MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • 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
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Cove Car Insurance - Real Customer Reviews & Facts
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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The Role of the New Zealand Financial Markets Authority

Our guide outlines what the FMA does (and what activity it covers), its history, what it doesn't cover, how it differs from other government agencies, and must-know facts and frequently asked questions.
FMA NZ Logo
Updated 12 April 2023

Know This First:
  1. The New Zealand Financial Markets Authority, known as the FMA, is New Zealand's national financial market regulator and is responsible for overseeing multiple products and services.
  2. Financial markets are complex, and the risks are high. Other highly regulated industries include food and drug manufacturing, mining and refining petroleum products, producing electricity, air transportation and water transportation.
  3. When something goes wrong in one of those industries, it can have catastrophic consequences for those affected. That’s why most countries establish regulatory agencies to oversee industries, set and enforce regulations, offer guidance, investigate complaints and make sure only credible people can operate in the industry.
  4. In New Zealand, the Financial Markets Authority, commonly known as the FMA, is responsible for regulating New Zealand’s financial markets. The FMA is a crucial financial regulator and established as a Crown Entity, and everyone should be aware of their role and how they serve us, especially if you’re investing or trading financial products.
  5. In this guide, we explore the history of the Financial Markets Authority, why it was established, the responsibilities and powers the agency possesses and how it protects you.
  6. New Zealand has a mature financial market and consumer protection regulatory landscape, with numerous departments playing a role in protecting residents.
  7. The FMA issues licences to service providers who meet their requirements. The regulator can also impose penalties and revoke licences. The FMA regulates forex & CFD providers, stock exchanges, financial advisers and managed investment services.
  8. The FMA is responsible for issuing and revoking licences, policy and guidance, monitoring and supervision, investigating and enforcing laws and educating investors.
  9. The FMA was established in the fallout of the 2008 financial crisis to replace the disgraced Securities Commission (SC), which failed to protect the financial services industry and consumers. Unlike the FMA, the SC never had far-ranging powers unlike those possessed by the FMA does now.
  10. The 2008 financial crisis intersected the rapid digitisation of financial markets, exposing many investors to complex products, something regulators were not prepared to handle.

Our guide covers:
  • Introduction to financial regulations in New Zealand
  • What the FMA does (and what activity it covers)
  • Products and services NOT regulated by the FMA
  • FMA vs The Financial Services Provider Register (FPSR) vs Disputes Resolution Schemes (DRS) - What's the Difference?
  • Frequently Asked Questions

We’ve used a lot of abbreviations in this guide. Here is an easy to use legend to reference if you forget any of them as you get further into our guide:

  • AML means anti-money laundering
  • CTF means counter-terrorist financing
  • DRS means Dispute Resolution Schemes
  • FMA means Financial Markets Authority
  • FSPR means Financial Services Provider Register
  • RBNZ means Reserve Bank of New Zealand

New Zealand Financial Markets Authority (FMA) Guide

Introduction to financial regulations in New Zealand

New Zealand’s financial markets aren’t regulated by one organisation. The Financial Markets Authority plays an important role and covers a broad range of the finance sector, but there are several other organisations involved in regulating different areas of the industry.
 
The Reserve Bank of New Zealand (RBNZ) is the country’s central bank and is responsible for monetary policy, payment systems and support the smooth functioning of the financial system. The RBNZ regulates banks, insurers, building societies, credit unions and other financial institutions that hold customer deposits, known as non-bank deposit takers (NBDTs).
 
The Financial Services Provider Register (FSPR) is a public register of financial services providers in New Zealand. The FSPR is managed by the Companies Office, not the FMA and does not grant permission to operate a regulated business. Financial services providers, regardless of regulatory status, must be FSPR registered.
 
There are four Dispute Resolution Schemes (DRSs) operating in New Zealand. A DRS helps consumers resolve their disputes with uncooperative financial service providers.

The creation of the FMA

The New Zealand Financial Markets Authority was established in 2011 in the wake of the 2008 global financial crisis to replace the Securities Commission with the Financial Markets Authority Act 2011. The defunct New Zealand Securities Commission was disestablished following widespread criticism over its consequential failure to prevent and mitigate the collapse of dozens of financial services companies in New Zealand between 2006 and 2010.
 
