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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The Definitive Guide to Forex Regulation around the World

New Zealand only hosts a handful of regulated forex brokers licensed by the national regulator, the Financial Markets Authority. Yet, many overseas brokers are attracting New Zealand residents. Our guide covers Europe, Australia, the UK, Cyprus, Vanuatu and Belize.
Forex Regulation
Updated 17 July 2024 

The forex market is decentralised, so no single global regulatory agency governs the forex trading industry. It is regulated on a country-to-country basis. Most jurisdictions around the world have national regulatory agencies that oversee the brokers operating in their territory, and some countries have more than one regulator. In some countries, forex and CFD trading isn’t regulated by their financial markets regulatory authority. As you can imagine, that creates a lot of ambiguity for investors.
 
We understand the world isn’t perfect, and there are valid reasons why a New Zealander would want to trade with an overseas forex broker. This guide explores the various forex and CFD trading regulatory regimes worldwide.
 
We explore different types of regulatory agencies, known as National Competent Authorities worldwide, and discover how the laws regarding forex trading differ between jurisdictions.
 
Know this first:
  • The FMA does not have jurisdiction over forex brokers licensed overseas. If you have a claim against an overseas broker or that company goes bankrupt or has its license suspended or revoked, it’s unlikely there will be any recourse or compensation.
  • Trading with an unregulated broker is hazardous; even if the operator has the best intentions, a poorly managed business can become insolvent. If anything goes wrong, no one can help you.
  • Trading forex and CFD instruments are highly speculative and only suitable for advanced traders.
 
Summary:
  • New Zealand is home to eight brokers offering leveraged forex and CFD products. Due to the lack of choice and competition, some traders see the appeal of using overseas brokers. Read our comparison of four New Zealand regulated forex brokers.
  • To learn more about how forex and CFDs are regulated in New Zealand, read the regulation section from our Guide Contracts for Difference Trading in New Zealand.
  • Leveraged over-the-counter (OTC) forex trading is regulated separately from exchanging foreign currencies.
  • Forex brokers should be regulated, as it gives them standards to follow and establishes trust with their clients and partners. Most banks and liquidity providers will refuse to cooperate with an unregulated broker.
  • Financial markets regulators, like the FMA, take inspiration from other regulators, such as ASIC in Australia or the FCA in the UK.

Our Guide Covers:
  • Introduction to forex regulations
  • Forex trading regulators around the world
  • Importance of forex regulations
  • Frequently asked questions
Forex Regulation

Introduction to forex regulations

The concept of regulations is straightforward; they are present in many industries. Regulators regulate an industry or sector by establishing standards and ensuring that participants adhere to those standards. For example, according to the Productivity Commission, New Zealand has over 200 regulatory agencies. These agencies regulate consumer rights, food safety, intellectual property, tourism, education, health care, and many other aspects of society. 

What do forex brokers regulate?

Financial markets regulators, like the New Zealand Financial Markets Authority, regulate the forex industry in their country. Forex regulators set requirements and issue licenses, establish standards, such as capital requirements, fitness and proprietary of shareholders, directors and employees, handle complaints, enforce risk disclosures and govern which products can be sold, how they are offered and advertised. Besides just setting rules, forex regulators can impose fines, restrictions and other penalties.
 
Most forex regulators have special directories on their websites where you can look up the name or license number of a broker to see if they are regulated and if their licence is valid. For example, the FMA has a searchable list of licensed entities. By checking the broker’s regulatory status with the regulator, you can be sure that you are trading with a legitimate broker.

