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
        • Best Investment Apps
        • 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
        • 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
        • How to Invest in the NASDAQ from New Zealand
        • 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
        • Popular 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 Popular 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
        • Australian Investment Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
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          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Whanganui
          • Financial Advisers Kapiti
          • Financial Advisers Wairarapa
          • 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
        • Tax Efficient Investing
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Leading 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
        • 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
    • Best Car Finance
      • Loan Types
        • Electric Vehicle Loans
        • Car Loan Refinance
        • Bad Credit Car Loans
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        • Business Vehicle Loans
        • Asset Finance
      • Tools & Calculators
        • Car Finance Calculator
        • Car Loan Amortisation Calculator
        • Car Loan Refinance Calculator
        • Motorcycle and Moped Loan Calculator
        • Asset Finance Repayment Calculator
        • Boat Financing Calculator
      • Resources
        • Car Finance Documents Checklist
        • Car Dealership Finance vs Alternatives
        • 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 Loan Brokers vs Direct Car Finance
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Simplify Car Loans - Real Customer Reviews & Facts
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • Simplify vs MTF vs UDC vs Heartland
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance by Vehicle
        • Toyota Aqua Financing Guide
        • Toyota Corolla Financing Guide
        • Toyota HiAce Financing Guide
        • Toyota RAV4 Financing Guide
        • Toyota Hilux Financing Guide
      • Car Finance Add-On Insurance
        • Compare Mechanical Breakdown Insurance
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • PPI (Payment Protection Insurance)
    • Best Personal Loans
      • Loan Types
        • Debt Consolidation Loans
        • Secured Loans
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        • Home Renovation Loans
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        • Low Income Loans
        • Beneficiary Loans
      • Tools & Calculators
        • Personal Loan Calculator
        • Debt Consolidation Calculator
        • Refinance Personal Loan Calculator
        • Home Renovation Loan Calculator
        • Interest Calculator
      • Lender Reviews
        • Harmoney Loans Review
        • Nectar Review
        • Avanti Finance Review
        • Money Sweetspot Review
        • Save My Bacon Review
      • Credit Health
        • How to Build Credit in New Zealand
        • Credit Scores and Credit Checks
        • Interest Rates Guide
        • Interest Rate Comparison
      • Debt Solutions
        • How to Pay Down Debt Faster
        • Baycorp and Debt Collection
        • The Dangers of Debt Consolidation
        • Using Home Equity for Non-Essential Expenses
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Overview
    • 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 Insurance
      • House Insurance
      • House Insurance Calculator
      • Home and Contents Insurance
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Compare Auckland House Insurance Policies & Costs
      • Sum Insured Explained
      • Area Replacement vs Sum Insured
      • Natural Disaster House Insurance
      • MAS House Insurance - Real Customer Reviews & Facts
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Renters' Insurance
      • Students Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Explained (Videos)
        • 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
        • Health Insurance Explained (Videos)
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • Income Protection Insurance Explained (Videos)
        • 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
    • Travel Insurance
      • Compare Travel Insurance
      • AMEX Airpoints Platinum Travel Insurance Review
      • Travel Insurance by Destination
        • Australia and the Pacifc
          • Australia Travel Insurance
          • Fiji Travel Insurance
          • Rarotonga Travel Insurance
        • Asia
          • Bali Travel Insurance
          • China Travel Insurance
          • India Travel Insurance
          • Japan Travel Insurance
          • Malaysia Travel Insurance
          • Singapore Travel Insurance
          • South Korea Travel Insurance
          • Thailand Travel Insurance
          • Vietnam Travel Insurance
        • Americas & Africa
          • Canada Travel Insurance
          • Peru Travel Insurance
          • South Africa Travel Insurance
          • USA Travel Insurance
        • Europe
          • France Travel Insurance
          • Greece Travel Insurance
          • Italy Travel Insurance
          • UK Travel Insurance
      • Specific Risk Cover
        • Do I Need Travel Insurance?
        • Pregnancy Travel Insurance
      • Travel Insurer Reviews
        • Southern Cross Travel Insurance Review
        • AMI Travel Insurance Review
        • State Travel Insurance Review
      • Essential Information
        • Basic vs Comprehensive Travel Insurance
        • Health Insurance vs Travel Insurance
        • ACC vs Travel Insurance
        • Australia NZ Reciprocal Health Care Agreement
        • Travel Insurance Excess Explained
        • Claiming on Travel Insurance
        • How to Renew a New Zealand Passport
        • What is TAANZ?
        • Travel Packing List
        • Travel Insurers Directory
        • Travel Insurance Glossary
    • 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
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
      • ACC CoverPlus Extra (CPX) Explained
      • Co-Shareholder Insurance Cover
    • Find a Broker
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
  • 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
        • AMEX Airpoints Platinum - Real Cardholder Reviews & Facts
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • 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
      • China Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • South Korea 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
      • Sending Money to Australia
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
      • 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 & 2026
      • 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
      • Self-Employed Mortgage Applications
      • Interest Rate Strategies
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Top 10 Areas for First Home Buyers 2025
      • 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
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • 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
      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
    • KiwiSaver Schemes
      • 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 Loans & Tools
    • Business Credit Cards
      • American Express Gold Business Card Review
    • Compare Business Loans
      • Small Business Loans
      • Prospa Business Loans Review
      • Business Line of Credit
      • Business Borrowing Options
      • Business Loan Calculator
      • Business Loan Brokers Explained
      • Commercial Vehicle Finance Options
      • Invoice Finance
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Wise Business Account Review
    • 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
      • Provisional Tax
      • Lighthouse Accounting Services Review
      • PAYE Tax Rates 2025 & 2026
      • Tax Codes in New Zealand
      • Minimum Wage
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • 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
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    • Pet Insurance
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      • Cat and Dog Desexing
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    • Business Insurance
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    • Find a Broker
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  • Credit Cards
    • Best Credit Cards
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    • 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
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    • Balance Transfer Credit Cards
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    • Reviews
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        • American Express Airpoints Platinum Review
        • AMEX Airpoints Platinum - Real Cardholder Reviews & Facts
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        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
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        • Qantas Credit Cards
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        • Emirates Skywards Credit Cards
        • RewardPay Review
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    • Guides
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  • Travel Money Cards
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    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
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      • USA Travel Money
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  • Banking & Savings
    • Banking
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    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Alternative Mortgage Options
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      • Top 10 Areas for First Home Buyers 2025
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      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • Bridging Finance
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      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
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      • 20 Property Investment Risks You Can't Ignore
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    • Building a House
      • NZCB Review
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      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
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      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
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      • What's My PIR?
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      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
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      • MAS KiwiSaver Scheme
        • MAS Review
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      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business Loans & Tools
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    • Business Essentials
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    • Online Services
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    • For Startups
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  • MSD
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    • Food Grants Guide
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  • Motoring
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      • Turners Cars Review
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • Best Car Batteries
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      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
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      • Best Ways to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
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      • 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
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    • Foreign Currency Exchange
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Mobile Data Roaming
    • Revolut eSIM – Real User Reviews, Facts & Comparison
    • Saily Review
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    • Apple Watch Buying Guide
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    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • NOW Broadband Review
      • One NZ Broadband Review
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      • Skinny Review
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  • Power
    • Compare Power Companies
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    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Electric Kiwi Review
      • Genesis Energy Review
      • Globug Review
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      • Powershop Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • Best and Worst Loyalty Programmes
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • 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
      • Financial Coaches
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
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      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Accountants in Auckland
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
        • Nielsen Online (Computer & Mobile Panel) Review
        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
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      • HelloFresh Review
      • My Food Bag Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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      • What To Do If You Do NOT Receive Your Refund
      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
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      • Temu Review
      • Affordable Online Clothes Shopping
      • Best Baby Clothes
      • Buy Books Online
      • Black Friday New Zealand Deals
      • Mother's Day Ideas and Gifts
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      • New Zealand Fashion Designers
    • Living Essentials
      • FInding a Rental in Auckland
      • Gym Memberships Guide
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    • Senior Living
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      • Rest Homes and Residential Care Facilities - Costs and Financing
      • Medical Alarms
    • Wedding Resources
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    • Home & Kitchen
      • Bathroom Renovations Guide
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      • Best Fridge Freezers
      • Best Mattresses
      • Best Slow Cookers
      • Best Pressure Cookers
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      • Best Ride-On Lawn Mowers
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      • Best Meat Thermometers
      • Best Printers
      • Best Computer Desks
      • Best Antivirus, Anti-Malware and Internet Safety Habits
      • Best VPN Services
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      • Best Wifi Extenders
      • Best Electric Scooters
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
      • Weight Loss Shakes
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  • Trade Services
    • Auckland Trade Services
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      • Car Detailing Auckland ​
      • Catering Auckland
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Mobile Data Roaming - October 2025 - The Definitive New Zealand Guide