A parliamentary inquiry to the collapse of almost 70 finance companies revealed that inadequate supervision, deficiencies in disclosure, inadequate consumer understanding of complex products and poor governance were the primary causes of the failures. All of which are flaws that an effective market regulator should have prevented.
 
The inquiry into the catastrophe estimated investor losses of over $3 billion that affected between 150,000 and 200,000 depositors.

The digitisation of financial markets and regulatory affairs

While the world was cooling off from the dot com bubble, which took place at the beginning around 2000-2001, a dramatic shift took place. More and more services have become digital, including financial services. Almost every aspect of life has since migrated to the internet and away from traditional bricks and mortar establishments. In the financial services industry, this poignant and revolutionary development meant two initial changes had to take place; the internationalisation and digitisation of markets.
 
In essence, you no longer had to check the newspaper or business news channel to view the latest quotes for financial products. In addition, it was the beginning of a borderless financial ecosystem accessible from almost anywhere on earth. Suddenly, brand new companies began to spring into life across the world, offering new products and instruments. Companies began looking to onboard customers from every corner of the world by leveraging the newly available digital and social media marketing advertising channels.
 
At that time, regulatory authorities everywhere were still trapped in the past, keeping paper records and only overseeing traditional financial products in their own jurisdictions, ignoring what was happening overseas. They were not prepared for the onslaught of online trading and investment platforms that were about to enter the zeitgeist. Residents were no longer locked to brokers and advisors in their country; they could log on to the world wide web and invest their money anywhere. This led to many new investment platforms and services being established in offshore jurisdictions without any standards or oversight.
 
The earliest versions of digital investment products were not developed by financial market experts. They were conceived by IT entrepreneurs and digital marketing experts. As you would expect, this was a recipe for disaster. No regulator at that time, even in very established countries with fully developed and world-dominating financial markets infrastructures, could manage the oversight or administration of such a global reach with no physical premises. Regulators realised they were powerless to bring any form of resolution should a company decide to rip its customers off and run away.
 
Online based financial services were essentially the wild west, and it stayed that way until huge regulatory reform took place in the aftermath of the 2008 financial crisis. The New Zealand FMA was established in 2011 after a series of failures that were by no means unique to New Zealand.

Monitoring and supervision

In line with other top-tier financial market regulators, such as those in the United States, Canada, the UK, mainland Europe, Australia and Singapore, New Zealand's FMA requires licences and FSPs to submit regular reports and perform audits. The FMA evaluates a selection of internal procedures and policy documents to ensure the company's internal governance is up to standard.
 
The FMA also monitors the market in lockstep with a consumer advisory network. Should it find an FSP or unknown company that appears to be soliciting customers with overly promising advertising statements or use the imagery of a different, well-established company (a process known as cloning) to give it more credibility, it will issue public warnings.
 
These warnings are published on the FMA's website and are indexed by search engines and shared via its social media channels. When a potential customer searches for such companies, the warning is displayed; therefore, potential customers can make better-informed decisions as to whether to invest with that firm or not.
 
The FMA also issues warnings against companies soliciting for business in New Zealand that does not have a licence and, therefore, is not permitted to offer financial services under New Zealand laws. This is to ensure that enough has been done to advise potential customers that their capital could be at risk if they invest with an unregulated company and that there would be no recourse if the firm decided to cheat them.

Educating investors and providers

  • One of the more passive but extremely effective methods financial services regulators use to protect the industry is to educate investors and FSPs. According to the New Zealand FMA, delivering market-relevant and practical education and training is one of its key objectives.
  • The FMA seeks to ensure investors are competent enough to understand the products offered, the risks involved, and are savvy enough to identify potential scams by promoting financial literacy.
  • Similarly, the FMA has a comprehensive policy of providing constant education to financial services providers to ensure they’re equipped to follow the rules, regulations and know how to act in their clients' best interests. The regulator also partners with public organisations, such as NetSafe and private organisations, such as licensed financial services providers, to educate the public.
  • Like most regulators, the FMA uses education to influence the industry and encourage positive behaviour in the industry. Notably, the FMA wants consumers to use licensed domestic financial services providers, shop around for investment products and know-how to choose and use different products, be aware of various risks and know the warning signs of scams.
  • Promoting good behaviour and vigilance decreases the potential for harmful incidents to occur.
FMA NZ Guide

Investigation and enforcement

Besides creating regulations and issuing licences, the FMA needs to enforce the rules and investigate and punish wrongdoing. Without enforcement, there isn’t a deterrent for misconduct. The FMA collects and analyses data by monitoring and supervising FSPs. In the event of an anomaly, whistleblower tip-off or consumer complaint, the regulator might launch an investigation.
 
