MoneyHub NZ
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      • Comparisons
        • Best Investment Apps
        • Kernel vs Sharesies
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • How to Invest in the NASDAQ from New Zealand
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
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        • 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
        • 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
        • 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
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        • 10 Popular Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
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      • Investing Calculators
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    • Managed Funds, Tax & DIY Investing
      • Guides
        • Our Favourite Managed Funds
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          • Pathfinder Managed Funds Review
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        • Bank Credit Ratings
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        • Bright-Line Test
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        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
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        • Trading in a Nutshell
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        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
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        • How to Take Income from Investments
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Squirrel Review
        • Sharesight Review
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
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    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
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        • Plus500 Review
        • IG Review
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        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
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        • Forex Trading Guide
          • Forex Trading Platforms Comparison
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        • Futures Trading
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      • Cryptocurrency
        • Reviews
          • Swyftx Review
          • Binance Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Vault International Bitcoin Fund Review
          • NZDD Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
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          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Best Personal Loans
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      • Tools & Calculators
        • Personal Loan Calculator
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      • Lender Reviews
        • Harmoney Loans Review
        • Nectar Review
        • Avanti Finance Review
        • Money Sweetspot Review
        • Save My Bacon Review
      • Credit Health
        • How to Build Credit in New Zealand
        • Credit Scores and Credit Checks
        • Interest Rates Guide
        • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
    • Best Car Finance
      • Loan Types
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      • Tools & Calculators
        • Car Finance Calculator
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      • Resources
        • Car Finance Documents Checklist
        • Car Dealership Finance vs Alternatives
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        • Car Loans and Collateral
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        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Simplify Car Loans - Real Customer Reviews & Facts
        • Better Car Loans - Real Customer Reviews & Facts
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • Simplify vs MTF vs UDC vs Heartland
        • AA Money Review
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        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Add-On Insurance
        • Compare Mechanical Breakdown Insurance
        • GAP (Guaranteed Asset Protection Insurance) Insurance
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  • Car, Home & Pet Insurance
    • Overview
    • Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
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      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
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        • Car Insurers Directory
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    • Home & Contents Insurance
      • House Insurance
      • House Insurance Calculator
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      • MAS House Insurance - Real Customer Reviews & Facts
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      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
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      • Dental Insurance and Dentist Plans
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      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
        • Sum Insured Explained
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
      • ACC CoverPlus Extra (CPX) Explained
      • Co-Shareholder Insurance Cover
    • Find a Broker
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
  • Life & Health Insurance
    • Compare Life Insurance
      • Life Insurance Calculator
      • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
      • Life Insurance Explained (Videos)
      • Stepped vs Level Life Insurance
      • Life Insurance Claims Statistics
      • 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
      • AIA Vitality Review
    • Health Insurance
      • Health Insurance Explained (Videos)
      • Health Insurance Benefits and Limits Compared by Insurer
      • How Many New Zealanders Have Health Insurance?
