MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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Best Bank Accounts - June 2025

Our must-read guide compares the fee-free, low overdraft and interest-earning bank accounts offered by ANZ, ASB, BNZ, Kiwibank, Westpac, Heartland, TSB, SBS and more. We outline the best bank accounts currently available.
Compare Bank Accounts NZ
Updated 5 July 2025
Know this first: Per the New Zealand Bankers Association, switching banks is safe, easy and fast. Specifically:
  1. Your new bank can take care of everything in five working days. This process also links recurring payments, such as direct debits and automatic payments, to your new bank account number. Your new bank can do all that for you, through a single form. It’s the fastest switching in the world.
  2. If you're unhappy with your current account, this guide outlines the best bank accounts currently available.

Summary of Best Bank Accounts
  • The general state of affairs for personal banking in New Zealand is simple:
  1. Most banks offer a fee-free account
  2. You won't earn any significant interest on a credit balance
  3. Overdraft interest rates vary from low to high; and
  4. The perks between banks are generally the same
  • A fee-free bank account means there is no monthly service charge. Additionally, all accounts include New Zealand ATM transaction fees, internet banking and electronic statements. If you're currently paying a monthly fee for your bank account, it is time to look at other options.
  • If you want 'traditional' banking services, such as paper statements and staff assistance to pay in cheques, then most banks will charge fees. In reality, we believe most New Zealanders can have fee-free banking unless unusual circumstances arise. 
  • The biggest banking expense outside of a mortgage or credit card interest is the cost of an overdraft. Interest rates can be a drain on savings and the biggest 'non-fee' expense of a bank account. We suggest comparing banks to get the best deal any time you're thinking of changing banks. 
  • When you move banks, you'll need to make sure your direct debits, automatic payments, and of course your salary payment details change. It's not as complicated as it sounds, and banks are used to dealing with it. ​
​
Our guide covers:
  • Best Fee-Free Bank Accounts
  • ​Best Bank Accounts that Pay Interest on Savings
  • Best bank Accounts for Overdrafts
  • Frequently Asked Questions​

Looking for the best debt card? Our dedicated debit card comparison has you covered.This process also links recurring payments, such as direct debits and automatic payments, to your new bank account number. Your new bank can do all that for you, through a single form.
Our Best Bank Account Picks:​
  • ​​Heartland Bank YouChoose ​- Best fee-free bank account that pays interest on savings 
  • Wise Bank Account - Best bank account for international currency transactions, exchange rates, free debit card and innovative app features
  • ​​Heartland Bank YouChoose  - Best bank account for overdrafts

Disclaimer: Wise is a non-bank payment provider.
  • It is not a bank, as regulated by law. This means a Wise account is, by definition, an "electronic money account" and not a bank account. It does, however, function in a similar way.
  • Because of its innovation around debit cards, apps, exchange rates and travel money, we are including Wise in this guide.
  • However, we remind users that a Wise account doesn't allow direct debits and overdrafts, nor does it pay any interest on deposits.

MoneyHub Founder Christopher Walsh shares his views on the best bank accounts available right now:

"The bank accounts offered by the big banks are not too exciting or innovative, but they are reliable and functional. They also offer debit cards you can use anywhere cards are accepted. While I'm not too fond of the fact that most big banks charge annual debit card fees, that is how it is. Their banking apps, customer support, security and reliability are generally indistinguishable. 

If you're looking for an alternative bank account, there is good news and options, and my family and I have taken advantage of them personally:
  1. For day to day banking, I use Kiwibank Free-up, which is your typical 'big bank' account offering automatic payments, direct debits and branches (should I need them). I also like the ease of moving money into high-interest call accounts. Many banks like Kiwibank offer a similar product and usually offer everything you need.
  2. Because I like to know where I spend money and detest ripoff bank foreign currency fees and bad exchange rates, I use the Wise Debit Card in New Zealand and overseas. It doesn't have any tricky fees - you pay a one-off NZ$14 (meaning no annual fees) for the card to be issued and posted to you, and then get the best exchange rates and pay very low foreign currency fees on each transaction. All New Zealand Dollar transactions are also free and unlimited. It also has an app so you can track your spending, which is very helpful. You can transfer NZD from your bank account to the card for free. The balance is yours to spend or withdraw as you please - every transaction will then be deducted in NZD at the best rates and lowest fees. Normally I wouldn't specify the product I use in MoneyHub guides, but the Wise card is so good I feel it's in everyone's interest to know about it.