The FMA has a good track record of enforcement. Shortly after the FMA was established in 2011, there was a lot of work to do to restore trust in New Zealand’s financial sector. The authority needed to demonstrate that it was robust and well organised enough to bring proceedings against companies that do not act in the best interests of their customers.
 
At the time, the FMA decided to move in on what was a very high profile scandal and make its mark by filing civil proceedings against the directors and promoters of several failed finance companies including Hanover Finance Limited.
 
At the time of its failure in 2010, Hanover Finance was the largest finance company in New Zealand. Its core business activity of high-risk property investment had caused it to freeze repayments of $554 million owed to 36,500 investors. In 2009 Hanover was approached by Allied Farmers to buy the assets of Hanover Finance and United Finance, effectively held in limbo by the repayment plan. However, Allied Farmers placed the firm into administration a year later.
 
The FMA's lawsuit focused on the methods used by Hanover Finance to solicit new customers for investments, and so began the status of the FMA as a bona fide regulator in a developed market for financial services.
 
Later on, in 2013, the FMA was still busily engaged in demonstrating its prowess as a regulator to the public and showing that it can bring about justice where people have been defrauded by confidence tricksters.
 
In November 2013, David Ross, CEO of Ross Asset Management, pleaded guilty to three charges in court and was sentenced to 10 years in jail for operating the largest and highest value Ponzi scheme in the history of New Zealand in which members of the investing public lost $115 million. Ten years is a significant sentence in New Zealand and added to the FMA’s credibility as a stringent regulator.

New Zealand Financial Markets Authority (FMA) Guide

What the FMA does (and what activity it covers)

The New Zealand FMA is responsible for overseeing a diverse range of financial products provided in New Zealand. The FMA is also responsible for maintaining public trust and confidence in New Zealand’s financial system. It is one of New Zealand’s primary financial regulators operating alongside the Reserve Bank of New Zealand and the Commerce Commission.
 
The FMA regulates several products and services and issues licences to financial services providers, depending on their activities. Besides licensing firms, the FMA is responsible for administering policy and publishing guidance, monitoring and supervising market participants, investigating and enforcing laws related to financial services and securities markets and educating investors.

The FMA regulates various FSPS, such as financial advisors, trading venues (i.e. stock exchanges such as NZX), crowdfunding platforms and derivatives issuers (forex & CFD brokers). The FMA’s remit is expanding – its website has the most up to date overview of what it is, explained it the 'updates' section. Currently, it includes:
 
1. Derivatives issuers
Derivatives issuers are brokers offering forex and CFD products. The licensing requirements are pretty strict because forex and CFDs are complex products associated with high risks and typically used by self-directed traders. Only a handful of derivatives issuers are licensed in New Zealand, such as BlackBull Markets, IG Markets and CMC Markets. There are currently 22 active derivatives issuer licence in New Zealand.
 
More information:
Our detailed guides can help you learn more about trading forex with leverage and contracts for difference in New Zealand.
 
2. Crowdfunding
The FMA defines crowdfunding services as platforms that raise funds from investors in exchange for equity in a company, i.e. shares. This scheme is known as equity-based crowdfunding. Equity crowdfunding platforms in New Zealand are not required to be licensed, but they can voluntarily apply for a licence that offers credibility and other benefits.
 
There are currently six licensed peer-to-peer lending service providers in New Zealand, including PledgeMe, Snowball Effect and Equitise. Learn more about equity crowdfunding and investing in our definitive guide.
 
3. Peer-to-peer lending
The FMA defines peer-to-peer lending services as platforms that enable one person to issue debt security to another. Essentially, one person can loan money to another person and earn interest from the loan repayments. Although the FMA does not require peer-to-peer lending services to be licenced, there is an option to be licensed. Platforms that are not licensed need to take additional product disclosure steps.
 
Currently, there are 11 licensed peer-to-peer lending service providers in New Zealand, including Squirrel, Harmoney and Lending Crowd. Learn more about peer-to-peer lending in our dedicated guide to the topic.
 