Overview of forex regulatory functions

While not all forex regulators perform all functions described below, this is an overview of how forex is regulated:
  • Issue licenses to firms that have met their licensing requirements and reject applications for companies that fail to meet licensing requirements.
  • Investigate any complaints or suspicious activities and proactively monitor the conduct of licensed entities.
  • Establish reporting standards and require regular reports and audits to ensure brokers comply with their obligations.
  • Warn consumers about unauthorised firms, report scams and fraud and promote financial literacy.
  • Promote or operate deposit protection schemes to protect customers funds if the forex broker fails.
  • Require customer funds to be kept in segregated bank accounts and never used to support company operations. Some regulators set requirements to determine which banks can be used to hold customer funds.
  • Require risk disclosures to be published to traders, informing them of the risks associated with trading forex and CFD instruments.
  • Prohibit any financial incentives to traders, such as bonuses or rebates, to encourage them to open trading accounts.
  • Evaluate the operating processes, anti-money laundering procedures, conflicts of interest, remuneration for employees, business continuity, disaster recovery, risk assessments, cybersecurity and other elements of the business.
  • Enforce product intervention measures on how products are sold to certain customers. For example, regulators might require brokers to apply limits on leverage, offer negative balance protection and fixed margin call levels.
  • Require brokers to follow best execution rules, meaning they execute their clients’ orders at the best possible price.
  • Establish local substance requirements, such as a registered local company, physical offices, specific roles and headcount.
  • Require brokers to have a customer complaints procedure and maintain records of all customer communications, including phone recordings.
Forex Regulation

Forex trading regulators around the world

While most countries have a dedicated agency for regulating over-the-counter forex trading, some countries use their central bank to regulate the industry. For example, forex is regulated by the Central Bank of Ireland in the Republic of Ireland.
 
On the other hand, some countries don’t even regulate OTC forex trading. For example, there are only two countries in Africa with forex regulations. In contrast, some countries have multiple regulators. For example, in the United Arab Emirates, forex is regulated by the Central Bank of the United Arab Emirates, the Securities and Commodities Authority, Dubai Financial Services Authority and the Abu Dhabi Global Market (ADGM) Financial Services Regulatory Authority.
 
Forex and CFD traders are used to dealing with risk, but trading with unregulated brokers takes these risks to another level. To ensure your funds are secure, it is incredibly important to only deal with brokers authorised by a reputable regulatory authority, especially those with strict order execution and client money rules.
 
Each country may have a different approach to regulating its financial markets because they see different risks and priorities for their consumers and market participants.
 
In 2018, all European brokers, among other things, severely restricted leverage for retail traders, limiting leverage to a maximum of 1:30 on major forex pairs; Australia replicated this in 2021.
 
Since there are so many countries where forex brokers are registered, some traders find overseas or unregulated brokers appealing because they seek to exploit differences in rules and regulations between their country of residence and an overseas broker; this is known as regulatory arbitrage. One of the regulations traders try to circumvent is leverage restrictions.
 
This section explores some of the best-known forex industry hubs where many brokers register their businesses and obtain licenses. We example the following regulators: 
  • European Securities and Markets Authority
  • Australian Securities and Investments Commission
  • Financial Conduct Authority (UK)
  • Cyprus Securities and Exchange Commission
  • Vanuatu Financial Services Commission
  • International Financial Services Commission (Belize)
Forex Regulation ESMA

European Securities and Markets Authority

When explaining international forex regulations in different parts of the world, it’s essential to describe the role of the European Securities and Markets Authority (ESMA).
 
ESMA is an independent EU authority based in Paris and is essentially the pan European financial markets watchdog. While ESMA doesn’t issue licenses, it has power over all other national regulators in Europe, making ESMA a supranational regulatory authority and one of the most influential financial market enforcement agencies globally.
 
ESMA is responsible for oversight of the financial markets throughout Europe and works closely with national regulators to ensure that the financial markets are safe and secure for consumers and do not present a systemic risk to the economy.
 
For example, in 2018, ESMA introduced product intervention measures concerning forex, CFDs and spread betting instruments. The measures were enforced throughout Europe, and European national regulators had to ensure their licensed entities complied. ESMA is also the primary administrator of the MiFID II and MIFIR, two essential frameworks governing forex, CFDs, and other over-the-counter products in Europe.
 