Heading overseas? We compare data roaming plans from Spark, One NZ, Revolut, and 2degrees, as well as share tips to save money on roaming costs.
Compare Mobile Data Roaming Plans
Updated 27 October 2025 

Summary of Mobile Data Roaming Charges
  • Roaming costs are falling, and affordable deals are offered by Spark, One NZ and other networks to cover mobile data use in a number of countries. Knowing what countries are 'in the plan' is essential - data use can quickly become exorbitantly expensive. 
  • Roaming plans have catches and pitfalls which can cost dearly - we explain what to watch out for in detail below. 
  • Plans offer different things, but overall, Spark offers flat-rate roaming in fewer countries than its competitors. 
  • Finding the right plan comes down to where you are going, and how long you are going for. Overall, low-cost plans from Revolut almost always beat Spark, One NZ and 2degrees on price. Our Revolut eSIM Roaming Review has more information.
  • ​​If in doubt, turn off your phone's data connection - you can't be charged or use up allowances if your phone isn't connected. 
  • If you have been stung with a big bill, there is little you can do unless your phone was stolen (and then travel insurance may assist for unauthorised use)

Our guide covers:
  1. What are roaming charges?
  2. Roaming plans, top-ups and add-ons: We compare Spark, One NZ, and 2degrees Mobile
  3. Best roaming plans for travel 
  4. Roaming bill horrors (and 7 ways to avoid them happening to you)
  5. Frequently Asked Questions
  6. Hit with a roaming bill and don't know what to do?

