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
        • Depositor Compensation Scheme (DCS) Explained
        • 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
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • 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
    • 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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  • Banking & Savings
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      • LifeDirect Mortgages Review
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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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    • Health & Personal Care
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  • Trade Services
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    • Hamilton Trade Services
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Best New Zealand Share Trading & Investment Apps

Our guide outlines the investment apps, platforms and options for new and experienced investors alike. Whether you have $100 or $100,000+ to invest, our guide explains everything you need to know
Best Investment Apps NZ
Updated 15 July 2025

Finding the Best Investment App for Your Needs
Investing apps have taken New Zealand by storm since the launch of Sharesies in 2017. While web-based platforms such as ASB Securities have existed for years, the 'Sharesies effect' has made investing accessible for everyone. You can invest as little as 1 cent with Sharesies and $1 on many other platforms, and you can do it from your phone. With the arrival of innovative services like Sharesies, Hatch, InvestNow, Stake, Tiger Brokers and specific fund managers, the range of investing apps continues to grow. Best of all, every innovation directly benefits the New Zealand consumer with lower fees and more choice.

This guide outlines investment platforms and apps currently available to anyone residing in New Zealand. We cover:
  • ​Summary of Best Investment Apps​
  • ​Investment Apps Pros and Cons
  • Our Favourite Investing Apps (for Specific Purposes)
  • Frequently Asked Questions

Know this first: We've included investment platforms that are web-based in our list of investing apps. This is because we believe for the majority of New Zealanders, a web-based interface and an app are both sufficient for the type of investing being conducted. If you do feel as if you need further insights beyond a particular app's offering, we suggest looking at Sharesight as a possible add-on.

Are you looking to understand investment terms? Investment apps can be confusing - our extensive investing glossary outlines must-know words and explains what they mean with relevant New Zealand examples.

Our Favourite Investment Apps

Based on our research and evaluation of the various apps, platforms and interfaces, we believe the five apps stand above the competition based on their offering, features, pricing and service:
  1. Tiger Brokers (NZ): Best Low-Cost Shares Platform
  2. Sharesies: Best App or Platform for Beginners and Auto-Investing
  3. InvestNow: Best App or Platform for Managed Funds
  4. Kernel: Best App or Platform for Specialised Index Funds
  5. Simplicity Investment Funds: Best App or Platform for Low-Cost Index Funds

Disclaimer: Interactive Brokers (IBKR) Exclusion
At MoneyHub, we are committed to providing reliable and locally relevant financial tools and resources. After careful consideration, we have decided not to include Interactive Brokers (IBKR) in our list of recommended investing apps. This decision is based on the following factors:
  1. Regulatory Considerations: Interactive Brokers (IBKR) is not registered with the Financial Markets Authority (FMA) in New Zealand. We prioritise platforms that comply with local regulatory standards to protect investors under New Zealand law.
  2. Local Relevance: Our focus is on promoting investment platforms that cater specifically to New Zealand residents, offering features, support, and services that are directly relevant to our users. By including IBKR, we will have to include any other app available to New Zealand investors, which is not something we wish to do.
  3. Consumer Safety and Trust: Our top priority is ensuring the safety and security of your investments. By listing platforms that meet New Zealand regulatory requirements, we can better guarantee a high standard of consumer protection and trust.
  4. We have reviewed IBKR extensively.

We appreciate your understanding and remain committed to helping you navigate your investment options with confidence.

Know This First: Tiger Brokers (NZ) is our Favourite Low-Cost Shares and ETF Platform in our 2025 Editor's Choice Awards:

New to Investing? Start Smart with Tiger Brokers
If you're ready to start investing, choosing the right platform makes all the difference. We've reviewed and compared every major app available to New Zealanders, and ​Tiger Brokers (NZ) consistently delivers the best value.

Why Tiger Brokers?
Lower Costs = More Money Working for You
  • US shares from just US$2 per trade
  • 0.35% currency exchange - the lowest in New Zealand
  • Free real-time market data (others charge $15/month)
  • No subscription fees eating into your returns if you don't trade/invest

Everything You Need in One Place
  • NZ shares (NZX)
  • Australian shares (ASX)
  • US shares (NYSE, NASDAQ)
  • Asian Markets (China, Hong Kong, Singapore)
  • Start with just $1

MoneyHub Reader exclusive benefits:
  • New customers can receive up to NZ$80 in cash bonuses - get NZ$30 when you open an account and make your first deposit, plus an extra NZ$50 when you deposit at least NZ$2,000 within seven days.
  • 4 free trades every month (forever)
  • Zero FX fees on your first $2,000 monthly
  • Please note, standard T&Cs apply

Real Support When You Need It: Tiger Brokers has a local Auckland team and 24/7 live chat

Getting Started is Simple
  1. Sign up online (5 to 10 minutes)
  2. Fund your account
  3. Invest with small amounts while you learn without being penalised by the big fees that other platforms charge

Ready to start building wealth? Visit ​Tiger Brokers (NZ) and claim your MoneyHub benefits today.

