MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • 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
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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The Definitive 2025 Guide to Internships for New Zealand Tertiary Students

Find internship opportunities and learn how to put your best foot forward during the recruitment process with our guide.
Internships Guide NZ
Updated 19 February 2025
An internship provides a valuable opportunity for any tertiary student to work at an organisation while you study. As an intern, you will develop practical skills, access networking opportunities, and gain insight into what life is like at the place you are interning at. If all goes well, you may also be offered a permanent role after your internship.

Ultimately, an internship is a try before you buy opportunity, allowing you to make an informed decision on whether you would like to work for the same organisation as a full-time employee.

Know This: 
Finding internships and applying for them can be a daunting process, especially if you have never applied for a "professional" role before. This guide aims to demystify the process and give you practical tips to help you succeed. 

Our guide covers:
  • Why you should apply for internships
  • ​​Internships list
  • Finding the right internships: when you should look out for them and where you can find them 
  • How should you prepare throughout the internship application process?
  • What should you do at the end of the application process?
  • Frequently Asked Questions

Important: This guide is for tertiary students seeking an internship to gain work experience related to their tertiary studies or in a role they are interested in starting full-time work. Students interested in part-time work to earn money while studying should visit our Student Jobs guide.
Internships List

Internships Guide NZ

Why Should You Apply for Internships?

There are many reasons internships offer tremendous value to students, including:
  • If the internship is in a role related to your area of study, you get the opportunity to put your learning into practice
  • You gain valuable work experience and a chance to develop essential skills
  • You gain industry exposure and access to experienced professionals in your field
  • You may be offered a full-time role after your internship   
  • You may be able to earn some money while you are interning​
MoneyHub founder Christopher Walsh shares his experience of an internship:
"I applied for a couple of Big 4 Accounting firm internships and was offered a summer role in Auckland. The firm hired about thirty summer interns that year, with most of them Auckland-based positions. The most valuable part of the summer was experiencing how the firm operates and what the work is, and whether or not you like it.

​An internship gives you the opportunity to learn as much as possible to give you the strongest start if and when you join as a graduate. I wouldn't have been as confident starting a full-time job without having done an internship, and I highly recommend the experience". 
​
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Internships NZ List

List of New Zealand Internships Offered in 2025

  • The lists below categorises employers based on the area of study that most of its interns will come from. Some employers offer internships to students from other areas of study too – we have indicated if this is the case.
  • This list does not include organisations offering fewer than 5 internships as part of its internship intake.
  • Most of the positions below are based in Auckland and Wellington. 

​Business Students

These employers offer internships in business-related roles, ranging from finance to marketing and supply chain. Some internships are suitable for non-business students too (e.g. consulting and risk internships).
  • ANZ (also relevant for students studying law and engineering)
  • ASB (also relevant for students studying law and engineering)
  • Audit New Zealand
  • Baker Tilly Staples Rodway
  • BDO
  • Deloitte (also relevant for students studying law and engineering)
  • EY (also relevant for students studying law and engineering)
  • Fonterra
  • Goldman Sachs
  • Grant Thornton
  • Jarden
  • KPMG (also relevant for students studying law and engineering)
  • PwC (also relevant for students studying law and engineering)
  • Unilever

​Engineering Students

While most of the internship providers listed here seek engineering interns, some employers also offer corporate roles suitable for business students.
  • Aecom
  • Arup
  • Aurecon
  • Beca
  • Datacom
  • Downer
  • Fisher and Paykel Healthcare
  • Fletcher Building
  • KiwiRail
  • Microsoft (also relevant for students studying business)
  • MYOB (also relevant for students studying business)
  • PowerCo
  • Tonkin + Taylor
  • WSP
  • Xero (also relevant for students studying business) 

Law Students

Law internships are offered only to law students.
  • Anderson Lloyd
  • Anthony Harper
  • Bell Gully
  • Buddle Findlay
  • Chapman Tripp
  • Dentons Kensington Swan
  • DLA Piper
  • Duncan Cotterill
  • Meredith Connell
  • Minter Ellison Rudd Watts
  • Russell McVeagh
  • Simpson Grierson
  • Webb Henderson

​Public Sector Internships for Students from Various Areas of Study

  • Auckland Council
  • Ministry of Business, Innovation and Employment
  • Ministry of Education
  • Ministry of Foreign Affairs
  • New Zealand Treasury
  • Reserve Bank of New Zealand
Internships Guide NZ

Finding the Right Internships

​A big part of the internship application process is identifying which employers offer internships and whether you are interested in any of these opportunities. This section will outline when and where you should look out for internships.

