MoneyHub NZ
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      • Comparisons
        • Best Investment Apps
        • Kernel vs Sharesies
        • 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
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • How to Invest in the NASDAQ from New Zealand
        • 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
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        • 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
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • 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
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        • 10 Popular Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
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      • Investing Calculators
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    • Managed Funds, Tax & DIY Investing
      • Guides
        • Our Favourite Managed Funds
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          • Pathfinder Managed Funds Review
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        • Bank Credit Ratings
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        • Bright-Line Test
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        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
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        • Trading in a Nutshell
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        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
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        • How to Take Income from Investments
        • 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
        • Squirrel Review
        • Sharesight Review
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
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    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
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        • Plus500 Review
        • IG Review
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        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
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        • Forex Trading Guide
          • Forex Trading Platforms Comparison
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        • Futures Trading
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      • Cryptocurrency
        • Reviews
          • Swyftx Review
          • Binance Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Vault International Bitcoin Fund Review
          • NZDD Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
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          • 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
    • Best Personal Loans
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      • Tools & Calculators
        • Personal Loan Calculator
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      • Lender Reviews
        • Harmoney Loans Review
        • Nectar Review
        • Avanti Finance Review
        • Money Sweetspot Review
        • Save My Bacon Review
      • Credit Health
        • How to Build Credit in New Zealand
        • Credit Scores and Credit Checks
        • Interest Rates Guide
        • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
    • Best Car Finance
      • Loan Types
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      • Tools & Calculators
        • Car Finance Calculator
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      • Resources
        • Car Finance Documents Checklist
        • Car Dealership Finance vs Alternatives
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        • Car Loans and Collateral
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        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Simplify Car Loans - Real Customer Reviews & Facts
        • Better Car Loans - Real Customer Reviews & Facts
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • Simplify vs MTF vs UDC vs Heartland
        • AA Money Review
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        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Add-On Insurance
        • Compare Mechanical Breakdown Insurance
        • GAP (Guaranteed Asset Protection Insurance) Insurance
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  • Car, Home & Pet Insurance
    • Overview
    • Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
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      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
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        • Car Insurers Directory
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    • Home & Contents Insurance
      • House Insurance
      • House Insurance Calculator
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      • MAS House Insurance - Real Customer Reviews & Facts
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      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
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      • Dental Insurance and Dentist Plans
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      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
        • Sum Insured Explained
    • 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
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
      • ACC CoverPlus Extra (CPX) Explained
      • Co-Shareholder Insurance Cover
    • Find a Broker
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
  • Life & Health Insurance
    • Compare Life Insurance
      • Life Insurance Calculator
      • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
      • Life Insurance Explained (Videos)
      • Stepped vs Level Life Insurance
      • Life Insurance Claims Statistics
      • 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
      • AIA Vitality Review
    • Health Insurance
      • Health Insurance Explained (Videos)
      • Health Insurance Benefits and Limits Compared by Insurer
      • How Many New Zealanders Have Health Insurance?
      • Southern Cross Health Insurance Alternatives
      • ACC Claims Statistics
      • Pharmac Explained & Annual Review
      • Going to Australia for Medical Treatment
      • Dental Costs
      • BMI Calculator New Zealand
    • Income Protection Insurance
      • Income Protection Insurance for Self-Employed
      • ACC vs Income Protection Insurance
      • Income Protection Insurance Claims Statistics
      • Income Protection Insurance Explained (Videos)
    • Trauma Insurance
    • Mortgage Insurance
    • Redundancy Insurance
    • Funeral Insurance
  • Travel Insurance
    • Top Destinations
      • Australia Travel Insurance
      • USA Travel Insurance
      • Bali Travel Insurance
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      • Japan Travel Insurance
      • UK Travel Insurance
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      • Canada Travel Insurance
      • Other Destinations
        • Asia
          • China Travel Insurance
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        • Europe
          • France Travel Insurance
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        • Americas & Africa
          • Peru Travel Insurance
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    • Pre-Existing Medical Conditions Travel
    • Over 70s Cover
    • Annual Multi-Trip Travel Insurance
    • Cruise Travel Insurance
    • Southern Cross Travel Insurance Review
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Travel Insurance for Unexpected Events
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross vs CoverMore vs Allianz
      • Southern Cross Travel Insurance - Real Customer Reviews and Facts
      • 1Cover vs Southern Cross vs AA Travel Insurance
      • Allianz Travel Insurance - Real Customer Reviews and Facts
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • AMEX Airpoints Platinum Travel Insurance Review
      • 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
      • Our Travel Insurance Resources
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • Kiwibank Airpoints Cards Have Ended – Best Replacement Options
      • BNZ Advantage Credit Cards Are Changing (Not Good News) – Best Replacement Options
    • The Best American Express Credit Cards