Disclaimer: Roaming rates and country exclusions can change at any time - while we periodically keep this guide up to date, networks can adjust their prices, terms and conditions without notice, and we accept no liability for reliance placed on this guide. Before you decide on a roaming plan, ensure you understand the details of its pricing, coverage and limitations.​

MoneyHub Founder Christopher Walsh shares his views on roaming overseas:

"If I am out of New Zealand for more than a couple of weeks, I'm not keen on any of the deals offered by Spark, One NZ, 2Degrees etc. I find them expensive and limiting, and at the back of my mind, it's a risk that if you go over the allowance, you'll face a massive bill.

Instead, I do one of two things - use Revolut's roaming eSim app or buy a local Sim. I’ve been highly impressed with Revolut’s services, particularly their country-specific roaming packages available at fixed rates for 1, 3, or 5 GB of data. What stands out most is that if I run out of data, I can easily top up through the Revolut app, I used it in Europe in October 2024 and it was brilliant. 

If you're not keen on eSim, buying a local Sim is an easy option for anyone without an eSim-compatible phone. I suggest buying a prepaid data deal with a local provider when you arrive (avoiding scammy airport kiosks unless it is owned by a network), and insert it into a spare cheap phone and hotspot to my phone, computer or any other device as I need it. This way, I pay a one-off top-up fee, get a local number (which can be useful) and avoid the risk of a bill blowout. I then ensure roaming is disabled on my primary phone, and off I go. It's cheap, cheerful and low-risk, and it's also convenient. Once I leave the country, I usually throw the Sim out. It has worked wonderfully in places like the UK, Mexico, USA, Japan, Switzerland, France, Senegal and Thailand if I'm going to be there for a while. Otherwise, I'll use Revolut's roaming eSim service.

The plans below are published to help compare your options, but I believe they're not a good deal if you're travelling for more than a couple of weeks and need to roam without limits. However, if you're in Australia, Europe, America or Asia for a few days, then what's on offer may be sufficient and convenient".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder


What are roaming charges?

  • The term ‘roaming' refers to using your phone while you're overseas. Roaming starts as soon as your phone connects to a network outside of New Zealand. In the past, New Zealanders travelling overseas were charged a significantly higher rate for using their phone to make calls or use the internet. However, things are getting better - Spark, One NZ, and 2degrees all offer fixed-price roaming plans which cover 20-70 countries, meaning you can use data without being uncertain of the cost. 
  • But, while this sounds like good news, there are a number of ways the unfamiliar can get caught out and stung with a big bill. Firstly, many countries are not covered in each network's plan - so you will pay the 'casual' rate, which can be as high as $11.5 for 1 MB of data. And, if you go beyond your roaming plan's allowance, you will be charged more. And to confuse things more, roaming plans and allowances run on New Zealand time - so if you have a 7-day plan, it doesn't run out at 11:59pm in the country you are in, but 11:59pm New Zealand time.  
  • In this guide, we take a closer look at the pros and cons of roaming plans, and how they operate. We don't compare roaming data plans with minutes and SMS allowances. We observed that adding these does not significantly affect the cost of a plan, and in many cases, there is no difference in the overall price.

How to avoid roaming charges?

You don't need to buy a roaming plan if you are not planning to connect your phone to an overseas network. Many New Zealanders frequently travel around the world without a roaming plan, choosing instead to keep their data connections off and rely on local WIFI or using a local SIM. Both options mean you still get the benefits of being able to use apps, but no phone calls can be received - and for many people that's not a problem.

Our Favourite Game-Changing Roaming Solution Explained

Travelling Overseas? Revolut eSIM Ends Roaming Fears and Rip-offs
While Spark and One NZ charge high and have plans scheduled around NZ time, our roaming research confirms Revolut offers transparent, prepaid data that just works. Revolut is popular for data roaming for many reasons:
  • It's cheaper than NZ networks by 30-60% - this includes plans for Australia, USA, Asia and Europe
  • No bill shock - Prepaid packages mean no $200+ surprise bills when you get home
  • 100+ countries, one app - Top up instantly
  • Real user proof: MoneyHub recently heard from a reader -"Revolut, NZ$25 for 5GB in Italy. Two years back, One NZ cost us triple that"
  • 5-minute setup - Install before you fly, activates automatically when you land
  • Our Review of Revolut's Roaming Service explains more

Our View: Revolut is data-only (use WhatsApp for calls), but that's exactly why it's affordable. Your physical SIM stays active for emergency calls while Revolut handles all your data needs. Get Revolut eSIM for Your Next Trip.

Consider Revolut if:
  • You're travelling overseas (even just to Australia)
  • You want to avoid roaming bill horror stories
  • You prefer prepaid with no risk of overages
  • You need data in multiple countries
  • You're visiting multiple countries on one trip
  • You need more than the 1-2GB daily limits NZ networks impose
Revolut Roaming Review NZ
Roam with Revolut

How to avoid roaming charges

What roaming plans, top-ups and add-ons does my network offer?

