MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers 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
          • Interest Rate Predictions 2025
            • Money Sweetspot Review
            • 20 Property Investment Risks You Can't Ignore
            • Shares vs Property Investment
            • Milford vs ANZ KiwiSaver Growth Funds Comparison
            • Best Performing KiwiSaver Funds
            • Kernel Shares & ETF Investing 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
      • 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
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • 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
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • KiwiSaver
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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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  • Trade Services
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How to Request a Credit Card Chargeback - The Definitive New Zealand Guide

If you have been paid for good or services not received, our definitive guide to chargebacks walks you through the process, step by step, to help you get back the money you're owed
Chargeback transaction on Credit Card Guide NZ
Updated 18 July 2024
Despite an unprecedented level of refund complaints about companies such as Air New Zealand, Airbnb and Expedia, there is yet to be a standard card chargeback process. Our guide explains your rights, options and outlines the best way to get a favourable outcome for any disputed charge made to your card.
 
In this guide, we outline:
  • Does my Transaction Qualify for a Chargeback?
  • Chargebacks on EFTPOS and Debit Cards - What You Need to Know
  • General Requirements to Initiate a Chargeback
  • How to Organise a Chargeback
  • Frequently Asked Questions to Help You Get Your Money Back
  • What happens if my card issuer (i.e. bank) rejects my chargeback request?
  • Comments from the Banking Ombudsman around timeframes and chargeback/recovery scams
 
Read this first:
  1. This guide does not cover debit or credit card fraud. If you are a victim of charges you don't recognise or have been unauthorised, contact your bank immediately.
  2. The guide is also exclusively for New Zealand-registered debit and credit cards; the guidance does not apply to foreign registered cards.
  3. We present this information in good faith; chargebacks are contentious and uncertain - our guide helps to bring clarity to the matter.

​Why are chargebacks now popular?
Until COVID-19, very few New Zealanders ever needed to dispute charges with their credit card or debit card provider. However, the billions of dollars spent on cards for future travel became a massive issue in early 2020 when customers, having had their trips cancelled, weren't refunded by airlines, hotels and travel agents. New Zealand banks were then inundated with refund requests, known as chargebacks, but little was known about the process.

MoneyHub Founder Christopher Walsh explains important points and must-know facts about chargebacks in the video below:

Know this first – what is a chargeback and why you may need to request one

A chargeback occurs when the money you've paid to a merchant (i.e. airline, online store) using a debit or credit card, is refunded back to the card you paid with. Chargebacks usually occur when the merchant is unwilling to refund you, or you're unable to negotiate directly with the merchant. Chargebacks have time limits, meaning you'll need to act quickly to get your money back.

A chargeback usually arises in one of a few ways:

  1. ​You buy something online, your debit or credit card is charged, but the goods never show up. Requests to contact the merchant for an update are ignored, and you're left out of pocket.
  2. You prepay travel expenses, such as hotels or airline tickets and the airline cancels the flight or the hotel closes down but offers you 'credit' for future travel, not a refund.  
  3. You buy something but unknowingly (and unreasonably) have your card charged later on as part of a 'subscription' you don't want or need. You ask the merchant for a refund, but they decline using their terms and conditions as their defence. 
  4. The merchant promises to refund you, but the refund never eventuates. 
  5. You buy something from a company that goes bankrupt before they provide the goods or services you paid for. A recent example is the collapse of STA travel. 
 
If your situation is the same (or similar) to one of the examples above, a chargeback is the most likely way to get your money back.

Chargeback transaction on Credit Card Guide NZ

Does my Transaction Qualify for a Chargeback?

Your transaction needs to fit into one of nine categories in order to qualify:
  1. The Merchandise/Services you paid for was not received
  2. You cancelled a recurring transaction (insurance, subscription etc.) but they kept on charging you
  3. The service or product that you received was damaged, defective or not as described.
  4. You received counterfeit merchandise, but you expected original or genuine merchandise.
  5. The merchant misled you about the terms of sale. 
  6. You were promised a refund but you never actually received it. 
  7. The merchant cancelled your goods or services but then failed to refund you after you asked.
  8. You tried to withdraw cash from your credit card, but the machine didn't give it to you. 