    • Credit Cards That Earn Business Class Flights
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Balance Transfer Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Best Foreign Currency Debit & Credit Cards
    • Free Credit Cards
    • Low Interest Credit Cards
    • Credit Cards for Bad Credit
    • Guides & Tools
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Credit Card Minimum Payments Explained
      • Mastercard vs Visa
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Airline Credit Cards
      • Q Card & Q Mastercard Review
      • GEM 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
      • China Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • South Korea 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
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Sending Money to Australia
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2026 & 2027
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Debt to Income Calculator
      • 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
    • Mortgage Management
      • Self-Employed Mortgage Applications
      • Interest Rate Strategies
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Top 10 Areas for First Home Buyers 2025
      • 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
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees & Calculator
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Auckland Mortgage Brokers
      • Whangerei Mortgage Brokers
      • Hamilton Mortgage Brokers
      • Tauranga Mortgage Brokers
      • Napier and Hastings Mortgage Brokers
      • Palmerston North Mortgage Brokers
      • Rotorua Mortgage Brokers
      • Gisborne Mortgage Brokers
      • Taupo Mortgage Brokers
      • Whanganui Mortgage Brokers
      • New Plymouth Mortgage Brokers
      • Wellington Mortgage Brokers
      • Wairarapa Mortgage Brokers
      • Kapiti Mortgage Brokers
      • Nelson Mortgage Brokers
      • Blenheim Mortgage Brokers
      • Christchurch Mortgage Brokers
      • West Coast Mortgage Brokers
      • Dunedin Mortgage Brokers
      • Queenstown Mortgage Brokers
      • Wanaka Mortgage Brokers
      • Invercargill Mortgage Brokers
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyer Guide
      • 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
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • KiwiSaver Switching Explained
      • KiwiSaver Statistics Explained
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $260.72 Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
      • Feijoa Review
    • KiwiSaver Schemes
      • 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
        • Pathfinder vs ANZ KiwiSaver Growth Funds Comparison
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Retirement
    • Planning Your Retirement
      • Over-65 Entitlements - The Definitive List for New Zealanders
      • Retirement in a Nutshell
      • Retirement Budget Calculator (Budget Builder)
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Can You Actually Retire on Just NZ Super?
      • Retirement Calculator
      • Net Worth Calculator
      • Can the Average New Zealander Become a Millionaire?
      • Million Dollar Calculator
      • Average and Median New Zealand Net Worth by Age 2024
      • Average KiwiSaver Balance by Age
      • When Can I Retire?
    • NZ Super & Pension Transfers
      • Super Rates 2026 and 2027
      • NZ Superannuation in a Nutshell
      • The Future of NZ Super
      • UK Pension Transfer to New Zealand
      • UK Pension Transfers - “Scheme Pays” Tax Rules
      • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
    • Retirement Income
      • How to Turn $100,000 Into a Retirement Income in New Zealand
      • How to Turn $500,000 Into a Retirement Income in New Zealand
      • How to Turn $2 Million Into a Retirement Income in New Zealand
      • How to Invest So You Never Run Out of Money in Retirement
      • How to Maximise Income in Retirement
      • Retirement Money Drawdown
      • Popular Retirement Income Products in New Zealand
      • Lifetime Retirement Income
      • Spending Your Savings in Retirement
    • Windfalls & Lump Sums
      • The Best Way to Invest Inheritance or a Windfall
      • How to Invest $1 Million in New Zealand
      • Investment Mistakes to Avoid When Accessing Your KiwiSaver Funds at 65
    • Getting Financial Advice
      • Financial Advisers Overview
      • Financial Advisers Directory
      • What the FMA Wants Financial Advice to Be
      • Craigs vs Forsyth Barr vs JBWere
      • Craigs Investment Partners Review
      • Lighthouse Financial Services Review
      • MAS Financial Advice Service Review
      • Free Initial Financial Advice
      • Private Banking
      • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
    • Financial Advisers by City
      • 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 Whanganui
      • Financial Advisers Kapiti
      • Financial Advisers Wairarapa
      • Financial Advisers Nelson & Tasman
      • Financial Advisers Christchurch
      • Financial Advisers Dunedin
    • Wealth Advisers by City
      • Wealth Advisers Auckland
      • Wealth Advisers Hamilton
      • Wealth Advisers Tauranga
      • Wealth Advisers Napier & Hastings
      • Wealth Advisers Palmerston North
      • Wealth Advisers Lower Hutt & Upper Hutt
      • Wealth Advisers Wellington
      • Wealth Advisers Nelson
      • Wealth Advisers Christchurch
      • Wealth Advisers Dunedin
    • Estate Planning & Later Life
      • Wills Guide
        • Enduring Power of Attorney Guide
        • Trusts Guide
        • Living Wills Guide
        • Probate
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
    • Senior Living
      • Retirement Villages
      • Rest Homes and Residential Care Facilities - Costs and Financing
      • Reverse Mortgages
      • Lifetime Home Review
      • Medical Alarms
      • Tips for Seniors Renting or Paying Down a Mortgage
      • SuperGold Card Review
    • Retire Early (FIRE)
      • FIRE Explained
      • How to Retire Early
      • Financial Freedom by 50
      • The Four Percent Rule
      • Five Types of FIRE Plans
      • Achieving Financial Independence, Faster
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
  • Law & Accounting
    • Legal Resources
      • Separation Agreements
      • Prenuptial Agreements
      • Divorce Guide
      • Agreeable Review
      • Footprint Online Wills Review
      • Perpetual Guardian
    • Choosing an Accountant
      • Accountants in Auckland
      • Accountants in Wellington, Hutt and Kapiti
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
  • Business
    • Business Bank Accounts
    • Business Credit Cards
      • American Express Gold Business Card Review
    • Compare Business Loans
      • Compare & Choose
        • Small Business Loans
        • Business Line of Credit
        • Business Borrowing Options
        • Invoice Finance
      • Calculators
        • Business Loan Calculator
        • Small Business Loan Calculator
        • Business Line of Credit Calculator
        • Business Loan vs Line of Credit Calculator
      • Vehicle & Leasing
        • Commercial Vehicle Finance Options
        • Operating Leases
        • Finance Leases
        • Operating Leases vs Financing Leases
      • Lender Reviews
        • Prospa Business Loans Review
        • Bizcap Business Loans Review
        • Taxi (Business Funding) Review
      • Guides & Data
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  • Banking & Savings
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  • KiwiSaver
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  • EVs
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  • Travel
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    • Best of New Zealand
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    • Moving Overseas
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      • Moving to Australia
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  • Mobile & SIM
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    • Apple Watch Buying Guide
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  • Power
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  • Essential Money Tips
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Search

