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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Cheap SIM Only Deals

Don't overpay on SIM-only mobile deals - We compare plans to cover all use-types, including low-users wanting 1GB of data, minutes and texts for less than $10/month
SIM Card Data Plans NZ
Updated 12 May 2025
Summary
  • Smartphone contracts can end up costing a lot every month – but if you separate your phone from your mobile provider, you can save a lot with a SIM-only deal.
  • Whatever your needs and habits, there's a good chance you're paying to much at the moment. Switching to a cheaper provider is easy, and you can keep your number with no hassle. 
  • This guide lists everything you need to know when looking for a new SIM only plan and our top picks for low, medium and high data users.
  • We analysed 60+ SIM-only plans available in New Zealand offered by 11 different providers (2degrees, Contact, Farmside, Kogan, Kiwi Mobile, Mighty Mobile, One NZ (previously Vodafone), Skinny, Spark, Slingshot and Warehouse Mobile). We found that there was no real difference in prices between pre-paid and monthly plans. The only exception was for annual pre-paid plans, which offered savings of over 10% versus the same plan when pre-paid in monthly instalments.
  • Please note - Kogan doesn't allow you to reply to short text. This post explains more about why that can be an issue for anyone receiving appointment SMS.

Our best buy SIM-only plans are grouped by user type:
Best Buy 'Low User'
Best Buy 'Medium User'
Best Buy 'High User'
Best SIM Phone Plans NZ

"SIM Only" Must-Know Facts and Tips

SIM Only Mobile Plans NZ

SIM only means you are not paying for a phone

All SIM only plans only cover a service which includes data, minutes and/or texts. You don't pay anything with regards to a phone device, as each plan requires you to have an existing phone.
SIM Only Mobile Plans NZ

The known networks are NOT the cheapest in most instances

New Zealand's recent arrival of Mighty Mobile, Skinny and Warehouse Mobile offer cheaper data and calling bundles than the likes of Spark, One NZ (previously Vodafone) and 2Degrees. If you're with a big network, you're probably overpaying. 
SIM Only Mobile Plans NZ

Most SIM-only deals are for 28 days, 30 days or one month

This means you've got more flexibility to cancel, upgrade or downgrade the plan you pick. You can switch providers without paying penalties. 
SIM Only Mobile Plans NZ

Even though contracts are 30 days, you will probably have a credit check done

While this is mostly a formality, if you do have bad credit your application may be declined and you will need to stick to a pay-as-you-go SIM provider. See our credit score and credit reporting guide for more information. Also, if you're already paying off a phone you may be flagged as a higher risk customer.
SIM Only Mobile Plans NZ

Check the promotion and special offer details

There is no point signing up to an offer that locks you in for 12 months if the offer pricing or bonus data/minutes only applies for the first 3 months. Check out exactly what you’re paying over the entire contract period.
SIM Only Mobile Plans NZ

Pick a SIM Only plan that offers the allowance you NEED

Don’t overpay for things you don’t need. If you have internet at home and don’t watch TV on your phone, it’s unlikely you’ll need 10GB of data and unlimited minutes. 
SIM Only Mobile Plans NZ

You'll need to have an unlocked phone

Check your phone, as some phones from Spark, One NZ, Skinny and 2degrees will be SIM-locked to their networks. You can find out if the phone is locked by putting a SIM from another provider. To unlock your phone, you’ll need an IMEI number - you can find it by dialling *#06# on most phones or look for it on the label in the battery compartment, or on the box the phone came in.