Time Limits
  • There are also time limits to consider. We asked an expert in the field - their comments are as followed:
  • "Time limits are where we find the most confusion and misinformation. Different banks say different things, even though Visa and Mastercard make the rules. The time limits are 90 days from the transaction or 120 days from the expected provision of service. In cases such a buying a faulty product from a shop. You have 90 days to make a claim.
  • For services you expect to be provided (i.e. flights, hotels and other tickets), it's best explained with an example. If you purchased flights 12 months ago and departure was less than 4 months ago, your transaction would be within the timeframe rules set by Visa and Mastercard and your bank would be able to process your chargeback.
  • 120 days also applies to refunds promised but not received. According to Visa and Mastercard rules, you only need to wait for 15 days to receive a promised refund so get your chargeback submitted if you haven't received your refund after a couple of weeks". 

Chargeback transaction on Credit Card Guide NZ

Chargebacks on EFTPOS and Debit Cards - What You Need to Know

​

Can I chargeback an EFTPOS transaction?

No – if you paid with EFTPOS then you won't be able to request a chargeback. This is because chargeback protection is provided by MasterCard or Visa's processing systems, whereas EFTPOS uses a different exchange.

Can I chargeback a debit card transaction?

It depends - In New Zealand, if you inserted or swiped your debit card at the payment terminal, then the transaction would go through EFTPOS and can't be charged back. If you paid with your debit card online, over the phone or in-person using contactless and the transaction goes through Mastercard or Visa, it is eligible for a chargeback. 

How do I check if my debit card transaction went through Visa, Mastercard or EFTPOS?

To help answer this question, we asked our expert who supplied this detailed response:

If you're certain that you paid online, then there is no need to check—you're covered. If you paid in person, then here is how you can check to see how the transaction was processed:
  1. ANZ - click on the transaction from their online banking or mobile banking app.
  2. ASB and Kiwibank - you will need to call them and ask. There online and mobile apps won't tell you.
  3. BNZ - you will need to call them and ask. Their online and mobile apps incorrectly report all transactions as EFTPOS even when they go through Mastercard or Visa.
  4. Westpac - each transaction on the printed statement will indicate this.
  5. Other banks (TSB, SBS, Co-Operative etc) - call their support team and ask
 
Know this: If you paid with a credit card, then don't worry as all transactions are protected no matter how you used the card.  

Chargeback transaction on Credit Card Guide NZ

Important – General Requirements to Initiate a Chargeback

Having the best chance of chargeback success requires following the right four-step process, which we outline below:
Chargeback for Transaction Disputes NZ

Ask for your money back

Before initiating a chargeback, you must have made it clear to the merchant that you want your money back. Even if you have done this in person or over the phone, your bank will ask for a copy of your written request. Chargebacks are a nightmare for merchants, so it's only fair that you allow them to resolve the situation before disputing the transaction with your bank. 
Chargeback for Transaction Disputes NZ

Gather your evidence

To have the best chance of chargeback success, you'll need to collect the following:
  1. Your proof of purchase. This is the most important; it can't be a payment slip or your bank statement as these don't make it clear what you purchased. 
  2. Proof that you asked in writing for a refund. Email is best, but this could also be a screenshot of an online chat conversation with the merchant. 
  3. Evidence that supports your claim. This will depend on how your transaction qualifies for a chargeback. In the case of a cancelled flight that wasn't refunded, you would need to supply evidence that the airline cancelled the flight. 
  4. In some cases, you might need to supply a copy of the terms and conditions you agreed to at the time of purchase. The merchant can't use their terms and conditions to override the Visa and Mastercard chargeback rules, but they can be relevant to the dispute and may be asked for by your bank. 
Chargeback for Transaction Disputes NZ

Write your story

Your chargeback claim will eventually end up on the desk of dispute manager at your bank. You want to make their job easy so that they can quickly approve the chargeback. We suggest outlining a bullet-point factual summary of all the events, in chronological order.  Here is an example: 
  • I purchased Concert Tickets from Ticket Guru using my credit card on 22/01/20. I paid $631.24 using my credit card. 
  • My Production Tickets were scheduled for 22/03/20. However, the company that I booked through (Ticket Guru) cancelled the Show. After communication with Ticket Guru,​ I was promised a refund. I supplied Ticket Guru with the information they requested in order for the refund to be processed into my account.
  • The refund was expected on 21/08/20. The refund has not been issued.
  • I am requesting the Visa dispute code of 13.6 Credit Not Processed be used in this chargeback request. 
  • I have fully met my obligations to Ticket Guru with regards to obtaining my money back for the service that they did not provide.​
Chargeback for Transaction Disputes NZ

Submit your case to your bank

Now that you have everything ready, you now need to submit it to your bank. Most banks have a form on their website that you can download, complete and then email back to them. The notable NZ exceptions are ASB and Kiwibank who require you to call them first to start the chargeback process.