When should you consider applying for internships?

Most internships are aimed at penultimate year students (students in their second to last year of study), but you should begin thinking about internships well before your final year. To prepare, there are a few steps you can tick off before the internships you are interested in begin accepting applications – we cover these below.

Know This: The timing of internships can vary based on industry, the organisation's size, and whether the internship is to be completed over the summer, the whole year, or a period in between. We have listed the usual peak recruitment periods for a few popular industries in New Zealand: 
  • Business: Late Jan-April and July-September
  • Law: Mid-March to May 
  • Engineering and Science: July-October
  • Public Sector: March-April 

Your university will announce applications openings around this time via the Careers Office and your department or faculty. 

Internships Guide NZ

The Best Place to Find Internships Advertised or Promoted

There are many internship opportunities available during these peak recruitment cycles and throughout the year. We have listed ten places you could use as a starting point for your search:
  • Start with your favourite organisations. What is your dream organisation to work for? Go to this organisation's Careers page and see if they offer internships. Stay up to date with any recruitment news by following this organisation on LinkedIn and subscribing to email updates related to employment.
  • Next, apply to the largest organisations in your area of study/interest. The more interns an employer is looking to take, the better your chances will be. 
  • Ask older students or alumni in your field of study or in the area you are seeking an internship in. They may be able to provide you with a list of places they applied for and give you tips for applying to specific organisations. They may even be able to put in a good word for you to the recruitment team at the company you want to intern for.
  • Get in touch with your tertiary institution's careers and employment services. Universities will often have a university-wide employment service (e.g. Career Development and Employability Services at The University of Auckland, Careers and Employment at Victoria University of Wellington) who can help you out. Your institution's careers website should contain many helpful leads.
  • Your university / tertiary institution may also have faculty / subject-specific careers advisors who can provide more tailored internship advice. Visit your tertiary institution's website or speak to your faculty/department to find out who your advisors are. 
  • Attend career expos at your university or tertiary institution. Employers who attend these expos often offer internship roles. You will get the chance to learn more about the internship and the organisation by talking with current employees. Often, a person who is involved with the recruitment process will also be there – this provides you with a great chance to get the inside scoop on the application process.
  • Browse opportunities on internship and graduate employment websites. Platforms you may find useful are: 
    • NxtStep: lists internship, graduate and scholarship opportunities. NxtStep also provides a handy calendar view of upcoming application dates and includes a student-centred advice section. 
    • GradNewZealand: lists internship and graduate opportunities. The website also contains resources for the application process, alongside stories from successful interns and graduates. 
    • SEEK: while SEEK does not focus specifically on internships, some organisations do advertise intern roles on SEEK. 

Other options:
  • You could also search job seeking platforms, such as TradeMe Jobs. These websites are less focused on internships, so you may not find as many intern opportunities. 
  • You may also be interested in internship programmes that focus on certain student segments. These include:
    • Tupu Toa: places Maori and Pacific students in corporate, community and government internships over the summer break.
    • Summer of Tech: offers paid entry-level IT and Design internships, usually over summer.

If you have working rights in another country and are open to completing an internship outside of New Zealand, you could also consider internship and graduate recruitment websites for other countries. 

To maximise your chances of success, we suggest applying to 5-15 different internship opportunities. In theory, you should apply to as many relevant internships as you can find, but juggling too many active applications can be overwhelming. ​
Internships List

Internships Guide NZ

How Should You Prepare Throughout the Internship Application Process?

Internships applications are easier when you have some work or volunteer experience, become familiar with the company you're applying for and understand the job you hope to do. Preparation is essential, as we outline below:

What can you do before internship applications open?