How to Use Google Flights to Find Cheap Flights

Save money by using the power of Google to book the cheapest flights

Google Flights NZ Review
Updated 3 January 2020
Google Flights is an excellent tool for finding cheap flights, and operates a little bit differently to Webjet and Skyscanner. You can’t purchase a ticket directly with Google Flights; instead, you're promoted to visit the airline or travel agent who offers the lowest price. It has additional features that make finding a cheap flight very easy, especially if you’re flexible with dates and what airline you fly.

In this guide, we explain how to use Google Flights to find the cheapest flights, and what to watch out for along the way. We cover:
  • ​Google Flights Pros and Cons
  • How to use Google Flights to find cheap flights
  • Google Flights FAQs
  • Five sites like Google Flights where you’ll find cheap flights​
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Google Flights Review NZ

​Google Flights has many specific advantages:

  1. It’s really fast – the power of Google engineering lets you see cheap flights within seconds of picking your route.
  2. The calendar feature – Google Flights lets you see fares on any date, up to 11 months in the future.
  3. Multiple airport search – You can select up to seven destination airports, for example, if you wanted to go to Asia, you could enter in Singapore, Kuala Lumpur, Bangkok, Hanoi, Hong Kong, Seoul and Tokyo. Google Flights will show you the cheapest flights for all those destinations.
  4. Map-based search - It’s straightforward to see the cheapest places to fly by selecting your departure airport and dragging the map to where you want to go.
  5. Transparent pricing – for many direct flights from Auckland, Wellington and Christchurch, Google Flights reveals more often than not that the cheapest tickets are found from booking directly with the airline (LINK).