Each provider’s website gives guidance about unlocking a phone, which is free if your phone is out of contract, or around $30 if it’s in a contract. Phones bought from overseas or via Trade Me will specify if they are unlocked or locked, so always buy an unlocked phone to save any hassle and extra costs.
SIM Only Mobile Plans NZ

Check the signal strength where you live and work

There is no point picking a provider if it doesn’t work in your lounge or bedroom. These links just need your address to show if you’ll get 3G, 4G or 5G
  • Spark Coverage (includes Skinny network)
  • 2 Degrees Mobile Coverage (includes Warehouse Mobile, Slingshot and Kiwi Mobile networks)
  • One NZ Coverage (includes Farmside, Kogan and Mighty Mobile, Contact and Rocket Mobile networks)
SIM Only Mobile Plans NZ

Switching from a contract to a SIM deal? Tell your current service provider ASAP!

Monthly plans usually require notice a month in advance, so as soon as you know you’re leaving the plan, advise your provider. You will have to pay the final month’s bill, so it’s best to buy the new provider’s sim first and organise your new deal to start as your current provider’s billing month finishes, therefore avoiding being stranded and paying twice for two plans at changeover time. 
SIM Only Mobile Plans NZ

Keeping your number is easy

Once you have a new provider’s SIM, you can submit a change of number request online via their website. It’s usually processed in one or two working days and you can call the new provider’s support team if you have any issues. 
sim-only plans NZ

Our Comparison - Finding You the Best Deal for Your Needs

As explained in our summary, we analysed 60+ SIM-only plans available in New Zealand offered by 11 different providers (2degrees, Contact, Farmside, Kogan, Kiwi Mobile, Mighty Mobile, One NZ (previously Vodafone), Skinny, Spark, Slingshot and Warehouse Mobile). We found that there was no real difference in prices between pre-paid and monthly plans. The only exception was for annual pre-paid plans, which offered savings of over 10% versus the same plan when pre-paid in monthly instalments.

Our methodology
Different people have different needs in terms of data and minutes for calls, so there’s no one-size-fits-all plan that can be singled out as the best option for everyone. Instead, we have looked at the characteristics of each plan and specifically the amount of data per month compared to their monthly price to assess if plans are good value or not. Our comparison process was as follows:
  • First, we categorised the type of user the plans are aimed at, based on their data needs. We defined Low users as those that need less than 4GB per month, Medium users as those that need between 4GB and 8GB and High users as those that require more than 8GB per month.
  • Plans have different frequencies, they can be billed every 7, 14, 28, 30 or 365 days. To compare them on an even basis, we divided the cost of the plan by the number of days (cost per day) and then multiplied this by 30 to arrive at a monthly price. We did something similar for the data limit, so we could look at the “Data per month” that would apply over a 30-day period.
  • Some plans offered additional data like 8GB upon sign up (Skinny), or 1GB of data for social media apps (Spark, “socialiser data”). We prorated these one-off  allowances and added them to the “Data per month” mentioned before.
  • For plans that provide unlimited data, we used 150GB as the data allowance for our monthly data calculation.
  • Finally, we used the Ratio of “Price per month to Data per month”, and sorted all plans based on this ratio. A lower ratio indicates better value.
  • For each user category (Low / Medium / High), we looked at the average Price/Data Ratio and rated each plan’s value as “Good”, “Average” or “Below Average”.
  • We also include details about each plan, like if it offers endless data, hotspot/tethering capabilities or 5G coverage.
  • We have not applied any promotional discounts or temporary offers, but where possible we have listed their existence. We have also not deducted from the monthly cost the value of benefits in kind like Spotify subscriptions.
  • We have included Kiwi Mobile in this comparison with different estimated data limits. As our dedicated guide explains, their plan is unique as they only have one "endless" plan and the user selects if they want to navigate at a low speed for the same price or go up to the next tier of consumption and pay a premium per day. For our comparison, we used the rates a user would pay for navigating at maximum speed for the following data limits: 5GB, 10GB, 20GB, 40GB and 100GB. Please note that the prices could be lower if the user chose to navigate at lower speeds or if they reached tier thresholds at a slower pace  

With this information, we have picked the plans that we consider are the best plans in each category, but we present all the plans we evaluated and whether or not we consider them good value. 

