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
        • Cove Car Insurance - Real Customer Reviews & Facts
        • 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
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • 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
      • Attending the Singapore FinTech Festival
  • 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
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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How to Start a Business in New Zealand

​Want to start a business? Our guide exclusively reveals everything you need to know to have the best chance of surviving and thriving, with expert tips and must-know facts.
Picture
Updated 20 July 2024
Summary
  • Recessions and high-interest environments are tough, and in a crisis, many people look for opportunities. Great companies are often founded in dark times, and there is never a wrong time to start a business if you believe in your product or service, and it makes sense economically.
  • New Zealand is a small country, and the market opportunities are limited compared to the USA, UK and even Australia. TV shows such as Shark Tank and Dragon’s Den don’t work in New Zealand because there aren’t tens or hundreds of millions of people to market to. While the NZ government makes starting a business incredibly easy, getting traction and customers to make your business viable can be a struggle.
  • Sales (and cash flow) are everything - if you're not comfortable to sell goods or service and then chase up money you're owed, running a business will be near-impossible.
  • A business can have the best product or service, but without customers, it’s pointless. The only problem a business has is a lack of sales. Anything else can be solved (shortage of staff, issues with the product). But sales are everything and a business is nothing without them.
  • A passion for what your business does is going to make things so much easier. For almost every new business, the owner will work endless hours to get sales and grow the reach of the business. To make it work, you have to have a passion for the product or service you're selling. If your main goal for getting into business is to get rich, things may be more difficult than you think. Valuable businesses take time to build which means you'll need to be patient to turn a profit.

Our guide covers:
  • Business Basics You NEED to Understand First
  • 10 Ways to Save Money Running Your Business and Form Great Habits
  • ​8 Steps to Start a Business in New Zealand​
  • Final Thoughts from MoneyHub Founder Christopher Walsh

Start a Business in New Zealand

Six Business Basics You NEED to Understand First

​Understanding our six important terms, and why they are essential to running a business, will give you the best chance of business success

"Leads"
  • Whatever you’re selling, ‘leads’ mean potential customers who you’re working with to ‘convert’ into sales. For example, if you’re selling home installation or solar panels, a lead is someone who has browsed your website and made contact with you asking for a quote.
  • While food and beverage businesses like cafes and coffee trucks don’t have leads per se (other than customers who walk into the store), for everyone else, leads are the most important relationship to manage in any business.
  • If you’re selling soap online, a lead is someone browsing who adds three bars to their cart but doesn’t check out. Turning a lead into a sale needs persistence and confidence, and an established sales process to underpin it. To know more, look at this comprehensive guide which gives helpful tips you can use to nurture leads and turn them into sales.

"Turnover"
  • Turnover is the total revenue/money your business brings in.

"Cash Flow"
  • Cash flow is defined as the money that goes into and out of a business. Cash flow (or a lack of money coming in) is the #1 cause of business collapses. Getting cash into a business is essential; having product/services in demand, shorter payment terms, reliable customers (who pay) and reducing overhead costs are all ways to help cash flow. 

"Debtors"
  • Debtors are the people who owe you money. For example, you supply coffee to a number of cafes. You send them the coffee and an invoice and they pay you later. It sounds simple, but it is not.
  • It’s a fact of business that your customers will pay late. This isn’t as much of an issue for the likes of restaurants, cafes and shops, but service-based businesses most often send invoices after work is completed and then wait to be paid. Our guide on Chasing Debtors helps get paid as quickly as possible without losing customers or wasting time.

"Secured and Unsecured Creditors"
  • Creditors are people your business owes money to. For example, if you’re a restaurant, your creditors are likely to include the landlord, food suppliers, accountants and alcohol merchant.
  • Secured creditors are organisations who have lent you money but have some rights over your business, such as banks or finance companies. If you don’t pay a secured creditor, they can petition to have your company liquidated (meaning wound up). This is why keeping up to date with your bills is very important.

"Net Profit"
  • Net profit is what is left over after you pay all of your costs. For example, if your business turns over $100,000 and all of your costs add up to $80,000, your net profit is $20,000. If you apply company tax to this, which is charged on the net profit (currently 28%), you are left with $14,400 (as $5,600 is paid as company tax). The long-term aim of your business is to report a net profit.
  • Many businesses aren’t profitable, i.e. Uber, WeWork and, most recently, Air New Zealand, but they continue to trade as the losses are funded by their investors and/or borrowing from banks and other lenders. As a small business, you won’t have access to the borrowing opportunities that big businesses have.
  • This means you’ll need to rely on cash flow to fund your operations. If your sales are less than your costs for a sustained period of time, you’ll run out of money and go bankrupt. Sadly, it's a lack of profit and financing that means 90% of new businesses go bust after five years.

