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

This guide explores various options for trading Bitcoin and other cryptocurrencies on exchanges in New Zealand.
Bitcoin Exchanges NZ
Updated 10 March 2025
Summary
  • Exchanges differ from other venues where you can buy cryptocurrencies, such as brokers or dealers, which we discussed in our How to Buy Bitcoin in New Zealand guide. The main distinguishing features of exchanges are extended trading functionality, lower fees and more trading pairs.
  • There are different types of crypto-exchanges, such as fiat exchanges, stablecoin exchanges, decentralised exchanges and derivatives exchanges.
  • Exchanges have many similarities and differences to regulated stock exchanges, which are highlighted in this guide.

We've published this guide to help anyone curious about how crypto exchanges work, and what options are available to New Zealand residents.​ Our guide covers:
  • What is a Cryptocurrency Exchange?
  • ​Types of Bitcoin Exchange
  • ​Crypto Exchanges versus Stock Exchanges
  • Bitcoin Exchanges for New Zealand Investors and Traders
  • ​Bitcoin Exchanges - Frequently Asked Questions

Warning:
  1. By publishing this guide we are not recommending or suggesting in any way or form that Bitcoin or any other cryptocurrency is a suitable investment. It is published to help people understand bitcoin (and cryptocurrency) exchanges in detail - MoneyHub is conservative and our publisher, Christopher Walsh, has zero Bitcoin or other cryptocurrency investments.
  2. We present this information in good faith and remain objective at all times. ​By including this guide under our Investing and Saving section, we are not advocating that cryptocurrency is an investment. We may earn a referral bonus for anyone that clicks on some of the below links - see our Advertising Policy for more details.
Know this first:
  1. The price of Bitcoin has proven to be turbulent, with broad intraday price swings in the range of several thousands of dollars there are opportunities to lock in some gains by speculating on the frequent ups and downs, should they persist.
  2. The market volatility might be appealing to short-term traders and speculators, rather than long-term investors, often referred to as HODLers in the crypto-community. Keep in mind that active day trading is hazardous and should only ever be conducted by investors with adequate experience in risk management and market timing.
  3. Even if you’re not a day-trader, it might benefit you greatly to understand how Bitcoin exchanges work and which ones are available to New Zealanders.​

Cryptocurrency Exchanges vs Platforms - What is the Difference?

  • ​A cryptocurrency exchange is a marketplace for buyers and sellers to trade cryptocurrencies with each other. The prices for each cryptocurrency reflect current market prices. Exchanges charge fees for trading and are usually more popular with experienced users. 
  • Cryptocurrency platforms let you buy and sell cryptocurrency at prices set by the platform. Platforms are generally less complicated than exchanges and make their money from building in a margin/commission in each trade, usually around 3% - 5%. 

Buying bitcoin with two local and trusted platforms - Easy Crypto and Swyftx (important - these are not exchanges)

  • Our research highlighted several bitcoin platforms, but few are based in New Zealand and offer transparency. For this reason, we suggest considering the locally-owned (and trusted) Easy Crypto and Swyftx, an Australian-based platform.
  • Please note, both of these New Zealand-based companies are platforms (not exchanges).
  • These two platforms are popular with our users, have esteemed reputations and are trusted by tens of thousands of New Zealanders.
  • Both options are free to join, funded from any New Zealand bank account/card, and in the case of Easy Crypto, there is a local support team.
  • Advertising Disclosure: We may earn a referral bonus for anyone that clicks on some of the below links - see our Advertising Policy for more details.
Visit Easy Crypto
Visit Swyftx (Get $10 of BTC free)

Bitcoin Exchanges NZ

What is a Cryptocurrency Exchange?

A cryptocurrency exchange is a venue where you can trade Bitcoin and many other cryptocurrencies. An exchange facilitates trades between buyers and sellers by hosting an order book and matching orders. The exchange’s order book is populated with limit orders submitted by users of the exchange.

Exchanges work with two types of orders; market orders and limit orders. A limit order is submitted with a specified price, and the exchange must fill the order at the specified price, or better. Limit orders will rest in the order book until they are matched to other users’ orders, usually market orders. A market order will be immediately filled using the order book’s best available prices.
BTC_USD Depth Chart Coinbase
BTC/USD order book (left) and depth chart (right)
As you can see from the image above, there are numbers and a graph in green, which represent buy limit orders, and orange represents sell limit orders. The height of the graph refers to the depth of the market. You can see there are pending orders to buy just over 10,000 BTC and orders to sell more than 6,000 BTC in this example.