A summary of how ESMA and regulates the forex market: 
  • ESMA is the primary driver of financial markets regulation and conduct in Europe;
  • Under the well-known MiFID II Directive, the authority is assigned several duties;
  • It aims to harmonise the financial markets throughout Europe;
  • Holds product intervention powers and can enforce rules that countries must adopt across Europe;
  • Brokers licensed in Europe can passport their services to other EU/EEA member states;
  • European licensed brokers follow some of the strictest regulations, reporting requirements and product restrictions worldwide.

How ESMA regulates forex

​ESMA is assigned several duties under the well-known MiFID II Directive, which intends to harmonise the financial markets among the EU/EEA member states. Thanks to this directive, every broker regulated in one of the EU member states can provide services in other EU/EEA member states. For example, a forex broker licensed in Germany can provide services in Spain and vice versa.
 
Some of the noteworthy regulations European forex and CFD brokers face are:
  • One of the most important requirements ESMA adopted is negative balance protection, which ensures traders don't lose more money than they have in their trading account. There have been cases where traders owe money to their broker because their trading account balance is negative.
  • Brokers are prohibited from offering retail traders bonuses, rebates, and other financial incentives. The purpose is to prevent inexperienced traders from getting into the market only due to the rewards.
  • Brokers must limit leverage provided on different trading instruments. For example, the maximum leverage offered to retail traders is 1:30 for major currency pairs like EUR/USD. More volatile instruments have lower leverage; for example, cryptocurrency CFDs can only be offered with 1:2 leverage. However, professional traders are exempt. There is a common framework to assess whether a trader can be considered professional or not.
  • Brokers are required to display a risk warning to investors to warn them of the high probability they will lose their money.
  • Brokers must liquidate positions when the margin level of a retail trading account falls below 50%.
  • Brokers are required to execute their clients’ transactions at the best possible price and publish regular reports to show execution venues and verify execution quality.
Forex Regulation ASIC

Australian Securities and Investments Commission

The Australian Securities and Investments Commission (ASIC) is an independent Australian Government body. The agency was initially established in 1991 as the Australian Securities Commission, but the department gradually gained new responsibilities over time and was renamed. Currently, ASIC regulates financial services, markets, consumer credit and maintains company and business name registers.
 
In recent years, ASIC has massively changed its attitude towards the financial markets. Australia used to be a popular forex industry hub, but restrictions on leverage have pushed many well-known brands and their clients offshore. However, Australia is seen as one of the leading forex regulatory environments.
 
In early 2021, ASIC officially adopted new measures to safeguard Australia’s forex industry. The new measures focused on the retail CFD and forex trading sector. ASIC released information about the changes in regulatory guidelines in May 2020 after extensive research and public consultation.
 
One of the most significant changes was the maximum leverage available for retail traders. After ESMA introduced leverage restrictions in 2018, Australian brokers benefited massively. ASIC noted in a public consultation paper that the number of clients trading with Australian brokers increased by 121%, from 450,000 to 1 million, between 2017 and 2019. The regulator also noted that Australian CFD providers earned US$1.5 billion from retail clients losses in 2018.
 
Before the changes, forex brokers were not restricted on how much leverage they could offer, and 1:500 was the default for most accounts. While leverage is helpful for traders to increase their exposure, it also increases the risk and potential to lose money. With the recently-updated regulatory scheme, the maximum leverage in Australia has decreased to 1:30.
 
A summary of how ASIC regulates the forex market:
  • ASIC recently changed its regulatory guidelines by introducing dramatic product intervention measures on par with European brokers;
  • Limits the maximum leverage for retail clients to 1:30;
  • Enforces negative balance protection for retail trading accounts;
  • Prohibits bonuses and other financial incentives such as rebates;
  • Requires brokers to perform audits and follow specific operating guidelines;
  • A minimum share capital of AU$1,000,000 is required to apply for a license. Once licensed, authorised firms must maintain the greater of either minimum amount or 10% of the average annual revenue;
  • A physical office in Australia is required;
  • Australian licensed brokers can apply for a Derivatives Issuer license in New Zealand without establishing a local company, physical office or team.
  • Every broker that wants to solicit retail forex and CFD trading services to Australian residents is required to hold a valid AFSL license from ASIC.
 
