MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • 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
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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Best eSIM Options and Plans - The Definitive New Zealand Guide

Our guide explains eSIM technology, which kinds of devices are equipped with eSIM chips, examples of how this technology can be useful and which mobile networks in New Zealand support eSIM devices.
eSIMs NZ Explained
Updated 17 December 2024
Summary:
  • An eSIM is an electronic SIM card embedded within a device's hardware rather than a physical card that can be removed and inserted into a device.
  • Because the eSIM is not a physical card, it doesn't need to be swapped or replaced when switching mobile providers; this can all be done with a few clicks on the device.
  • Depending on your device, you may be able to have more than one SIM and/or eSIM profile(s) active at the same time.
  • Only Spark, One NZ and 2Degrees support eSIM technology in New Zealand. Spark is the only one to offer plans for wearable technology (smart watches with eSIMs), but other providers plan to start offering this service shortly.
  • Are you travelling overseas? This guide isn't for you. We suggest reading trusted guides such as the best eSims for international travel and best eSim providers, which list options for anyone travelling in Asia, North America and Europe.
  • Do you want to migrate from a SIM card to an eSIM? Spark, One NZ and 2Degrees will make the switch for you in any one of their stores. The activation is free of charge.
 
Our guide covers the following:
  • What is an eSIM?
  • What should I consider when getting an eSIM Plan?
  • eSIM Networks and Plans Available in New Zealand
  • Pros and Cons of eSIMs
  • Frequently Asked Questions

Know This First: Who would find an eSIM useful?
  • Travellers: eSIMs are ideal for frequent travellers who need to switch between different networks and plans when visiting different countries. With an eSIM, they can activate a new plan and avoid having to purchase a physical SIM card every time they arrive in a new location.
  •  Internet of Things (IoT) devices: eSIM technology is well-suited for (IoT) devices, such as smart home appliances, wearables, and connected cars. eSIMs can enable these devices to be always connected to a mobile network without requiring a physical SIM card.
  • Business users: eSIMs can be useful for businesses with a large number of employees who need to be connected to a mobile network. With eSIM technology, companies can provision multiple devices with the same network and plan, making it easier to manage their mobile communications.
  • Remote workers: eSIMs are ideal for remote workers who need to be connected to a mobile network but do not want to be tied to a particular network or plan. With an eSIM, they can easily switch between different networks and plans without having to purchase a physical SIM card or change their device.

Revolut: Our Leading eSim, Travel Money & Data Roaming Solution Working in 100+ Countries

  • Revolut stands out as a top travel money service, comparable to Wise, but with an added advantage – exceptional eSIM data roaming options.
  • For those with an eSIM-enabled phone, Revolut offers highly affordable and reliable roaming data plans to keep you connected wherever your travels take you. You'll pay a set fee for 1GB, 3GB, 5GB or whatever you need. Our research team has used it, and we're big fans.
  • Best of all, you avoid the fear of having a big bill or the hassle of buying a local SIM. Revolut lets you top up 24/7, even if you run out of data and don't have WiFi to connect to.
  • You can use Revolut as a travel money card and a robust and reliable roaming solution, with roaming costs seamlessly deducted from your Revolut balance for instant, hassle-free service.
  • Overall, we believe Revolut's roaming offers exceptional value across 100+ countries and provides a far superior solution to any local roaming 'deal' on offer.
  • Important to Know: Some phones, particularly older models, do not support eSIMs. You can check this in the Revolut app, where 'eSIM' may still appear as an option. However, if you click on it and it states your phone doesn’t support eSIMs, this means you won’t be able to use eSIM roaming offers from any providers. In this case, you’ll need to rely on roaming options from your NZ network or purchase a local SIM.
Revolut Roaming Review NZ
Visit Revolut

What is an eSIM NZ

What is an eSIM?

  • An eSIM is a virtual SIM card that has been pre-installed within a device's hardware. Unlike a regular SIM card, an eSIM cannot be removed from the device. Instead, it is programmed with the necessary information that is required to connect to a mobile network.
  • This information is stored in the device's memory and can be updated “over-the-air” (OTA), the process of remotely activating an eSIM card without the need for a physical SIM card.
  • With an OTA eSIM activation, the user can simply scan a QR code or enter an activation code provided by their mobile network operator into their device to download the eSIM profile. This eliminates the need for physically inserting a SIM card into a device.
  • The OTA process also enables users to switch mobile network operators and download multiple eSIM profiles on a single device without needing to physically change SIM cards.