Best SIM Only Phone Plans NZ

Best SIM Only Phone Plans

Once you know which network(s) cover your home and work locations, and you know how much data you’ll need, look for the best deals that fit this. We present the results of our analysis below and highlight the plans we consider would be the best buys. We categorised users by their data needs as follows:
  • Low users: data consumption below 4GB
  • Medium users; data consumption between 4GB and 8GB
  • High users: data consumption above 8GB
 
As 4G covers around 95% of Kiwi homes and workplaces, all the below best buys come with 4G data (unless otherwise stated) and 5G where available.

1. Low Users

For light users who want the convenience of a reasonable data limit and enough minutes, these plans provide up to 3GB data per month. 

Our favourite SIM-only plans for low users (below 4GB of data per month) are the following:
2Degrees 3GB Carryover data
Warehouse $25 Combo 3GB Rollover Data
Skinny 1.5 GB Rollover Data
25
25
17
30 days
28 days
28 days
2degrees Mobile
Warehouse Mobile
Skinny Mobile
3 GB data/month
3 GB data/month
1.5 GB data/month
250 minutes
Unlimited minutes
200 minutes
7.5 Gb Rollover data when signing up
 
 
  • One-month rolling contract.
  • Tethering is permitted within your data allowance.
  • You can keep your existing number
  • 2Degrees may increase the price at any time
  • You'll need to pass the credit check to get the plan
  • No contracts, just top up when you need to – unused credit (but not data or text/phone packs) rolls for 90 days
  • Tethering is permitted within your data allowance.
  • You can keep your existing number
  • Warehouse Mobile may increase the price at any time
  • No credit check required, and you can be online in minutes with a new SIM.
  • Uses a 0284 number
  • 28 day rolling contract.
  • Tethering is permitted within your data allowance.
  • You can keep your existing number
  • Skinny may increase the price at any time
  • You'll need to pass the credit check to get the plan
  • There is no top up - when you sign up for Skinny, you register your credit or debit card allowing you to buy plans and add-ons by using your card, without having to top up.
These are all the plans we analysed the for this category, sorted by the amount of data they provide. We indicate in the last column if we consider they provide good value or not.
ProviderPlan NameData Limit (in Gb)Minutes Price DaysEndless Data?Hotspot?5G?Network ProviderMoneyhub Evaluation
Skinny100MB Data 7-Days0.160 $5 7NoYesYesSparkBelow Average Value
2degrees150MB Carryover data0.15100 $8 30NoYesYes2degreesAverage Value
SparkPrepaid value pack $160.1525 $16 28NoYesUnspecifiedSparkBelow Average Value
Skinny250MB Data0.25100 $8 28NoYesYesSparkBelow Average Value
Warehouse Mobile$9 Combo 300MB Rollover Data0.3100 $9 28NoUnspecifiedUnspecified2degreesAverage Value
2degrees600MB Carryover data0.6100 $13 30NoYesYes2degreesAverage Value
2degrees1GB Carryover data1100 $11 14NoYesYes2degreesGood Value
OneNZPopular combo 1GB1100 $16 28NoYesYesOneNZBelow Average Value
Kiwi mobileChoice Lite Plan - Estimate for 1GB (endless)1Unlimited $0.59/day 30.24YesYesYes2degreesBelow Average Value
Warehouse Mobile$15 Combo 1.25GB Rollover Data1.25200 $15 28NoUnspecifiedUnspecified2degreesGood Value
Skinny1.5GB Rollover Data1.5200 $17 28NoYesYesSparkGood Value
SparkPrepaid value pack $201.5200 $21 28NoNoUnspecifiedSparkGood Value
KoganSmall (Annual)1.5Unlimited $160 365NoYesYesOneNZGood Value
2degrees1.5GB Carryover data1.5200 $19 30NoYesYes2degreesGood Value
KoganSmall (Monthly)1.5Unlimited $15 30NoYesYesOneNZAverage Value
OneNZPopular combo 1.5GB1.5200 $21 28NoYesYesOneNZAverage Value
Kiwi mobileChoice Lite Plan - Estimate for 1.5GB (endless)1.5Unlimited $0.89/day 30.24YesYesYes2degreesBelow Average Value
Kiwi mobileChoice Lite Plan - Estimate for 2GB (endless)2Unlimited $1.19/day 30.24YesYesYes2degreesBelow Average Value
2degrees3GB Carryover data3250 $25 30NoYesYes2degreesGood Value
Warehouse Mobile$25 Combo 3GB Rollover Data3Unlimited $25 28NoUnspecifiedUnspecified2degreesGood Value
OneNZPopular combo 3GB3300 $31 28NoYesYesOneNZAverage Value
SparkPrepaid value pack $313300 $31 28NoYesUnspecifiedSparkAverage Value
Kiwi mobileChoice Lite Plan - Estimate for 3GB (endless)3Unlimited $1.49/day 30.24YesYesYes2degreesBelow Average Value
Kiwi mobileChoice Lite Plan - Estimate for 4GB (endless)4Unlimited $1.79/day 30.24YesYesYes2degreesAverage Value


