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
        • Cove Car Insurance - Real Customer Reviews & Facts
        • 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
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • 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
      • Attending the Singapore FinTech Festival
  • 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
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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Best Bank Accounts for Kids

We list the best bank accounts offering big interest on small balances, encouraging kids to save rather than spend.
Best Kids Bank Accounts New Zealand
​​Updated 5 July 2025
​​
Opening a savings account for your kid is a great way to teach money management skills and start him or her on the way to financial success. The best savings accounts for kids have high interest rates and few fees — like the best savings accounts for adults. They also have tools for parents to help their kids set goals and watch their money grow.​

But perhaps even more important than interest rates is the issue of access and control of the money. There have been many instances where children get control of their bank account and spend haphazardly while their parents know nothing. Buying a car on Friday and crashing it on Sunday is a recent example, as is withdrawing $2,000 and leaving it on a bus. To best protect you and your child from unwise spending or mishaps, make sure you understand the approval process for withdrawals and how much access and account information you will have. We explain this in more detail below. 

Summary of Kids Bank Accounts
  1. All banks offer a fee-free account. This means no monthly account fees, free New Zealand ATM withdrawals and teller deposits. 
  2. Interest rates range from 0% to 2.50%+ p.a., indicating a significant range in benefits and features.
  3. Generally, children under 7 years of age won't be given a debit card or EFTPOS card, and some banks restrict this to those under 12 years of age. 
  4. Beyond the issue of interest is the issue of control of money. Parents have a range of access options, and the ability to see the child's transactions in real-time. Having your child's bank account linked to yours means you can monitor the transactions and track their movements. But, if you approve them to be 'Independent', you won't have any access to their bank account transactions.
  5. There have been many instances where children get control of their bank account and spend haphazardly without parental knowledge. To best protect you and your child from unwise spending, make sure you understand the approval process for withdrawals. 

​Our guide covers:
  • Four Must-Know Kids Bank Account Facts
  • Best Kids Bank Accounts
  • Frequently Asked Questions​​
Warning: Read This First - A MoneyHub user describes losing access to her son's bank account transactions by permitting him to be 'independent'

Our son had a linked account to my Westpac account from about the age of seven. This worked well - I could virtually track where he was - Burger King, the dairy or wherever. When he was 13, he wanted to open up his own bank account with ANZ. I had to sign the permission forms, and when they said 'do you want him to be independent?', I said yes. A week after he joined up with ANZ, he decided to stop using his Westpac card and move everything to ANZ. I was accustomed to knowing exactly what was going in and out of his account, but now I had no access, let alone account and transaction visibility. We lost control of him afterwards for a little while, and not having insights into his spending made us worry more. 

Knowing what I now know, I would not recommend giving a young child such independence. At the time I thought he could do no wrong, but that's wasn't to be. You have to maintain a relationship with your teen too, so it is a difficult one to go back on after you give up the banking authority!
- Katie, Auckland  
​

Best Kids Bank Accounts New Zealand

Four Must-Know Kids Bank Account Facts

Every bank offers kids bank accounts, but what they offer ranges. Use the tips below to find the best option for your son or daughter:
  1. To encourage savings, get the best interest rate - some banks offer next to 0%, others offer between 1% and 4%. When kids see interest earned on their savings and paid into their account, it encourages them to save more.
  2. Understand that parental access is important, so make sure you have the right level - if you open the account solely in your child's name and sole control, you won't be required to give approval for withdrawals as they are the only person the bank needs to hear from. This means your child has free reign, which may be too much too soon. If this the case, make sure the account has some restrictions on independence, or set yourself up as a co-signatory.
  3. Don't have a branch nearby? You can act as the bank - time-saving parents direct pay pocket money etc into their children's bank account, rather than visit a branch. They also convert piggy bank savings to bank deposits. This makes visiting a bank branch far less necessary.
  4. Don't forget to switch when your child is over 18 or 19- some banks will start charging account holders as soon as they become an adult - avoid this by looking at student bank accounts or best bank accounts.

Know This: If you have a child and want to combine a bank account with pocket money and financial literacy, we suggest considering SquareOne. This New Zealand-based app launched in 2021 and offers specific benefits for children and their parents - our review has more details.
​

