our View: For most New Zealanders doing just a return trip to Hong Kong once a year, crediting to Air New Zealand Airpoints is simpler, more valuable, and more flexible.

How much do Cathay Pacific Business Class fares cost?

  • Return Auckland–Hong Kong fares generally start from $3,500
  • Return fares to Europe via Hong Kong typically begin around $8,500 to $9,500
  • One-way Auckland to London in Business Class often costs around $4,800

Related Guides:
  • ​Best Rewards Credit Cards
  • Travel Money Cards
  • Comprehensive Travel Insurance Guide
  • Cathay Pacific Credit Cards
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  • Credit Cards
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        • Qantas Credit Cards
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  • Banking & Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • For Startups
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  • Travel Insurance
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  • Mobile & SIM
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  • Broadband
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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      • SortMe Review
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  • Life Essentials
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    • Kids Eat Free
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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