No roaming plan is like the other. To make everything clear and highlight the best inclusive roaming schemes, take a look at the table below. If you want more detail about what each network offers, scroll down a bit further and we'll outline the roaming rates and plans offered by Spark, One NZ and 2dgrees in more detail.

Warning: The network plans mentioned below include a selection of popular countries which the roaming plan covers. If you're going further afield, your destination may not be covered. To avoid problems like big bills our service outage, check with your network to see what zone or band your destination(s) are classed as before deciding to buy a roaming pack. In some countries, where 1 MB can cost as much as $5 or $10, it will be cheaper to buy a local SIM or keep your data connection turned off.
Network
Who do roaming options apply to?
Cost
​Destinations covered
Spark
Prepaid and Monthly customers
$30 for 2 GB (valid for 14 days)
Casual rates: $11.50 for 200 MB
63
One NZ
Prepaid and Monthly customers
$9/day (monthly customers only)
Prepaid:
$6 for 200 MB (valid for 24 hours)
$22 for 1 GB (valid for 7 days)
Casual rates vary
Daily Data Only plan: $3.45 for 50MB
Weekly Data Only plan: $17.25 for 1GB
100+
2degrees
Prepaid and Monthly customers


Daily Roaming Destination Countries (Data, Text and Call): 
$8 per day (1 GB of max speed data per day)

100+
Revolut
Prepaid service only
Low-cost plans per country or region - visit Revolut

Our Revolut eSIM Roaming Review has more information
100+
.



spark mobile data roaming compare
What does Spark offer?
Spark offers fixed-price roaming in around 60+ countries around the world as part of its 'Roaming Pack'. However, if you go over the allowance, you pay 'casual rates', or purchase another roaming data pack. Spark's coverage is less extensive than that of OneNZ and 2Degrees, and their casual rates can be high. Before travelling, check if you are covered and what casual rates might apply if you venture our of the locations included in the roaming pack.

Australia:
  • 24-Hour Roaming Pack: $8 for 24 hours with 1GB, with unlimited outgoing calls, unlimited incoming calls and unlimited texts* to Australia and New Zealand numbers. 
  • 14-Day Roaming Pack: $30 for 14 days with 2GB, with 300 minutes of outgoing calls, 300 minutes of incoming calls and 300 texts* to Australia and New Zealand numbers.
  • 14-Day Roaming Data Pack: $25 for 14 days with 2GB 

Roaming Pack pricing:
  • Roaming Pack: $30 for 2 GB (valid for 14 days) , 300 minutes of outgoing and incoming calls, and 300 texts with limit of 160 characters per text. 
  • Roaming Data Pack: $25 for 2 GB (valid for 14 days) 
  • Casual rates (if you don't buy a pack): $11.50 per 200 MB

Roaming Pack Destinations include:
  • In Oceania: American Samoa, Australia, Cook Islands (incl. Rarotonga), Fiji, French Polynesia, Nauru, Papua New Guinea, Samoa, Tonga, Vanuatu
  • In Europe: Austria, Belgium, Croatia, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Italy (including San Marino and Vatican City), Luxembourg, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, UK (England, Scotland, Wales, Northern Ireland, Channel Islands i.e. Jersey and Guernsey etc. and Isle of Man)
  • In Asia: China, Hong Kong, India****, Indonesia, Japan, Macau, Malaysia, Philippines, Qatar, Saudi Arabia, Singapore, South Korea, Taiwan, Thailand, UAE, Vietnam
  • In North America: Canada, Mexico, USA*** (including Hawaii, Alaska, Puerto Rico and US Virgin Islands)
  • In South America: Argentina, Brazil, Venezuela**
  • In Africa: South Africa
*Note: Municipalities, independent city states within roaming countries and independent islands may not be included in Roaming Pack. Please check specific destination roaming details.
**Note: Roaming for Prepaid customers unavailable.

Renewal: Roaming Data Packs are activated after first roaming use in eligible destinations, and will expire seven days after the next New Zealand midnight, after the first roaming use or full consumption of the pack inclusions.
​More details: Visit Spark's roaming rates and packages

Our view: If you're sticking to Roaming Pack countries while you travel, Spark's roaming package is more than sufficient especially when travelling for a few days, and cheaper than One NZ's 7-day package. However, things get tricky if you're on a trip which goes outside the Roaming Pack countries - Spark will either become inconvenient, very expensive, or both. New Zealanders often find themselves facing high costs. If this is you, you'll need to consider buying a local SIM or an eSIM.

vodafone mobile data roaming compare
What does One NZ offer?
One NZ offers roaming plans for both monthly 'On Account' plans, and Prepay. The number of countries included in the standard roaming plan exceeds 100, which is far superior to the plan offered by Spark..  

Australia: Australian data roaming for On Account and Prepay customers are covered in the plans below.

On Account plan (for existing monthly One NZ customers):
  • $9/day (monthly customers only), using your current New Zealand plan's data, as well as minutes and TXT allowances.
  • If you run out of data, One NZ offers data top-ups
  • ​More details, including the 100+ countries covered, are outlined here.

