MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • 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
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • 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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  • Essential Money Tips
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  • Trade Services
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How to Get a Refund, Repair or Replacement

Our definitive guide outlines your consumer rights when you purchase a faulty item or unsatisfactory service

How to get a refund NZ
Updated 21 July 2021

Finding a fault in an item you recently purchased or having a bad experience with services you purchased can be extremely frustrating. One of the first thoughts to cross your mind will probably be “can I get a refund for this?”

We often hear from MoneyHub users who encounter these situations and want to know what their options are. We have put together this guide to help you understand your rights as a consumer and to navigate the process of requesting a refund, repair or replacement. We have also created seven templates to help you get your money back.

In this guide, we cover:
  • Four Must-Know Tips
  • Consumer Law and Your Rights – A Three Step Process to Work out Whether You Have a Claim
  • What Should I Know about the Various Remedies?
  • Take Action – Three Tips to Know Before Asking for a Refund
  • Seven Templates to Help You Request That Refund in Minutes
  • Frequently Asked Questions
  • Concluding Remarks
 
Before you read this guide:
  • We have a specific guide to credit and debit card chargebacks here . If you are disputing a charge on your card that you’ve paid to a third party (e.g. online store), you may be able to get this money refunded to the card you paid with.
  • So many New Zealanders have been slapped with unjustifiably expensive parking tickets that we wrote a guide to exercising your rights as a customer of private car parking. Read how to fight rip off tickets here.

MoneyHub's Founder, Christopher Walsh, shares his comments:

  • Consumer law is sometimes applied inconsistently in New Zealand, and you only know this when something goes wrong.
  • We don't think you should be out of pocket when something you buy doesn't deliver. To help you, our guide outlines your rights to a refund, repair or replacement.
  • If you're being mucked around, our guide and templates fight in your corner for a fair result.
  • If you're still unable to get a result, our What To Do If You Do Not Receive Your Refund has you covered. You can also contact our research team. 
How to get a refund guide

Picture

Four Must-Know Tips

Before you do anything, know these facts:
  1. A “strictly no refund” policy has no teeth. If the product or service you were provided with has a major problem, you will always be entitled to a remedy regardless of a seller’s refund policy. Businesses are not allowed to create their own refund policies in substitute of the law.
  2. Do not take faulty products to a third-party for fixing before you contact the seller. If you notice a minor defect with the item you purchased, raise the issue with the seller immediately. Going to someone else for repairs before discussing the issue with the seller will cancel your right to a remedy. Unless the seller has agreed to foot the repair bill, you will have to pay the third-party out of your own pocket.
  3. Do not buy anything that you know is defective. Buying a product after you have been made aware of its faults implies that you have acknowledged the defects and are willing to accept it. You cannot later claim any remedies under the Consumer Guarantees Act (CGA) because of any defects that were you were told about before you purchased the item.
  4. Always keep evidence of your purchase. This is especially the case for more expensive purchases. We suggest storing receipts somewhere safe, and taking a photo of physical receipts so you have a digital copy too.
Download Our Refund Templates

How to get a refund NZ

Consumer Law and Your Rights – A Three Step Process to Work out Whether You Have a Claim

By the process of elimination, you can easily find out your legal rights by answering these three questions:

1. Does consumer law cover my purchasing situation?

The Consumer Guarantees Act (CGA) sets out your rights as a consumer, whether you purchase goods or services. The CGA only applies to products or services that are bought for personal or household use from a business. The CGA (and this guide) does not cover:
  • Any products or services you purchase for your business: If both the buyer and seller are businesses, the Contract and Commercial Law Act applies instead of the CGA.
  • Private sales: These are usually purchases made from sellers who do not have a business involving sale of goods and services. For example, buying a suitcase from your neighbour’s garage sale or from someone on Trade Me who occasionally uses the platform to sell unwanted items. Some marketplaces have consumer protection policies to resolve disputes arising from private sales (e.g. Trade Me lists scenarios in which you are protected under its Buyer Protection Policy).
  • Real estate sales

2. Do I have a case against the seller because of a good or service I purchased?
By law, any goods or services that you buy must meet certain standards. If a seller provides you with goods or services that do not meet any one of these standards, the seller may be required to fix any problems you experience.
 
Goods
Any item you purchase should:
  • Do what it is meant to do.
  • Match its description. The product should look and function as it states on the packaging, and on advertisements. If you were shown a sample or a model before purchase, the item you purchased should be practically identical.
  • Be in good condition. This means that the item is free of any defects and is safe to use. This also applies to items that have been delivered by post or courier, so you may have a claim if your item was damaged during delivery. If you buy something secondhand, “good condition” may mean something different to buying a new item.
  • Last a reasonable amount of time. A product you bought should not break within a few days of purchase. How long is reasonable depends on the item and the circumstances of purchase. A washing machine would probably be expected to last longer than an electric toothbrush, and a new lawnmower would be expected to last longer than a secondhand one. 
  • Arrive on time.
  • Fit the purpose that you told the seller about.
 