Whatever you decide to do, if you are looking for a new bank account and/or debit card, I would also consider a budgeting app. Most integrate securely into your bank account to track where you spend and make the best decisions".
MoneyHub Founder Christopher Walsh
MoneyHub Founder Christopher Walsh

Video highlights of our guide: The video below explains the key details outlined in this guide, including standard 'big bank' accounts, innovative alternatives, must-know tips and leading products:

Our Top-Rated Account Options - Savvy and Wise

​Best Account for Interest Rates, Wealth Creation and Flexibility:
  • ​Savvy is a novel approach to managing your funds, blending everyday transaction ease with impressive returns. Unlike traditional bank accounts, which offer zero or low interest rates, Savvy isn't just a place to store your money; it's an investment in the Booster Savvy Fund, managed by Booster.
  • Booster is not a bank. This means a Savvy account is not a bank account. It does, however, provide transactional account functionality.
 
​What sets Savvy apart?
  1. High Returns: Enjoy a significant 3.25% p.a. return, reviewed monthly, with the potential for additional quarterly bonus returns.
  2. Instant Access: Withdraw your funds anytime, anywhere, with no penalty to the return you earn - a flexibility rare in the world of transaction accounts.
  3. Mastercard Debit Card: Thanks to the convenient Booster Savvy Card, your funds are always at your fingertips, usable throughout New Zealand and around the world wherever Mastercard is accepted.
  4. Payments: With Savvy you can make and receive payments to New Zealand bank accounts, set up automatic payments and use your card to pay subscriptions like Netflix or SkySport. Savvy does not allow Direct Debits however.
  5. Tax Efficiency: Structured as a PIE, Savvy is taxed at your PIR, capped at 28%, optimising your returns.
  6. Organise Your Funds: Savvy lets you divide your money into multiple 'stacks', automating your financial management plus it has savings tools and spending insights
  7. Digital First: Embrace the future with an app-based investment experience, available on both the App Store and Google Play.
  8. No Minimum Balance: Every cent in your account earns interest.
  9. 24/7 Access: The digital platform ensures that your funds are accessible anytime through the app and debit card, usable on the Mastercard network, EFTPOS and across ATMs.

Savvy arguably redefines how we think about money management, merging the convenience of a debit card with the benefits of an investment fund, all while offering impressive returns. It's a forward-thinking solution for those who want their money to work harder for them without sacrificing accessibility or ease of use.​

More details: Our Savvy Review explains the product in detail, as does the Savvy website.
Heartland Best Bank Account
Visit Savvy
Favourite Debit Card

Best Account for Spending and Sending Money Overseas:
Wise is the first 'electronic money account' to arrive in New Zealand. You won't be able to use it for direct debits or overdrafts, and it's doesn't pay interest on deposits either. It also doesn't offer phone banking. Instead, we see it as a "top up and use it to spend" card. In doing so, we argue Wise makes a useful 'secondary card' for specific needs such as spending securely in foreign currencies. 

​
We like Wise and its debit card because it lets you:
  1. Receive and make payments (you'll have your own New Zealand bank account number), or if you're paid in foreign currencies, you can set those up in your Wise account and receive payments.
  2. Spend abroad and online without hidden fees, and have an app that lets you track all your spending
  3. Go 'cardless' by connecting your Wise card to Apple Pay and Google Pay.
  4. No annual fees - order the card with a low one-off $14 card issue fee
  5. Going overseas? The card offers the best exchange rates and lowest currency conversion fees out of any debit card on the market in New Zealand. You can also convert and hold 54 currencies (and Wise uses the real exchange rate to convert).
  6. There may be fees for anyone who relies on physical cash - you can make two withdraws up to NZ$350/month in total (or the equivalent foreign currency) without any fees. However, after NZ$350, you will pay ATM fees (NZ$1.50/withdrawal) and a 1.75% commission. These fees are not charged when you use the card to pay online or in-store. For most people, physical cash is likely to be less secure, and since COVID card acceptance is near-universal.
  7. Overall, the Wise Debit Card doesn't have any tricky fees, and it is years ahead of other debit cards and is better than any other travel money card too. 

