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

Be aware: Trading foreign exchange is risky, complicated and, generally, unprofitable for part-time traders. Our guide explains everything you need to know
Forex Trading NZ
Updated 15 May 2025

Warning: Before we go further, please be aware that trading foreign exchange derivatives is incredibly risky, complicated and generally unprofitable for part-time traders. Our guide explains everything you need to know before deciding to take things further.

Looking to compare Forex Trading Platforms? Our MetaTrader 4 vs cTrader vs MetaTrader 5 vs Currenex Comparison has you covered.

​What is Forex Trading?

  • ​Forex (also known as foreign exchange or FX) involves buying and selling foreign currencies to make a profit. Unless you have reliable insights as to where foreign currencies are going, making money from FX is near-impossible in the long-run. This is because you’re trading alongside major investment banks, full-time FX traders and hedge fund managers. Even the most skilled and experienced traders struggle to predict FX movements.
  • Most guides on the topic of forex trading will begin with an overly simplistic analogy of describing a foreign exchange transaction as heading to your local bank or money change kiosk and exchanging New Zealand dollars for a foreign currency before heading off on holiday.
  •  Although technically when you swap one currency for another, whether it be at a bureau de change, your local bank, or an international money transfer service, it would be considered a foreign exchange transaction. However, it’s generally better to describe it as currency conversion (and not forex trading).
  • Understand that Forex, FX and foreign exchange are, for the most part, the same thing.
  • The terms forex, FX and foreign exchange are generally understood to describe products for speculating on the continually fluctuating exchange rates of foreign currencies, usually as derivatives where high leverage is involved.
  • The most common product used to speculate on the price of various currencies are CFDs. Other popular FX products are futures and options. These are complex products with high levels of risk associated with them. Online forex trading is highly regulated and incredibly easy for the average person to access in New Zealand and many other countries.

Forex trading - our warning
  • Forex trading has a reputation for being misrepresented as being a way to earn money quickly and easily online.
  • Unfortunately, in our view, that is a complete myth.
  • Trading forex is one of the most unpleasant ways to make money. Very few part-time 'traders' make any money. Many lose a lot.
  • Developing a successful system can take years of practice, full of ups and downs.
  • Many people are not built for the emotional toll involved in forex trading. The overwhelming majority of traders lose money in the long-run.

Forex Related Guides
We comprehensively cover Forex Trading. Our trusted guides incliude:
  • Forex Trading Platforms Comparison
  • Forex Trading Tools
  • Forex Trading Courses and Education
  • Forex Regulation
If you’re looking to convert currencies, we recommend reading our Wise international money transfer review or our guide to international money transfer options. If you’re interested in knowing more about contracts for difference (CFDs), read our Contracts for Difference (CFD) trading guide.

If you're interest in forex trading, our guide explains:
  • ​How Does Forex Trading Work?
  • Types of Forex Contracts
  • ​​Overview of Forex Trading Costs Using CFDs
  • Understand Margin, Leverage and Drawdown
  • Must-Know Foreign Currency Trading Facts
  • Where to Trade Forex in New Zealand

Know this first: Too many New Zealanders have been caught out by forex trading schemes that promised big profits but ended up with huge losses. The difficulties people face means no one wants to admit they made a mistake. Personal finance journalist Mary Holm is very cautious about forex trading, and we share her views. If forex trading were so lucrative, far more people would do it. The reality is that the road to foreign exchange trading riches is paved with significant losses, scams and frauds. Be very cautious about proceeding, especially when cooperating with third parties.

Looking to trade specifically in CFDs? This guide is not for you - our Contracts for Difference (CFDs) has you covered. 

Advertising Disclosure: We may earn a referral bonus for anyone that clicks on some of the below links - see our Advertising Policy for more details.

Trading NZ
Visit BlackBull Markets
Your free guide to foreign exchange trading, thanks to BlackBull Markets
  • BlackBull Markets is a multi-award-winning foreign exchange broker, founded, owned, and operated in New Zealand.​
  • BlackBull Markets provide retail investors with an institutional-grade trading experience by offering lightning-fast execution speeds and industry-leading low spreads from 0.0 pips. Their platform gives access to 300+ tradeable instruments including currency pairs, indices, gold, silver, and oil.
  • For more details, read our BlackBull Markets Review or visit their website.

How does forex trading work?

​How Does Forex Trading Work?

Forex trading is conducted using currency pairs, such as EUR/USD, NZD/USD or NZD/AUD. The pairs currencies are traded in are standardised.
 