Services
Any services that you pay for should:
  • Be carried out with reasonable care and skill.
  • Be completed within a reasonable time.
  • Be priced reasonably. This only applies if the price has not been agreed in advance (e.g. shown on a price tag, at the checkout or on a quote) and you have not paid yet.
  • Fit the purpose that you told the seller about. For example, you paid a company to install blackout curtains in your dark room and you specifically asked for the curtains to block out all light. After installation, you discover that the curtains do let light through.

3. Which remedy can I get?
If you have a case against the seller, the next step is to identify what your options are. Generally, a seller will provide you with a refund, repair or a replacement. These solutions are called “remedies”, as they are meant to fix your dissatisfaction with a faulty good or service. Which remedy you are entitled to depends on the severity of the problem.

Is it a major or a minor problem?
To help you figure this out, some questions to consider when determining whether the issue is a major or a minor one are:
  • How often has the problem occurred? If it has happened several times already, it is more likely to be a major problem. A series of minor problems can add up to become a major problem
  • Would a regular person have bought the item if they had known about the problem beforehand? If the answer is "no", it is more likely a major problem
  • Can it be fixed relatively easily? If so, it is more likely a minor problem
  • If the product or service is different from what was described, how much different is it? If the difference is significant, it is more likely a major problem
  • Is the product unsafe? If so, it is more likely a major problem

Minor problem
If there is a minor problem, the seller can offer you a repair, replacement or a refund. Which remedy you are offered is up to the seller. So, if the seller offers you a replacement but you want a refund instead, the seller does not have to give you a refund. It is important to remember that you are entitled to a remedy, even if the problem is minor.

Major problem
The tables turn if there is a major problem, in which case you have the right to choose the remedy. Where there is a major problem, the best choice would be either a full refund or a replacement. If you ask the seller to repair a damaged item, be prepared to wait days or even weeks before you receive the fixed item. 
An example of a major problem would be a TV that does not turn on, or an electric kettle that does not get hot enough to boil water.
Download Our Refund Templates

How to get a refund NZ

What Should I Know about the Various Remedies?

We outline the options you have, from repair to claiming for losses:

1. Repair
  • If a seller offers to repair minor defects, the seller will either fix it themselves or pay for someone else to fix it. They may offer you a replacement in the meantime.
  • The seller must conduct repairs within a reasonable period. What is “reasonable” is how long it would take another seller to sort your repair.
  • If the seller refuses to fix the problem or the repairs are taking longer than a reasonable time, you can ask someone else to repair your item and then claim these repair costs from the seller.
 
2. Refund
  • If you want to claim a refund, you are only entitled to a refund of the price you paid for it. You can’t ask for a refund of the regular retail price if you bought an item on sale, so if you paid $49.99 for a pair of jeans that is usually $69.99, the maximum refund you could receive is $49.99.
  • You will receive your refund via the method you used to pay. For example, you will be given cash if you paid in cash.

3. Replacement
  • If you are offered a replacement item that costs more than the original item you purchased, you will have to pay the difference in price.

4. Consequential loss
  • The seller must cover all foreseeable additional costs caused by the issue.
  • Let’s say you asked for a full refund because the fridge you bought was faulty. You could ask the seller to pay for any food that spoiled as a result of the fridge not working. If you paid for a technician to help you identify the issue, you could recoup this cost from the seller too.
  • However, if you chose to purchase takeaways because your fridge was not working, you cannot claim these costs from the seller. This is because it was your decision to order takeaways – the faulty fridge didn’t cause you to do this.
Download Our Refund Templates

How to get a refund NZ

Take Action – Three Tips to Know Before Asking for a Refund

By this stage, it's likely you are confident that you have a claim against the seller, and you want to exercise your consumer rights. The final step is taking action.

Three key tips before you write that refund request:
  1. If you discover a problem, you should notify the seller as soon as possible. If there is an issue with the goods or services that you purchased, you must notify the seller within a reasonable time frame. For example, you have a weak case against the seller if you wait two years after discovering a faulty plug on your iron before bringing a claim. What is reasonable depends on factors such as what type of good or service it is, how long a similar good or service would last for, and how often you have used the good or service.
  2. Evidence is key. Make sure you have proof of purchase – the best form would be a receipt or invoice, but a bank statement may work too. You also want evidence that shows what the problem is. In most cases, sending the faulty item back to the seller or bringing it in store to show them will be enough. We also suggest taking photos and videos of the problem in case the issue is not clear to the seller, or the issue somehow disappears right when you show the seller.
  3. Be polite and considerate when communicating with the seller. Especially at large retailers, the person who handles your refund request would have had nothing to do with the fault. Your problem is with the product or service, not the person with a customer representative role. You are more likely to achieve a better result if you are courteous and you take a problem-solving approach, rather than a critical approach.
Download Our Refund Templates

How to get a refund NZ

Seven Templates to Help You Request That Refund in Minutes

Many New Zealanders often tell us that they would love to get a refund or replacement, but they have no idea how to go about writing that email or navigating that phone call. To help solve this problem, we have put together seven templates to make this easy for you. The process should take less than five minutes with our easy-to-use resources.