More details: Our Wise Debit Card Review explains the product in detail, as does the Wise website.
Wise Debit Card Review
Visit Wise
Favourite Travel Money Card

Four tips for finding your best bank account

Every bank offers current accounts, but they may not be right for you. Use the tips below to find your best option:
  1. If you're often in overdraft, find the bank accounts with the lowest overdraft charges - the interest rates vary between the banks.
  2. Interest-earning accounts do exist - If you have regular levels of savings but want access to your money, a bank account that pays interest is a good idea. Very few banks offer 'good' interest rates, but there are exceptions. 
  3. Identify the monthly account fees right away - generally, free is best, with most free fee accounts offering the same level of benefits.
  4. Know your banking needs - if you prefer to know you work or live close to a branch, factor that into your consideration.
​

Compare Bank Accounts NZ

Best Fee-Free Bank Accounts

Almost every bank in New Zealand offers a fee-free bank account option. You'll still pay overdraft interest and fees, as well as non-standard fees, unless otherwise stated, the accounts shortlisted below offer:
  1. No monthly account fee
  2. Free, unlimited transactions with your debit or EFTPOS card within New Zealand
  3. Free setup and processing of automatic payments and Direct debits and credits
  4. Free phone banking and banking app
Heartland Bank Best Bank Account

Heartland Bank YouChoose (our 'Best Fee-Free Bank Account' winner)

  • ​Benefits: No monthly account fees, unlimited withdrawals and deposits, unlimited use of your EFTPOS card. Like all other banks, YouChoose account does have fees for overseas transactions, replacement cards and recovery costs for unpaid debt.
  • Account balance interest? Yes - 0.50% p.a. on credit balances, paid monthly.
  • Overdraft available? Yes - 10% p.a. charged monthly.
  • Can I access my account with an app? Yes - Heartland Bank's app is downloadable for iOS (rated 4+/5) or Android (rated 4.2/5).
  • Branches? Limited - see this list for current locations
  • Know more or sign up: Visit Heartland YouChoose for more information
TSB best bank account

TSB Personal bank account

  • ​Benefits: No monthly account fees, unlimited withdrawals and deposits, unlimited use of your EFTPOS or Debit card. Unlike other bank offers, staff-assisted transactions (deposits, withdrawals etc) are also free of charge.
  • Account balance interest? Yes - on balances over $10,000
  • Overdraft available?  Yes - interest rates vary, see our overdraft guide.
  • Can I access my account with an app? Yes - TSB's app is downloadable for iOS (rated 3.4/5) or Android (rated 3.5/5).
  • Branches? Limited - see this list for current locations
  • Know more or sign up: Visit TSB Connect Plus Account for more information
Kiwibank best bank account

Kiwibank Free Up bank account

  • Benefits: No monthly account fees, unlimited withdrawals and deposits, unlimited use of your EFTPOS or Debit card.
  • Account balance interest? None.
  • Overdraft available?  Yes - interest rates vary, see our overdraft guide.
  • Can I access my account with an app? Yes - Kiwibank's app is downloadable for iOS (rated 3.8/5) or Android (rated 4.3/5).
  • Branches? Limited - see this list for current locations
  • Know more or sign up: Visit Kiwibank Free Up for more information
Westpac best bank account

Westpac Everyday bank account

  • ​Benefits: No monthly account fees, unlimited withdrawals and deposits, unlimited transactions with your EFTPOS or Debit card.
  • Account balance interest? None
  • Overdraft available? Yes - interest rates vary, see our overdraft guide
  • Can I access my account with an app? Yes - Westpac's app is downloadable for iOS (rated 4.6/5) or Android (rated 4/5).
  • Branches? Around 150 - see this list for current locations
  • Know more or sign up: Visit Westpac Everyday for more information
ANZ best bank account

ANZ Go bank account

  • Benefits: No monthly account fees, unlimited withdrawals and deposits, unlimited use of your EFTPOS or Debit card.
  • ​Account balance interest? None​
  • Overdraft available? Yes - interest rates vary, see our overdraft guide
  • Can I access my account with an app? Yes - ANZ goMoney app is downloadable for iOS (rated 3.1/5) or Android (rated 4.1/5).
  • Branches? 100+ nationwide see this list for current locations
  • Know more or sign up: Visit ANZ Go for more information​
ASB best bank account