Start a Business in New Zealand

10 Ways to Save Money Running Your Business and Form Great Habits

Setting up a business costs money, but RUNNING it day to day can be even more expensive. If your sales are less than your costs, it will get stressful very quickly. Ultimately, being lean and mean with your expenses from day one gives your business the best chances of success.

Know this: When you’re starting out, it’s tempting to buy everything you (think) you need. The reality is that money will soon be in short supply, and unless you’ve got big investors, your sales need to cover your costs. Our top 10 list of ways to save money from the outset are:
  1. Invest in Xero (or a similar accounting firm) – it costs around $60/month but manages all of your revenue and expenses, so you can see where every dollar goes. You can set up automatic notifications that re-send invoices to clients who haven’t paid you after your due date.  
  2. Don’t overspend on a website – you can build your own using great tools like Weebly, or hire a small business web designer (we have listed some here). Make sure the hosting is good value as well, and you can self-edit your website so you’re 100% in control.
  3. Don’t sign up for subscriptions you don’t need – it’s tempting to get all the latest tools but focus on the essentials and save money.
  4. Be stingy with marketing expenses – Facebook ads and Google ads can cost thousands of dollars a month and deliver very little unless you’re an expert. To learn how to advertise effectively, look at Neil Patel’s guide. The most effective way to bring traffic to your website is to publish useful content. MoneyHub, for example, spends $500/month on advertising but receives well over 200,000 visitors. Advertising can easily suck up your money and leave you with nothing. For guidance about how to create content Google loves, read Brian Dean’s Backlinko guidance.
  5. If you need a car or work vehicle, look at leasing rather than buying. It can save you money upfront and protect you from expenses – our vehicle leasing guide explains more.
  6. If you’re looking for business insurance, compare providers – our guide to business insurance and public liability insurance has you covered.
  7. Business banking is not all the same – many banks offer better deals to attract new customers. Our guide to the best business accounts and credit cards outlines the best offers available right now and everything you need to know.  
  8. Know what’s involved when it comes to screen printing, graphic design and web design before committing to any provider. This way, you’ll know how to negotiate and save money.
  9. Get a business email for around $5 a month with Google. We think Google’s GSuite (formerly known as Google Apps) is the best provider, with simple integration into any domain. It also makes your business look much more professional, i.e. [email protected] is an arguably more professional email address than [email protected]. You pay monthly automatically with a debit or credit card and have access to Google’s support helpline should any problems arise. You can integrate the email into any phone or device just like a Gmail account.

Start a Business in New Zealand

8 Steps to Start a Business in New Zealand

MoneyHub

Make sure your idea is viable

Our Product Market Fit guide is a good starting point if you already have a product or service. If you don't, writing a business plan is a good place to start, and the excellent Xero business plan template guide helps you work through the essentials. Still, what’s on paper doesn’t really map on to the real world. To best evaluate your business idea, look at the potential competitors and see how they operate. You’ll need to know as much as possible about the specifics of what you’re operating and where it will be located.

For example, if you’re planning to open a café, spend a day or two making time to count the number of customers who visit other cafes in the area you want to open in. You need to measure footfall to get a reliable estimate of potential customers, as well as count the number of neighbouring parking spaces ascertained. To make an informed decision, you’ll need to know rent costs, the number of competing neighbours (i.e. other cafes), busy times (for staff planning) and countless other factors. Starting a new business takes considerable time and effort, and no decision should be rushed.

Bonus tip: No matter what your business is, an online presence is really important. You’ll want to be as close to #1 on Google as possible with a website.

Essential information: how popular is my business idea?
Before you go ahead, it’s useful to know how many people use Google each month to find a business like the one you’re proposing, and how much competition there is.
  • The Google Adwords tool is free to use – just register and navigate on the ‘search volumes’ functionality, setting the location to ‘New Zealand’. You can then search by any keyword to see the volume. For example, ‘Screen Printing Auckland’ receives between 1,000 to 10,000 searches a month, whereas ‘Chiropractor Tauranga’ gets 100 to 1,000 a month.
  • While this isn’t a science, it does help you plan if you’re planning to start a standard trade or service-based business.
  • This excellent guide explains the entire process in detail.