Download our templates for the following purposes:
  1. If you want a refund or replacement for a faulty product
  2. If you want your faulty item repaired
  3. If you bought the item for a specific purpose
  4. If the item you bought did not match the description or what a sales assistant told you
  5. If the item you bought was damaged in the post
  6. If the item you purchased was meant to be delivered but did not arrive at all
  7. If the item you purchased was delivered late

We have included paragraphs to help you in case:
  • The faulty item you bought has damaged something else you own
  • You have had to pay for certain things because of the faulty item
  • There is a warranty attached to the faulty item

To use the templates, select the best one for your situation. Then, replace any text in [red square brackets] with the necessary details. We have used (blue italics) for instructions to guide you through using the template – remember to delete these instructions before you hit “send”.

How to get a refund NZ

Frequently Asked Questions

Does the CGA cover faulty items that I bought second-hand?

It depends who you bought the item from and where. The CGA applies to sellers who regularly sell second-hand goods, such as thrift stores or at auctions.

Can I return an item or get a refund if I have changed my mind?

This depends on your seller’s change of mind policy. Under the law, you are not entitled to a refund simply because you have changed your mind. To protect yourself, you should check a seller’s policy on returns or refunds in case you change your mind after making a purchase.

Can I return a piece of clothing that does not fit me?

This depends on the seller’s exchange policy. Deciding that an item does not fit you after you have purchased it is similar to “changing your mind”, which does not give you a right to a refund or replacement. However, if the item does not fit you because it is faulty (e.g. the zip does not work), then you have a right to return the item.

Can I return something I bought on sale?

Yes, if there is a major problem with it. However, it is up to the seller if you want to return an item simply because you changed your mind.

What if I accidentally damage the item?

If you damage the item, whether by accident or on purpose, the seller does not have to repair, replace or refund your purchase. This also applies if you do not follow the seller’s advice, e.g. you do not follow the instruction manual when using your new air fryer, or you insist that your bathroom repairs are done with cheaper material despite your repairer suggesting otherwise. Similarly, if your problem happened because you modified the product somehow, the seller is not required to provide you with a remedy.

What if an accident damages the item after I have purchased it, but the damage is not my fault?

It depends on the nature of the accident. For example, a plumber does not have to give you a remedy if an earthquake damages your plumbing system. However, if you ordered items online and they arrive in damaged condition, you are entitled to a remedy. In this case, the seller will probably investigate why your order was damaged in transit. If the damage had nothing to do with you, you are entitled to ask for a refund or replacement.

Can I get a refund, repair or replacement if I buy online?

Yes, you can. You can enforce your consumer rights regardless of whether you purchased online or in person. Enforcement becomes trickier if the seller is based overseas, so check to see if the seller is New Zealand-based. Your best bet will be to first check the seller’s refund policy and then their dispute resolution process if you are unsatisfied.

If you do buy a faulty product from an overseas buyer, you may be able to ask your bank for a credit card chargeback (explained in our guide here). If you bought the item from an overseas seller via a private sale (e.g. on eBay from a person who only uses the platform occasionally), the CGA will not apply.

What happens if I discover a major problem after the warranty expires?

A seller is responsible for providing goods and services that last a reasonable period. Providing a warranty is not a substitute for fulfilling this responsibility. If the product or service comes with a major problem shortly after the warranty expires, you could claim a remedy. For example, if your lawnmower came with a two-year warranty but broke down after two years and three months, you may be entitled to a remedy. If you have used the lawnmower in an ordinary fashion, it should last well over two years

I bought an item that does not work at all, and the retailer is offering me store credit as a solution. Do I have to accept this?

No. If the item is faulty, the seller must repair, replace or refund you.

I bought a faulty item, and I want to return it. Who pays for postage?

This is a rather murky area, with different sources saying different things. MoneyHub’s understanding is that you will usually cover the costs of returning the item, unless doing so is expensive or complicated (for example, if you would have to arrange for whole furniture set to be sent back). If there is a major problem, the seller will repay the postage and delivery costs. If there is nothing wrong, usually you will pay for postage.
Download Our Refund Templates

How to get a refund NZ

Concluding Remarks

  • The everyday person does not often get the opportunity to exercise their rights and take the law into their own hands.
  • The good news is that when it comes to purchasing goods and services, the Consumer Guarantees Act gives power to the little guy if the little guy has bought faulty goods or unsatisfactory services.
  • Consumers can take action and demand a solution, whether that is a refund, repair, or replacement. 
  • With the help of MoneyHub’s seven templates and comprehensive guide, understanding and exercising your consumer rights could not be any easier.

Related Guides
  • What To Do If You Do NOT Receive Your Refund
  • ​Chargebacks for Debit and Credit Cards
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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • For Startups
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  • MSD
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  • Motoring
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  • Law
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
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    • Money & Relationships
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      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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      • Graduating Without a Job
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  • Financial Independence
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      • SortMe Review
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    • Tax
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  • Life Essentials
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      • Paid Survey Websites Review
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      • Free Samples
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Printers
      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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