In the simplest sense, to make money trading forex, you need to predict which of the two currencies in a trading pair will appreciate against the other. The rate changes because either one of the currencies appreciated, or one of them depreciated, or appreciation and depreciation occurred concurrently.
 
Here is a simple example, to start with:
  1.  You believe the US dollar (USD) will rise against the New Zealand dollar (NZD) within the next two hours
  2. Currently, the NZD/USD rate is 0.75
  3. You want to buy 1,000 NZD/USD, which means you have a position for US$750
  4. After two hours, the dollar has indeed appreciated. Now the NZD/USD rate is 0.725
  5. When converting the USD back into NZD, you’ll have NZ$1,034.48
  6. In this example, you would have made a profit of NZ$34.48
 
As stated, that was a simple example, resulting in a profit, which doesn’t always happen. Many more factors are involved in a forex trade, such as leverage, commissions, spreads, swaps, margin, and more. You’ll (generally) profit if you predict one currency will appreciative relative to another. You'll also lose money if the currency you believe will rise later falls. How much you lose depends on how much it falls before you decide to sell your position.

​Foreign exchange trading attempts to make a profit by predicting the value of one currency compared to another. Most foreign exchange traders run multiple trades at once and monitor the performance of all the positions to maximise the profits. However, the process is high risk. Furthermore, forex trades can be placed using a ‘margin’, which means you don’t invest the entire amount in each trade, but instead use your money as collateral and your losses may exceed your initial investment.

Types of FX Trading

Types of Forex Contracts

​As mentioned in the introduction, the three most popular methods to speculate on the foreign exchange market are contracts for difference (CFDs), futures and options. CFDs are the most popular, as they have the simplest settlement terms, do not have expiry dates to be concerned with, and are more flexible in terms of position sizing.

CFDs

CFDs let you speculate on a change in the value of a foreign exchange rate. You’re not buying the underlying asset (i.e., foreign currency), nor do you need to own either of the currencies involved in the trade, you’re merely betting on a movement in the price. If you expect the rate to increase, you enter a long (buy) position. Conversely, if you expect the rate to fall, then you enter a short (sell) position.

Your profit or loss is determined by the difference between your trade’s entry and exit price, multiplied by the size of your position. When you close the CFD, the difference between the entry price is settled immediately, by adding or removing funds from your account balance.​

Futures

Futures allow you to lock in a fixed rate for an asset you want to buy or sell at some point in the future (hence the name futures). Unlike a CFD, where you close the trade whenever you like at the current price when you trade futures, you predetermine the price and time you’ll close the trade unless you roll the contract over. Futures can be settled in cash, similar to a CFD. They also offer the option to receive a physical settlement.

Options

​Options allow you to speculate on whether a currency pair’s price will go up or down over a predetermined period. A ‘call’ option is equivalent to a long (buy) position, which is used when you expect the price to increase. A ‘put’ option is the equivalent of a short (sell) position, where you anticipate the price will fall. Options trading revolves around the concept of a premium, which determines how much you win or lose when the contract expires.

​The premium is based on the likelihood of your predicted outcome. If your contract expires in profit, also known as ‘in the money’, your profit is the premium. Moreover, you have the option (hence the name option) to take delivery of the underlying asset, i.e., the quote currency.

Forex Trading NZ

Overview of Forex Trading Costs Using CFDs

Forex trading is a cost-effective way to get considerable exposure to the currency markets. However, if you lose money, it can be very expensive. To explain the costs, we outline the fees you’ll pay to place trades with a broker. When it comes to CFDs, futures and options, our view is that CFDs have the simplest mechanics and the easiest to understand.

Commissions

  • The commission is a fee charged for opening and closing a position. Brokers show commissions in various formats. Some brokers charge ‘per lot’ while others charge ‘per million’.
  • A ‘lot’ is a unit of measurement, and generally the size of a whole contract. In forex, a lot is 100,000 units of the base currency. In the trading pair NZD/USD, one-lot is NZ$100,000. Most brokers allow you to trade mini lots (0.1 lots) and micro-lots (0.01 lots) which are equal to 10,000 and 1,000 units of the base currency.
  • If you place a trade for 0.5 lots, and the commission is US$5 per lot, you will pay US$2.5 to open the trade and US$2.5 to close the trade.
  • If the broker charges $30 per million, it means for every US$1 mil traded, you’ll pay fifty dollars. It is prorated for every trade you make, and the calculation is as follows:
  • 0.5 Lots (50,000) of NZD/USD @ 0.75 = US$37,500 /1mil *50 = US$1.875
  • Therefore, the commission charged to open the trade would be US$1.875. The commission will be charged again later when closing the trade; however, it could be more or less depending on the exchange rate and value of the position when closing.​

Spreads

The spread is the difference between the bid and the ask price. It’s considered a fee because brokers often mark-up on the wholesale rates they receive from liquidity providers. Spreads are important because the wider the spread, the further the price has to move before you reach break-even.

