MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden 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
        • 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 Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • 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
      • 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
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite 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
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding 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
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • 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
        • 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
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • 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
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured 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
      • 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
    • Car Insurance
      • Guides
        • 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
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • 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
      • 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
    • 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
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas 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
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • 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
      • 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
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews
      • Wise International 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
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • 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 in Christchurch
    • 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
    • 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
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • 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
      • 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
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM 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
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • 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
    • Business Calculators
      • 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
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • 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 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • 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
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • 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
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • 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
    • 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
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • 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
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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Mercury Broadband Review

We review Mercury broadband's plans and outline the pros and cons, benefits, and how to get the best price
Mercury Broadband Review
Updated 28 September 2023

Summary: 
  • Mercury in a Nutshell: Mercury has recently acquired Trustpower and is one of the largest broadband, power, and gas provider in New Zealand and is focused on delivering convenience to its customer base by including all household services in one easy-to-understand bill.
  • Coverage: Mercury broadband services are not available in all areas. To find out what type of service is available in your area, visit their website and enter your address.

How to get the best price on a Mercury broadband plan: 
  1. New Customers: Plans with Mercury are the cheapest when you sign up for 24-months and bundle broadband with a power plan. This works if you don’t plan to change providers for at least 24 months (therefore avoiding the early exit fee).
  2. Renewing: If you're happy with Mercury and would like to continue, the best approach is to compare the pricing when your contract comes up for renewal. If Mercury offers a better deal than the renewal rate, contact their support team and ask for them to apply it to your account.
 
Our review: 
This guide details the five plans pros, and cons compare the plans side-by-side and outline how to choose the best Mercury broadband plan for you. We cover:
  • Mercury Broadband Plans, Setup Charges and Add-ons
  • Comparing Mercury Plans
  • Choosing the Right Mercury Plan
  • Mercury Broadband Frequently Asked Questions
Learn more: Mercury broadband

Christopher Walsh, Founder of MoneyHub, shares his views on comparing broadband providers:

  • Broadband plans have never been cheaper or faster, thanks to a nationwide fibre rollout, more competition and better technology.
  • That being said, we believe what matters is reliability, speed, price and support.
  • Our best broadband providers guide and this review help you make an informed choice. Our research team is committed to keeping everything up to date so you can easily find the best deal. 
  • We don't publish complicated tables or tools for comparing broadband. Instead, we focus on making you aware of the best deals where the pricing is fixed for at least 12 months.
  • If you have something we need to know about, please contact our research team - we would love to hear from you.
  • Unlike other broadband comparison websites, we have no relationship with any broadband company, and we're proud that our guides are 100% independent.
Mercury Broadband Review
Christopher Walsh
MoneyHub Founder

Mercury Broadband Plans and Pricing Review

Mercury Broadband Plans, Setup Charges and Add-ons

Plan
Monthly Cost
Download Speed (Mbps)
Contract Type
Wireless broadband 120 GB
$84
23
Open / Fixed
Wireless broadband 300 GB
$89
23
Open / Fixed
Wireless broadband 1000 GB
$94
23
Open / Fixed
Unlimited FibreClassic [UFB]
$109
314
Open / Fixed
Unlimited FibreMax [MAX]
$124
870
Open / Fixed
Know this first: When comparing broadband providers, service setup charges are an essential part of the deal. In the case of Mercury, the installation cost will depend on the type of plan you choose – Wireless Broadband, or the Fibre broadband plans (Ultra-Fast Broadband or FibreMax).
  1. Connection cost: There is no cost for a Wireless connection or a standard fibre connection. Non-standard connections (more than 200 meters away from the fibre cable access point or if your house requires additional wiring) may incur an installation fee.    
  2. Modem cost: All of Mercury's plans include a Modem. For wireless broadband, the rental is included; for fibre plans, you can rent a modem that covers 140 square meters for $7.50 per month. A shipping fee of $14.95 applies in either case; you also have the option to Bring your own router.
  3. Exit Fees:  An early disconnection fee applies, depending on when you exit the contract. It can be as high as $1,440. The fee for terminating the agreement depends on your chosen broadband service and the Joining Reward you receive. Additionally, this fee will decrease by a fixed amount every month throughout the duration of the agreement.
  4. Data Caps: If you are on a plan that is capped, you will receive an alert when you've used 80% of your allowance and another one when you've reached the cap. You can purchase data packs of 10 GB for $10 per pack (you can buy a maximum of 4 packs). Mercury will automatically activate a pack at the same price of $10 for 10 GB if you've reached your cap but have not purchased any data packs already. 
  5. Add-ons: You can add a homeline to your Mercury Broadband. The price depends on your type of connection: for Wireless Broadband it's an additional $10 per month; if you have a fibre plan you only have to pay an extra $5 per month.
  6. Discounts and perks: 
  • You can save $15 per month on any broadband plan by bundling this service with an energy contract.
  • You can save $5 per month on your broadband plan when adding a mobile number with Mercury and sometimes they offer free months on your mobile account as well
  • Mercury offers an elaborate scheme of Joining Rewards, split into various Tiers. The rewards in the lower tiers are free and you can choose between several Samsung appliances, ranging from a 43" Smart TV to a washing machine to a cordless vacuum cleaner. You can also pay a "top up" to access a range of more premium appliances from the upper tiers. A minimum of a 24-month term, terms and conditions and exit fees apply; for more information, visit Mercury's website or read the Terms and Conditions.
  • Mercury runs various seasonal promotions, but you'll likely find a discount if you bundle your broadband with energy or with energy and gas. The longer the fixed term you commit to, the larger the discount will be. For example, at the time of writing, there were special offers for fixed-term energy and broadband bundles, you receive a $50 joining credit plus: with a 12-month contract you get 6 months of free broadband; with 24-month contracts you can receive a Joining Reward (a Samsung appliance).