What’s the difference between eSIM and eSIM profile?

  • An eSIM, or Embedded SIM, is a small electronic chip that is embedded directly into a device, such as a smartphone or a smartwatch, and is used to store subscriber identity and network credentials. It is an alternative to the traditional physical SIM card, which is inserted into a device's SIM card slot.
  • An eSIM profile, on the other hand, is the digital profile that is downloaded onto the eSIM chip in order to activate a mobile plan. The eSIM profile contains the subscriber's network credentials, such as phone number, data plan, and other subscription details, which are stored in the eSIM chip.
  • In other words, an eSIM is the physical hardware component that stores the digital eSIM profile, which contains the user's subscription details. The eSIM profile is what allows the user to activate a mobile plan on their eSIM-enabled device without the need for a physical SIM card.
  • Important: Not all devices are compatible with eSIM technology, and not all mobile networks offer eSIM plans. If you're considering an eSIM plan, you should check with your network and device manufacturer to ensure compatibility.

What devices use eSIM technology?

Not all phones offer eSim technology. However, many devices now support this technology, including (but not limited to):
  • Apple iPhones: All iPhones released since the iPhone XR support eSIMs.
  • Google Pixel phones: Google Pixel phones released since the Pixel 2 support eSIMs.
  • Samsung Galaxy phones: Samsung Galaxy phones released since the Galaxy S20 support eSIMs.
  • iPad: All iPad models released since the 3rd generation support eSIMs.
  • Apple Watch: All Apple Watch models released since the Series 3 support eSIMs.
  • Samsung Galaxy Watch: 4G and later
  • Huawei: P40 Pro
  • OPPO: X3 Pro, X5 and X5 Pro

If you have another device, we suggest Googling "(device make and model) + esim" to see if you can use an eSim.

Best eSim Plans and What to Consider NZ

What Should I Consider When Getting an eSIM Plan?

Just as you'd select a phone network, an eSim is not different. Here are some factors to keep in mind:
  1. Network coverage and reputation: Make sure that the network you're considering has good network coverage in the areas where you'll be using your device. Check their coverage maps as a starting point, and reviews from other users to see how satisfied they are with the network's service will give you an insight to how reliable the service is.
  2. Data speeds: If you'll be using your device for data-intensive activities like streaming or video conferencing, make sure that the network offers fast data speeds in your area (e.g. 4G or 5G).
  3. Plan pricing: Compare the pricing of eSIM plans from different networks to ensure you're getting a good value. Look for hidden fees or charges that could add up over time.
  4. Plan flexibility: Make sure that the network offers plans that are flexible enough to meet your needs; for example, plans that allow you to adjust your data allowance or other features as needed.
  5. Activation process: Check the network's activation process to make sure it's easy and straightforward. Some networks may require you to visit a store in person to activate your eSIM, while others may allow you to activate your plan remotely.
  6. Device compatibility: Ensure your device is compatible with the network's eSIM technology. Some networks may only support eSIMs on certain devices, so it's essential to check before signing up for a plan.

Revolut: Our Leading eSim, Travel Money & Data Roaming Solution Working in 100+ Countries

  • Revolut stands out as a top travel money service, comparable to Wise, but with an added advantage – exceptional eSIM data roaming options.
  • For those with an eSIM-enabled phone, Revolut offers highly affordable and reliable roaming data plans to keep you connected wherever your travels take you. You'll pay a set fee for 1GB, 3GB, 5GB or whatever you need. Our research team has used it, and we're big fans.
  • Best of all, you avoid the fear of having a big bill or the hassle of buying a local SIM. Revolut lets you top up 24/7, even if you run out of data and don't have WiFi to connect to.
  • You can use Revolut as a travel money card and a robust and reliable roaming solution, with roaming costs seamlessly deducted from your Revolut balance for instant, hassle-free service.
  • Overall, we believe Revolut's roaming offers exceptional value across 100+ countries and provides a far superior solution to any local roaming 'deal' on offer.
  • Important to Know: Some phones, particularly older models, do not support eSIMs. You can check this in the Revolut app, where 'eSIM' may still appear as an option. However, if you click on it and it states your phone doesn’t support eSIMs, this means you won’t be able to use eSIM roaming offers from any providers. In this case, you’ll need to rely on roaming options from your NZ network or purchase a local SIM.
Revolut Roaming Review NZ
Visit Revolut