2. Medium Users

For users wanting 4GB to 8GB of data, we’ve selected below what we considered to be the best plans:
Kogan Mobile Medium Plan
(Annual or 30 day)

Warehouse Mobile
$35 Combo 6GB Rollover Data
Skinny 4GB Rollover Data
25
35
27
30 days
28 days
28 days
Kogan Mobile
Warehouse Mobile
Skinny Mobile
4 GB data/month
6 GB data/month
4 GB data/month
Unlimited minutes
Unlimited minutes
300 minutes
Save if you pay annually instead of monthly
 
 
  • 30 day rolling contract.
  • Top-ups of data are available, starting from 300MB
  • Tethering is permitted within your data allowance - more details are here.
  • You can keep your existing number per Kogan Mobile's guidance.
  • The plan price may increase at any time
  • No contracts, just top up when you need to – unused credit (but not data or text/phone packs) rolls for 90 days
  • Tethering is permitted within your data allowance.
  • You can keep your existing number
  • Warehouse Mobile may increase the price at any time
  • No credit check required, and you can be online in minutes with a new SIM.
  • Uses a 0284 number
  • 28 day rolling contract.
  • Tethering is permitted within your data allowance.
  • You can keep your existing number
  • Skinny may increase the price at any time
  • You'll need to pass the credit check to get the plan
  • There is no top up - when you sign up for Skinny, you register your credit or debit card allowing you to buy plans and add-ons by using your card, without having to top up.

Worth Considering: Kiwi Mobile
  • Kiwi Mobile offers maximum flexibility with no contracts, allowing you to only pay for the data you use each day. Our review explains more.
  • With both physical SIM and eSIM options, Kiwi Mobile provides seamless connectivity using the 2degrees network.
  • Kiwi Mobile offers an interesting alternative for those seeking flexibility, particularly those with varying data needs from month to month and that tend to use more than 5GB. Their plan tiers are "endless" which means the customer can keep using data after that threshold has been reached, or keep levelling up (to unlimited GB usage) at max speed data.
Visit Kiwi Mobile
Kiwi Mobile