Our expert comments further:
"We strongly advise caution here as bank branch workers and call centre operators are not well trained on chargebacks. We have recorded numerous cases of them advising customers that they can't make a claim, despite the claim being eligible". 

Chargeback transaction on Credit Card Guide NZ

Next Steps – Organise a Chargeback

Apply directly with your card issuer
You can do this by following your bank's chargeback guidance:
  • ANZ
  • ​ASB
  • BNZ
  • Co-operative Bank​
  • Kiwibank 
  • ​TSB
  • Westpac

Our view: The chargeback process helps protect consumers, but it costs a lot of time and money for the banks to administer. Unfortunately, this means the process is cumbersome and involves filling out forms and supplying evidence. There is simply no reason for the banks to make it easy as they are losing money with every interaction.

Chargeback transaction on Credit Card Guide NZ

Chargebacks - Frequently Asked Questions to Help You Get Your Money Back

Navigating chargebacks, and having a successful outcome, can be difficult, especially and there is very little published guidance and support from banks and merchants. To help give you the best chance of getting your money back we have listed common queries and answers below.

The retailer is telling me they don't have enough money to refund me – will this affect the chance of a chargeback success with my bank?

No – chargebacks are processed by banks or the card issuer, not the retailer or merchant you transacted with. The card issuer will then attempt to claim the money back from the merchant, but this is not a prerequisite for getting your money back. For example, if you didn't receive something you ordered and the merchant says it has no money to refund you, you have a valid chargeback claim that the card issuer can cover. Whether the bank gets the money back from the retailer, later on, isn't your concern.

The merchant has gone into liquidation or bankrupt – can I still request a chargeback if I didn't receive my goods or services?

Yes – chargebacks are a benefit of using a debit or credit card. The case of STA Travel going bust saw many customers requesting chargebacks.

Our expert provides additional guidance about companies no longer trading:
  • When a company goes under, the bank that they used to process their Visa and Mastercard transactions becomes liable for any services or products that have been paid for but not supplied.
  • This means that the merchant's bank will be the one paying you back (via your bank) if your chargeback is successful.
  • The main thing, however, is that your purchase must be within the chargeback timeframes. Here are some examples:  
  1. Joe purchased air tickets to Brisbane 12 months ago, but the flight was cancelled two months ago. Then one month later, his travel agent went bust. Joe would be successful with his chargeback.
  2. Sam purchased air tickets to Brisbane 12 months ago, but the flight was cancelled five months ago. Then four month later, his travel agent went bust. Joe would NOT be successful with his chargeback as his flight date was outside the 120-day limit. If Joe had rescheduled his flight to a future date, then the flight would be within the timeframe, and he would be successful with his chargeback.
  3. Sally purchased air tickets to Brisbane 12 months ago, but the flight was cancelled three months ago. She was then promised a full refund in writing, but it never came. Her travel agent then went bust. Sally would be successful with her chargeback
 
The key takeaway is that you should get your chargeback in as soon as possible when a company you're relying on goes under. 

The merchant is overseas, and the transaction was in a foreign currency – can I still request a chargeback?

Yes – your right to a chargeback is the same no matter where the transaction took place or what currency it was in. The only requirement is that the transaction was made on a New Zealand-issued debit or credit card, and you meet the application criteria.

I returned goods within the return period, but my refund wasn't processed. Now the retailer won't talk to me – can I request a chargeback?

Yes – the bank will ask for evidence of the goods being returned, email exchanges from the merchant's customer support and other essential documents such as tracking number to prove the returned goods. The bank assesses the application and, unless there are any issues, your chargeback should be approved.

Can I request a chargeback if I no longer want the items I purchased (or the services are yet to be provided), but I've now changed my mind about the purchase?

No – as the Banking Ombudsman Scheme states cardholders need a valid reason in seeking a refund on a disputed transaction. A change of mind is not a valid reason. Other reasons your chargeback application will be rejected include:
  1. You're not happy with the quality of the good or service provided (this is an issue for the merchant to address, not the card issuer).
  2. You found a better price somewhere else and now want to cancel or return your order.
  3. You didn't cancel a renewing subscription which has been charged despite reminders about the renewal.
  4. Your issue is due to the billing – for example, a power or broadband bill. Such problems need to be negotiated with the service provider or seller of the goods.  
  5. You have a contract with the merchant, and the chargeback relates to a dispute – you must deal with the company or person directly to resolve such issues.
  6. You have a software download dispute with the merchant – you'll need to talk to the service provider to resolve the software issue.

What credit card is best for chargebacks, and what is worst?