Once applications begin opening for the organisations you are interested in, you may find yourself juggling multiple applications on top of your academic workload and other commitments. To minimise your stress during this time, here are three steps you should take to prepare before applications open: 

1. Add to your experiences.
These can be paid or voluntary. Ideally, these experiences will allow you to demonstrate leadership, interpersonal skills, and skills relevant to the intern role you are applying for. You could pick up a part-time job, join a student organisation at university, get involved in competitions and programmes in your areas of interest, or volunteer for causes you are passionate about. 


Unique experiences in your CV and cover letter are more likely to leave an impression on the person screening applications, increasing your chances of progressing to the next stage of the recruitment process. Being able to draw on a variety of experiences will help you in the interview stage, where employers often ask about how you responded in certain situations in the past.  

2. Learn as much as you can about the organisations you will be applying for.
Look at their website and understand their values, the types of work they do, and what sets them apart from their competitors. Connect with the team responsible for intern and graduate recruitment before applications open, so you have a better chance of getting useful feedback. If you know students who interned at the organisation before (or are working there now), ask if they would be happy to chat with you about their experience. If you are comfortable, you could ask these students to introduce you to someone more senior at the organisation so you can gather another perspective. 

3. 
Reach out to your tertiary institution's employment services team.
They will be able to help you with your CV and cover letter so you will be ready when applications open. The team will also be able to help you identify organisations to apply to. 

Internships Guide NZ

The Internship Application Process - What Can You Expect?

Staying on top of the key stages of the application process will ensure you have time to prepare thoroughly. As the exact application process differs for each employer, make sure you gather as much information as you can about what to expect. Generally, you can expect a large organisation's internship application process to include:

Step 1: An online application usually requiring a CV and cover letter. Some employers may also ask you to write answers to certain questions they provide you. Check out our guide to Writing Cover Letters.
  • What are the chances you will encounter this step? Almost always

Step 2: A psychometric test to screen applicants. Psychometric tests are designed to test any combination of your numerical, logical and literary competency. Some psychometric tests are situational, designed to test how you would react to certain scenarios while on the job.  
  • What are the chances you will encounter this step? High

Step 3: A recorded video or phone interview. Employers use these interviews to gauge your verbal communication skills, background, work experiences, and personality. Video interviews at this stage generally don't involve an interviewer; you will be asked to record your answers to questions the employer has set in advance.
  • What are the chances you will encounter this step? Medium

Step 4: An assessment day, where applicants are evaluated based on several activities set by the employer. Assessors will observe applicants' interpersonal and job-related skills.
  • What are the chances you will encounter this step? Medium-low (typically only at very large employers)

Step 5: Face-to-face interview for interviewers to gain a deeper understanding of applicants' experiences, motivations and fit for an intern role. To boost your confidence going into interviews, visit our guide on preparing for interviews.
  • What are the chances you will encounter this step? Almost always

Know This: The internship application process for smaller organisations is likely to only consist of:
  • A CV and cover letter for initial screening
  • A face-to-face interview
Internships List

Internships Guide NZ

Next Steps - Acceptance or Rejection

Each internship application will either end with a rejection or an offer for you to join the organisation. We have listed a few considerations for you depending on the outcome of your applications:

If you do not progress through to receiving an offer: 
  • Don't be disheartened - internship applications are highly competitive, and luck often plays a part in determining who receives offers. 
  • Assess what you can do better in future applications. Ask for feedback from the recruiter if you did not make it to the interview stage. If you did make it to the interview stage, connect with your interviewer to understand what you could do better next time.
  • Keep applying for other opportunities that are still open, or lookout for opportunities that open up later in the year. 

If you receive an offer from an organisation, you can expect:
  • You will be sent a contract. Review its contents and make sure you are happy with what you are signing up for.  
  • Large organisations may have post-offer functions soon after offers are sent out to convince you to join them for your internship. Use this chance to meet other people in the organisation and other students you may be interning with. 
  • You will receive further information closer to your internship start date about the logistics of the internship. If you do have any questions before then, you should reach out to the person in charge of intern recruitment. 