Swaps

Swaps are only charged if you hold a position overnight. In this case, overnight means 5 pm on the East Coast of the United States. When the New York trading session finishes, it’s considered the end of a trading day and any positions still open are rolled over to the following day.

How much will I pay?
​
Swap rates vary depending on currency pair, and whether a position is long (buy) or short (sell). The swap rate is derived from interest rate differentials between the two currencies. As interest rates change over time, so do the swap rates.

Margin and Leverage FX

Understand Margin, Leverage and Drawdown

Leverage is the fundamental characteristic that makes forex trading so appealing and dangerous.
​

Leverage
When trading forex, many brokers provide leverage up as high as 1:500. Essentially what this means is your buying power can be multiplied by five-hundred. While that sounds extraordinary, it can be catastrophic if not used responsibly.

Margin
When you open a position in your trading account, part of your balance is reserved as margin and reduces your buying power. How much margin is needed depends on how much leverage is being used and the size of the position. The higher the leverage, the lower the margin requirements.

Drawdown
Drawdown is essentially unrealised losses, that would only become losses if you close the position and the price doesn’t move in your favour. Drawdown is important because it consumes the margin used to keep your position open. If the sum of the drawdown and margin used to maintain the position falls below a certain level, the position will be forcibly closed.

Calculating margin requirements of a forex trade

  1. Suppose you’re opening a 1-lot (100,000) long position for NZD/USD with 1:200 leverage and the entry price is 0.75650.
  2. The notional value of the position is US$ 75,650 when divided by 200; the amount of margin needed to open the position is US$378.25.
  3. Now suppose the price falls to 0.7490 (75 pips), the notional value of the position falls to US$74,900, therefore representing an unrealised loss of US$750.
  4. The margin available in the account will therefore be depleted by US$1,128.25 (750+378.25)​

How a forex CFD trade works

When you trade forex, there are always two prices, a bid and ask price. When you go long, i.e., place a buy order, you’re trading against the ask price, as it’s the price the broker is asking you to pay. Whereas when you go short, i.e., submit a sell order, you’re trading against the bid price, as it’s the price the broker is bidding to buy from you at.

It’s a bit confusing as the bid and ask price is from the context of the broker rather than you as the trader. It’s not something significant to be concerned with as most trading platforms adjust the jargon by showing only ‘buy’ and ‘sell’ prices.

There is almost always a gap between the bid and ask prices, which as stated earlier, is known as the spread. As you buy in the ask and sell on the bid, should you open a position and immediately close it without the prices changing, you would be at a loss; hence why the spread is considered a cost.

Example
Here is an example showing the mechanics of a long and short forex transaction for 0.5 lots (50,000) of NZD/USD. It consists of an opening order and a closing order:
Forex Trading
​The following properties have been used:
  1. Leverage: 1:200
  2. Contract Size = 100,000 NZD
  3. Commission = $5 per Lot
  4. SWAP Long = -0.17 pips
  5. Swap Short = -0.2 pips

From this diagram, you should notice the following:
  • With leverage of 1:200, only 0.5% of the contract’s notional value is required as margin to maintain the position.
  • The position was held for two days. Therefore, swaps were charged on both positions. It’s typical for different rates to be applied to long and short positions.
  • A forex CFD position consists of two trades, opening trade and a closing trade, hence why a commission is charged twice.

The profit and loss of the two CFDs were calculated in the following way:
  • Long trade: (36,470.5 - 36,106.5) - 2.5 - 2.5 - 0.85 - 0.85 = US$ 357.3
  • Short trade: (36,481.5 - 36,093) + 2.5 +2.5 +1 +1 = (US$ 395.5)

Important: The losing trade loses more than profitable trade earns due to spreads and fees. The fees reduce profits and increase losses.

Is forex trading for beginners?

We don’t think so. Any FX trader will need to have the experience to know when to place and how to manage trades. It means having a thorough understanding of risk management and reliable technical analysis methodologies, which comes from practice, rather than just studying. For every trade made, there is always a winner and a loser. Consider that you’re competing in a market place with banks, market makers, and major financial institutions that ultimately have superior insights and experience than the average at-home trader/investor.
 
The Financial Markets Authority has a published detailed guide on forex trading. We agree with their sentiments about the high-risk nature and the regular occurrence of scams. For this reason, we can’t identify forex trading in any form as suitable for part-time investors or traders.