Prepay data plan options:
Prepay Roaming Add-Ons - Data + Calls & Text packs:
  • Daily Prepay Roaming add on - $6 for 200 MB, 20 minutes for calls, 20 texts  (valid for 24 hours)
  • Weekly Prepay Roaming add-on - $22 for 1 GB, 100 minutes for calls, 100 texts (valid for 7 days)

Prepay Roaming Add-Ons - Data Only:
  • Daily Data Only  - $3.45 for 50 MB
  • Weekly Data Only - $17.25 for 1 GB

Renewal: Roaming Add-Ons are valid until midnight NZ time. If you purchased the Daily Add-On before midnight NZ time, you will be able to use it until midnight NZ time the next day. If you purchased the Weekly Add-On before midnight NZ time, you will be able to use it for the next 7 full days (NZ time). One NZ confirms via SMS when your bundle is due to expire.
Casual rates (i.e. no plan):  57 cents per MB (Australia), $11.50 per MB (rest of world). 
More details: Visit One NZ's prepay roaming rates and packages

Our view:
  • One NZ outperforms every other network with its list of 100+ destination countries for account plan holders when the changes are implemented. This allows multi-country travel a lot easier if the destinations are included in the roaming plan. 
  • If you're a prepay customer and heading to one destination, One NZ has become cheaper ($22 per 1 GB, vs Spark's $25).
  • One NZ's $6 daily plan might be cheaper than having a monthly plan. However, you may want to consider having a monthly plan to take advantage of the 100+ destination countries. Taking this option can work out cheaper if you want the freedom to use your normal data limit without worrying about a 1 GB plan limit. 

2 Degrees mobile data roaming compare
What does 2degrees offer?
$10 daily roaming includes data usage, unlimited texts and outgoing calls to the following countries and New Zealand:
Anguilla, Antigua & Barbuda, Argentina, Aruba, Australia, Austria, Barbados, Belgium, Bermuda, Brazil, British Virgin Islands, Bulgaria, Canada, Cayman Islands, Chile, China, Colombia, Cook Islands (additional $1.15/min to receive calls^), Costa Rica, Cote D'Ivoire (Ivory Coast), Croatia, Cyprus, Czech Republic, Denmark, Dominica, Dominican Republic, Ecuador, El Salvador, Estonia, Fiji (additional $1.15/min to receive calls^), France, Germany, Ghana, Greece, Grenada, Guatemala, Guernsey, Guyana, Haiti, Hong Kong, Hungary, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Kenya, Latvia, Liechtenstein, Lithuania, Luxembourg, Macau, Macedonia, Malaysia, Malta, Mexico, Mongolia, Montenegro, Montserrat, Morocco, Nauru (additional $1.15/min to receive calls^)*, Nepal, Netherlands, Norway, Panama, Papua New Guinea (additional $1.15/min to receive calls^), Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Romania, Samoa (additional $1.15/min to receive calls^), San Marino, Saudi Arabia, Serbia, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Sweden, Switzerland, Taiwan, Thailand, Tonga (additional $1.15/min to receive calls^), Turkey, Turks & Caicos, United Arab Emirates, United Kingdom, United States, Uruguay, Vanuatu (additional $1.15/min to receive calls^), Vatican, and Vietnam.

Note: When roaming in Fiji, Cook Islands, Western Samoa, Vanuatu, Tonga and Papua New Guinea it costs $1.15 per minute to receive calls on your device. Calls rounded up to next whole minute. In most cases it's best for you to call your family and friends.
*Additional $1/min to receive calls

Destinations not listed above requires a $57 Roaming Add-On that provides you with 500MB and the following charges apply:
  • $3.45 per minute to call anywhere in the world**
  • $1.15 per minute to receive any call (including to voicemail)
  • $0.91 a text sent to anywhere in the world**
​**Does not include premium or satellite numbers.​
​
Renewal: In $8 per day roaming destinations, the daily rate applies each day you use your phone, including to make or receive calls (including via voicemail), send texts or use data. 300kbps max speeds apply in some destinations. After 1GB of max speed data per day max speeds reduce to 128Kbps. A day is 00:00 to 23:59 NZ time. 

More details: Visit 2degrees' roaming rates

Our view:
  • 2degrees offers competitive pricing with their "Aussie on Us" promotion and the $8 per day roaming rate to more than 100 destination countries. 

.


Picture
What does Revolut offer?
Revolut offers eSIM data-only roaming plans that work in 100+ countries worldwide, with country-specific, regional, and global packages available through their mobile app. Unlike traditional roaming, Revolut's eSIM is prepaid with no risk of bill shock, and plans are based on validity periods rather than NZ time zones.
Important: Revolut eSIM is data-only; you cannot make or receive traditional phone calls or SMS texts. However, WhatsApp, Messenger, and other data-based communication apps work perfectly, and you can keep your physical NZ SIM active for emergency calls.