Liquidity is an essential characteristic of a practical exchange. An active and liquid market usually results in better prices.

Crypto Exchanges Versus Brokers and Dealers

Our how to buy Bitcoin in New Zealand guide focuses primarily on buying cryptocurrencies locally in New Zealand. This guide concentrates on exchanges. Before diving in, we surmise the differences between crypto exchanges and brokers.

Crypto exchanges offer a comprehensive trading experience by providing platforms with configurable charts with adjustable timeframes, formats, and technical analysis tools. The interface shows the order book, depth chart and a stream of last trades. You’re able to submit pending limit and market orders (better known as stop orders). This option is suitable for active or experienced traders.

A Bitcoin retailer or broker offers an e-commerce experience when buying cryptocurrencies, typically via debit or credit card. These services only provide a simple interface and do not have advanced order types or price analysis tools. This option is suitable for someone who wants to buy Bitcoin without much fuss.

Buying bitcoin with two local and trusted platforms - Easy Crypto and Swyftx (important - these are not exchanges)

  • Our research highlighted several bitcoin platforms, but few are based in New Zealand and offer transparency. For this reason, we suggest considering the locally-owned (and trusted) Easy Crypto and Swyftx, an Australian-based platform.
  • Please note, both of these New Zealand-based companies are platforms (not exchanges).
  • These two platforms are popular with our users, have esteemed reputations and are trusted by tens of thousands of New Zealanders.
  • Both options are free to join, funded from any New Zealand bank account/card, and in the case of Easy Crypto, there is a local support team.
  • Advertising Disclosure: We may earn a referral bonus for anyone that clicks on some of the below links - see our Advertising Policy for more details.
Visit Easy Crypto
Visit Swyftx (Get $10 of BTC free)

Bitcoin Exchanges NZ

Types of Bitcoin Exchange

​Bitcoin and cryptocurrency exchanges come in various flavours, before settling on an exchange for your crypto-trading activities, consider these variables:
Fiat exchanges

Fiat exchanges

Fiat exchanges offer relatively seamless methods to fund your trading account using fiat currencies, i.e. New Zealand dollars or US dollars. Additionally, fiat exchanges will offer trading pairs which consist of one cryptocurrency and one fiat currency, i.e., BTC/USD, ETH/EUR. It is not common to find exchanges offering a market for BTC/NZD.

Keep in mind that BTC/USD will always be the most liquid fiat denominated Bitcoin market. The impact of having more substantial liquidity is tighter spreads and more weight behind the better prices.
Stablecoin exchanges

Stablecoin exchanges

​Many exchanges rely on a concept called stablecoins, which are a type of cryptocurrency backed one-for-one with a fiat currency. As the issuer of a stablecoin commits to backing the coin one-for-one, the price remains stable. You may have heard of Tether (USDT) or True USD (TUSD), these are examples of well-known stablecoins.

Due to the legal and regulatory implications of holding customer deposits in national currencies, or offering a market quoted in fiat currencies, exchanges circumvent complications by using stablecoins instead. The experience traders have on the trading platform is seamless, but some extra steps are involved when repatriating your money.
Decentralised exchanges

Decentralised exchanges

​Decentralised exchanges, also known as DEXs, are less common due to many traits that most people would consider cumbersome. The primary advantage of using a DEX is they operate without holding funds in an exchange account to place orders.

​DEXs primarily appeal to privacy & security advocates and blockchain enthusiasts. The reality is, these platforms are slow and have a low rate of adoption, resulting in low liquidity, underdeveloped trading features and ultimately a poor trading experience.
Derivatives exchanges

Derivatives exchanges

Many large crypto exchanges have evolved from merely offering spot exchange markets and developed leveraged Bitcoin derivatives trading features. Typical derivatives products include margin trading, futures, perpetual futures, options, and other creative products. Depending on the product, some platforms offer modest leverage of 1-to-10 and others as much as 1-to-200.

Trading Bitcoin and other cryptocurrencies are already very risky. Applying leverage to your trades can have catastrophic consequences. Leverage is only suitable for advanced traders.

Bitcoin Exchanges NZ

Crypto Exchanges versus Stock Exchanges

If you’re familiar with trading securities on regulated stock exchanges, understanding the role of a cryptocurrency exchange might seem intuitive to you. However, some caveats differ crypto-exchanges from traditional exchange-traded products.

A cryptocurrency exchange is a venue that welcomes traders of all levels; there is no requirement to be a professional institution, nor are there any membership fees or quotas determining how much volume you should trade.