4. Financial advisers
A financial adviser is a professional who is qualified to provide advice and recommendations on managing your finances, selecting insurance products, mortgages & loans, investments and other financial services. Anyone giving financial advice must be licensed by the FMA or be covered by the licence of a financial advice provider (FAP).
 
It’s important to work with licensed financial advisers because they are required to follow a  Code of professional conduct, which sets the following standards:
  • Always treat clients fairly
  • Always act with integrity
  • Only give financial advice that is suitable
  • Ensure that the client understands the financial advice they are given
  • Protect their clients’ personal information
  • Be able to clearly explain how they’re compensated for their service
 
Read our guide to learn more about financial advisers in New Zealand or check our list of top financial advisers in Auckland.
 
5. Discretionary investment management service (DIMS)
A discretionary investment management service is someone appointed to make trading and investment decisions on behalf of someone else. A DIMS is sometimes referred to as a money manager. With a DIMS licence, the provider can go a step more than just giving advice, as they can make investment decisions without first consulting the investor.
 
6. Managed investment scheme (MIS)
A managed investment scheme is a managed fund that pools multiple investors' money and manages it collectively. A managed investment scheme is also known as a collective investment scheme.
 
There are dozens of managed investment funds operating in New Zealand, and you can learn more about them in our managed funds guide.
 
7. Market operator
A market operator is an exchange, for example, the New Zealand Exchange (NZX). Market operators are any marketplace that facilitates buying and selling of financial instruments, such as shares of public companies and dairy derivatives. There are six licensed market operators in New Zealand, which include the Australian Securities Exchange, Singapore Exchange, ICE Futures US and ICE Futures Europe.

New Zealand Financial Markets Authority (FMA) Guide

Products and services NOT regulated by the FMA

Some regions of the financial markets industry are not regulated by the FMA either because the regulations don’t require them to, or they are covered by other agencies. These include:
 
1. Brokers
Brokers offering direct market access to products listed on regulated exchanges, such as stocks and exchange-traded funds, do not need to be licensed, but they may need to register with the FMA as a designated business group (DBG) and follow AML and CFT regulations. For example, Sharesies and Hatch are not licensed or authorised by the FMA, but they are DBGs.
 
2. Crypto assets
Cryptoassets, which can be cryptocurrencies, digital assets or initial coin offerings (ICOs), are not directly regulated in New Zealand. However, the structure of a crypto asset product or service might fall under the framework of another licensed activity, such as issuing derivatives, operating a market or managing investments. In 2017 the FMA stepped in to stop an ICO promoted by an Auckland teenager who was deemed to "inflated some of the claims of his website's success by a factor of 10,000" in a bid to raise money from unsuspecting investors. 
 
3. Banks, building societies, credit unions and insurance providers
The RBNZ regulates banks, insurance providers and non-bank deposit takers in New Zealand. The FMA is not directly involved in the supervision of banks, although they play a crucial role in the financial markets.
 
4. Credit and debt
Consumer credit and debt products are regulated by the Commerce Commission, which is responsible for supervising the conduct of creditors and investigating wrongdoing. Consumer finance products include credit cards, store cards, hire purchases, buying goods or services on credit, or getting cash loans.
 
5. Buying and selling a property
While real estate is a vital asset for building generational wealth, real estate transactions are not regulated by the FMA. Instead, they are regulated by the Real Estate Authority.

New Zealand Financial Markets Authority (FMA) Guide

FMA vs The Financial Services Provider Register (FPSR) vs Disputes Resolution Schemes (DRS) - What's the Difference?

FPSR:
  • The Financial Services Provider Register (FSPR) was established in 2008. The purpose of the register is to provide a public and easily searchable database of financial services providers.
  • The FSPR is managed by the Companies Office, not the FMA, and does not grant permission to operate a regulated business. Financial services companies licensed by the FMA must be registered on the FSPR, bar a few rare exceptions.
  • However, companies listed on the FSPR are not necessarily licensed or authorised.
  • Some activities, particularly services that are only provided to wholesale clients, such as other businesses, don’t need to be licensed but still need to be registered as an FSP.
  • The FSPR only mandates that a company be incorporated in New Zealand, follow local business laws, file annual reports to the registrar, and ensure the shareholders and directors maintain clean criminal records, are considered fit and proper, remain solvent and disclose any political associations.
  • The FSPR was established with the dispute resolution scheme (DRS). Some FSP and FMA-licensed companies need to be a member of a DRS. A prerequisite to joining a DRS is registering with the FSPR.

