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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Meridian Energy Review - 2023 Prices, Discounts, Deals, Tariffs and Fees

Our guide explains Meridian Energy's pricing, bonuses, contracts, pros and cons and must-know facts, and how it compares to other power companies for residents of Auckland, Hamilton, Wellington, Christchurch and Dunedin.
Meridian Energy Review
Updated 11 September 2023
Meridian​ Energy in a Nutshell
  • Meridian Energy is New Zealand’s fifth-largest electricity retailer by market share and is 51% state owned. Meridian sells electricity to its customers in New Zealand through two brands – Meridian and Powershop. Meridian has 200,000+ customers all around New Zealand.
  • Plans and Pricing: Meridian Energy offers four plans, the "2-Year Contract", the “No Fixed-Term Contract”, the “Bach Plan” aimed at holiday houses and the "EV Plan" which offers a $200 sign up credit (or AC charging cable) and cheap rates at night . If you are generating solar or wind power, you can sell it to Meridian and get a discount on your bill.
  • Our power company comparison research concluded that Meridian offers market-average pricing for both low and standard users in Auckland, Hamilton, Wellington, Christchurch and Dunedin based on our sampling. Sister brand Powershop was, according to our analysis, much more competitive. However Meridian offers "area" quotes, and this may mean there is a slight difference in prices. To know for sure, Meridian requires you to contact them for a custom quote.

Our review: To help you understand how Meridian Energy works and the pros and cons of their plans, our guide covers:
  1. Meridian Energy Prices 
  2. Meridian Energy Plans
  3. Our Conclusion
  4. ​Frequently Asked Questions

Our Price Leading Power Companies - Fixed Term and Open Term

Getting quotes is an essential step before you switch. Our pricing tables and power comparison research look at average uses, Genesis leads with fixed-term offers and Flick leads with open terms. 

Fixed Term: Special Offer With Our Partner Genesis - Rewarding New Zealanders Who Commit to a Great Value Genesis 12-Month Contract:

  • Our Pick: The Genesis Energy Plus (Standard) plan offers a $100 credit and an additional 3% discount when signing up through MoneyHub, applied on top of the 6% discount already factored into our comparison. Taking this discount into account will, for many homes, make this plan the cheapest available.
  • The Genesis Energy Basic (Standard) plan offers a $100 credit and an additional 2% discount when signing up through MoneyHub, but you must choose direct debit as your payment option and receive eBills.
  • Important: You can sign up here - Genesis will then contact you - you don't need to be moving home to switch, so please disregard the 'easy home' wording.
  • Please insert 'MoneyHub' in the Genesis partner name to ensure you get the discount we've negotiated for you.
Genesis Energy
Visit Genesis

Open Term: Special Offer With Our Partner Flick - Putting the Power Back in Customers Hands:

  • Getting quotes is an essential step before you switch. While our pricing tables look at average uses, we're giving attention to Flick, which operates as a challenger and arguably a consumer champion in the power sector. It frequently challenges the Electricity Authority and puts everyday New Zealanders first.
  • Flick follows a strict rule - no fixed-term contracts or exit fees on their plans. MoneyHub users have reported that Flick's off-peak plan is cost-effective for anyone with flexible home hours such as those that work from home and students, who can time when they put the dishwasher on, have showers, do laundry, etc.
  • With all of this in mind, if you're looking to switch, we suggest getting a quote from Flick so you can comprehensively compare the market.
  • Bonus Offer: Click here to sign up via MoneyHub and you'll receive $50 power credit. Terms and Conditions can be found here.

Looking for more information about power prices? Visit our comprehensive Power Company Comparison guide.
Flick Electric
Visit Flick

Meridian Energy Pricing

1. Meridian Energy Prices

Our Price Comparison Research and Results:
  • We have reviewed Meridian's prices in detail. However, the price quoted online via the Meridian website is based on the average power use in your area for the month in which you got the online rate from the website. It is based on Meridian's variable pricing plan. If you want a personalised quote (for their fixed-pricing plans), you need to contact Meridian via phone, email or webchat.

Meridian explains this in their words:
"Just a heads up – the price above is based on the average power use in your area. But of course, everyone’s different. So if you’d like a personalised quote, we’re happy to help. Give us a call on 0800 496 496 or message our webchat (the bubble at the bottom right of your screen)". 

And further details include:
"Here are the finer details about your price estimate.
  • It’s based on our variable pricing plan. We offer fixed pricing plans, too – give us a bell if you’d like to know more.
  • It includes GST. Heaps of other power companies don’t include GST on their quotes so if you’re comparing, make sure you keep that in mind.
  • It’s for electricity only. We don’t supply gas but we can sort your electricity and help put you in touch with providers who can help with your gas needs.
  • Your actual bill might be more or less than this, depending on things like the size of your house, insulation, and how many people are living there.
  • If the information we've used for this price estimate isn’t quite right (for example, if the reported meter setup is different to your actual setup), we may need to adjust your charges".  