Our view is simple: With all other platforms charging fees (Stake, Hatch, Sharesies, Superhero, etc.) for FX and/or share brokerage/transaction, Tiger Brokers' offer is unmatched in value in New Zealand.

MoneyHub's Editor Christopher Walsh says:
"Tiger Brokers is aggressively priced for global investors. At a time when some platforms are raising fees or lacking innovation, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. With an Auckland-based team, NZ regulation, and continued innovation (NZX investing launched in 2025, auto-invest, fractional shares, and its own TigerGPT chatbot), it's a standout choice for cost-conscious investors and one that I use for US and Hong Kong share investments for the reasons outlined above".
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

Best Investment Apps NZ

Summary of New Zealand's Best Investment Apps

Investment
​Platform
Investment
​Opportunities
Commission 
​& Fees
Minimum Purchase
More
​Information
Sharesies
NZ Shares, NZ ETFs, NZ Managed Funds (unlisted), ASX Shares, ASX ETFs, US Shares, US ETFs
1.90% on the trade with caps:
$25 NZD (NZX shares)
$15 AUD (ASX shares)
$5 USD (US shares)
+
0.50% FX conversion fee (for AU or US trades)
1 cent
Sharesies Review
Hatch
US Shares and ETFs
US$3 per trade (buy and sell)
0.50% FX conversion fee
$1
Hatch Review
Stake
US Shares and ETFs
$3 per US trade up to $30,000, or 0.01% per US trade $30,000 or greater.

Users pay regulatory fees

1% FX conversion fee
$1
Stake Review
InvestNow
ETFs Managed Funds and Index Funds
No platform fees, fund management fees vary
$250
InvestNow Review
Tiger Brokers (NZ)
US Shares and ETFs
Australian Shares and ETFs
Asian Markets
Options
Futures
Varies based on market, but cheaper than Sharesies, Hatch and Stake for US trades
$1
Tiger Brokers (NZ) Review
ASB Securities
NZ and Australian Shares
$15 ( < NZ$1,000)
$30 (NZ$1,000 - NZ$10,000)
0.30% (> NZ$10,000)
Australian trades: AU$30
$1
ASB Securities Review
Simplicity Investment Funds
Index Funds
0.10% or 0.31% p.a. management fee
$1,000 per fund
Simplicity Investment Funds Review
Kernel Wealth​
​Index Funds
0.25% p.a. (core funds management fee)
$1 per fund
Kernel Wealth Review

How do I use an Investment App?

  1. Signing up: For most investment apps, you'll need to be 16 years or older, a New Zealand resident with a New Zealand bank account. There will usually be an anti-money laundering check after you apply. Once approved, you'll set up a login and password. 
  2. Investing: You'll be able to see the range of investments offered, which depending on the app, can be anything from 4 to 4,000+. The investment app will guide you through how to fund your account, either by setting up a regular automatic payment from your bank account, or transferring in a one-off sum. Once your account is funded, you can buy and sell investments based on the current market price. 
  3. Monitoring: Most investment apps have tools so you can see the performance of your investments, helping you make ongoing decisions.

MoneyHub Founder Christopher Walsh Shares his thoughts on shares vs funds (and why it's normal to invest in both):

While it's exciting to pick shares and invest given the potential for significant returns, it's a strategy that few people succeed with over the long term. Research consistently shows that index funds and ETFs, and, in some instances, actively managed funds, tend to outperform individual share portfolios, especially for those without the time, expertise, or resources to research and monitor their investments consistently.

That said, it's completely understandable to want some exposure to higher-risk, high-reward opportunities, and there's a place for that within a balanced investment strategy. A sensible approach is to build a strong foundation with managed funds (index and/or actively managed) and ETFs that provide steady growth while allocating some funds regularly to a portfolio to growth and/or dividend-focused individual shares if you enjoy the process and are willing to accept the risks.