These are all the plans we analysed the for this category, sorted by the amount of data they provide. We indicate in the last column if we consider they offer good, average or below average value:
ProviderPlan NameData Limit (in Gb)Minutes Price DaysEndless Data?Hotspot?5G?Network ProviderMoneyhub Evaluation
SparkPrepaid value pack $262250 $26 28NoYesUnspecifiedSparkGood Value
KoganMedium (Annual)4Unlimited $250 365NoYesYesOneNZGood Value
Skinny4GB Rollover Data4300 $27 28NoYesYesSparkGood Value
KoganMedium (Monthly)4Unlimited $25 30NoYesYesOneNZGood Value
2degrees4.5GB Carryover data4.5300 $35 30NoYesYes2degreesAverage Value
SparkPrepaid value pack $414.5400 $41 28NoNoUnspecifiedSparkAverage Value
ContactSmall5Unlimited $35 30YesYesYesOneNZAverage Value
Kiwi mobileChoice Plan - Estimate for 5GB (endless)5Unlimited $1.30/day 30.24YesYesYes2degreesAverage Value
2degrees5GB Carryover data5300 $40 30NoYesYes2degreesBelow Average Value
Slingshot5GB Carryover data5300 $40 30NoUnspecifiedUnspecified2degreesBelow Average Value
FarmsideEndless Mobile Lite Plan 5 GB5Unlimited $45 30YesYesUnspecifiedOneNZBelow Average Value
Spark5GB Endless Plan $455Unlimited $45 30YesYesUnspecifiedSparkBelow Average Value
Warehouse Mobile$35 Combo 6GB Rollover Data6Unlimited $35 28NoUnspecifiedUnspecified2degreesGood Value
OneNZEndless Starter6Unlimited $50 30YesYesYesOneNZBelow Average Value


3. High Users

Our favourite plans for high data users, who need above 8GB of data per month, are the following:
Mighty mobile Fast plan (10Mbps)
(Monthly)
Mighty mobile Faster plan (50Mbps)
(Annual or Monthly)
Rocket Starter (2 Mbps) [Previously MyRepublic]
40
50
30
30 days
30 days
30 days
Mighty Mobile
Mighty Mobile
Rocket Mobile
Unlimited data at 10 Mbps
Unlimited data at 50 Mbps
Unlimited Data at 2Mbps
Unlimited minutes
Unlimited minutes
Unlimited minutes
Save if you pay annually instead of monthly,
Other plans available with higher speeds.
Save if you pay annually instead of monthly,
Other plans available with higher speeds.
 
  • This is a new challenger in the mobile phone market and offers high-speed, unlimited browsing at great prices.
  • Tethering is permitted within your data allowance.
  • You can keep your existing number
  • This is a new challenger in the mobile phone market and offers high-speed, unlimited browsing at great prices.
  • Tethering is permitted within your data allowance.
  • You can keep your existing number
  • Open Contract.
  • 10GB of Hotspot data
  • Calls/SMSes to premium rate numbers (short codes) not available

Worth Considering: Kiwi Mobile
  • Kiwi Mobile offers maximum flexibility with no contracts, allowing you to only pay for the data you use each day. Our review explains more.
  • With both physical SIM and eSIM options,Kiwi Mobile provides seamless connectivity using the 2degrees network.
  • Kiwi Mobile offers an interesting alternative for those seeking flexibility, particularly those with varying data needs from month to month and that tend to use more than 5GB. Their plan tiers are "endless" which means the customer can keep using data after that threshold has been reached, or keep levelling up (to unlimited GB usage) at max speed data.
Visit Kiwi Mobile
Kiwi Mobile