Best Kids Bank Accounts New Zealand

Top Kids Bank Accounts

Every bank in New Zealand offers a specific bank account for children, but the benefits and access levels for parents vary. We've ranked the best bank accounts below.
Co-operative Bank Best Kids Bank Accounts New Zealand
The Co-operative Bank Youth Account - Best Interest Rate  
  • Benefits – No transaction, account or service fees, 3.30% p.a. interest on balances up to $4,000 and a range of parental access options make The Co-operative Bank’s Youth account the best kids’ bank account option currently available.
  • EFTPOS and Debit Cards: EFTPOS cards are available from age 7, with adult signatory’s consent. Debit Mastercard is available to customers aged 15 or over and a parent or guardian must complete an indemnity form.
  • Account balance interest? Yes – 3.30​% p.a. on balances of $0 - $4,000. For every $1 above $4,000, the interest rate is 0.95% p.a. Interest is calculated daily and paid monthly
  • Minimum age: None; there are two accounts - Dollars and Sense account (for 0-12 year olds) and the Dosh account (for 13-17 year olds).
  • Does the account have an app? Yes - The Co-operative Bank's app is downloadable for iOS or Android.
  • Branches?  Limited - see this list for current locations
  • Know more or sign up: Visit The Co-operative Bank's Youth Accounts for more information
Heartland Best Kids Bank Accounts New Zealand
Heartland Bank Direct Call Savings Account
  • Benefits: Heartland has one of the best reputations for paying above-market interest on savings. Their Direct Call Saving Account doesn't offer a debit or EFTPOS card, but it's a perfect place for children to save. Heartland allows unlimited withdrawals to one nominated account which does not need to be a Heartland bank account.
  • EFTPOS and Debit Cards: None 
  • Parent Access: None 
  • Account balance interest? Yes - 2.55% p.a. on any balance. Interest is calculated daily and paid monthly
  • Minimum age: None
  • Does the account have an app? Yes - Heartland Bank's app is downloadable for iOS (rated 2.3/5) or Android (rated 2.7/5).
  • Branches? Limited - see this list for current locations
  • Know more or sign up: Visit Heartland Savings Accounts for more information
  • Important: As stated above, Heartland account doesn't offer a debit card so account holders will need to select another bank account if they want to make withdrawals and/or use a debit or EFTPOS card. 
Westpac Best Kids Bank Accounts New Zealand
​Westpac Youth Account​ - Best Parental Access Options
  • Benefits: Free fees, reasonable interest and robust levels of parental access options make Westpac's Youth Account options popular with kids and parents alike. To encourage responsible spending (as well as saving), an EFTPOS card can be only issued with the parents’ or guardians' permission for any child under 16. 
  • EFTPOS and Debit Cards: EFTPOS cards are available from age 12 (with parental approval), with a Debit card available from age 16. Until the age of 12, children can only operate savings accounts.
  • Parent Access: Westpac explains it best:
  1. For kids under 12: Parents have full control of the account
  2. For kids 12 - 15: Parents have the option to give the child responsibility of the account, but can also retain access.
  3. For kids 16+: Teens can open their own account without parent permission, but parents can also have access.
  • Account balance interest? Yes - 0.55% p.a. base rate for Simple Saver savings account, and with 2.25% p.a (0.10​% p.a base interest rate plus 2.15% p.a. bonus interest rate) for Westpac Bonus Saver account. The bonus rate will incur if on the last business day of the month, the account balance is $20 greater than on the last business day of the month prior. For example, if your balance was $560 on Friday March 31 and $600 on Monday April 30, the bonus interest would be earned. The $20 excludes interest earned on the account. 
  • Minimum age: None; there are two accounts - Westpac Bonus Saver and Simple Saver, and children over 12 have the option to apply for an EFTPOS card and open an Everyday banking account.
  • Does the account have an app? Yes - Westpac's app is downloadable for iOS (rated 2.4/5) or Android (rated 3.5/5).
  • Branches? Around 150 - see this list for current locations
  • Know more or sign up: Visit Westpac Youth for more information
TSB Best Kids Bank Accounts New Zealand
TSB ​Youth Account​
  • ​​Benefits: Free fees and interest, with a fully transactional account for kids 7 and older. 
  • EFTPOS and Debit Cards: EFTPOS cards are available to parents/guardians of the account for child when below 7 years of age. From age 7, EFTPOS cards are issued either to the child or parent.
  • Parent Access: For children under 7, accounts are set up under a parent or guardian or in the child’s name. For children 7 and older, accounts can be set up under a parent or guardian or in the child’s name.
  • Account balance interest? Yes - 1.95% p.a. Interest is earned monthly and paid quarterly.
  • Does the account have an app? Yes - TSB's app is downloadable for iOS (rated 3.4/5) or Android (rated 3.8/5).
  • Branches? Limited - see this list for current locations
  • Know more or sign up: Visit TSB Youth Account for more information
3.95

Best of the Rest - Interest earning (and zero interest earning) kids bank account options:

The list below shows options from traditional banks, which includes specific savings account for children.
ASB Best Kids Bank Accounts New Zealand
ASB Headstart Kid’s Bank Account (Savings only)
Interest rate: 2.70% p.a
More details: Accounts for kids
ANZ Best Kids Bank Accounts New Zealand
ANZ Serious Saver Account​ (Savings only)
Interest rate:
3.75% p.a
Premium Interest: 0.45% pa - you need to make no withdrawals and deposit $20 or more on or before the last business day of the month.
More details: Accounts for kids
BNZ Best Kids Bank Accounts New Zealand
BNZ YouMoney for Kids
Interest rate:
0% p.a
More details: Accounts for kids
Kiwibank Best Kids Bank Accounts New Zealand
Kiwibank Free Up Account
Interest rate:
0% p.a
More details: Kiwibank Kids Account
Disclaimer: We have excluded the fee-free Kids Saver Account from Unity Money because Unity Money is not a registered bank.
​

Best Kids Bank Accounts New Zealand

Kids 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.