Successful investing isn't about chasing the highest returns but achieving consistent, long-term growth. Diversification is what keeps your investments robust against market ups and downs - by investing in funds, ETFs, and shares, investors can find a balance that suits their risk tolerance and financial goals.

Remember, it's not about beating the market every year -
it's about growing your wealth steadily over time. Please don't rush into share investing - there's a lot to learn, and it's best to start small while you learn more about local and global markets".
Christopher Walsh ​MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Tiger Brokers (NZ) is our Favourite Low-Cost Shares and ETF Platform in our 2025 Editor's Choice Awards:

New to Investing? Start Smart with Tiger Brokers
If you're ready to start investing, choosing the right platform makes all the difference. We've reviewed and compared every major app available to New Zealanders, and ​Tiger Brokers (NZ) consistently delivers the best value.

Why Tiger Brokers?
Lower Costs = More Money Working for You
  • US shares from just US$2 per trade
  • 0.35% currency exchange - the lowest in New Zealand
  • Free real-time market data (others charge $15/month)
  • No subscription fees eating into your returns if you don't trade/invest

Everything You Need in One Place
  • NZ shares (NZX)
  • Australian shares (ASX)
  • US shares (NYSE, NASDAQ)
  • Asian Markets (China, Hong Kong, Singapore)
  • Start with just $1

MoneyHub Reader exclusive benefits:
  • New customers can receive up to NZ$80 in cash bonuses - get NZ$30 when you open an account and make your first deposit, plus an extra NZ$50 when you deposit at least NZ$2,000 within seven days.
  • 4 free trades every month (forever)
  • Zero FX fees on your first $2,000 monthly
  • Please note, standard T&Cs apply

Real Support When You Need It: Tiger Brokers has a local Auckland team and 24/7 live chat

Getting Started is Simple
  1. Sign up online (5 to 10 minutes)
  2. Fund your account
  3. Invest with small amounts while you learn without being penalised by the big fees that other platforms charge

Ready to start building wealth? Visit ​Tiger Brokers (NZ) and claim your MoneyHub benefits today.

Our view is simple: With all other platforms charging fees (Stake, Hatch, Sharesies, Superhero, etc.) for FX and/or share brokerage/transaction, Tiger Brokers' offer is unmatched in value in New Zealand.

MoneyHub's Editor Christopher Walsh says:
"Tiger Brokers is aggressively priced for global investors. At a time when some platforms are raising fees or lacking innovation, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. With an Auckland-based team, NZ regulation, and continued innovation (NZX investing launched in 2025, auto-invest, fractional shares, and its own TigerGPT chatbot), it's a standout choice for cost-conscious investors and one that I use for US and Hong Kong share investments for the reasons outlined above".
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

Investment Apps NZ

​Investment Apps: Pros and Cons

Pros:
  • ​​Low minimum investment – many platforms have a $5 or $10 minimum investment, which allows you to start investing right away. Sharesies, for example, innovates further with a 1 cent minimum investment.
  • Low fees for smaller accounts – if a platform charges are membership fee, it will (usually) be less than $30/year. Others only charge a transaction fee, so there’s no ongoing cost unless you buy and sell investments. In contrast, others such as Hatch, Sharesies, InvestNow and Stake don’t charge anything.
  • Simple to use – design and user experience are at the heart of keeping investors happy. This means you can sign up for an account in minutes and, after your details are approved, quickly fund your account. You can then track the progress of your investments, visualise your profits, and view investment options.
  • Automatic investments - many platforms offer automatic investing, meaning you can actively save for your future. Sharesies, for example, lets you allocate regular contributions to one (or many) or its funds to help grow your balance.
  • Socially responsible investing (SR) opportunities are highlighted – many apps categorise their investment options under SRI and ESG (Environmental, Social and Governance) so you can invest in things that are important to you. For example, Sharesies offers the Pathfinder funds which invest in sustainable businesses.