Google Flights could improve in some areas:

  1. ​Not every airline shows up – for example, Air China, which routinely offers bargain deals out of Auckland to Beijing and beyond, doesn’t list on Google Flights.
  2. It doesn’t display major travel agencies for booking – you won’t find live prices from Flight Centre, and House of Travel isn’t featured. Instead, you’ll find airlines, online travel agencies or sites like Expedia and GoToGate.
  3. It’s not always the best deal – travel agents like Flight Centre regularly offer flight deals that not even the airlines themselves can beat. For example, Flight Centre’s recent ‘take a mate’ deal cost $698 return for two people to go Auckland to Sydney. The best price Google Flights could get was $955, some 43% more expensive.
  4. No packages – Flights with hotels or car rental included are not a feature.
  5. Prices that don’t exist – by far the most frustrating feature is that you select your flights only to find out the fare doesn’t exist. In such instances, you’ll either see a jump in the fare and/or a prompt to “Book with a travel agent” or “Call (airline name) to book”. No travel agent or airline will honour the fare, so it’s a waste of time trying.
Visit Google Flights NZ

Google Flights Review NZ

How to use Google Flights to find cheap flights

​Google Flights searches flights on most airline websites, as well as trusted online travel agencies like Expedia and Mix & Match (a House of Travel platform). We walk through the process to maximize Google Flights' features and find cheap flights, step by step. 
Google Flights NZ Review
Google Flights booking options
MoneyHub

Choosing your departure and arrival cities on Google Flights

  • You’ll be prompted to enter where you’re leaving from and where you’re going, along with your preferred dates.
  • Flying to Europe or America? Many cities have multiple airports so be general and just enter the city.
  • London, for example, as Heathrow (LHR), Gatwick (LGW), City (LCY), Stansted (STN), Luton (LTN) and Southend (SEN). If you insert ‘LHR’, Google Flights won’t consider prices to other local airports, which may offer cheaper airfares.  
MoneyHub

Selecting travel dates

  • Google Flights is unique from other booking sites – it shows prices as you enter your travel dates. If you’re flexible, you can choose the cheapest day. As you move months with the scroller, prices for each day will appear.
  • If you’re booking a return flight, the cheapest days to travel will be displayed in the same way. Once confirmed, the total price will show up with the airlines and booking options.
Google Flights NZ Review
Google Flights price calendar reveals the cheapest day to fly
MoneyHub

​Specifying one-way or return, passenger numbers and travel class

You can edit your preferences further using the drop-down options above the dates (marked in a blue box in the above illustration). The default settings are ‘return journey, one passenger flying in economy.
​
MoneyHub

​Adding bags and specifying airlines and stops

  • Below the destination field, as marked in green above, you can add luggage and specify any preferred airlines.
  • We found that while researching Google Flights, the Bags feature doesn’t accurately reflect the flight prices from Jetstar and Air New Zealand flights, among others.
  • What does this mean? If you are looking for domestic New Zealand flights, or Australia, Pacific Island and regional leisure (Bali, Hawaii etc.) flights, the prices probably won't be accurate until you add luggage on the airline's website.
​
MoneyHub

Sorting the results

  • ​Google Flights orders airlines based on what they think are the “Best departing flights”. By doing so, Google says it chooses options to “give you the best trade-off between price and convenience, based on factors such as duration, number of stops and airport changes during layovers”.
  • It’s worth looking beyond this shortlist to “Other departing flights” to see if the times, airlines, duration and prices work better for you.
  • Important: The price displayed by Google Flights will (usually) be in New Zealand Dollars, and will always include taxes, surcharges and booking fees. Check that the currency is NZD by scrolling to the bottom of the page. This will avoid nasty surprises of booking thinking it’s NZD but being charged AUD, or, and even worse, USD.
Google Flights NZ Review
Setting the currency to NZD using Google Flights
MoneyHub