Our results: When we sampled across Auckland, Hamilton, Wellington, Christchurch and Dunedin, we present Meridian's prices based on the above disclaimers the company makes. While we believe this is relevant for the pricing comparison given the focus on the "area" submitted. We suggest you compare and extract a custom quote for your home and factor in any relevant details.

How green is Meridian Energy?

All the electricity generated by Meridian Energy comes from 100% renewable sources such as wind, water, and sun. In fact, Meridian generates approximately 30% of NZ power, most of it from its hydropower stations located at Waitaki and Manapōuri responsible for producing over 13,000 GWh/year. In addition, Meridian also owns and operates several wind farms located at Brooklyn, White Hill, West Wind, Mill Creek. Te Āpiti, and Te Uku.
 
Additionally, Meridian also sells its surplus power to New Zealand wholesale electricity market so that other small retailers can get “clean power”.

Meridian Energy Review

2. Meridian Energy Plans - "2-Year contract" vs “No Fixed-Term contract” vs “Bach” vs "EV" (Electric Vehicle) Plans

Meridian Energy is currently offering four residential plans, the 2-Year Contract, the No Fixed-Term Contract, the EV Plan and the Bach Plan. The "2-Year Contract", and the “No Fixed-Term Contract” plans are available for standard and low users whereas the Bach plan, being usage-based, does not apply to conventional user schemes.

Regarding the Fixed Rate Plan, according to your address, it could be available in three variants: 
  • Super Saver Plan, which is available with two or three years contracts
  • Everyday Economy Plan, which has a two-year contract
  • Smart Value Plan, which also has a two-year contract
 
Daily and variable charges may vary from one variant to another depending on the area of New Zealand where you live and the type of meter you have installed (conventional or smart meter).

Meridian Energy No Fixed-Term Contract Plan Review

  • Meridian’s Stay Flexi Plan is aimed at both low and standard users, looking for an open-term variable pricing plan with no strings attached
  • To get the most out of this plan, you should have a smart meter installed on your premise 
 
The Pros:​
  1. Utmost flexibility, no fixed terms or early cancellation fees
  2. If you have a smart meter installed in your household then you can track your power consumption and check your power bill by using the Meridian app.

The Cons:
  1. This plan does not include any discounts
  2. Rates can vary without notice from one bill to another

Meridian Energy Fixed Rate Plan Review

  • Meridian Energy Fixed Rate Plan is aimed at people that prefer paying lower daily and variable charges despite being tied to a long-term contract
  • The Fixed Rate Plan offers Meridian Energy’s lowest daily and variable rates for a 24-month or 36-month period
  • Contrary to other electricity retailers in NZ, Meridian does not charge exit fees in its fixed-term plan, but you have to give back the sign-up credit if you terminate before the end of the contract
 
The Pros: 
  1. Meridian Energy's lowest rates fixed for 24 or 36 months (depending on the Fixed Rate Plan variant)
  2. Special joining offers ( joining credit or 12 weekends of free power)
  3. No early cancellation fees (other than being charged the welcome credit - if applicable)

Cons: 
  1. To get the most out of this plan you must have a smart meter installed on your premise
  2. You must meet Meridian’s standard customer eligibility criteria to be accepted as a client
 
Be aware: 
  • When you sign up you have to accept Fixed Rate Plan (FRP) terms and conditions
  • Additional fees apply depending on how you receive your bill (physical or digital) and how you pay your bill

Meridian Energy Bach Plan Review

  • As its name implies, Meridian Energy’s Bach Plan is designed for bach and cribs around NZ that are only used a few weeks per year
  • This contract has no daily charge, you only pay for the electricity you use
  • The Bach Plan has no termination fee
 
The Pros:​
  1. No daily fixed charges, which might translate into potential savings depending on your annual power consumption
  2. You only pay for what you use, in other words, only variable charges apply
  3. No early termination fees, however, some conditions apply (see below)
 
The Cons: 
  1. This plan has a higher variable rate when compared to other Meridian plans.
  2. Meridian suggest choosing this plan only if your annual power consumption is below 3,000 kWh per year.
  3. In order to be eligible for the Bach Plan, Meridian must supply electricity to your main residence
 
Be aware: 
  • Although this plan has no exit fee, if Meridian no longer provides electricity to your primary residence, your Bach will automatically be placed on the Stay Flexi Plan

EV Plan Review

As the name suggests, this plan is suitable for people who own a plug-in electric car as it provides cheaper rates for night time-charging, plus added benefits like a free smart meter installation and a generous sign-up bonus. This is a plan designed for a Day/Night meter but you can contact Meridian if you are interested in the plan but have a different set up.