ASB Streamline bank account

  • Benefits: No monthly account fees, unlimited withdrawals and deposits, unlimited use of your EFTPOS or Debit card.
  • ​Account balance interest? None​
  • Overdraft available? Yes - interest rates vary, see our overdraft guide
  • Can I access my account with an app? Yes - ASB's app is downloadable for iOS (rated 3.3/5) or Android (rated 4.1/5).
  • Branches? 100+ nationwide see this list for current locations
  • Know more or sign up: Visit ASB Streamline for more information
BNZ best bank account

BNZ YouMoney bank account

  • Benefits: No monthly account fees, unlimited withdrawals and deposits, unlimited use of your EFTPOS or Debit card.
  • Account balance interest? None​
  • Overdraft available? Yes - interest rates vary, see our overdraft guide
  • Can I access my account with an app? Yes - BNZ's app is downloadable for iOS (rated 4.8/5) or Android (rated 4.3/5).
  • Branches? 100+ nationwide see this list for current locations
  • Know more or sign up: Visit BNZ YouMoney for more information
SBS Bank best bank account

SBS Bank Everyday bank account

  • Benefits: No monthly account fees, unlimited withdrawals and deposits, unlimited use of your EFTPOS or Debit card.
  • Account balance interest? None​
  • Overdraft available? Yes - interest rates vary, see our overdraft guide
  • Can I access my account with an app? Yes - SBS's app is downloadable for iOS (rated 2.9/5) or Android (rated 2.2/5).
  • Branches? 14 nationwide - see this list for current locations
  • Know more or sign up: Visit SBS Bank Everyday account for more information
​

Compare Bank Accounts NZ

Best Bank Accounts that Pay Interest on Savings

Sadly, most major banks pay a paltry 0.05%, 0.10% or 0.25% on bank balances. Put simply, if you have an average of $1,000 in your current account, Westpac, BNZ and the likes will give a measly 50 cents or a dollar or two (before tax) each year. Challenger banks such as Heartland Bank offer more, in what we presume to be a drive to grow customer numbers. 
Picture

Best Option - Heartland Bank's YouChoose Account - Earn above-market interest on any balance over $0:

​Know more or sign up: Visit ​​Heartland Bank's YouChoose Account ​for more information.
Heartland Best Bank Account
Alternative: ​Best Account for Interest Rates, Wealth Creation and Flexibility:
  • ​Savvy is a novel approach to managing your funds, blending everyday transaction ease with impressive returns. Unlike traditional bank accounts, which offer zero or low interest rates, Savvy isn't just a place to store your money; it's an investment in the Booster Savvy Fund, managed by Booster.
  • Booster is not a bank. This means a Savvy account is not a bank account. It does, however, provide transactional account functionality, while paying 10X the interest rate Heartland's account does.

More details: Our Savvy Review explains the product in detail, as does the Savvy website.
​

Best Bank Accounts for Overdrafts

Best Bank Accounts for Overdrafts

Overdrafts are debts, and in many cases cost more than credit card debt. If you find yourself frequently overdrawn, your priority is to find a low-interest overdraft. Most banks aren't competitive with their overdraft offers, but challenger banks such as Heartland offer market-beating accounts.                                               
Picture

Best Option - Heartland Bank's YouChoose Account - Pay 10% p.a. on overdraft balances

Know more or sign up: Visit Heartland Bank YouChoose for more information
​

Compare Bank Accounts NZ

5 Must-Know Tips When Choosing a New Bank

MoneyHub New Zealand

Understand the availability of branches

Despite banking moving largely online, generally, 90% of people visiting a bank do so to make a deposit, withdraw cash or pay in a cheque. If you do this regularly, you’ll need a branch that’s convenient. The challenger banks, such as Heartland, TSB, SBS and Co-Operative, offer far fewer branches than the main banks, which can be a nuisance if and when you need to visit. In saying this, main banks routinely close branches to cut costs, so branch availability is never guaranteed.
 