Trading NZ
Visit BlackBull Markets
Your free guide to foreign exchange trading, thanks to BlackBull Markets
  • BlackBull Markets is a multi-award-winning foreign exchange broker, founded, owned, and operated in New Zealand.​
  • BlackBull Markets provide retail investors with an institutional-grade trading experience by offering lightning-fast execution speeds and industry-leading low spreads from 0.0 pips. Their platform gives access to 300+ tradeable instruments including currency pairs, indices, gold, silver, and oil.
  • For more details, read our BlackBull Markets Review or visit their website.

Forex Trading NZ

Must-Know Foreign Currency Trading Facts

MoneyHub

​Exchange rates are unpredictable, volatile and movements are near-impossible to pre-empt

Within a day, forex prices can move significantly. For example, the USD/JPY pair regularly moves swings as much as 100 pips per day, and the NZD/USD pair regularly moves more than 50 pips per day. The larger your position, the larger impact small movements can have on your margin.
 
Ask yourself this – do you know where the value of the USD against the EUR will be in two days? If you don’t know (or don’t have any idea about why exchange rates are moving), getting into forex trading is unlikely to be a good idea.
MoneyHub

Forex trading is not the same as investing in an asset like shares

Unlike investing in assets like shares, where your profit and loss correlate to the share price, if your forex trade is too large, the market may only need to move one cent to wipe out your entire trading account balance.
 
The forex markets can move against you abruptly, and there is limited protection to counter significant price moves. Most forex platforms offer stop-loss orders, which allow you to specify a price where your position should automatically close to limit further losses, but they do not guarantee your position will be closed at the set price. Some brokers offer a guaranteed stop-loss function, which ensures the price your trade will close at, regardless of market conditions. However, there is usually an additional fee for this type of stop-loss.
MoneyHub

The internet is full of forex scams and frauds

You will see adverts on many notable online publications, including Stuff.co.nz and NZHerald.co.nz, which trick Google and publishers to promote their ‘too good to be true’ offers. YouTube is also awash with ‘gurus’ promising riches with minimal investment. If you sign up for the paid programs or platforms, there is a high risk you’ll lose 100% of your investment. They exist to make money from aspiring (but inexperienced) traders. If you sign up to a program or platform, make sure you're 100% certain of what's involved, how it works and how much you can lose.
MoneyHub

(It's likely) no one you know has experienced a long-term forex trading success

We believe the ‘riches’ so often advertised are a myth (or, at best, greatly exaggerated) for the average do-it-from-home forex trader. Every trade has a winner and a loser, and when you’re playing against banks, hedge funds and professional traders, it’s easy to see who will lose.
MoneyHub

​Forex platforms can disappear overnight (and take your money with them)

Anything outside of New Zealand is usually NOT covered by any legal protection. Many forex operations are based in countries that offer limited or questionable legal protection. Countries to be wary of are call centres from Albania, Georgia, Romania, or companies incorporated in Seychelles, St. Vincent & the Grenadines, the Dominican Republic. However, there are many more hotbeds for running forex trading scams. Forex trading is risky enough without the added concern of unregulated and unscrupulous brokers. 
MoneyHub

​Many forex seminars, programs and courses continue to cheat New Zealanders

​During your quest to become a competent forex trader, you are more than likely to stumble upon various courses, seminars, e-books, mentors and more. Such 'opportunities' may be in-person or online, and tease you with claims like “learn millionaire forex trading strategies for $50” and “our online trading course gives you the skills for unlimited profits”. The reality is that participants will be hard-sold. Generally, we’re very negative about the promoters of FX education and tools. In most cases we see them advertised to mum and dad-type investors with the promise of enormous riches and treasures despite the audience having little or no experience with what they’re trading and how it will make (or lose) money. Worst still is the upfront course or coaching fees charged; $3,000 or even $7,000 is not unusual to learn the “techniques”.

We believe such courses offer very little to aspiring traders, other than a fast way to lose a lot of money. It’s arguable that if FX trading was so profitable for the promoters, why are they wasting time marketing to wannabe traders? That’s not to say everyone in this business is doing it to swindle aspiring traders. Trading is emotionally and psychologically draining, and experienced traders sometimes need to take a break from the pressure.

We firmly believe that courses or platforms advertising too good to be true products and promising riches from forex trading should be avoided and reported to the FMA.
 
Remember – no person, program or tool can guarantee profits. Risk is inherent to forex trading; if there is a chance to make money, it means there is a chance to lose.
MoneyHub

​If you do want to trade, do thorough checks before depositing $1

It’s very easy to get sold into opening a forex trading account by a smooth-talking salesperson. First of all, an ethical broker should not convince you a product is suitable if you’re unsure. Aggressive sales tactics are a red flag.
 