Mercury Broadband Customer Service and Outage Support

  • Mercury's Customer Support Hours are from Monday to Friday, 8 am - 6:30 pm via their free number (0800 10 18 10). Also, you can chat online in real time with a member of their customer service team from Monday to Friday, 8 am - 6:30 pm, and weekends from 8 am - 5 pm. 

Mercury Broadband Review

Comparing Mercury Plans - Wireless Broadband vs Fibre Classic vs FibreMax Plan

Mercury offers various broadband plans: Capped and Unlimited Wireless Broadband Plans, and the Unlimited Fibre Classic and FibreMax Plans. We outline the offering of each, as well as the pros and cons.
Mercury Broadband Review

Mercury Wireless Broadband Plan Review

Summary: Mercury's Wireless Broadband plans offer a relatively inexpensive alternative for households with basic internet needs where fibre connections are not available. 
  • Learn more: Visit Mercury's website.
 
The Pros: 
  1. Low-cost, high-speed 4G wireless broadband
  2. Average speed, good for basic online tasks
  3. Once the data cap limit is reached, a 10GB pack will be automatically activated. After that, you can manually top up your account with more 10GB packs
  4. Phone landline, mobile, and gas plans are available in addition to power
  5. Good value in areas where copper-based and fibre-based broadband connections are not available
  6. Free modem rental (you only pay postage and handling fees)
  7. No installation fees
  8. Great joining perks as customers on a broadband and power bundle for 24-month term get to choose between a free Samsung appliance or discounted broadband.
 
The Cons: 
  1. No unlimited plans available (though the 1000 GB cap is very generous)
  2. Lower data caps might be limiting for families in need of bandwidth-intensive applications
  3. You have to bundle broadband with power to enjoy a discounted price
  4. If you cancel the fixed-term contract before it ends, you will have to pay an early termination fee that can vary depending on the months remaining on your fixed term agreement and the joining reward you chose (if any). For more details, read Mercury's Terms & Conditions.
Mercury Broadband Review

Mercury Unlimited FibreClassic Plan Review

Summary: The FibreClassic Plan provides an excellent cost-benefit ratio along with enough bandwidth to meet the demands of large families, content creators, and home-based professionals. 
  • Learn more: Visit Mercury's Fibre Broadband page
 
The Pros:
  1. Unlimited data transfer and high speed connection
  2. Phone landline, mobile, and gas plans are available
  3. Ideal for bandwidth-hungry households
  4. No installation fees (certain Terms & Conditions apply)
  5. Great joining perks for customers signing up for a power and broadband bundle plan on a 24-month term
 
The Cons:
  1. Welcome deals require bundling broadband with power and signing up for 24 months with Mercury
  2. You will have to pay a hefty early termination fee depending on which Joining Reward you have picked and the amount of time since you signed up with Mercury. For more details, please read Mercury Terms & Conditions
  3. Non-standard installation fees may apply if your home is more than 200 meters from the fibre access point
Mercury Broadband Review

Mercury FibreMax Broadband Plan Review

Summary: This plan offers super-fast speeds and allows you to enjoy multiple 4K video streamings and the convenience to work with applications that require high bandwidth. 
  • Learn more: Mercury's Fibre Broadband page.
 