Cons:
  • You may under-invest – if you add $5 or $10 to your investment balance, it’s unlikely to add up to anything significant unless you commit to the long term. An investment app with a balance of $500 or $1,000 after 2+ years of contributing isn’t substantial in the scheme of things. To protect your future, a solid savings plan is needed – sporadic (and small) top-ups are unlikely to provide a suitable long-term strategy.
  • Fees can eat into profits – Before investing, check what the platform fees are (per month) and calculate the annual costs and how that affects your expected returns. For example, if a platform charges $30/year to be a member and you invest $1,000, the $30 represents an annual fee of 3%. This is relatively high and means your returns must be above 3% per year to break even.
  • Limited account options – right now, most investments apps don’t offer joint accounts or the opportunity to invest on behalf of your business. Only some apps offer managed funds, and investing with Hatch, Stake and Sharesies means a foreign exchange risk if your investments are held in USD (which may increase or decrease against the NZD, affecting the local value of the investments).
  • Investing based on hype and buzz can have consequences – there has been a surge of investing Whatsapp and Facebook groups established in the last couple of years. While the intentions are genuine, many ‘tips’ are shared around New Zealand, encouraging inexperienced investors to buy and sell particular shares. If you’re going to actively pick shares to invest in, you have to accept that there is risk and your investment could fall in value. With any investment, the best approach is to diversify your portfolio so that you’re not overly exposed should one asset drop in value.

Best Investment Apps NZ

Our Favourite Investing Apps (for Specific Purposes)

  1. ​Tiger Brokers (NZ): Best Low-Cost Shares Platform
  2. ​Sharesies: Best App or Platform for Beginners and Auto-Investing
  3. InvestNow: Best App or Platform for Managed Funds
  4. Kernel and Simplicity Investment Funds: Best Platforms for Ultra-Low-Cost Index Funds
Best Investment Apps NZ

Tiger Brokers (NZ): Best Low-Cost Shares Platform

  • Tiger Brokers (NZ) in a nutshell: Tiger Brokers (NZ) is a low-cost broker. Currently, the broker offers low commissions, 0.35% FX fees and free level-2 data on US-listed shares and ETFs. For US shares, it's a lower-cost alternative to Hatch, Sharesies, Stake and Interactive Brokers. The company offers access to US, Hong Kong, Singaporean and Australian stock markets and China A-Shares. Altogether, over 7,000 shares are listed on the platform.
  • Why we like Tiger Brokers (NZ)? Tiger Brokers is focused on global investing, and at a time when some other platforms have raised their fees, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. Tiger Brokers is the only global online player to have a local Auckland-based team and to be regulated in New Zealand. It focuses on delivering low fees to global market investors looking to build wealth using shares, futures and options. It continues to innovate and has recently launched auto-invest, fractional shares and its own TigerGPT investment chatbot.
  • Interface: Website and app
  • Investments offered: Extensive - US, Australian and Asian market shares and ETFs, as well as options and futures trading.
  • ​Read our review: Tiger Brokers (NZ) Review
  • Sign up to Tiger Brokers (NZ): Visit Tiger Brokers (NZ) to learn more
Best Investment Apps NZ

Hatch: Option for Investing in the US Markets

  • Hatch in a nutshell: Part of FNZ, Hatch offers New Zealanders a tremendous number of options for investing in the US markets. It's similar to Stake, with a different fee base which can work out cheaper if you're a serious and regular investor.
  • Why we like Hatch? The platform works best for investing US$265+ or more at a time, as Hatch charges an NZD:USD FX conversion fee of 0.5% (vs 1% for Stake and 0.50% for Sharesies). There's also a flat US$3 order fee, to buy or sell up to 300 shares (then it’s $0.01 a share).
  • How does Hatch compare to Stake and Sharesies? Our Stake vs Hatch vs Sharesies review has more details..
  • Interface: Website and app
  • Investments offered: Extensive - all listed US shares and ETFs
  • ​Read our review: Hatch Review
  • Sign up to Hatch: Visit Hatch to learn more
Best Investment Apps NZ

​Stake: Option for Investing in the US Markets

  • ​Stake in a nutshell: Stake offers dynamic access to over 6,000 US stocks and ETFs, focusing on providing a technologically advanced trading experience. Stake stands out for its innovative trading and investment education solutions.
  • Why we like Stake? Stake's comprehensive educational platform, Stake Academy, offers an array of resources from beginner to advanced levels, enhancing user knowledge and trading skills.
  • How does Stake compare to others? Unlike local competitors like Hatch and Sharesies, Stake provides distinct services such as instant access to reinvesting after selling shares (using Stake Black), detailed financial data access, and up-to-the-minute analyst updates, which are essential for serious traders. For more details, our full comparison in the Stake vs Hatch vs Sharesies review elaborates on these features.
  • Interface: Both mobile app and web platform offer a seamless, user-friendly experience with advanced tools for detailed market analysis and trading.
  • Investments offered: Extensive access to 6,000+ US stocks, ETFs, and OTC stocks across major US markets.
  • Read our review: Stake Review
  • Sign up to Stake: Visit Stake to learn more
Best Investment Apps NZ