Best eSIM Plans NZ

eSIM Networks and Plans Available in New Zealand

Before joining any network, please check the coverage to make sure the reception is adequate for your needs:
  • Spark Coverage
  • One NZ Coverage
  • 2Degrees Coverage
Spark esim

Spark

​Spark was the first mobile network in New Zealand to support eSIM devices and is currently the only one with plans for wearable devices. Spark offers specific plans for wearable devices, all of which are charged monthly and offer unlimited data (with some limits in speed).
  • One Number Wearable Plan – For Apple Watch, you need to have a qualifying mobile plan for your iPhone. This plan shares SMS and minutes with the primary phone plan.
  • Endless Wearable Plan – For Samsung watch, provides unlimited SMS texts to NZ mobiles, and unlimited minutes to Spark mobiles and NZ landlines. Setting up the watch requires a phone that is connected to the Spark network.
 
As well as their wearable plans, Spark supports eSIMs for mobiles and tablets through their plans, serving personal, business and government customers.
 
Spark has put together a list of devices that are compatible with their eSIM plans, but they also have a disclaimer that they can “only guarantee eSIM works on a device purchased from Spark”.  
One NZ esim

One NZ (previously known as Vodafone)

​Starting in 2023, One NZ supports eSIM devices through their various plans. If your mobile has an eSIM, you can simply sign up for a plan through their website, they’ll email you a QR code and you can activate your profile on your phone without having to visit the store. At the moment, One NZ only supports eSIMs in mobiles and tablets but they plan to introduce plans for wearable devices later this year. 
2degrees esim

2degrees

2degrees also supports eSIM devices, but not wearables at the moment. They have plans with limited and unlimited data, and with eSIMs, they can be purchased and activated remotely using a QR code.

Revolut: Our Leading eSim, Travel Money & Data Roaming Solution Working in 100+ Countries

  • Revolut stands out as a top travel money service, comparable to Wise, but with an added advantage – exceptional eSIM data roaming options.
  • For those with an eSIM-enabled phone, Revolut offers highly affordable and reliable roaming data plans to keep you connected wherever your travels take you. You'll pay a set fee for 1GB, 3GB, 5GB or whatever you need. Our research team has used it, and we're big fans.
  • Best of all, you avoid the fear of having a big bill or the hassle of buying a local SIM. Revolut lets you top up 24/7, even if you run out of data and don't have WiFi to connect to.
  • You can use Revolut as a travel money card and a robust and reliable roaming solution, with roaming costs seamlessly deducted from your Revolut balance for instant, hassle-free service.
  • Overall, we believe Revolut's roaming offers exceptional value across 100+ countries and provides a far superior solution to any local roaming 'deal' on offer.
  • Important to Know: Some phones, particularly older models, do not support eSIMs. You can check this in the Revolut app, where 'eSIM' may still appear as an option. However, if you click on it and it states your phone doesn’t support eSIMs, this means you won’t be able to use eSIM roaming offers from any providers. In this case, you’ll need to rely on roaming options from your NZ network or purchase a local SIM.
Revolut Roaming Review NZ
Visit Revolut

Best eSIM Plans NZ Pros and Cons

Pros and Cons of eSIMs

Pros:

  • No physical SIM card: eSIMs eliminate the need for a physical SIM card, making it more convenient for users to switch networks or devices.
  • Multiple profiles: eSIM technology enables users to store multiple profiles on their devices, allowing them to switch between networks or plans without having to swap SIM cards.
  • Remote provisioning: eSIMs can be provisioned remotely, eliminating the need for a physical SIM card to be shipped to the user.
  • Greater security: eSIM technology is more secure than regular SIM cards, as it is more difficult to clone or steal an eSIM.

Cons:

  • Limited availability: eSIM technology is still relatively new and is not yet widely available.
  • Compatibility issues: Some devices may not support eSIM technology, which can limit the user's options.
  • Dependence on technology: eSIMs rely heavily on technology, which means that they are vulnerable to issues such as software bugs, network outages, and hacking.
  • Network lock-in: When networks lock their eSIMs to their own network, eSIM technology can make it more difficult for users to switch networks.

Best eSIM Plans NZ FAQs

Frequently Asked Questions

What is an eSIM?

​An eSIM is an electronic SIM card that is embedded within a device's hardware, rather than being a physical card that can be removed and inserted.

How are eSIMs different from regular SIM cards?

The most obvious difference between an eSIM and a regular SIM card is the physical format. A regular SIM card is a small plastic card that can be removed from a device and inserted into another device, whereas an eSIM is embedded within the device's hardware. eSIMs are also programmable, which means that they can be updated over-the-air, whereas regular SIM cards cannot be updated remotely.