DRS (New Zealand dispute resolution schemes):
  • A dispute resolution scheme is responsible for resolving disputes between consumers and financial services providers.
  • If you encounter an issue, your first port of call should be to make an official complaint to your financial services provider. If they do not resolve your dispute, the next step is to submit a complaint to their DRS.
  • Not everyone can complain via a DRS. Only individual customers of an FSP or small organisations with 19 or fewer full-time equivalent employees can complain to a DRS.
  • There are four approved DRSs in New Zealand - Banking Ombudsman (BOS), Insurance and Financial Services Ombudsman (IFSO), Financial Services Complaints Ltd (FSCL) and the Financial Dispute Resolution Service (FDR).
  • Each DRS is specialised in specific financial services. If your FSP is not a member of a DRS, then you can submit your complaint to the FMA.

New Zealand Financial Markets Authority (FMA) Guide

Frequently Asked Questions

If an FSP is unregulated or exempt, does it mean they behave however they want?

No. Even if an FSP is not regulated by the FMA or offers an exempt service, there are still rules. For example, they might still be required to follow the fair dealing rules, provide product disclosures, submit reports and follow AML rules.

What is the financial services provider register?

The financial services provider register, or FSPR, is a public directory of companies providing financial services in New Zealand. A company listed on the FSPR does not mean they are regulated or authorised to provide financial services.

Are cryptocurrencies regulated in New Zealand?

The FMA has published a lot of guidance on crypto assets, including cryptocurrencies. While there are some regulations related to AML/CFT obligations, fair dealing and product disclosures, there isn’t a licensing process tailored for crypto-related products and services. However, some crypto-assets may be categorised as other activities that require authorisation, such as operating a financial market or issuing derivatives.

How to complain about a financial services provider?

If you need to complain about a New Zealand FSP, you should first take your complaint to the company and follow their official complaints procedure. If your complaint is not resolved satisfactorily, your next step is to complain to their dispute resolution scheme. Almost every financial services provider needs to be a member of a dispute resolution scheme which is usually a condition of their FMA licence.

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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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      • 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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        • 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
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        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • RewardPay Review
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    • Guides
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  • Travel Money Cards
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    • Travel Money By Country
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  • Banking & Savings
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      • Depositor Compensation Scheme (DCS) Explained
    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • Lifetime Home Review
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      • 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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      • Negative Equity
      • How to Manage Higher Mortgage Payments
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
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      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
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      • Leasehold Property Guide
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    • Selling a Home
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      • Bridging Finance
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      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
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    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
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      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
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      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
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      • KiwiSaver Must-Know Facts
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    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First Home Grant Guide
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      • Pie KiwiSaver Scheme Review
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      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
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      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business
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    • Business Insurance
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    • PAYE & Taxes
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    • Business Calculators & Resources
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      • PayPal NZ Account Fees
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    • For Startups
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  • MSD
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    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
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    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
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  • Motoring
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      • Turners Cars Review
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      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
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      • Gaspy App Review
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      • AA Membership Review
      • Best Car Batteries
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
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      • 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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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
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      • Asia
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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
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Apple Watch Buying Guide
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    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
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      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • 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
      • Fleeced Kiwi Awards 2025
      • 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
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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
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
      • SortMe Review
    • Repaying Debt
      • Debt Help
      • Debt Repayment Apps
      • 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
      • Unclaimed Money in New Zealand
      • Free Money from the Government
      • Hosting International Students
      • How to Sell on Fiverr
      • Trade Me Selling Tips
    • Kids Eat Free
    • Prezzy Cards
    • Meal Kits & Supermarkets
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
      • Woop Review
      • Online Supermarkets
      • Save Money on Food
      • Supermarket Christmas Clubs
        • Countdown Christmas Club Vouchers
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
    • Entertainment
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      • Netflix Review
        • Best Netflix Movies
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      • Amazon Prime Video Review
        • Best Amazon Prime Movies
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      • Disney+ Review
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    • Consumer Rights
      • How to Get a Refund, Repair or Replacement
      • 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
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