Booking on Google Flights

  • The next step is to confirm your outbound and return dates, which will prompt you to select an online travel agency (OTA) or an airline. In the example below, the OTAs listed are Trip.com (a Chinese company) and Expedia (the American giant). You can also book directly with Malaysia Airlines. You’ll notice the significant price difference – this happens regularly with Google Flights, so booking the cheapest flight is always the best idea.
  • Remember - Google Flights is only a flight search engine; it’s not an OTA. Google Flights doesn’t sell tickets, so whatever flights you see will need to be purchased with an OTA or airline. Google Flights simply displays the price options and makes money if you buy the ticket by taking a commission from the airline or OTA.
  • For example, if you click to book with Air New Zealand, you’ll be taken to the Air New Zealand fare selection page, and you’ll enter in your personal and payment details. Once confirmed, Air New Zealand will issue your ticket.​
Google Flights NZ Review
A typical example of Google Flights booking options
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Google announces if the flights you’ve chosen are ‘cheap’ flights

​If your price is seen as ‘low’, Google Flights will tell by showing you the price compared to the typical price range.
​

However, a good price flight might have punishingly long layovers in Australia (or somewhere not a transit-friendly) or see you fly a less-direct route. Just because the price is ‘good’ doesn’t mean it’s right for you.  
Google Flights NZ Review
An example when Google Flights states that the price for a trip selected is below the average price paid
MoneyHub

Be aware: Some prices may change or disappear when you try to book them

In some instances, Google Flights shows cheap flights, but when you click through to booking options, they vanish or jump higher. In some cases, you’re told to call the airline or book with a travel agent.

​In such instances, we believe it’s a dead-end as the prices offered won’t be honoured by the airline or travel agent. Such instances are rare for flights ex Auckland (or anywhere in New Zealand), but they can happen. In such cases, it’s best to scroll back to the starting screen and select different flights.
Google Flights NZ Review
An example of 'unbookable' Google Flights results
MoneyHub

Track prices by ​setting up Google Flights Alerts

  • ​If you know your dates but are not ready to buy, you can set a price alert for the flights you want.
  • This is done by toggling on the "Track prices". You’ll need to be signed in to a Google account (i.e. Gmail) for this to work.
  • What happens is good and bad – you’ll get an email every time the price changes, but this may also flood your inbox as changes can occur multiple times per day (for some flights).
  • Google Flights won’t let you set parameters around the alert, i.e. “email me when the price gets below $...”. You’re unable to set alerts for a date range either.
Google Flights NZ Review
An example of a user switching on Google Flights price alerts
MoneyHub

Understand that Google Flights, Skyscanner and Flight Centre offer different things

It depends on what route you’re looking at. For flights from New Zealand to Australia, Asia, America and Europe, Google Flights is a safe bet to get an idea of prices. Our suggestion is to do the following:
  1. Price your preferred dates on Google Flights
  2. Compare using Skyscanner to see if any better deals are available – Skyscanner uses smaller online travel agents who may be cheaper (but you take a risk with their terms and conditions)
  3. Check out Flight Centre offers to see if any sales apply to your intended travel plans
Visit Google Flights NZ

Google Flights Review NZ

Frequently asked questions about Google Flights

Google Flights is easy to use, but it's not for everyone. The FAQs below explain the limitations and what to watch out for.

How does Google Flights get its prices?

Google Flights is connected to airline and online travel agent airfare inventory which lets it show prices near-instantly to anyone using the tool. The prices are continuously updated, but the final price may, in some instances, be different from the first price quoted. Unlike Skyscanner, there’s no app, so all bookings must be made via the website.

​Unlike the Expedia, House of Travel or Flight Centre websites, you won’t pay Google Flights. Instead, you’ll book with the airline or travel agent. Google Flights then charges a small commission to the company you booked with for ‘referring’ you. Google Flights has no control over flight prices, nor does it offer packages or special offers. 
Like Google, it shows what it believes are the best results for what you’re looking for.

Are all airlines flying from New Zealand available on Google Flights?

​In all but two exceptions, yes. You won’t find Air China or Air Chathams on Google Flights, but that’s it. Around the world, Google Flights prices about 98% of IATA-registered airlines.