Research in America highlighted that bank customers were the happiest when they had access to both digital and in-branch services. While you may believe you can do everything online or over the phone, having a convenient branch for backup can make sense. 
MoneyHub New Zealand

Be aware of the overdraft fees

It has never been better for New Zealanders to get fee-free accounts – almost every bank offers them. But it’s the hidden costs such as overdraft fees and interest rates that make some ‘free’ bank accounts far less competitive than others. What matters is the interest rate and the fees. Nothing else.
​
MoneyHub New Zealand

Don’t sign up for insurance products before comparing the alternatives

All too often banks promote their insurance products without encouraging shopping around. As banks are resellers from other insurers, they are often more expensive. Our insurance guides compare almost every insurance product so you can see if the bank’s quote is competitive. 
MoneyHub New Zealand

Download the bank app for easy insights into your money

The best way to manage your money is to make sure you can see how much you have. If your bank offers it, you can sign up for low-balance alerts via the app or website. 
MoneyHub New Zealand

Understand ALL of the fees you’ll pay for non-standard use

From our research:
  • Mastercard offer better FX rates than Visa
  • Banks charge different FX fees
  • Overdraft interest rates vary drastically between banks, and even between a bank’s customers
  • Banking apps have a range of reviews – know how your bank rates before joining
​

Best bank accounts

Frequently Asked Questions

We've listed a number of popular questions to make the decision process easier. If you're unsure about anything, ask the bank before going any further or signing up.

Know This First:
Banks possess varying credit ratings, which serve as indicators of the safety of your account. While the risk is low, for more information, refer to our comprehensive Bank Credit Ratings guide.

Can I still switch banks if I'm overdrawn?

Yes. Being in overdraft with one bank doesn't prevent you from signing up to another bank. However, if you're shifting your salary payments and direct debits to a new bank account, it is a good idea to focus on repaying the overdraft to minimise interest costs. 

Can I qualify for a 0% balance transfer credit card?

It depends on the bank offering the card - our guide to balance transfer credit cards explains what you need to know.

Can I spend on a credit card instead of withdrawing from my bank account?

Yes - many people do this daily, choosing to put expenses on a credit card and repay it at the end of the month. It's great to keep all of your expenses together, but it doesn't work if you have problems repaying the balance off in full. If you don't do this, credit card interest is incurred, and it can get expensive. Our guide to low-interest credit cards outlines some more affordable options.

Can I change the dates my bills get paid to help my money management?

It depends. For a mortgage or rent payments, talk to your bank,  landlord or property manager. Credit card due dates are usually fixed. If you are having problems paying bills on time, our debt help guide has solutions.

Can I switch banks if I have bad credit?

Yes, but each bank has its own assessment criteria. Our guide to credit scores outlines more about the process.

I applied for one of these accounts and got rejected. What can I do?

Banks usually won't disclose their application decision reasons, so your options are either apply for an account with another bank or stay with your current bank. 

How do I find my local branch?

The easiest way, beyond the bank's website, is to Google your bank's name and the area you live in. You'll get a Google map showing the branches around you as well as their opening hours.

How long does a cheque take to clear?

From the day it is paid in, usually 3-5 working days. Allow up to 5 to be safe.

What's the difference between a direct debit and automatic payment?

An automatic payment is a fixed recurring amount you set up to transfer out of your bank account every month or fortnight etc. A typical example would be a subscription, which is a fixed price, or rent to a landlord. A direct debit is payment taken out of your bank account because you authorised the recipient to do so. Direct debits are used when the amount varies each billing time. Examples include phone bills, power bills and internet/fibre bills.

When it comes to switching bank accounts and arranging new direct debits and automatic payments, per the New Zealand Bankers Association:
  1. Your new bank can take care of everything in five working days. This process also links recurring payments, such as direct debits and automatic payments, to your new bank account number. Your new bank can do all that for you, through a single form. It’s the fastest switching in the world.
  2. If you're unhappy with your current account, this guide outlines the best bank accounts currently available.

How long does it take for an EFTPOS card or debit card to arrive?

Among most New Zealand banks, the time is usually within five business days from the date your bank account was approved. Our dedicated debit card comparison explains more.

Are internet and mobile banking safe?

Yes - but as with anything online, protecting your details from fraud is essential. To do this:
  1. Never share or send your online/mobile banking information.
  2. If you use an app on your phone, make sure you regularly update it so that you have the latest security features.
  3. Delete any unusual emails about 'password recovery' or 'fraud alerts' - these are likely to be scams. If in doubt, contact your bank via their official number. 