ASIC provides a registry for traders to search the validity of a broker's license. You can search the online ASIC registry using a brokers’ business name, trading name or license number.
Forex Regulation FCA

Financial Conduct Authority (UK)

The United Kingdom's Financial Conduct Authority (FCA) is one of the world’s most reputable financial market authorities. The authority regulates 51,000 businesses in the UK, including some of the largest investment firms and trading platforms. The FCA prioritises protecting customer funds by enforcing numerous protocols that prevent forex brokers from committing fraud and misappropriation.
 
The FCA is deemed one of the most reputable financial market regulatory organisations in the world. The UK’s financial markets regulator oversees the process of regulating forex and CFD trading in the country. All brokers in the country must adhere to the strict client money guidelines to maintain their licenses, avoid fines, suspensions and reputational harm.
 
The authority works alongside the Financial Services Compensation Scheme, the Bank of England and the Prudential Regulatory Authority to ensure the highest safety standards for investors and traders.
 
A summary of how the FCA regulates the forex market: 
  • Limits leverage to 1:30 for retail clients; professional clients are exempt from the limits;
  • UK licensed brokers must continue to follow MiFID II and MiFIR obligations, as they have been adopted in UK regulations;
  • A minimum share capital of €730,000 is required to apply and maintain a license.
  • Administer fit and proper tests to ensure shareholders, directors, and key personnel are competent enough to manage the company;
  • The Financial Services Compensation Scheme (FSCS) supports traders from the UK and EU/EEA, which protects traders deposits by up to £85,000 per broker that fails. Unfortunately, this scheme does not cover traders from New Zealand and other regions;
  • Brokers are required to provide the regulatory body with periodic audited financial statements about their transactions and balances to verify they are operating in line with the FCA’s standards.
 
The FCA also provides a registry for traders to search the validity of a broker's license and the activities they’re authorised to provide. You can search the online FCA register using a brokers’ business name, trading name or license number.
Forex Regulation CySEC

Cyprus Securities and Exchange Commission

The Cyprus Securities and Exchange Commission (CySEC) was established in 2001. After Cyprus joined the European Union, the country became a go-to destination for obtaining a license to operate a forex and CFD broker. CySEC was considered liberal with issuing licenses and a relaxed regulator. Moreover, labour and taxes were cheaper than their European counterparts.
 
However, the relaxed approach to regulation led to numerous issues. The regulator had to monitor more companies than it could handle, and predictably some bad actors slipped through the wide nets. As of 2021, Cyprus still has somewhat of an iffy reputation lingering despite completely overhauling its behaviour and now being on par with any other European regulator.
 
CySEC licenses became more popular as the UK left the European Union. Many of the local brokers operating in the UK moved their offices to Cyprus to ensure they would continue offering services to traders from the EU.
 
A summary of how CySEC regulates the forex market: 
  • There is currency 233 licensed Cyprus Investment Firms (CIFs) and 84 former CIFs;
  • A minimum tier one capital of €730,000 is required to apply and maintain a license;
  • CySEC operates an Investor Compensation Fund (ICF), in which brokers allocate the equivalent of 3% of their clients’ funds towards protecting customers’ deposits up to €20,000 per client. However, New Zealand residents will not be eligible for compensation;
  • Leverage is restricted to 1:30 for retail clients; professional clients are exempt from the limits;
  • Brokers must liquidate positions when a retail trader's margin level falls below 50%, offer negative balance protection, follow best execution rules and other common European measures.
 
CySEC maintains a list of approved domains and a list of licensed Cyprus Investment Firms. You can use the Ctrl+F function to search for a specific company name or license number in your web browser.
Forex Regulation VFSC

Vanuatu Financial Services Commission

​The Republic of Vanuatu is a series of islands located just over 1,000 miles from New Zealand. The nation was formed in 1980 after gaining independence from England and France. The Vanuatu Financial Services Commission (VFSC) is the nations’ finance industry regulator established in 1993.
 