Have passion, and perseverance will follow
To build a successful business, you need to have sales and passion for what you’re doing. If you’re going into real estate because you think that’s where the money is (but don’t care about homes and property), then it’s probably going to be hard to attract customers. The same applies to cafes – a passion and love for creating atmosphere and great food means you’ll enjoy what you do and strive to be the best. Starting a business to make money as the number one priority is, arguably, tricky to do.
MoneyHub

​Choose a business name and register the 'right' domain name for your website

We can’t offer much guidance on how to select a name, or what names are better than others. However, we do suggest making your business name memorable and relevant will help. Once you've come up with a few names, the useful onecheck tool lets you see if the business name, trademark, domain name and social media username are available.

Don’t rush a domain name
We suggest spending a lot of time coming up with a name but don’t overthink it. Before this website was known as MoneyHub, our founding team contemplated names like ‘MoneyWizard’, ‘Wizard of Money’, ‘MoneyMaster’ and other non-starters. While we settled on MoneyHub, we sounded out a number of business names with friends and family. This is a process that shouldn’t be rushed.

Selecting the right domain name (and extension)
  • When it comes to a domain name (i.e. the website address), having a .co.nz (known as an ‘extension’) is better than a .com unless you plan to sell or trade overseas. This is because .co.nz targets New Zealanders and is more identifiable as a local business, rather than a generic .com.
  • MoneyHub’s research team also believes .co.nz works better for ranking in Google than any other domain for like-for-like search terms and underlying websites.
  • We don’t like using hyphens in domain names, as they become hard to explain and write. For example, Money-Hub.co.nz or Auckland-Quality-Blinds.co.nz don’t quite work as well as 'streamlined' domain names.​
MoneyHub

Choose a business structure

Know this first - you don’t have to register as a company when you start a business. You can operate your business as a Sole Trader, Partnership or Limited Liability Company. A company offers the most protection, but it might not be necessary, depending on your business needs and plans. We’ve outlined the pros and cons of each business type below:

1. Sole Trader
Pros:
  • Simple to set up, with no registration fees. You invoice your customers either in your name or the name of the business. 
  • No company tax - PAYE is how you pay tax, and you can deduct relevant business-related expenses.

Cons:
  • No limited liability - you'll be liable for all debts if your business fails
  • Harder to raise money, take on business debt and expand

2. Partnership
Pros:
  • Businesses as partnerships do not have to pay income tax; each partner files the profits or losses of the business on his or her own personal income tax return.
  • Easy to establish.
  • There is an increased ability to raise funds when there is more than one owner.

Cons:
  • No limited liability - you and your partner will be liable for all debts should your business fail
  • Partnerships aren't as easy to grow as companies if you need to borrow or bring in additional capital. 

3. Limited Liability Company
Pros:
  • No liability for debts (unless personal guarantees are held over your business). Unlike a sole trader or partnership structure, you won’t be liable for the debts. Usually, when a business goes bust, their usual creditors are
  • Professional presence – being called ‘McNeill & Co Plumbing Ltd’ is more professional than being known as ‘Matt McNeill the Plumber’.
  • Easier to raise money and grow (compared to sole trader and partnership structures)

​Cons:
  • More compliance; you’ll have to manage company accounts as well as make your own tax return. There is also an upfront registration fee (around $200) 
  • Be aware that expanding your business using debt will mean you'll need to give personal guarantees. Per this Stuff.co.nz article, the true nature of the personal guarantees on things like bank debt, business contracts, property leases, car leases and even printer leases that have rendered the term "limited liability company" largely meaningless.

Once you've decided the best structure, register your company, partnership or sole trader operation. You can do that here:
  • Sole Trader
  • Partnership
  • Limited Liability Company
Start a Business Trademark NZ
MoneyHub

Register your trademark

​This is really important to protect your business name. The process is quite straightforward, but you need to get it right from the outset to save time, hassle and money. Once your trademark is accepted, it will be advertised and, if no one objects, it will be approved within about six months. Until then, you can use it as you would as if it has been approved.

But how do trademarks work, and how can you get one? We outline the process below:

Step 1: Decide on your business name and do a search
This will show you if your name is used by another business. It may not matter if it is – what you need to check is the ‘class’ it’s registered under. This is what matters when classifying your business's goods or services, as the IPONZ guide explains. For example, the trademark ‘MoneyHub’ is registered under 'providing online financial information from a computer database or the internet’. The 'class' is basically the area your business operates in. It is daunting to select the most appropriate class for your trademark, given the number of options and many overlaps. To explain it better, let’s work through some examples using the IPONZ tool:

Example 1: Registering a trademark for ‘SmartCat’, a cat GPS tracker for people to know where their cat is.
Our suggestion: Class 9: "GPS navigation device" and related goods and services

Example 2: Registering a trademark for ‘IceBlocka’, a frozen snack aimed at children.  
Our suggestion: Class 30: "frozen confections" and related goods and services

Example 3: Registering a trademark for ‘Farm Fresh Eggs’, a free-range egg company.  
Our suggestion: Class 29: Eggs and related goods and services (such as "hens eggs" and "birds' eggs and egg products")

Please note: The above examples do not constitute legal advice in any form.