Our Top-Rated Account Options - Savvy and Wise

​Best Account for Interest Rates, Wealth Creation and Flexibility:
  • ​Savvy is a novel approach to managing your funds, blending everyday transaction ease with impressive returns. Unlike traditional bank accounts, which offer zero or low interest rates, Savvy isn't just a place to store your money; it's an investment in the Booster Savvy Fund, managed by Booster.
  • Booster is not a bank. This means a Savvy account is not a bank account. It does, however, provide transactional account functionality.
 
​What sets Savvy apart?
  1. High Returns: Enjoy a significant 3.25% p.a. return, reviewed monthly, with the potential for additional quarterly bonus returns.
  2. Instant Access: Withdraw your funds anytime, anywhere, with no penalty to the return you earn - a flexibility rare in the world of transaction accounts.
  3. Mastercard Debit Card: Thanks to the convenient Booster Savvy Card, your funds are always at your fingertips, usable throughout New Zealand and around the world wherever Mastercard is accepted.
  4. Payments: With Savvy you can make and receive payments to New Zealand bank accounts, set up automatic payments and use your card to pay subscriptions like Netflix or SkySport. Savvy does not allow Direct Debits however.
  5. Tax Efficiency: Structured as a PIE, Savvy is taxed at your PIR, capped at 28%, optimising your returns.
  6. Organise Your Funds: Savvy lets you divide your money into multiple 'stacks', automating your financial management plus it has savings tools and spending insights
  7. Digital First: Embrace the future with an app-based investment experience, available on both the App Store and Google Play.
  8. No Minimum Balance: Every cent in your account earns interest.
  9. 24/7 Access: The digital platform ensures that your funds are accessible anytime through the app and debit card, usable on the Mastercard network, EFTPOS and across ATMs.

Savvy arguably redefines how we think about money management, merging the convenience of a debit card with the benefits of an investment fund, all while offering impressive returns. It's a forward-thinking solution for those who want their money to work harder for them without sacrificing accessibility or ease of use.​

More details: Our Savvy Review explains the product in detail, as does the Savvy website.
Heartland Best Bank Account
Visit Savvy
Favourite Debit Card

Best Account for Spending and Sending Money Overseas:
Wise is the first 'electronic money account' to arrive in New Zealand. You won't be able to use it for direct debits or overdrafts, and it's doesn't pay interest on deposits either. It also doesn't offer phone banking. Instead, we see it as a "top up and use it to spend" card. In doing so, we argue Wise makes a useful 'secondary card' for specific needs such as spending securely in foreign currencies. 

​
We like Wise and its debit card because it lets you:
  1. Receive and make payments (you'll have your own New Zealand bank account number), or if you're paid in foreign currencies, you can set those up in your Wise account and receive payments.
  2. Spend abroad and online without hidden fees, and have an app that lets you track all your spending
  3. Go 'cardless' by connecting your Wise card to Apple Pay and Google Pay.
  4. No annual fees - order the card with a low one-off $14 card issue fee
  5. Going overseas? The card offers the best exchange rates and lowest currency conversion fees out of any debit card on the market in New Zealand. You can also convert and hold 54 currencies (and Wise uses the real exchange rate to convert).
  6. There may be fees for anyone who relies on physical cash - you can make two withdraws up to NZ$350/month in total (or the equivalent foreign currency) without any fees. However, after NZ$350, you will pay ATM fees (NZ$1.50/withdrawal) and a 1.75% commission. These fees are not charged when you use the card to pay online or in-store. For most people, physical cash is likely to be less secure, and since COVID card acceptance is near-universal.
  7. Overall, the Wise Debit Card doesn't have any tricky fees, and it is years ahead of other debit cards and is better than any other travel money card too. 

More details: Our Wise Debit Card Review explains the product in detail, as does the Wise website.
Wise Debit Card Review
Visit Wise
Favourite Travel Money Card

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  • Banking & Savings
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    • Savings
      • Best Term Deposits
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
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    • Selling a Home
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    • Building a House
      • NZCB Review
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  • KiwiSaver
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      • KiwiSaver Must-Know Facts
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        • MAS Review
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  • Business
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    • For Startups
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  • Motoring
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      • Turners Cars Review
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      • Top Cars that Hold Their Value
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      • The Women's Guide to Buying a Car
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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  • Law
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  • Travel
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      • Moving to Australia
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    • Air New Zealand Specific
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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    • AMEX Airpoints Platinum Travel Insurance Review
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