When you open an account with a Bitcoin exchange, usually following verification of your identity, you deposit fiat or crypto to your trading account. After your orders are matched and filled, the exchange is settled in your account immediately, and you may withdraw the purchased asset immediately after the trade is complete.

That might seem very logical, but in the environment of regulated markets, i.e., NZX, ASX, NASDAQ etc., most of these functions are isolated. Purchasing a share of Apple from the NASDAQ exchange will require the participation of a broker-dealer, a depository, a transfer agent, and of course, the stock exchange.
Function
Crypto
Equities
Market access
Crypto-exchange
Broker-dealer
Order execution
Crypto-exchange
Stock-market
Settlement
Crypto-exchange
Transfer agent
Holding assets
Crypto-exchange
Depository
Safeguarding
​Cold wallet/hard wallet
​Custodian bank

Bitcoin Exchanges NZ

Bitcoin Exchanges for New Zealand Investors and Traders

​Assuming you have weighed the pros, cons and risks of investing in or trading cryptocurrencies on an exchange, here is a brief list of options open to New Zealanders.
Swyftx review

Swyftx

Swyftx launched its dedicated New Zealand platform in August 2021 with a focus on low fees, minimal spreads and a wide choice of coins. The exchange offers 280+ different coins, including Bitcoin. Almost all coins are able to be sourced through the Swyftx order page.

The details:
  • Fiat payment methods: To buy Bitcoin with New Zealand dollars on Swyftx, only bank transfers are permitted.
  • Withdrawal fees: Minimum withdrawal of NZ$30 with a NZ$10 withdrawal fee.
  • Trading fees: 0.6% platform fee on the value of the transaction. Swyftx states that it offers high volume discounts.
  • Verification requirements: The steps from signup to trade are simple - first, users create an account (by entering their name and details). Then, Swyftx verifies your ID (via photo ID, phone number and email address) and, once done, asks for a deposit (made via bank transfer). Once the deposit has cleared, users can start trading.
  • Limits: Daily deposit limit up to NZ$50,000, no trading limits.
  • Markets available: Various
  • More details: Visit Swyftx and/or read our Swyftx review.
Binance NZ

Binance

Binance is one of the largest cryptocurrency trading platforms in the world, according to daily trading volumes. Besides hosting one of the most active Bitcoin exchanges, the platform offers a wide range of alternative coins and trading pair combinations. In total, you can find almost 400 crypto assets and well over 1,000 trading pairs. Binance offers a series of other crypto investment products and services alongside spot exchange trading. To name a few, you can find margin trading, peer-to-peer listing to buy or sell crypto, futures, vanilla options, binary options and various passive income products.

The details:
  • Fiat payment methods: To buy Bitcoin with New Zealand dollars on Binance, you can use your debit/credit card via a third-party payment provider called Simplex. The card processing fees are 3.5% with a minimum fee of US$10.
  • Withdrawal fees: Fees vary depending on the cryptocurrency you’re withdrawing. In the case of Bitcoin, the fee is 0.0005 BTC.
  • Trading fees: Binance offers a maker-taker fee model that also dynamically reduces according to trading volume. At the first tier, the fees to trade on the classic spot exchange are 0.1% for maker and taker trades. To reach the second tier, you’ll need to trade at least 50 BTC within 30 days or own at least 50 BNB, which is a native cryptocurrency issued by Binance.
  • Verification requirements: You can trade on the Binance exchange without doing KYC verification. By not verifying your account, you’ll experience some restrictions. The most noticeable limitation is that you won’t be able to buy Bitcoin using your credit or debit card. Other restrictive measures imposed on an unverified account is a limit of withdrawing 2 BTC per day.
  • Limits: With a verified Binance account, the withdrawal limit is 100 BTC per day.
  • Markets available: 1,256 different trading pairs are available. Most coins are traded against USDT, BNB, BTC, ETH. Binance even offers AUD denominated markets, but unfortunately, no NZD.
  • More details: Binance and/or read our Binance Review
Kiwi Coin Exchange

Kiwi-Coin

Kiwi-Coin is a New Zealand owned and operated Bitcoin exchange that hosts a BTC/NZD market for exchanging New Zealand dollars to Bitcoins and vice versa. The company is a registered New Zealand financial service provider. When compared to the international competition, Kiwi-Coin lacks many features. The main talking point of this platform is the BTC/NZD market, but keep in mind that low liquidity is to be expected and spreads can be very wide, for instance, at the time of writing, the spread between the bid and offer is NZ$2,766.74.