How do eSIMs work?

eSIMs store the information required to connect to a mobile network in the device's memory, which can be updated over the phone.

What are the benefits of using an eSIM?

Some benefits of eSIMs include greater convenience, improved security, the ability to store multiple profiles on a single device, and remote provisioning.

Can I use an eSIM with any network?

This depends on the network and device. Some networks may lock their eSIMs to their own network, and some devices may only support certain networks.

Can I use an eSIM with multiple networks?

Yes, eSIMs can store multiple profiles, allowing users to switch between networks or plans without swapping physical SIM cards.

What devices support eSIM technology?

​Many smartphones, tablets, and smartwatches now support eSIM technology, including Apple iPhones, Google Pixel phones, Samsung Galaxy phones and watches, Huawei phones, iPads, and Apple Watches.

How do I activate an eSIM?

The activation process for an eSIM varies depending on the device and network. Some networks allow users to activate an eSIM online, while others require a physical visit to a store.

Is eSIM technology secure?

​Yes, eSIM technology is more secure than regular SIM cards, as it is more difficult to clone or steal an eSIM.

Can I transfer my eSIM to another device?

​Yes, if the new device supports eSIM technology and is compatible with the network.

Do eSIMs have a phone number?

​Yes, eSIMs are assigned a phone number, just like regular SIM cards.

Can I use eSIMs internationally?

​Yes, eSIMs can be used internationally, but roaming charges will almost certainly apply.

Can eSIMs be hacked?

​While eSIM technology is generally more secure than regular SIM cards, it is not immune to hacking.

Can I use an eSIM and a physical SIM card at the same time?

​Some devices support dual-SIM technology, allowing users to use an eSIM and a physical SIM card simultaneously.

How do I remove an eSIM from a device?

​Since eSIMs are embedded within the device's hardware, they cannot be physically removed. However, you can easily activate and deactivate eSIM profiles with a few clicks.
​eSIM technology is likely to become more widespread in the future, as more devices and networks adopt this technology.

Revolut: Our Leading eSim, Travel Money & Data Roaming Solution Working in 100+ Countries

  • Revolut stands out as a top travel money service, comparable to Wise, but with an added advantage – exceptional eSIM data roaming options.
  • For those with an eSIM-enabled phone, Revolut offers highly affordable and reliable roaming data plans to keep you connected wherever your travels take you. You'll pay a set fee for 1GB, 3GB, 5GB or whatever you need. Our research team has used it, and we're big fans.
  • Best of all, you avoid the fear of having a big bill or the hassle of buying a local SIM. Revolut lets you top up 24/7, even if you run out of data and don't have WiFi to connect to.
  • You can use Revolut as a travel money card and a robust and reliable roaming solution, with roaming costs seamlessly deducted from your Revolut balance for instant, hassle-free service.
  • Overall, we believe Revolut's roaming offers exceptional value across 100+ countries and provides a far superior solution to any local roaming 'deal' on offer.
  • Important to Know: Some phones, particularly older models, do not support eSIMs. You can check this in the Revolut app, where 'eSIM' may still appear as an option. However, if you click on it and it states your phone doesn’t support eSIMs, this means you won’t be able to use eSIM roaming offers from any providers. In this case, you’ll need to rely on roaming options from your NZ network or purchase a local SIM.
Revolut Roaming Review NZ
Visit Revolut

Related Guides:
  • ​SIM Only Mobile Plans
  • Apple Watch Buying Guide

Important: Are you heading overseas with an eSim, and do you need Travel Insurance? Too many New Zealanders take the risk and travel without it. Our Compare Travel Insurance guide helps you find affordable coverage from trusted insurers with a history of paying claims. We also compare by country to help you make finding what you need easier: 
  • Australia and the Pacific: Australia, Fiji and Rarotonga
  • Asia: Bali, China, India, Japan, Malaysia, Singapore, South Korea, Thailand and Vietnam
  • Americas & Africa: Canada, Peru, South Africa and USA
  • Europe: France, Greece, Italy and the UK
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  • Credit Cards
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    • Reviews
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        • Qantas Credit Cards
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  • Banking & Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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  • MSD
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  • Motoring
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  • Law
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  • Travel Insurance
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
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      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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      • Graduating Without a Job
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  • Financial Independence
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  • Life Essentials
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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    • Hamilton Trade Services
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