What do I need to open a bank account for my child?

  1. Depending on which bank you want to join, you will need to fill out forms or complete an application online.
  2. You may need to book an appointment at the bank before you visit - some banks require this (Kiwibank and Westpac being examples), whereas others don't.
  3. If you’re a new customer and you and your child don't have an existing relationship with the bank, you will need to bring ID and a proof of address (i.e. passport, driver's licence and energy bill).
  4. You will also need to bring the child's IRD number so that interest earnings are taxed at the right tax rate.

Should I open a kids account with my bank, or look elsewhere?

  • It's a common question, and we believe that picking the best kids bank accounts helps them to experience the benefits of saving and encourages good behaviour.
  • There is no better way to encourage great saving habits by opening up a bank account that pays a decent rate of interest on savings. Kids will be inspired to save knowing that their money can 'work for them' year after year. If the best account isn't currently offered by your bank, your child is still eligible to open an account.
  • The worst type of kids bank account is one which has a near-to 0% interest rate, and sadly, many do. For example, a 0.05% p.a. interest rate on a $500 balance would earn 20 cents a year (after tax), hardly inspiring to any child and unlikely to encourage good savings habits. 

Will I, as a parent, need to give permission for a withdrawal to be made?

It depends on what the terms and conditions of the bank account are. Parents can do any one of the following:
  1. Open an account solely in their kids' names, or
  2. Open an account with themselves as sole signatories. or
  3. Open an account with themselves and the child as joint account holders, or
  4. Open an account in their own names but on the understanding that the money is for a child.

If you are followed option 2, 3 or 4, you have control and will need to approve any withdrawal. But if your child has sole control (as the case is in option 1), they can do whatever they want with the money, whenever they like, without warning.

Who owns the money in my child's bank account?

In general, the account holder owns the funds in an account. Per the Banking Ombudsman: 
  1. If an account is in a child’s name, the child owns the funds.
  2. If a parent and a child are joint account holders, the parent and child are joint owners of the funds.
  3. If a parent is a signatory to an account, but not an account holder, the parent does not own the money (although he or she has control over how the account is operated while still a signatory).
  4. A child who is the sole account holder can, on reaching 18, change or remove the signatories and operate the account alone. 

Issues often arise when there is family separation and one parent becomes unable to access their child's bank account. This can see money go missing or be transferred without prior discussion, which can create tension.

Does my child need a transaction account and a savings account, or just one?

It depends on the savings goals, but in most cases having both accounts helps with saving goals. Westpac, for example, offers two savings accounts - the Westpac Bonus Saver and Westpac Simple Saver. Once a child turns 12, they have the option to apply for an EFTPOS card, but to do this they need to open an Everyday banking account.
Best Kids Bank Accounts New Zealand

What is the minimum age for kids to get an EFTPOS card or Debit card?

It depends on the bank. For example, ASB makes Visa Debit cards available to customers over 13 years of age. Kiwibank restricts access to ​those less than 15 years of age.

Do kids pay tax on interest earnings?

Yes - every New Zealand resident pays tax on interest earnings. To ensure your child pays the right amount of tax, you'll need to register them with the IRD and provide the bank with their IRD number.

Are international fees waived for kids like other bank fees are?

No - making a purchase in a foreign currency, or withdrawing from an ATM, will incur standard bank charges. Our guide to overseas bank fees for debit cards explains these in detail.

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 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.

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 on its official number. 

Related Kids Bank Account Guides

  • Banking Ombudsman on Accounts for Kids (external website)
  • Student Bank Accounts
  • Money Guide for Kids
  • Money Guide for Parents
  • Student Jobs Guide
  • SquareOne Review
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      • Reviews & Policy Comparisons
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    • Compare Pet Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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      • Depositor Compensation Scheme (DCS) Explained
    • Savings
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Alternative Mortgage Options
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      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • NZCB Review
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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    • Hotels & Dining
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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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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
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      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
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      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
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      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
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      • Stealth Wealth
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      • Dental Costs
      • Charities in New Zealand
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
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      • Financial Freedom by 50
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      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
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      • Hosting International Students
      • How to Sell on Fiverr
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
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      • Buy Books Online
      • Black Friday New Zealand Deals
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    • Living Essentials
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    • Senior Living
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Mattresses
      • Best Slow Cookers
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      • Best Ride-On Lawn Mowers
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      • Best Meat Thermometers
      • Best Printers
      • Best Computer Desks
      • Best Antivirus, Anti-Malware and Internet Safety Habits
      • Best VPN Services
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      • Best Wifi Extenders
      • Best Electric Scooters
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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      • Fridge Repair Auckland
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