Revolut's roaming pricing starts at around $7 for 1 GB, depending on your destination, with country-specific, regional (Europe, Asia Pacific, Americas, Africa), and global plans available. Data packages range from 1 GB to 100 GB with validity periods of 7, 30, or 60 days from activation, giving you flexibility to choose the right amount of data for your trip length.
The service offers instant activation through the Revolut app with no daily data limits, meaning you can use your full allowance whenever you need it. Hotspot and tethering are fully supported; you can top up instantly in-app. The eSIM works alongside your physical SIM using dual SIM functionality, with 24/7 in-app support available.

Requirements: All you need is an eSIM-capable phone (most phones from 2019 onwards), and a Revolut app account.

Renewal: Plans expire after the validity period (7/30/60 days) or when data is consumed. You can top up instantly through the app at any time.

More details: Visit Revolut's eSIM information or see our detailed Revolut eSIM Review

Our view: Revolut provides a practical alternative to traditional roaming for New Zealanders travelling overseas. The data-only limitation won't matter to most travellers who rely on WhatsApp and similar apps, especially since their plans are considerably cheaper than those of regular providers. The prepaid model removes the risk of unexpected charges; you buy your data upfront and that's all you'll pay, unlike traditional roaming, where exceeding limits can trigger expensive casual rates. For trips lasting a few days or for visits to multiple countries, regional or global plans offer convenience and good value. Revolut generally works out cheaper and simpler than conventional roaming plans from Spark, One NZ, or 2degrees.


Our Favourite Game-Changing Roaming Solution Explained

Travelling Overseas? Revolut eSIM Ends Roaming Fears and Rip-offs
While Spark and One NZ charge high and have plans scheduled around NZ time, our roaming research confirms Revolut offers transparent, prepaid data that just works. Revolut is popular for data roaming for many reasons:
  • It's cheaper than NZ networks by 30-60% - this includes plans for Australia, USA, Asia and Europe
  • No bill shock - Prepaid packages mean no $200+ surprise bills when you get home
  • 100+ countries, one app - Top up instantly
  • Real user proof: MoneyHub recently heard from a reader -"Revolut, NZ$25 for 5GB in Italy. Two years back, One NZ cost us triple that"
  • 5-minute setup - Install before you fly, activates automatically when you land
  • Our Review of Revolut's Roaming Service explains more

Our View: Revolut is data-only (use WhatsApp for calls), but that's exactly why it's affordable. Your physical SIM stays active for emergency calls while Revolut handles all your data needs. Get Revolut eSIM for Your Next Trip.

Consider Revolut if:
  • You're travelling overseas (even just to Australia)
  • You want to avoid roaming bill horror stories
  • You prefer prepaid with no risk of overages
  • You need data in multiple countries
  • You're visiting multiple countries on one trip
  • You need more than the 1-2GB daily limits NZ networks impose
Revolut Roaming Review NZ
Roam with Revolut

Best Roaming Plans for New Zealanders

Best Roaming Plans for Travel

1 Week in Australia
  • Low data user: Spark - $25 for 2 GB (valid for 14 days)  - total cost = $25
  • High data user:  One NZ - $9/day to use existing plan allowance (monthly plan customers only) - total cost = $63
  • ​The Cheapest deal: Revolut - $14.50 for 3GB (valid for 30 days) 
    Low-cost plans from Revolut almost always beat Spark, One NZ and 2degrees on price. Our Revolut eSIM Roaming Review has more information. 
    *Prices are subject to change

2 Weeks in the UK or USA
  • Low data user: Spark - $25 for 2 GB (valid for 14 days) - total cost = $25
  • High data user:  One NZ - $22 for 1 GB (valid for 7 days) or $9/day to use existing plan allowance (monthly customers only) - total cost = $44 or $126
  • ​The Cheapest deal: Revolut - $17 for 3GB in UK or $18 for 3GB in US (valid for 30 days) 
    Low-cost plans from Revolut almost always beat Spark, One NZ and 2degrees on price. Our Revolut eSIM Roaming Review has more information.
    *Prices are subject to change

​2 Weeks in Japan
  • Low data user: Spark - $25 for 2 GB (valid for 14 days) - total cost = $25
  • High data user:  One NZ - $22 for 1 GB (valid for 7 days) or $9/day to use existing plan allowance (monthly customers only) - total cost = $44 or $126
  • ​The Cheapest deal: Revolut - $13.50 for 3GB (30 days)
    Low-cost plans from Revolut almost always beat Spark, One NZ and 2degrees on price. Our Revolut eSIM Roaming Review has more information.
    *Prices are subject to change
​
4 Weeks in Europe (including the UK)
  • Low data user: Spark - $25 for 2 GB (valid for 14 days), total cost = $50
  • High data user:  One NZ - $22 for 1 GB (valid for 7 days) or $9/day to use existing plan allowance (monthly customers only) - total cost = $88 or $270
  • ​The Cheapest deal: Revolut - $21.50 for 3GB or $34 for 5GB
    Low-cost plans from Revolut almost always beat Spark, One NZ and 2degrees on price. Our Revolut eSIM Roaming Review has more information.
    *Prices are subject to change

Compare Mobile Data Roaming Plans

Roaming Bill Horrors (and 7 Ways to Avoid Them Happening to YOU)

MoneyHub New Zealand

Understand that your roaming plan will run out at 'midnight New Zealand time'...not midnight local time

  1. Spark makes it clear: The Roaming Pack and Roaming Data Pack is activated after first roaming use in eligible destinations and will expire seven days after the next New Zealand midnight, after the first roaming use or full consumption of the pack inclusions
  2. One NZ makes it clear: If you purchased the daily Add-On before midnight NZ time, you will be able to use it until midnight NZ time the next day. If you purchased the weekly Add-On before midnight NZ time, you will be able to use it for the next 7 full days (NZ time).
  3. 2degrees makes it clear: The applicable number of days that a 2degrees Roaming Pack is valid for is based on NZ standard time. For example, if you purchase a Globetrotter Pack at 9:00am on 1 January NZ standard time, the Pack is valid for 14 days until 11:59pm on 15 January standard NZ time.