Here is a summary of all the plans we analysed, we indicate in the last column if we consider they provide good, average or below average value:
ProviderPlan NameData Limit (in Gb)Minutes Price DaysEndless Data?Hotspot?5G?Network ProviderMoneyhub Evaluation
2degrees3.5GB Carryover data3.5150 $19 14NoYesYes2degreesBelow Average Value
2degrees7GB Carryover data7250 $24 14NoYesYes2degreesBelow Average Value
OneNZPopular combo 8GB8100 $41 28NoYesYesOneNZBelow Average Value
Skinny20GB Endless Data 7-days10Unlimited $20 7YesYesYesSparkBelow Average Value
Skinny10GB Endless Data10Unlimited $40 28YesYesYesSparkBelow Average Value
2degrees10GB Carryover data10Unlimited $45 30NoYesYes2degreesBelow Average Value
Kiwi mobileChoice Plan - Estimate for 10GB (endless)10Unlimited $1.60/day 30.24YesYesYes2degreesBelow Average Value
2degrees10GB Carryover data10Unlimited $50 30NoYesYes2degreesBelow Average Value
Slingshot10GB Carryover data10Unlimited $50 30NoUnspecifiedUnspecified2degreesBelow Average Value
SparkPrepaid value pack $5110500 $51 28YesYesUnspecifiedSparkBelow Average Value
KoganLarge (Annual)15Unlimited $330 365NoYesYesOneNZAverage Value
KoganLarge (Monthly)15Unlimited $35 30NoYesYesOneNZBelow Average Value
Warehouse Mobile$45 Combo 15GB Rollover Data15Unlimited $45 28NoUnspecifiedUnspecified2degreesBelow Average Value
FarmsideEndless Mobile Regular Plan 15 GB15Unlimited $65 30YesYesUnspecifiedOneNZBelow Average Value
Slingshot16GB Carryover data16Unlimited $60 30NoUnspecifiedUnspecified2degreesBelow Average Value
ContactMedium20Unlimited $45 30YesYesYesOneNZBelow Average Value
Kiwi mobileChoice Plan - Estimate for 20GB (endless)20Unlimited $1.90/day 30.24YesYesYes2degreesBelow Average Value
KoganExtra Large (Annual)32Unlimited $490 365NoYesYesOneNZAverage Value
KoganExtra Large (Monthly)32Unlimited $55 30NoYesYesOneNZAverage Value
2degrees40GB Carryover data40Unlimited $34 14YesYesYes2degreesAverage Value
Skinny40GB Endless Data40Unlimited $50 28YesYesYesSparkAverage Value
Kiwi mobileChoice Plan - Estimate for 40GB (endless)40Unlimited $2.00/day 30.24YesYesYes2degreesAverage Value
FarmsideEndless Mobile Premium Plan 40 GB40Unlimited $70 30YesYesUnspecifiedOneNZAverage Value
2degrees50GB Carryover data50Unlimited $60 30NoYesYes2degreesAverage Value
OneNZEndless Plus50Unlimited $70 30YesYesYesOneNZAverage Value
ContactLarge75Unlimited $60 30YesYesYesOneNZAverage Value
Spark75GB Endless Plan $6575Unlimited $65 30YesYesUnspecifiedSparkAverage Value
2degrees80GB Carryover data80Unlimited $65 30NoYesYes2degreesAverage Value
SparkPrepaid value pack $8180Unlimited $81 28YesYesUnspecifiedSparkAverage Value
Kiwi mobileChoice Plan - Estimate for 100GB (endless)100Unlimited $2.10/day 30.24YesYesYes2degreesAverage Value
Slingshot100GB Endless100Unlimited $75 30NoUnspecifiedUnspecified2degreesAverage Value
Spark150GB Endless Plan $75150Unlimited $75 30YesYesUnspecifiedSparkGood Value
2degreesUnlimited Carryover data150Unlimited $85 30YesYesYes2degreesGood Value
Rocket MobileRocket Starter (2Mbps)UnlimitedUnlimited $30 30YesYesYesOneNZGood Value
Mighty mobileFast plan (10Mbps) (Annual)UnlimitedUnlimited $399 365YesYesYesOneNZGood Value
Mighty mobileFast plan (10Mbps) (Monthly)UnlimitedUnlimited $40 30YesYesYesOneNZGood Value
Rocket MobileRocket (10Mbps)UnlimitedUnlimited $40 30YesYesYesOneNZGood Value
Mighty mobileFaster Plan (50Mbps) (Annual)UnlimitedUnlimited $499 365YesYesYesOneNZGood Value
Rocket MobileRocket Plus (40Mbps)UnlimitedUnlimited $45 30YesYesYesOneNZGood Value
Mighty mobileFaster Plan (50Mbps) (Monthly)UnlimitedUnlimited $50 30YesYesYesOneNZGood Value
Mighty mobileFastest Plan (MAX Speed) (Annual)UnlimitedUnlimited $799 365YesYesYesOneNZGood Value
Rocket MobileRocket Max (Max Speed)UnlimitedUnlimited $70 30YesYesYesOneNZGood Value
SkinnyUnlimited DataUnlimitedUnlimited $70 28YesYesYesSparkGood Value
2degreesUnlimited Max Speed dataUnlimitedUnlimited $80 30YesYesYes2degreesGood Value
Mighty mobileFastest Plan (MAX Speed) (Monthly)UnlimitedUnlimited $80 30YesYesYesOneNZGood Value
OneNZOne PlanUnlimitedUnlimited $85 30YesYesYesOneNZGood Value
SparkUnlimited Data Plan $90UnlimitedUnlimited $90 30YesYesUnspecifiedSparkGood Value
SparkUnlimited Data Netflix Plan $95UnlimitedUnlimited $95 30YesYesUnspecifiedSparkAverage Value