Check the company you’re interacting with is licensed to offer derivatives trading. Best case they are licensed by the FMA. Keep in mind that if you trade with a regulated broker overseas, for example, a UK broker regulated by the FCA, if something goes wrong, you won’t be covered by their investor compensation scheme. The FMA regularly publishes warnings about scams targeting New Zealanders. You can also search the name of any broker on the FMA website to see if they are licensed or have any warnings against them.
 
When depositing to a broker you’ve never used before, do a test run first. Deposit the smallest possible amount, then withdraw it. The objective is to see if the broker presents any obstacles and to test how smooth the process goes.

Forex Trading NZ

Where to Trade Forex in New Zealand

All of the brokers listed below offer risk-free, no-obligation demo forex trading accounts for you to try for an unlimited period. Unless you’re already an active forex trader looking for a different broker to trade with in New Zealand, we do suggest you open a live trading account. However, we would encourage you to open a demo trading account and start learning what forex trading entails. By doing this, you don't risk any money and can determine, over the course of your activity, whether this is an activity you'd like to be a part of long-term.

Warning: The list of brokers below is not an endorsement, nor do we recommend their products or services in any shape or form.
Picture

Blackbull Markets

Blackbull Markets was founded in 2014 and is incorporated, licensed and operated in New Zealand. The company offers forex trading on MetaTrader 4 and MetaTrader 5, the two most popular trading platforms. The company keeps customers' funds at ANZ bank, which implies a high level of security. Unfortunately, BlackBull Markets only offers a demo trading account for thirty days. 
Jarden Forex Trading

Jarden

Jarden is a New Zealand based and licensed broker which offers several different investment products and access to various markets. Jarden provides forex trading on the popular cTrader platform, regarded by many as the main competitor to the popular MT4 and MT5 platforms.

​cTrader has a clean and modern user interface, which first-time traders might be more comfortable with. A cTrader demo account from Jarden is set to expire after 30 days; however, the company notes you can arrange an extension.
Plus500 forex trading

Plus500

​Plus500 is a well-known international forex and CFD broker. The company is listed on the London Stock Exchange and present in numerous markets around the work. Plus500 provides its service to New Zealand from Australia.

​The company has a Derivatives Issuer license from the FMA, allowing it to legally service clients in New Zealand. Plus500 has a custom-built trading platform that intentionally lacks many features other platforms offer. Sometimes less is more, and if you’re someone learning how to trade for the first time, you might appreciate that. Best of all, Plus500 does not have any time restrictions on demo accounts, allowing you to practice at your leisure.

Lastly, the Financial Markets Authority offers a useful overview - you can read their guide in full here. Before undertaking any forex trade or activity, make sure you:
  1. Check you are using a New Zealand-licensed provider
  2. Read the product disclosure statement (PDS)
  3. Pay careful attention to your trades. If you think things might be getting beyond your ability to cover potential losses, then stop.

Looking to compare Forex Trading Platforms? Our MetaTrader 4 vs cTrader vs MetaTrader 5 vs Currenex Comparison has you covered.

Trading NZ
Visit BlackBull Markets
Your free guide to foreign exchange trading, thanks to BlackBull Markets
  • BlackBull Markets is a multi-award-winning foreign exchange broker, founded, owned, and operated in New Zealand.​
  • BlackBull Markets provide retail investors with an institutional-grade trading experience by offering lightning-fast execution speeds and industry-leading low spreads from 0.0 pips. Their platform gives access to 300+ tradeable instruments including currency pairs, indices, gold, silver, and oil.
  • For more details, read our BlackBull Markets Review or visit their website.

Related Guides
  • Forex Trading Platforms Comparison
  • Forex Trading Tools
  • Forex Trading Courses and Education
  • Forex Regulation
  • MetaTrader 4 vs cTrader vs MetaTrader 5 vs Currenex Comparison
  • Contracts for Difference (CFDs)
  • BlackBull Markets Review​

Other Guides:
  • Options Trading
  • Futures Trading
  • Contracts for Difference (CFDs)
  • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
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          • Other Coins
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  • Loans & Finance
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  • Credit Cards
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        • Where is AMEX Accepted?
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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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    • Savings
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  • Mortgages
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • KiwiSaver Calculators
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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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    • Best of New Zealand
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      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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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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    • Best iPhone Plans
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  • Broadband
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    • Internet Speed Test
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  • Power
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    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
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      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
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