If you receive offers from more than one organisation:
  • Determine what the deadlines are for accepting or rejecting an offer. This gives you a perspective on how long you have to make your decision. 
  • To help you think about which offer to accept, you could consider:
  1. What are the learning opportunities like? A big part of the internship is learning and professional development. You want to find an employer who supports these objectives.
  2. You may want to evaluate the formal training the organisation offers, how much the work they do aligns with your interests, and what kind of learning/teaching culture the organisation has. Connect with the person in charge of intern recruitment, as well as people you met throughout the application process, to find out this information. 
  3. Throughout the application process, which organisation's people did you like more? Which group of people would you be happiest to spend time outside of work with?
  4. If you wish to secure a graduate role after your internship, which firm has a better track record of converting their interns into graduates?​

Internships Guide NZ

Internships - Frequently Asked Questions

Internships aren't usually complicated, but it's perfectly understandable to have some queries. We outline and answer the most common questions below.

Are internships paid?

​While interns are usually paid for their time, some employers may offer unpaid internships. An unpaid internship is essentially volunteering, so you should not be taking on heavy responsibility that is critical to the organisation. As a volunteer, you will not be protected by employment law. When you are applying for internships, make sure to check whether a role is paid or not. 

I am not a penultimate year student. Should I still apply for internships?

​Often, organisations only take penultimate students; students early on in their degree may not have the necessary skills yet to get the most out of an internship. Unless the organisation has explicitly stated that they only take penultimate year students, you should try your luck and apply anyway. Some organisations will offer internships to non-penultimate year students who impressed them. 

I am an international student. How should I approach internship applications?

​Most New Zealand internships require applicants to have working rights in New Zealand. Check your visa or contact your tertiary institution's international student service for support. If you are unable to work in New Zealand, consider applying for internships in your home country or other countries where you have working rights. You could also look for unpaid positions in New Zealand to gain experience. 

I am applying for several internships at the same time. How do I manage all these different applications?

​Create a spreadsheet to track your applications. You should include key dates, important contacts and their details, and the status - e.g. have you sent in your application? Have you been offered an interview? Are you waiting to hear back from the organisation?

How much do employers care about grades?

​This differs based on each employer. Your academic record is often used to screen applicants at the first stage: the employer may have a minimum grade requirement you have to meet to progress to the next stage. Because of this, it is important to not neglect your grades. After this initial screening, grades often form a very small part of the evaluation process. 

Am I guaranteed a graduate role after my internship?

​Usually not. The internship is an opportunity to demonstrate to your employer why they should hire you for a graduate role – treat it like an extended interview.

I want to do well during my internship to convert into a graduate role. What should I do to increase my chances?

​Start by having a chat with your manager about their expectations for interns. If you are comfortable, you can mention that your goal is to receive a graduate offer at the end of the internship. Having this discussion shows you are proactive and willing to learn. 

Further emphasises your willingness to learn throughout your internship. Put your hand up for opportunities and offer your help wherever you can. Take ownership of your work and ask for feedback often. 

Bring a positive attitude. If your co-workers enjoy working with you, you are far more likely to receive a return offer. Make an effort to get to know as many people as you can throughout your internship.
MoneyHub founder Christopher Walsh shares his experience of an intern and graduate recruitment:
"After working for my Big 4 Accounting firm for a year, I was asked to go on a roadshow to a few universities around New Zealand and talk about our firm. The students who got jobs usually had one thing in common - they had a great attitude. As a second year employee, those people who you want to work with are those who go to the top of the pile with hiring managers and HR.

The online applications and testing are all done as a standard process, but attitude stands out. This is why someone who wins all the prizes in Finance won't always be offered internships - attitude is what employers look for. Genuine enthusiasm goes a long way when applying for internships". 
Picture
Internships List

Related Guides​
  • Common Interview Questions for Student Jobs
  • Cover Letters for Student Jobs in New Zealand
  • Student Jobs

CV Templates:
  • Download our Student CV Template (traditional style)
  • Download our Student CV Template (modern style)

​You can also see our Sample CV to check you're on the right track.
  • Download our Sample CV (for reference - traditional style)
  • Download our Sample CV (for reference - modern style)
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  • Credit Cards
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    • Reviews
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        • Qantas Credit Cards
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  • Banking & Savings
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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  • Travel Insurance
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  • Mobile & SIM
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  • Power
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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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  • Financial Independence
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  • Life Essentials
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    • Shopping Resources
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    • Health & Personal Care
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  • Trade Services
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