Fixed-period plans start once purchased
If you want a 24-hour plan, 7-day plan or anything else, all networks activate your bundle as soon as you purchase it. This means if you buy a 7-day plan but take two days to get to your destination, you will only have five days of use left. Networks generally suggest you only purchase a plan when you land,

MoneyHub user Annabel describes her experience:
"My Spark week-long plan was due to run out on Monday, so I happily used the remaining 400 MB of data by browsing while I was on a train from Edinburgh to London. Little did I know that the plan ran out on Monday midnight New Zealand time, not UK time, so my 400 MB of browsing stung me with a $20 bill as I no longer has a 'pack' to use". 
MoneyHub New Zealand

Loading a map sucks up lots of data and cost you dearly

Additional MB data use is costlier than a plan, but if you're connecting in a country not covered by a plan, you take a huge risk.

MoneyHub user Benjamin describes his experience:
"We were in Oslo about to leave for New Zealand. Our data plan has run out, and I didn't renew it as we were about to get on the plane. The hotel WIFI stopped working and I needed to buy an extra bag and print out the boarding passes to save money and time at the airport. I used my phone, thought nothing of it, and arrived back in Auckland with a $250 bill for excess data use for 70 MB of data. I would happily have paid $5 or $10 or even $15, but I thought $250 was a mistake - it wasn't".
​
MoneyHub New Zealand

One NZ, Spark and 2degrees don't control what network your phone connects to

This means that if you don't have roaming activated, using the network you connect means you are 'legally agreeing to the charges' and will have to pay them when your bill comes. For example, if you land in Dubai, and get an SMS saying 'Welcome to Dubai, calls cost NZ$15/minute, data is $25/GB, SMS is $5 to send, free to receive...", this is exactly what you will pay. 

Same Countries, Different Roaming Rates
Between Spark and One NZ, there are different roaming rates for the same country. For example, if you stop off in Dubai for five days, and use 1 GB of data, with a Spark roaming plan you will pay $20 or $15, depending on the plan you pick. If you are with One NZ, which does not offer the UAE in its standard roaming plan, you would pay $250 (as it sells 200 MB of data for $50 as part of its 'Data Angel Overseas' package). But if you go prepay, One NZ would charge an astonishing $10,000 for 1 GB.

Unlike One NZ, Spark doesn't offer all-inclusive roaming packages for customers in many European countries. If you're in any of those countries, you will pay a whopping $3+ per 1 MB if you are a Pay Monthly customer, or $5+ per 1 MB if you are a Prepaid customer.

The lesson from this is to be 100% clear on what your roaming plan covers, and to make sure you get usage updates. Many providers offer a free TXT service to notify you when you've used 80% and 100% of your data. This means you will know exactly what you're spending and what you have left in your allowance.
MoneyHub New Zealand

Not turning off data while you fly to/from New Zealand, or go near to non-roaming plan countries, is a bad idea

You may forget to hit airplane-model in the excitement of leaving New Zealand, but if you fly to Europe, or anywhere for that matter, you can incur some hefty bills. The same goes for cruises and sailboats. If you have data on, apps will connect and download, costing you money unless your plan covers the country the network is in. You can avoid this risk by setting your phone to airplane mode while flying, and being clear about what countries are covered in your plan (even if you don't plan to visit them).

Guidance from English regularity organisations suggests that mobile phones will connect to the strongest network available, and users should be careful using their phone close to a border or when flying. It states that a mobile device, unless set in 'manual network selection mode', is designed to connect a customer to the strongest mobile network available. If you are out at sea or in the air, and your phone connects to a network that is not covered by your plan, you will be charged. So even if your plan covers Montenegro but somehow you connect to an Albanian network, you will be billed for whatever data you use.