Does Google Flights show me flexible airfares?

​No – only the lowest prices, i.e. ‘saver’ or ‘special’ fares, are displayed. If you want flexible airfares (which are popular with those who change flights and want to avoid high fees), it’s generally best to book directly with an airline. Flexible airfares vary between airlines, and Google Flights won’t be able to help you compare.

What are the refund and changes policies of Google Flights?

​Google Flights doesn’t have a refund or flight changes policy – what you need to look at is the policy of who you book with. If you book with an airline, the refund and change fees will be displayed on their website. An online travel agent will, typically, bury it in their terms and conditions.

Is it better to book with an airline, local travel agent or online travel agent?

  • ​It depends on your needs and likelihood of changing or cancelling the flight:
  • Booking with an airline gives you full control and means you can deal with their call centre directly.
  • Booking with a local travel agent, i.e. Flight Centre, means you’ll most likely be told about the change and cancellation fees before you pay.
  • Booking with an online travel agent can be complicated – you may have to call an overseas number, and there may be change fees on top of the airline’s fees. Some OTAs don’t offer refunds even if the airline’s ticket allows refunds.
  • For example, Air New Zealand’s Long haul Global Saver fare conditions allow cancellations and changes, whereas their Trans-Tasman Economy Smart Saver conditions only allow changes. If you booked these flights with an OTA, it’s likely they would charge you fees on top of those charged by Air New Zealand.
  • Generally, for a standard return trip with a very low risk of changes being made, any of the above options would be suitable. But if you’re going away and want flexibility, booking with an airline (and not an OTA) is a popular way to go.
Visit Google Flights NZ

Google Flights Review NZ

Five sites like Google Flights where you’ll find cheap flights​

Looking to cross-check that you've got the best price? These five sites are quick to use and have an excellent reputation among New Zealanders.
1. Kiwi.com
  • Kiwi.com displays fares on its user-friendly calendar. It's a one-stop solution, meaning all prices are final and you'll book directly with Kiwi.com. The useful pricing map shows you what destinations are cheap per month.
  • Kiwi's guarantee covers for delays and cancellations and is included with every booking. This gives you either a full refund or re-booking if the airline won’t assist.

2. Flight Centre
  • Arguably New Zealand's favourite travel agent, Flight Centre routinely offers exclusive deals that its competitors are unlikely to beat.
  • Unlike Google Flights, you can book accommodation. MoneyHub is a big favourite of the Flight Centre Mastercard as well, which offers 0% foreign exchange fees when you spend in foreign currencies.
  • Flight Centre's website offers the same deals as their stores, and it's Flight Centre policy to offer the lowest price (meaning it will price match).

3. Expedia
  • Expedia is the world's biggest travel website and is particularly good for New Zealand rental car deals.
  • Expedia offers flights, hotels and cars, and you have the option to book them all together.

4. Webjet
  • Webjet is a one-stop-shop for New Zealanders to book flights, hotels, packages, car hire and cruises.
  • Webjet exclusive deals and a user-friendly booking interface are popular features.

5. Cheap Flights
  • Cheap Flights claims to compare 1,000+ airlines and travel agents to show the best deals.
  • While the interface isn’t as friendly as Google Flights or Skyscanner, it’s worth checking your dates to see if you can get a better price. It also offers accommodation and car hire.
Visit Google Flights NZ
Picture

Important: Remember, Before booking with any travel agency or online travel agent, check:

  1. What are the contact centre options? The best offering is 24/7 phone, the worst is ‘email only’. If you need help with your booking, you want a person to talk to, and you want them as quickly as possible.
  2. What are the cancellation and change fees? The best offering is a small charge, the worst is ‘no refunds, no changes’. Be aware that online travel agents make lots of money from change fees, and you won’t be able to go directly to your airline to make the changes.
Related guides
  • Cheap New Zealand Domestic Flights
  • Air New Zealand Upgrade Guide
  • No-Nonsense Upgrade Guide
  • Air New Zealand Travel Tips
  • ​Qatar Airways Travel Tips
  • Flight Centre Mastercard Review
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  • EVs
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  • Essential Money Tips
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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    • Tauranga Trade Services
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    • Dunedin Trade Services
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  • Students
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