Sharesies: Best App or Platform for Beginners and Auto-Investing

  • Sharesies in a nutshell: The Wellington-based platform offers investment into 136 NZX-listed companies, 36 NZX ETFs, 8 Managed Funds (unlisted), 1852 ASX-listed companies, 228 ASX-ETFs, 2200+US-listed companies, 770+ US ETFs and more securities added weekly.
  • Why we like Sharesies? Sharesies is a popular investment app for New Zealanders of all ages looking at an affordable way to enter the sharemarket locally (and overseas) without their investment being eaten up in brokerage fees. With the ability to invest in any NZX-listed and US-listed company, and the array of index funds offered, there is a significant choice for most investors. We like that Sharesies offers share purchase monthly plans (like subscriptions) that reduce the cost of investing for anyone wanting to make regular contributions. As this is arguably the ethos of Sharesies, we are pleased to see this feature added.
  • Interface: Website
  • Investments offered: Extensive - NZ, AU and US shares and ETFs, plus a select number of New Zealand-based managed funds
  • ​Read our review: Sharesies Review  
  • Sign up to Sharesies: Visit Sharesies to learn more
Best Investment Apps NZ

InvestNow: Best App or Platform for Managed Funds

  • InvestNow in a nutshell: The Wellington-based platform offers investment into 140+ managed funds from 23 well-regarded fund managers, with a platform fee of $0/year. Investments from $250 can be made into any fund, many funds run by big names such as AMP, Fisher Funds, Milford Asset Management and Platinum Asset Management making their funds available.
  • Why we like InvestNow? The 100+ fund choices offer something for every investor type. You won't pay any fees to InvestNow for using the platform, and the platform keeps growing with more options.
  • Interface: Website
  • Investments offered: Extensive - 100+ funds, ETFs and access to otherwise high buy-in funds
  • ​Read our review: InvestNow Review
  • Sign up to InvestNow: Visit InvestNow to learn more
Best Investment Apps NZ

Kernel: Best Platform, Alongside Simplicity, for Ultra-Low-Cost Index Funds

  • Kernel in a nutshell: Kernel's 20+ funds are low fees (starting with an annual 0.25% p.a. management fee for core funds, and 0.45% p.a. for thematic funds). The funds have become popular and have quickly amassed over one billion dollars of investment. There are global funds, S&P500 options, and conservative funds like property and bonds, as well as ESG (ethical) and global infrastructure funds.
  • Why we like Kernel? The minimum investment is $1 per fund, it's easy-to-invest user experience, it's educational focus and fund innovations. With some of the lowest fund fees in New Zealand, there’s a lot to like about Kernel. 
  • Interface: Website
  • Investments offered: 20+ funds
  • ​Read our review: Kernel Review
  • Sign up to Kernel: Visit Kernel to learn more
Best Investment Apps NZ

Simplicity Investment Funds: Best Platform, Alongside Kernel, for Ultra-Low-Cost Index Fund

  • Simplicity Investment Funds in a nutshell: Simplicity Investment Funds offer ​five funds, with annual fees set at 0.10% (NZ Shares fund and NZ Bond fund) and 0.25% (Growth fund, Balanced fund and Conservative fund), with hedged funds to choose from as well.
  • Why we like Simplicity Investment Funds? Simplicity's investment funds offer a 'set and forget' approach with its passive funds. As index funds, the investing rationale is that market-index investments always beat a fund manager in the long term, and as investing has a long-term focus, the risks are low, and the return is seen to be reliable. With fees from as low as 0.10% p.a., Simplicity is New Zealand's cheapest investment platform.
  • Interface: Website
  • Investments offered: 10+ funds
  • ​Read our review: Simplicity Investment Funds Review​
  • Sign up to Simplicity Investment Funds: Visit the website to learn more

Reminder: Tiger Brokers (NZ) is our Favourite Low-Cost Shares and ETF Platform in our 2025 Editor's Choice Awards:

New to Investing? Start Smart with Tiger Brokers
If you're ready to start investing, choosing the right platform makes all the difference. We've reviewed and compared every major app available to New Zealanders, and ​Tiger Brokers (NZ) consistently delivers the best value.