Step 2: Register the trademark (or pay a fee for IPONZ to ensure there is no conflict)
Once you’re happy with the class you’ve selected, you can apply for the trademark to be approved ($100) or pay a fee for it to be checked ($50) before you apply. If you’re unsure about your selection, it’s best to pay the checking fee to give you certainty and avoid wasting money.

Step 3 – Wait for confirmation from IPONZ and use the trademark when it is tentatively approved
IPONZ will let you know if they tentatively accept or outrightly reject your trademark application. If they accept it, then you can use it right away. If it’s rejected, you can appeal or apply under a different category or different word.

If you’ve been tentatively accepted, after a few months your trademark will be formally accepted (if there’s no objection) and IPONZ will send you electronic copies of the trademark certificates. You will then need to renew the trademark every ten or so years, which can be done by paying a nominal fee.

Why is this important?
Owning a trademark gives your business a valuable asset which no one can challenge. You won’t have to change your business or product name (unless you want to) and you can use it on your website, marketing, signage and everywhere else without restriction.

Our story: When MoneyHub registered its trademark, we were initially rejected by IPONZ because there was a business called ‘WealthHub’. We appealed the rejection, arguing the names are distinctively different. After reconsideration, we were approved for the use of MoneyHub under "financial advice relating to pension planning", "providing online financial information from a computer database or the internet" and many others. 

But, sometimes the law doesn’t work in your favour, and a legal challenge can be a big hassle. For example, the Australian clothing company Showpo was previously known as 'ShowPony'. After building up a brand and millions of hits on the website, there was a legal challenge over a trademark for the word ShowPony. Ultimately, the clothing company was forced to re-brand. This means getting a new domain name, changing all the clothes tags and re-designing the website and social media channels, among other things. While it didn’t ruin the business, it’s an unnecessary expense and business disruption that can be avoided by registering a trademark right away.
MoneyHub

Understand regulations and compliance requirements

​New Zealand, fortunately, doesn’t have a lot of red tape and compliance, so you’ll usually be able to run your business without too much hassle. However, there are some main pieces of legislation to get familiar with, including the Fair Trading Act, Consumer Guarantees Act and food preparation standards governed by the local council. Most businesses will never (knowingly) breach consumer-protection legislation, but being familiar with the basics is a good idea.

​The excellent Compliance Matters resource helps you find out what matters for your business.
Start a Business NZ
MoneyHub

Set up your banking, insurance, email and website

MoneyHub has the latest guides to help you save money and find the best deals, covering:
  • Business bank accounts (sole traders can use personal bank accounts, such as the Kiwibank FreeUp)
  • Business credit cards
  • ​Public liability insurance
  • Business insurance
  • ​Web design companies in Auckland, Tauranga, Hamilton, Wellington, Christchurch and Dunedin

​Most importantly, don't rush a decision on any of the above. A website is an expensive investment, and if you are setting up a services-based business, it may not be the best investment right away. However, a domain name and business email is an essential purchase and won't cost more than $100 per year in total. 
MoneyHub

Google My Business (free) is a must, and consider other social media accounts

Social media is hyped up as 'essential' for businesses, but in many cases we don't believe the return justifies the return. The exception being Google My Business and Facebook, which are both free and well worthwhile.

Google for Business - this is essential for placing your business on the Google map. You can also attract reviews, list your opening hours and upload business photos. It's easy, free and instant, although you may have to wait a couple of weeks to verify your address. The earlier you complete it, the sooner you will be on the Google map.

Business Facebook Page - The best approach is to set up a business page, exactly as this guide outlines, to maximise the visibility. 

People have different opinions on the effectiveness of Instagram, Pinterest and Twitter - it really depends on your business industry as to how essential (or effective) they will be.
MoneyHub

Register for GST and understand your tax obligations

When you start a business, you'll usually have to manage GST and income tax returns:

GST
  • ​You don’t need to register for GST unless you trade (i.e. sell) above $60,000. But, even if you don’t, registering for GST lets you claim back GST-inclusive expenses which can be suitable for some businesses more than others, so it may be worthwhile to register right away.
  • For example, if you’re starting a food truck business, there are lots of expenses subject to GST before you even sell your first $5 or $10. For example, you’ll need to buy the truck, fit it out (i.e. install cooking appliances), buy packaging materials and, when you’re ready to sell, buy the food product.
  • All of these expenses have a GST element which you can claim back. For example, if your setup costs are $57,500, including GST, you’ll be able to claim $7,500 back in GST returns (which is 15% of $57,500).
  • But, if you’re going to work as a freelancer, work part-time or know you’ll turnover less than $60,000 per year, registering for GST may not be as beneficial. This is because you’ll also have to charge an additional 15% on your sales.
  • If you’re setting up a business as a self-employed babysitter, tutor, graphic designer or something that doesn’t have a lot of expenses and unlikely to turn over $60,000 in one year, registering for GST probably won’t be worthwhile. If you do register, you’ll have to charge 15% of your sales as GST, meaning your services are relatively more expensive and less competitive as a result.
  • To know more about GST and register using your business details, visit the IRD's dedicated resources.
  • Tax seminars, workshops and videos: The IRD runs free seminars and workshops across New Zealand on topics like getting started in business, GST, and becoming an employer. For more details, visit the IRD's dedicated new business page.

Income tax:
  • If you're earning income from a range of sources, run a business (or more than one), are a contractor or generally 'non-salaried', you'll need to organise your tax filings and make sure you do everything properly to avoid penalties and underpaying (or overpaying) your tax.
  • You can either hire an accountant that charges per hour, do it all yourself or use an app like Hnry. Whatever you decide to do, we argue that apps like Hnry put tax management 'out of mind', therefore allowing you to focus on managing your business.
  • Our tax guide walks you through your responsibilities as a New Zealand tax payer.

Starting a Business - Final Thoughts from MoneyHub Founder Christopher Walsh:

"There is never a bad time to launch a new business. Many great businesses are yet to start and prosper. In our experience, the best businesses are those which set out to solve a problem. Xero solved the hassle of keeping track of paper-based invoices whereas PushPay solved the problem of churches being unable to collect stable week-to-week revenue. But your idea doesn't need to be technology-based. Successful product companies include Ethique, which works to reduce plastic bottle use, and A2 Milk, which makes healthier milk.

Whatever business venture you want to start, we wish you the best of luck. It will be stressful, uncomfortable and challenging, but it will be a lot of fun. I started MoneyHub.co.nz with a $500 investment (logo and graphics, domain name and hosting) so anything is possible if you're dedicated to seeing your vision take off".
MoneyHub Founder Christopher Walsh

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      • Young People and Investing
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      • Reviews
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    • Alternative Investments and Trading
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      • Guides
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        • Guides
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          • Other Coins
            • How to Buy Ripple in New Zealand
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  • Loans & Finance
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    • Credit Scores & Interest Rates
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Students Insurance
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      • Health Insurance
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  • Credit Cards
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      • Kiwibank Airpoints Cards Ending – Best Replacement Options
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    • Balance Transfer Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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        • Qantas Credit Cards
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        • RewardPay Review
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  • Travel Money Cards
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    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
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  • Banking & Savings
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      • Open a UK Bank Account from New Zealand
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      • Depositor Compensation Scheme (DCS) Explained
    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
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    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • Lifetime Home Review
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      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
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      • Mortgage Break Fees
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      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Selling a Home
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      • Bridging Finance
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    • Building a House
      • NZCB Review
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  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
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      • Choosing Your KiwiSaver Scheme
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      • KiwiSaver Must-Know Facts
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    • KiwiSaver Contributions & Tax
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      • What's My PIR?
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    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
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    • KiwiSaver Schemes
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      • 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
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      • Pathfinder KiwiSaver Review
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    • KiwiSaver Calculators
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  • Business
    • Compare Business Loans
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    • Business Insurance
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      • Business Brokers
    • PAYE & Taxes
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    • Business Calculators & Resources
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
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      • PayPal NZ Account Fees
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    • For Startups
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  • MSD
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    • Hardship Assistance - Urgent Costs and Living Expense Assistance
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    • Working for Families Guide
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    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
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      • Food Banks Hamilton Waikato
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  • Motoring
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      • Turners Cars Review
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      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
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      • Gaspy App Review
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      • AA Membership Review
      • Best Car Batteries
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      • Buyer’s Guide for the 2023 Toyota Hilux
      • 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
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
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    • Air New Zealand Specific
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      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
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    • Lounges, Upgrades, Car Hire & More
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      • Air New Zealand Skycouch Review
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      • 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
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Asia
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      • Americas & Africa
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      • Europe
        • France Travel Insurance
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
    • Spark Mobile Review
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    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
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      • Orcon Broadband Review
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      • Starlink Review
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  • Power
    • Compare Power Companies
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    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
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