The Pros: 
  1. Unlimited data transfer, no caps
  2. Phone landline, mobile, and gas plans are available
  3. Good value for large families and online professionals
  4. Ideal for content creators, developers, and professionals working from home
  5. No installation fees  (certain terms and conditions apply)
  6. Great joining perks for customers signing up to a broadband and power bundle on a 24-month term, with this plan you get access to a higher tier of rewards and the top-up fee to go up in tiers is lower
 
The Cons: 
  1. Welcome deals require bundling broadband with power and signing up for 24 months with Mercury
  2. You will have to pay a hefty early termination fee, depending on which Joining Reward you have picked and the amount of time since you signed up with Mercury. For more details, please read Mercury Terms and Conditions
  3. Non-standard installation fees may apply if your home is more than 200 meters from the fibre access point

Which Mercury Broadband Plan is the Best?

Our view is that the Unlimited FibreClassic Plan is good for those who seek the best value. However, for large families and professionals requiring above-average bandwidth in their homes, the Ultra-Fast FibreMax Broadband Plan is a good alternative.

Mercury Broadband Plans Review

Choosing the Right Mercury Plan

Mercury's broadband plans are not the fastest or cheapest on the market. However, when combined with other services such as power, gas, home phone, and mobile, they give you the convenience of having all your services on a single bill. Moreover, by combining all these services, you obtain additional savings not only on your broadband bill but also on gas and electricity services, which is an advantage that few other providers can offer. Concerning broadband, though, given the similarity of prices and rewards between different plans, choosing a plan has a lot to do with the connection speed you need.
 
1. Connection Speed: In general terms:
  • Mercury’s Wireless Broadband Plans: These plans are not intended for households that want to use multiple Netflix screens or run bandwidth-intensive applications as they offer lower speeds. These are plans designed for couples and families who are just looking for a quick solution to meet their basic needs, such as checking email, browsing the web, or watching occasional YouTube videos.
  • Mercury's FibreClassic Broadband Plan: This is a good plan for large families who consume lots of data; think of multiple HD streaming services such as Netflix, Amazon Prime, or Disney+ used at once.
  • Mercury’s FibreMax Broadband Plan: In our view, the 900/450Mbps speed offered by this plan is ideal for developers, content creators, and families looking for a service capable of streaming multiple 4k Netflix screens simultaneously. Keep in mind, though, that this plan is not available in all of New Zealand yet.
 
2. Flexibility:
  • Mercury offers open-term plans but to get the most out of the prices and rewards, you must sign a 24-month contract. This can be a real drawback for many Kiwis who do not want to commit to a broadband provider for 2 years. However, if it is okay with you to contract power and broadband with Mercury, then you could save some money during those two years, in addition to taking advantage of the incredible rewards for new customers.
 
3. Set-Up Charges:
  • Unlike many other broadband providers, Mercury offers almost zero setup costs. If your home already has a connection or you only require a standard connection, then the only thing you will have to pay is the modem shipping costs.
 
4. Monthly Costs:
  • From the point of view of monthly costs, deciding on a plan is really easy. The difference between Mercury's various broadband plans is relatively small, with Mercury's Wireless and Fibre plans being in a very narrow price range. In other words, it doesn't make much sense to subscribe to Wireless if the Fibre or FibreMax services are available in your area.
 
5. Additional perks:
  • Mercury currently has two of the most exciting welcome promotions in New Zealand. Both the half-price broadband option and the welcome rewards are very attractive. Note, however, that to enjoy any of these promotions, you must sign a 24-month contract (broadband and power).

Mercury Broadband Review

Mercury Broadband Frequently Asked Questions

To help you decide if Mercury is right for your home, we've included several frequently asked questions to help you know more about the service.

Is Mercury available at my address?

There is a good chance that broadband service is available at your address as Mercury is one of the top service providers in New Zealand. To verify what type of plans is available in your area, you just have to enter your address on the Mercury page.

​Does Mercury offer a free modem?

Yes, on some of their plans. Mercury offers  a free modem for Wireless but you have to rent a modem for their Fibre plans. Alternatively, you can bring your own modem (BYO) as far as it’s compatible with the service. To set up your own modem, you can follow the Configuring your modem settings FAQ on Mercury ’s website.

Does Mercury offer additional perks?

Yes, it does. You can choose between discounted broadband or free joining rewards when signing up. A minimum of a 24-month term, terms and conditions and exit fees apply, though.

Does Mercury offer an open term contract?

Yes, Mercury offers open-term contracts on their plans but access to discounts and perks are exclusive to fixed-term contracts.

Does Mercury offer discounts for broadband plans?

Mercury offers a discount on their plans when bundling broadband and power. Additionally, you can opt for additional perks depending on the type of broadband service you choose.

Who owns Mercury?

51% of Mercury is owned by the New Zealand Government

Does Mercury offer a home phone add-on with its broadband plans?

Yes, you can add a homeline to any of Mercury's broadband plans.​

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