Why Tiger Brokers?
Lower Costs = More Money Working for You
  • US shares from just US$2 per trade
  • 0.35% currency exchange - the lowest in New Zealand
  • Free real-time market data (others charge $15/month)
  • No subscription fees eating into your returns if you don't trade/invest

Everything You Need in One Place
  • NZ shares (NZX)
  • Australian shares (ASX)
  • US shares (NYSE, NASDAQ)
  • Asian Markets (China, Hong Kong, Singapore)
  • Start with just $1

MoneyHub Reader exclusive benefits:
  • New customers can receive up to NZ$80 in cash bonuses - get NZ$30 when you open an account and make your first deposit, plus an extra NZ$50 when you deposit at least NZ$2,000 within seven days.
  • 4 free trades every month (forever)
  • Zero FX fees on your first $2,000 monthly
  • Please note, standard T&Cs apply

Real Support When You Need It: Tiger Brokers has a local Auckland team and 24/7 live chat

Getting Started is Simple
  1. Sign up online (5 to 10 minutes)
  2. Fund your account
  3. Invest with small amounts while you learn without being penalised by the big fees that other platforms charge

Ready to start building wealth? Visit ​Tiger Brokers (NZ) and claim your MoneyHub benefits today.

Our view is simple: With all other platforms charging fees (Stake, Hatch, Sharesies, Superhero, etc.) for FX and/or share brokerage/transaction, Tiger Brokers' offer is unmatched in value in New Zealand.

MoneyHub's Editor Christopher Walsh says:
"Tiger Brokers is aggressively priced for global investors. At a time when some platforms are raising fees or lacking innovation, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. With an Auckland-based team, NZ regulation, and continued innovation (NZX investing launched in 2025, auto-invest, fractional shares, and its own TigerGPT chatbot), it's a standout choice for cost-conscious investors and one that I use for US and Hong Kong share investments for the reasons outlined above".
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

Best Investment Apps NZ

Investment Apps - Frequently Asked Questions

Investing apps are increasingly simple to use, but there are some must-know facts. Our FAQs below explain what's important for making the right choice.

How much money do I need to invest?

​$1 is the minimum investment for most (but not all) investment apps and platforms. New Zealanders who do the best out of their investing activities, i.e. make the most money, tend to invest regularly, are diversified and stay committed for the long term.
​

Our list of apps above generally works best when you invest at least $100 to avoid ongoing fees eating into returns. A sensible amount to start with is at least $100 to $500 and then contribute regularly.

​What investment app is best for buying shares?

It depends on the amount you’re buying and selling. In the summaries above, we have itemised the apps based on price (which is trading costs and ongoing member fees), app features and investing minimums.

​I’m new to investing – what is the best app?

For new investors wanting to learn as they go, Sharesies is arguably New Zealand’s most popular option with hundreds of thousands of users. Sharesies lets you invest in New Zealand, Australian and US sharemarkets, as well as invest in a select number of New Zealand-based managed funds. It has several useful features, such as regular contributions and top-ups helping users invest for the long-term. There’s also a highly active Facebook group to help new investors.

​What assets can I buy and sell using these apps?

It depends on the app and platform; some offer shares, ETFs and index funds (such as Sharesies), whereas others offer US shares only (Hatch and Stake). Others specialise in ETFs and funds (InvestNow), while Simplicity and Kernel exclusively offer their branded index funds.

Is my money safe?

All New Zealand-based apps and platforms are highly regulated. Popular services such as Sharesies, Hatch, Stake, InvestNow and ASB Securities have a strong custodial structure in place to prevent you losing any of your investment in the case that the services fail financially. Our dedicated guide explains custodians in detail and how they protect investors. A custodian exists with one purpose - to hold assets on behalf of specific beneficiaries. It can't go bust as it is tightly regulated and regularly monitored. 
​

However, it’s essential to be aware of the risks of investing. The decisions that you make, i.e. what you invest in, are not protected. This can mean the balance of your investments can drop, and you’ll lose money if you then sell or redeem.

How many investment apps should I sign up for?

It depends. It's unwise to double-up on apps that charge membership fees as you're paying twice for access to the same (or similar) investment opportunities. A new investor would be prudent to pick two apps to use, and then, once established and experienced, look for further opportunities. 

How can I quit or leave an investing app?

The standard practice is to sell, transfer or redeem your investments (so your balance is $0). You can then notify the client/customer service team to close down access. Many investing apps charge ongoing membership fees which will be avoided by cancelling the account.

Related guides:
  • Comparing Sharesies vs Investnow vs Hatch and more
  • Custodian guide 
  • NZX in a Nutshell 
  • Investing in US Shares (from New Zealand)
  • ETFs vs Shares
  • ETFs vs Index Funds
  • Investing glossary
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