The Pros:
  1. $200 Credit (or an AC charging cable)
  2. Energy prices locked in for two years
  3. Cheap night prices (9pm to 7am) on selected networks (Vector, Wellington Electricity, Orion, Powerco, Aurora, Unison) you can check what network you’re on here
  4. Free smart meter installation (if you don’t have one already)
 
The Cons:
  1. Fixed-term contract
  2. $200 credit is charged back to your bill if you cancel the plan before the end of the contract 

Meridian Energy Review

3. Meridian Energy Conclusion - Plan comparison

To determine which plan best suits your needs, you’ll need to consider the following: 
  • Lifestyle and convenience: Meridian's plans are aimed at kiwis with different mindsets. For example:
  • The 2-Year Contract (in any of its variants) is aimed at people looking for the best electricity rates. One unique advantage of this plan is that you can switch to another provider without paying an early cancellation fee (but you do have to give back any sign-up bonus you may have received if you cancel early). So, there's no risk in signing up for a two-year contract and benefit from its lower rates.
  • The Stay Flexi Plan, on the other hand, arguably may appeal to renters or landlords that want to avoid the hassle associated with cancelling a fixed-term contract.
  • The Bach Plan, it is very simple. If your crib consumes below 3,000 kWh/year (and your main residence is powered by Meridian) you can take advantage of its variable rates.
  • Finally, if you have a plug-in Electric Vehicle, then you can benefit from Meridian's Electric Car Plan with its generous sign-up bonus and low night energy rates.
  • Additional benefits: In addition to the $ 200 welcome credit offered by the Fixed Rate Plan, there are no additional benefits that differentiate this plan from the Stay Flexi Plan. Unlike other electricity providers, Meridian does not offer other services (such as gas or broadband) so it is not able to offer discounts on these types of services either. So basically, your decision comes down to whether or not you want to commit to a fixed term plan.

Meridian Energy FAQs

4. Meridian Energy Frequently Asked Questions

To help you decide if Meridian Energy is right for your home, we've published a number of frequently asked questions.

What does Meridian Energy cost per month, and is it the cheapest?

What you pay depends on where you live, how much energy you use and what plan you're on. Our electricity comparison guide has more information about estimated costs and how it compares to other companies.

Is Meridian Energy available at my address?

Most likely - you'll need to type in your address to see if you're covered.

What does a Meridian Energy bill look like, and how do I pay?

This page explains how the bill appears, what everything means and when it's due. Meridian Energy accepts direct debits and credit cards - your can read more from their ways to pay your power bill guide

Does Meridian Energy use renewable sources of electricity?

Yes, 100% of the energy generated by Meridian comes from renewable sources. Matter of fact, Meridian leads New Zealand hydropower generation, since Waitaki and Manapōuri power stations generate around 50% of NZ’s total hydro.

Our Price Leading Power Companies - Fixed Term and Open Term

Getting quotes is an essential step before you switch. Our pricing tables and power comparison research look at average uses, Genesis leads with fixed-term offers and Flick leads with open terms. 

Fixed Term: Special Offer With Our Partner Genesis - Rewarding New Zealanders Who Commit to a Great Value Genesis 12-Month Contract:

  • Our Pick: The Genesis Energy Plus (Standard) plan offers a $100 credit and an additional 3% discount when signing up through MoneyHub, applied on top of the 6% discount already factored into our comparison. Taking this discount into account will, for many homes, make this plan the cheapest available.
  • The Genesis Energy Basic (Standard) plan offers a $100 credit and an additional 2% discount when signing up through MoneyHub, but you must choose direct debit as your payment option and receive eBills.
  • Important: You can sign up here - Genesis will then contact you - you don't need to be moving home to switch, so please disregard the 'easy home' wording.
  • Please insert 'MoneyHub' in the Genesis partner name to ensure you get the discount we've negotiated for you.
Genesis Energy
Visit Genesis

Open Term: Special Offer With Our Partner Flick - Putting the Power Back in Customers Hands:

  • Getting quotes is an essential step before you switch. While our pricing tables look at average uses, we're giving attention to Flick, which operates as a challenger and arguably a consumer champion in the power sector. It frequently challenges the Electricity Authority and puts everyday New Zealanders first.
  • Flick follows a strict rule - no fixed-term contracts or exit fees on their plans. MoneyHub users have reported that Flick's off-peak plan is cost-effective for anyone with flexible home hours such as those that work from home and students, who can time when they put the dishwasher on, have showers, do laundry, etc.
  • With all of this in mind, if you're looking to switch, we suggest getting a quote from Flick so you can comprehensively compare the market.
  • Bonus Offer: Click here to sign up via MoneyHub and you'll receive $50 power credit. Terms and Conditions can be found here.

Looking for more information about power prices? Visit our comprehensive Power Company Comparison guide.
Flick Electric
Visit Flick

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