The details:
  • Fiat payment methods: Use POLi for instant transfers, local NZ bank transfer can take up to two days to be reflected on your account.
  • Withdrawal fees: NZ$10 is charged for withdrawing dollars, and the Bitcoin network charges a small fee for processing BTC withdrawals.
  • Trading fees: A maker-taker fee model is used. The maker fee is 0.4%, and taker fee is 0.8%.
  • Verification requirements: To use Kiwi-Coin, you need to verify your identity, preferably by using the RealMe service provided by the New Zealand Government. Other details required include information about your source of funds and address.
  • Limits: NZ$10,000 per day, or NZ$50,000 per month
  • Markets available: BTC/NZD
  • More details: Kiwi-Coin
Independent Reserve

Independent Reserve

Independent Reserve is a well-known cryptocurrency exchange based in Australia. The company was founded in 2013 and has grown to have more than 150,000 clients from Australia and New Zealand. Independent Reserve is a member of Blockchain Australia, a non-government organisation promoting blockchain innovation in Australia. The company has achieved many noteworthy milestones; one specific example is that the Bloomberg terminal sources BTC/AUD quotes from Independent Reserve and distributes them to users worldwide.

The details:
  • Fiat payment methods: From New Zealand, you can deposit New Zealand dollars or US dollars using a SWIFT transfer. Deposits greater than the equivalent of US$5,000 are free, whereas deposits lower than this amount will incur a fee of US$15. For Australian’s, they benefit from far cheaper bank transfers and alternative payment methods PayID and Osko.
  • Withdrawal fees: International withdrawals in either NZD or USD will incur a charge of US$20, regardless of the value of the transfer. To withdraw cryptocurrencies, there is a fixed fee specified for each coin. The fee for withdrawing Bitcoin is 0.0003 BTC.
  • Trading fees: A dynamic fee discount model is used. Trading commissions start from 0.5%, and after trading volume exceeds the equivalent of AU$100,000 within 30 days, fees are lowered.
  • Verification requirements: Besides verifying your identity, Independent Reserve requires clients to pass several steps to secure their account. The measures include setting up a secure password, configuring 2-factor authentication, validating a primary and secondary phone number,
  • Limits: Limits vary depending on circumstances.
  • Markets available: BTC, ETH, LTC, BCH and 20 other cryptocurrencies against AUD, USD and NZD.
  • More information: Independent Reserve and/or read our Independent Reserve Review

Platforms and Retailers (Not Exchanges) Popular for Bitcoin (and other Cryptocurrency buying and selling)

A bitcoin exchange is arguably something for more advanced investors and experts. We've listed two New Zealand-owned platforms below which act as retailers, a process which is more accessible.
Easy Crypto Logo

Easy Crypto

Easy Crypto is another example of a popular destination to buy and sell Bitcoin and a series of other digital assets in New Zealand. Easy Crypto has also adopted the non-custodial route and requires users who buy cryptocurrencies from them to have a private wallet to receive the settlement of their purchase. Moreover, the company has gone to great lengths to guide users on keeping their cryptocurrencies safe, with recommendations on hardware wallets, and plenty of user guides on each recommended model.
 
Payment methods: POLI instant pay, debit or credit card, or local NZ bank transfer
Fees: All fees are included in the spread, which is why the bid and offer prices might look higher than other platforms. The fees are around 0.70% to 0.90%.
Minimum order size: NZ$50
Settlement: Private wallet
Coins available: 109, including Bitcoin
Learn more: ​Easy Crypto
Easy Crypto Retailer Favourite

Buying bitcoin with two local and trusted platforms - Easy Crypto and Swyftx (important - these are not exchanges)

  • Our research highlighted several bitcoin platforms, but few are based in New Zealand and offer transparency. For this reason, we suggest considering the locally-owned (and trusted) Easy Crypto and Swyftx, an Australian-based platform.
  • Please note, both of these New Zealand-based companies are platforms (not exchanges).
  • These two platforms are popular with our users, have esteemed reputations and are trusted by tens of thousands of New Zealanders.
  • Both options are free to join, funded from any New Zealand bank account/card, and in the case of Easy Crypto, there is a local support team.
  • Advertising Disclosure: We may earn a referral bonus for anyone that clicks on some of the below links - see our Advertising Policy for more details.
Visit Easy Crypto
Visit Swyftx (Get $10 of BTC free)

Bitcoin Exchanges NZ

Bitcoin Exchanges - Frequently Asked Questions

To help explain bitcoin exchanges further, we've included answers to the most common queries below. 