Vanuatu is considered an offshore broker, and until recently, the country did not require brokers to have any local presence; the capital requirements were just a few thousand dollars, and reporting obligations were next to nothing. However, the VFSC recently changed its outlook on regulation and introduced more requirements.

  • The VFSC is responsible for licensing and monitoring the conduct of forex and CFD brokers. The regulator has a portfolio of 137 Financial Dealer licensees.
  • Brokers licensed in Vanuatu are not restricted by the regulator to provide their services, except for some risky countries. Brokers licensed in Vanuatu can onboard New Zealand residents.
  • Vanuatu does not have restrictions on leverage, bonuses or rebates. Nor does the regulator require negative balance protection or operate an investor compensation scheme.
  • Financial Dealers licensed in Vanuatu are required to have a resident manager approved by the VFSC, which can be an outsource function;
  • Brokers in Vanuatu are required to pay a government bond of 5 million Vanuatu Vatu (VUV), which is equivalent to NZ$65,000.
  • The cost to apply for a Vanuatu license is 100,000 VUV (NZ$1,300); then, a fee of 200,000 VUV  (NZ$2,600) is paid upon receiving the license and for each year thereafter.
 
The VFSC maintains a PDF Financial Dealer Licensees, which is presumably updated whenever a new change is made, for example, when a license is issued or revoked.
Forex Regulation IFSC

International Financial Services Commission (Belize)

The International Financial Services Commission (IFSC) regulates and supervises the international financial services sector in Belize. The IFSC was established in 1999, and over the past several years, numerous international forex and CFD brokers have obtained licenses from the agency. Currently, 29 brokers are authorised to provide trading in financial and commodity-based instruments.
 
Belize is considered an offshore jurisdiction because brokers licensed in the country are not authorised to provide services to Belizian residents. Most people instinctively consider offshore zones, like Belize, to be substandard regulatory environments. While the standards are lower than Western regulators, the IFSC is one of the most adept offshore regulators.

  • Any brokers licensed by the IFSC to provide trading in financial and commodity-based derivative instruments and other securities must have $500,000 of paid-up capital. Before the 1st of July 2016, the requirements used to be just US$100,000.
  • It costs US$1,000 to submit a license application to the IFSC in Belize. Upon approval, brokers pay a licensing fee of US$25,000. Brokers renew their license annually, meaning they need to pay the fee each year.
  • The Belize IFSC requires that licensed brokers maintain a physical office with local directors.
  • Forex brokers licensed in Belize can provide their services worldwide and may accept New Zealand residents. However, local regulators, like the FMA, might have another opinion.
  • The IFSC does not have any restrictions on products, such as leverage, bonuses, rebates or negative balance protection. The only noteworthy restriction is the prohibition of using the Belizean dollar to provide services.
Forex Regulation

Importance of forex regulations

The primary purpose of forex trading regulations is to protect retail and professional traders from bad actors and investment scams. However, regulators also proactively develop laws with the government and other agencies to help participants and consumers enjoy a safer and more secure environment. A transparent regulatory regime holds participants to a certain standard, helps brokers gain their customers’ trust and secure reliable banking relationships.
 
Getting a forex trading license is also very important for forex brokers as it’s almost impossible to operate a legitimate brokerage without a license. Over the past few years, forex traders have become well-aware of the systemic dangers of the financial markets. Because of this, many traders are looking for licensed forex brokerages.

Why is local regulation important?

​While the necessity of regulations in the online trading industry is self-evident, you can’t ignore the importance of local regulations. Local laws and regulations are designed to address each jurisdiction’s unique environment and needs.
 
By trading with a locally licensed broker, you’re afforded the maximum protection available. After all, regulatory authorities are responsible for protecting their citizens and residents first and foremost. For example, investor compensation schemes are not available to everyone. Typically they are designed to protect local consumers.