mobile network TDR complain

Complain about your network using the Telecommunications Dispute Resolution (TDR)

Telecommunications Dispute Resolution (TDR) deals with complaints from consumers about any product or service provided by their telecommunications company. As the customer of a New Zealand network, you have the right to make a complaint. It's a free and independent service, but you will need to follow their process to progress a complaint.

Before you complain, you'll need to raise the issue with your network directly via their complaints form or customer service team
  • Once you have done this, you must wait for a response.
  • The network will respond, but if you are unable to agree with their response and your complaint becomes deadlocked, after six weeks has passed you can raise a complaint with the TDR.

The process of complaining with TDR is outlined here. Their helpful FAQs outline what you can expect, and case studies about recent complaints about telecommunication companies in general. The process is impartial, and once a decision is made, Your network will (usually) abide by the ruling should it be in the wrong.

Related guides:
  • Best eSIM Options and Plans
  • Roaming Plans
  • ​Credit Scores and Credit Checks
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          • Lighthouse Financial Services Review
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            • Shares vs Property Investment
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        • Investment Scams
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        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
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    • Alternative Investments and Trading
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      • Guides
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        • Guides
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          • Decentralised Finance
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          • Other Coins
            • How to Buy Ripple in New Zealand
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Students Insurance
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      • Health Insurance
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  • Credit Cards
    • Best Credit Cards
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      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Reviews
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        • 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
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        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • RewardPay Review
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    • Guides
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  • Travel Money Cards
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    • Travel Money By Country
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  • Banking & Savings
    • Banking
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      • Open an Australian Bank Account from New Zealand
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    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
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    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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  • Mortgages
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      • Revolving Credit Mortgages
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      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • First Home Loan Guide
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      • Lifetime Home Review
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      • 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
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      • Mortgage Break Fees
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      • Negative Equity
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    • Mortgage Brokers
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      • Trusted Auckland Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
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    • Selling a Home
      • How to Sell Your House Privately
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      • Bridging Finance
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    • Building a House
      • NZCB Review
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      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
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      • 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
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    • KiwiSaver Contributions & Tax
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      • What's My PIR?
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    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First Home Grant Guide
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    • KiwiSaver Schemes
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      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
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      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
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      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
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      • Pathfinder KiwiSaver Review
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      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
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      • Prospa Business Loans Review
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    • Business Insurance
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    • PAYE & Taxes
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    • Business Calculators & Resources
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      • Digital Identity Programs and Online Verification Tools
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      • PayPal NZ Account Fees
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    • For Startups
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  • MSD
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    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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  • Motoring
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      • Turners Cars Review
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      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
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      • Gaspy App Review
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      • Best Car Batteries
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
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    • Air New Zealand Specific
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      • Air New Zealand Koru Membership Review
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    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
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      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
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      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
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    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • Orcon Broadband Review
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      • Skinny Review
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      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
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