In New Zealand, there are three credit card providers – American Express, Mastercard and Visa. Mastercard and Visa are issued by banks, credit unions and some long-term finance providers such as Latitude (via the GEM Visa) and FlexiGroup (via the Q Mastercard). American Express sits outside the banks and third parties – if you have one of their cards, you directly deal with them. Having reviewed the products and processes of credit card providers in New Zealand, we believe American Express offers the best consumer protection. The benefits include having a helpline, a provider that has a transparent process for its customers and a track record of approving chargebacks. In comparison, we have observed difficulties with securing chargebacks using Mastercard and Visa-issued cards. 
 
Throughout 2020 as we researched this guide, we contacted Visa and Mastercard to clarify their chargeback process. However, all we received was silence despite assurances our queries would be addressed promptly. The banks we contacted were also unwilling to confirm their chargeback process. For this reason, we affirm our belief that American Express, with its long-standing history of working with cardholders directly, is much easier to navigate should you need to request a chargeback.

Chargeback transaction on Credit Card Guide NZ

What happens if my card issuer (i.e. bank) rejects my chargeback request?

Asking the bank for a chargeback puts you in a David and Goliath situation – the process is undefined, and you have very little power. The first step is to explain why your transaction doesn't warrant a chargeback if you are rejected. If you're not satisfied with the response, you can complain to the Banking Ombudsman. Before you do, closely read their chargeback guidance.
 
MoneyHub Researcher Christopher Walsh shares his experience:
"In 2020, we were approached by a MoneyHub user who was scammed via Facebook. The transaction in dispute was for over US$300 (around NZ$450 at the time). The complainant had purchased an e-book for around NZ$15 but, one month later, charged another US$300 for a 'subscription service to premium e-books'. It was a scam, and the merchant was unwilling to refund. Instead, their customer service team sent emails threatening 'criminal and civil prosecution' if further complaints were received. The bank who issued the credit card didn't seem interested either, telling their customer to sort it out with the merchant.
 
Given no refund was going to be given, MoneyHub, on behalf of the bank, contacted the bank directly and had the money refunded within a couple of days. As part of the settlement, we cannot name the bank. We believe the banks don't have a set process for dealing with anything that isn't a blatant fraud".

Banking Ombudsman NZ
Nicola Sladden, the Banking Ombudsman, shares her comments around timeframes and 'advocates' (also known as recovery room scams).

Timeframes
for charging back transactions - there are usually at least two different timeframes involved:

1. The timeframe set by banks under their terms and conditions for customers to notify them of any incorrect, unauthorised or disputed charges
  • This timeframe is usually between 30 and 90 days – a reasonable enough time for a customer to receive and review statements and alert the bank to any problems. But there also needs to be sufficient time to allow the customer to raise the issue with the merchant and for the bank to assess the chargeback request before the card provider's timeframe expires (see below).
  • If a customer requests a chargeback outside of the bank's timeframes but within the card provider's timeframe, we think it is fair for the bank to process the chargeback, nonetheless, if possible. In other words, banks shouldn't decline chargeback requests where they weren't notified within the timeframe specified in their terms and conditions unless the delay means it is no longer possible to do a chargeback.

2. The timeframe set by the card providers from the date of the transaction. In most cases, this is 120 days for Visa and 90 days for Mastercard.
  • The timeframe set by the card providers for the future provision of goods and services. There are different timeframes for charging back transactions because the goods and services were not provided or not as described where the purchase was for goods or services to be provided in the future (commonly for accommodation, travel, entertainment, etc.).
  • The 120/90 day timeframe starts from when the service/goods were to be provided (as opposed to the transaction date) – provided this is within a certain timeframe from the transaction date (540 days for Visa, and usually 365 for Mastercard).

Concerns about organisations that charge to act as advocates for bank customers seeking chargebacks:
  • These organisations often have a poor understanding of chargeback rules, banking practices and laws in New Zealand. We don't believe they provide value for money, and are sometimes another form of scam. See our quick guide to recovery room scams for more information. Thus, we recommend against paying online services for help with chargebacks. If customers require assistance to try and recover the funds, their banks and our office can help for free.

Related guides:
  • Best Credit Cards
  • Best Debit Cards
  • Mastercard vs Visa
  • American Express Review
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  • Credit Cards
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    • Travel Money By Country
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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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  • Law
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    • Best of New Zealand
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  • Travel Insurance
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  • Mobile & SIM
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  • Power
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    • Power Companies
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  • Essential Money Tips
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
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  • Financial Independence
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    • FIRE Tools
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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