​What is the difference between maker and taker fees?

It’s a common practice for exchanges to charge different fees depending on the type of order you use; it’s known as a maker-taker model. A maker fee, also known as a market maker fee, is applied when limit orders are used. Limit orders are necessary for building the order book. The larger the order book, the more attractive the exchange is due to greater liquidity levels. Exchanges charge lower fees to market makers to incentivise this type of order. A taker fee is higher since they take liquidity from the market and benefit from the convenience of having their order instantly filled.

Is it safe to hold funds on a Bitcoin exchange?

Sadly no. The best practice is never to keep more funds than are necessary in an exchange account. If you’re planning on holding your Bitcoin or other cryptos for the long haul, you should certainly arrange a self-custody solution. However, if you’re an active trader, it makes sense to maintain a balance on an exchange to support trading operations.

Is it cheaper to buy Bitcoin from exchanges in New Zealand or brokers?

​When it comes to buying Bitcoin, the most expensive part of the process is transferring your New Zealand dollars to the exchange to cover the purchase. Buying cryptocurrencies with a debit or credit card is the most expensive method. If you’re sending money to an exchange overseas, try to keep it in the same currency since banks are notorious for charging eye-watering foreign exchange fees. The best-case scenario is transferring money to a local bank account as there are no fees for international transfers or foreign exchange mark-ups.

​Why do crypto exchanges charge high fees on withdrawals?

You might have noticed that some cryptocurrency exchange platforms charge relatively high fees to withdraw different coins and tokens. It’s typical to see withdrawal fees of 0.0005 BTC for Bitcoin, 0.005 ETH for Ethereum, and 0.02 BCH for Bitcoin Cash, these charges are the equivalent of NZ$22, NZ$8.50, and NZ$12 respectively.

These costs are far greater than what it costs to process the transaction on the underlying blockchain. The reasons exchanges impose these fees is primarily to discourage traders from using their exchange account as a wallet. Crypto exchanges are required to conduct compliance and fraud checks on every transaction.

Can I invest in Crypto via KiwiSaver?

Yes, a select few schemes offer the opportunity to do so. One scheme, Koura KiwiSaver, allows members to invest in their Carbon Neutral Crypto Currency Fund. This is a fund that invests exclusively in Bitcoin. It has a long-term buy-and-hold strategy for investing. Please be aware that cryptocurrencies are highly volatile, and while KiwiSaver is a long-term investment, allocating money to crypto is not without risks. You can learn more about the fund here.

Related Guides
  • ​How to Buy Bitcoin in New Zealand
  • ​​How to Buy Ethereum in New Zealand
  • Easy Crypto Review
  • ​​Swyftx Review
  • Binance Review
  • Independent Reserve Review
  • ​Beginner's Guide to Bitcoin and Blockchain
  • ​Bitcoin in New Zealand
  • Bitcoin and Crypto Scams
  • Bitcoin Wallets
  • ​Joshua Wang YouTube Guide (buying Bitcoin in New Zealand)
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
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        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • RewardPay Review
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
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    • Alternative Mortgage Options
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      • Lifetime Home Review
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      • 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
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      • Mortgage Break Fees
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      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • Trusted Auckland Mortgage Brokers
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      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
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      • 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
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      • Leasehold Property Guide
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      • Buying an Apartment in New Zealand
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    • Selling a Home
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      • Real Estate Agent Fees
      • Bridging Finance
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    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
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      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
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      • KiwiSaver Must-Know Facts
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      • What's My PIR?
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      • KiwiSaver First Home Grant Guide
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      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
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    • Business Calculators & Resources
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    • For Startups
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  • MSD
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  • Motoring
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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  • Law
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    • Perpetual Guardian
  • Travel
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      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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      • Air New Zealand Skycouch Review
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      • Auckland Airport Car Parking
    • Best of New Zealand
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      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
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    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • 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
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 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
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • 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
      • 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
      • Budgeting Apps
      • Free Financial Literacy Classes
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • 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
      • 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
      • How to Sell on Fiverr
      • Trade Me Selling Tips
    • Kids Eat Free
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    • Meal Kits & Supermarkets
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
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      • Woop Review
      • Online Supermarkets
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      • Supermarket Christmas Clubs
        • Countdown Christmas Club Vouchers
        • New World Christmas Club Review
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    • Entertainment
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      • Netflix Review
        • Best Netflix Movies
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      • Amazon Prime Video Review
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