Some jurisdictions don’t have forex regulations

​Even though trading with a locally licensed broker is the best solution, not every country has a national financial markets regulator overseeing forex and CFD brokers. For example, there are no local options if you’re based in Fiji or Tonga. Therefore, you would need to trade with an overseas broker.
 
Some countries do not formally require brokers to be licensed when offering forex and CFD trading products. These countries include St Vincent and the Grenadines and Dominica. Due to the lack of regulations, it is risky to trade with brokers registered in these countries even if a handful of reputable brokers are operating for several years from these jurisdictions; there are far more horror stories.
Forex Regulation

Frequently asked questions

Which forex brokers are licensed in New Zealand?

There are nine brokers in New Zealand offering leveraged forex and CFD products. These companies are Blackbull Markets, IG Markets, Trademax Global Markets, Plus500, CMC Markets, Jarden, Rockfort Markets, Pacific Financial Derivatives and CTRL Investments.

How may forex regulators exist?

​More than fifty authorities regulate the forex market in different countries. You can find a comprehensive list of regulatory authorities on the BabyPips website.

How are forex regulations different from other financial markets?

Yes. As each financial market functions differently, regulators take a different approach to regulation. However, there are many similarities. For example, regulators only want competent people operating companies dealing with investments regardless of the underlying financial markets or investment products.
 
Learn more about other financial markets by reading more detailed guides like this one:
  • Guide to Commodities Trading in New Zealand
  • Guide Options Trading in New Zealand
  • Guide to Futures Trading in New Zealand

Related Guides
  • ​Foreign Exchange Trading
  • Reviews - BlackBull Markets, IG Markets, Trademax Global Markets, Plus500 and CMC Markets
  • Commodities Trading in New Zealand
  • Options Trading in New Zealand
  • Futures Trading in New Zealand
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          • Other Coins
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  • Loans & Finance
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      • Car Finance Must-Knows Guides
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Students Insurance
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      • Health Insurance
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  • Credit Cards
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      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Balance Transfer Credit Cards
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    • Reviews
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        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
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        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
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  • Travel Money Cards
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      • Revolut vs Wise - Which Is Better?
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    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
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  • Banking & Savings
    • Banking
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      • Open an Australian Bank Account from New Zealand
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    • Savings
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      • Booster Savvy Review
      • Booster Savvy Analytics Review
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    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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  • Mortgages
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      • Revolving Credit Mortgages
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      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • First Home Loan Guide
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      • Lifetime Home Review
    • Mortgage Management
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      • 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
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      • 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
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      • 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
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    • 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
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      • 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
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      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
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      • KiwiSaver Withdrawal
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      • KiwiSaver Robo and Digital Advice Tools
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    • KiwiSaver Contributions & Tax
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      • What's My PIR?
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    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
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      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
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      • kōura Wealth KiwiSaver Review
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      • MAS KiwiSaver Scheme
        • MAS Review
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      • Pathfinder KiwiSaver Review
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      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
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      • Prospa Business Loans Review
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    • Business Insurance
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    • Wise Business Account Review
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      • Business Brokers
    • PAYE & Taxes
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    • Business Calculators & Resources
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
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    • For Startups
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  • MSD
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    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
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  • Motoring
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      • Turners Cars Review
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      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
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      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
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      • AA Membership Review
      • Best Car Batteries
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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  • Law
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    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
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    • Air New Zealand Specific
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      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
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    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • 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
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Asia
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      • Americas & Africa
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      • Europe
        • France Travel Insurance
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        • UK Travel Insurance
    • Specific Risk Cover
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    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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      • 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
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
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      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Mercury Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • 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
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Financial Coaches
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
      • SortMe Review
    • Repaying Debt
      • Debt Help
      • Debt Repayment Apps
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
        • Nielsen Online (Computer & Mobile Panel) Review
        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
      • Unclaimed Money in New Zealand
      • Free Money from the Government
      • Hosting International Students
      • How to Sell on Fiverr
      • Trade Me Selling Tips
    • Kids Eat Free
    • Prezzy Cards
    • Meal Kits & Supermarkets
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
      • Woop Review
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