MoneyHub user Matt describes her experience:
"I flew from Singapore to London, left on data, and picked up 'Welcome to' messages from Malaysia, Oman, Azerbaijan, Turkey, Romania and Belgium. Half of these countries were not on my roaming plan, so I got a $100+ bill. It wasn't a great way to start my holiday."
MoneyHub New Zealand

Cruise ship and in-flight roaming is NOT covered by your network's roaming plan

Most networks have stopped offering in-flight roaming and instead direct you to the airline. It's a similar story for cruise ships as well. In any case, before connecting, make sure to check the costs if you’re taking a cruise or using In-flight roaming on the plane as they vary and will be different from your network's roaming rates.
MoneyHub New Zealand

If in doubt, turn off data

The easiest way to have zero roaming charges is to turn off your phone's data connection. You can never be charged if you're not connected. Plenty of free WIFI exists - hotels, cafes, bars and even on some airlines (Air New Zealand is one of them).
MoneyHub New Zealand

If you're going away for a while and/or visiting lots of countries, consider a local SIM or an eSIM

Europe, Japan and America all have cheap and easy-to-activate prepaid SIM deals which are far more price competitive than New Zealand network roaming charges. In Europe, mobile network Lebara is everywhere and you can get a European-roaming plan for around £20 (~NZ$40) giving you 10GB. In Japan, 14-day unlimited data plans cost around US$80 (~NZ$120) which can be much cheaper than any NZ roaming deal. Best of all, you can continue to use your apps if you turn-off data on your current SIM, and use the local SIM for your data needs.

Compare Mobile Data Roaming Plans

Mobile Data Roaming Frequently Asked Questions

Deciding on whether to roam or not, and then what plan to buy, is not easy. We've prepared answers to frequently asked questions below. ​

What is the difference between mobile data and data roaming?

Mobile data is what your phone uses to connect to the internet, i.e. the volume of MB or GB that is sent to the phone. Data roaming is when you take your phone out of New Zealand and connect to a local network, such as Optus in Australia or T-Mobile in the USA.

What should I do with my phone when travelling internationally?

It's up to you - if you believe having access to mobile data wherever you are you will be useful, you can look at a roaming plan. If you think you can manage by only connecting to WIFI spots, then you can avoid a roaming plan. New Zealand networks make it easy to buy roaming at any time - usually an SMS message will activate it, so if you do urgently need data, plans with One NZ or Spark start at $15.

Do you get charged roaming when using WiFi?

No, as long as your data connection is disabled.

How do I avoid roaming charges?

The best way to avoid roaming charges is to turn off the data connection on your phone, password protect it so if it gets lost or stolen no one can use data, rely on WIFI hotspots and/or buy a local SIM card which will usually offer better rates for data use.

How do I know if my phone is roaming?

Your phone will display an icon if it's data connection is on - it will also show the name of the network you are connected to, although each phone has different settings and needs to be individually managed.

When should I use data roaming?

That's entirely up to you - if you need to be 'available' via email or WhatsApp 24/7, then data roaming is probably essential. If you're going on holiday and can happily travel around without a constant connection, data roaming probably isn't necessary. 

Our Favourite Game-Changing Roaming Solution Explained

Travelling Overseas? Revolut eSIM Ends Roaming Fears and Rip-offs
While Spark and One NZ charge high and have plans scheduled around NZ time, our roaming research confirms Revolut offers transparent, prepaid data that just works. Revolut is popular for data roaming for many reasons:
  • It's cheaper than NZ networks by 30-60% - this includes plans for Australia, USA, Asia and Europe
  • No bill shock - Prepaid packages mean no $200+ surprise bills when you get home
  • 100+ countries, one app - Top up instantly
  • Real user proof: MoneyHub recently heard from a reader -"Revolut, NZ$25 for 5GB in Italy. Two years back, One NZ cost us triple that"
  • 5-minute setup - Install before you fly, activates automatically when you land
  • Our Review of Revolut's Roaming Service explains more

Our View: Revolut is data-only (use WhatsApp for calls), but that's exactly why it's affordable. Your physical SIM stays active for emergency calls while Revolut handles all your data needs. Get Revolut eSIM for Your Next Trip.

Consider Revolut if:
  • You're travelling overseas (even just to Australia)
  • You want to avoid roaming bill horror stories
  • You prefer prepaid with no risk of overages
  • You need data in multiple countries
  • You're visiting multiple countries on one trip
  • You need more than the 1-2GB daily limits NZ networks impose
Revolut Roaming Review NZ
Roam with Revolut

data roaming spark

Hit with a roaming bill and don't know what to do?

  • The reality is this - roaming charges 'out of plan' can be very high, and there is little option to avoid paying it. You may protest, but the position from the network is clear - you connected, you knew the charges, you used the service, you pay. 
  • Yet roaming remains contentious - many people question why roaming rates cost so much when other networks, outside of New Zealand, charge a lot lower.
  • If you do feel as if you have been unfairly billed, you have the right to complain to your network who will consider your reasons for not wanting to pay the charges, and the merits of your claim overall.

If you have any comments to make about roaming charges, please contact our research team.

Related Guides:
  • Revolut Roaming Review
  • Compare eSIM Plans
  • Compare SIM Only Plans
  • Compare Mobile Phone Plans

Important: Do you need Travel Insurance? Too many New Zealanders take the risk and travel without it. Our Compare Travel Insurance guide helps you find affordable coverage from trusted insurers with a history of paying claims. We also compare by country to help you make finding what you need easier: 
  • Australia and the Pacific: Australia, Fiji and Rarotonga
  • Asia: Bali, China, India, Japan, Malaysia, Singapore, South Korea, Thailand and Vietnam
  • Americas & Africa: Canada, Peru, South Africa and USA
  • Europe: France, Greece, Italy and the UK​
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