      • Southern Cross Health Insurance Alternatives
      • ACC Claims Statistics
      • Pharmac Explained & Annual Review
      • Going to Australia for Medical Treatment
      • Dental Costs
      • BMI Calculator New Zealand
    • Income Protection Insurance
      • Income Protection Insurance for Self-Employed
      • ACC vs Income Protection Insurance
      • Income Protection Insurance Claims Statistics
      • Income Protection Insurance Explained (Videos)
    • Trauma Insurance
    • Mortgage Insurance
    • Redundancy Insurance
    • Funeral Insurance
  • Travel Insurance
    • Top Destinations
      • Australia Travel Insurance
      • USA Travel Insurance
      • Bali Travel Insurance
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      • Japan Travel Insurance
      • UK Travel Insurance
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      • Canada Travel Insurance
      • Other Destinations
        • Asia
          • China Travel Insurance
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        • Europe
          • France Travel Insurance
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        • Americas & Africa
          • Peru Travel Insurance
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    • Pre-Existing Medical Conditions Travel
    • Over 70s Cover
    • Annual Multi-Trip Travel Insurance
    • Cruise Travel Insurance
    • Southern Cross Travel Insurance Review
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Travel Insurance for Unexpected Events
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross vs CoverMore vs Allianz
      • Southern Cross Travel Insurance - Real Customer Reviews and Facts
      • 1Cover vs Southern Cross vs AA Travel Insurance
      • Allianz Travel Insurance - Real Customer Reviews and Facts
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • AMEX Airpoints Platinum Travel Insurance Review
      • 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
      • Our Travel Insurance Resources
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • Kiwibank Airpoints Cards Have Ended – Best Replacement Options
      • BNZ Advantage Credit Cards Are Changing (Not Good News) – Best Replacement Options
    • The Best American Express Credit Cards
    • Credit Cards That Earn Business Class Flights
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Balance Transfer Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Best Foreign Currency Debit & Credit Cards
    • Free Credit Cards
    • Low Interest Credit Cards
    • Credit Cards for Bad Credit
    • Guides & Tools
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Credit Card Minimum Payments Explained
      • Mastercard vs Visa
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Airline Credit Cards
      • Q Card & Q Mastercard Review
      • GEM Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • China Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • South Korea Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Sending Money to Australia
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2026 & 2027
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Debt to Income Calculator
      • 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
    • Mortgage Management
      • Self-Employed Mortgage Applications
      • Interest Rate Strategies
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Top 10 Areas for First Home Buyers 2025
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees & Calculator
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Auckland Mortgage Brokers
      • Whangerei Mortgage Brokers
      • Hamilton Mortgage Brokers
      • Tauranga Mortgage Brokers
      • Napier and Hastings Mortgage Brokers
      • Palmerston North Mortgage Brokers
      • Rotorua Mortgage Brokers
      • Gisborne Mortgage Brokers
      • Taupo Mortgage Brokers
      • Whanganui Mortgage Brokers
      • New Plymouth Mortgage Brokers
      • Wellington Mortgage Brokers
      • Wairarapa Mortgage Brokers
      • Kapiti Mortgage Brokers
      • Nelson Mortgage Brokers
      • Blenheim Mortgage Brokers
      • Christchurch Mortgage Brokers
      • West Coast Mortgage Brokers
      • Dunedin Mortgage Brokers
      • Queenstown Mortgage Brokers
      • Wanaka Mortgage Brokers
      • Invercargill Mortgage Brokers
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyer Guide
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • KiwiSaver Switching Explained
      • KiwiSaver Statistics Explained
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $260.72 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
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
      • Feijoa Review
    • KiwiSaver Schemes
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
        • Pathfinder vs ANZ KiwiSaver Growth Funds Comparison
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Retirement
    • Planning Your Retirement
      • Over-65 Entitlements - The Definitive List for New Zealanders
      • Retirement in a Nutshell
      • Retirement Budget Calculator (Budget Builder)
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Can You Actually Retire on Just NZ Super?
      • Retirement Calculator
      • Net Worth Calculator
      • Can the Average New Zealander Become a Millionaire?
      • Million Dollar Calculator
      • Average and Median New Zealand Net Worth by Age 2024
      • Average KiwiSaver Balance by Age
      • When Can I Retire?
    • NZ Super & Pension Transfers
      • Super Rates 2026 and 2027
      • NZ Superannuation in a Nutshell
      • The Future of NZ Super
      • UK Pension Transfer to New Zealand
      • UK Pension Transfers - “Scheme Pays” Tax Rules
      • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
    • Retirement Income
      • How to Turn $100,000 Into a Retirement Income in New Zealand
      • How to Turn $500,000 Into a Retirement Income in New Zealand
      • How to Turn $2 Million Into a Retirement Income in New Zealand
      • How to Invest So You Never Run Out of Money in Retirement
      • How to Maximise Income in Retirement
      • Retirement Money Drawdown
      • Popular Retirement Income Products in New Zealand
      • Lifetime Retirement Income
      • Spending Your Savings in Retirement
    • Windfalls & Lump Sums
      • The Best Way to Invest Inheritance or a Windfall
      • How to Invest $1 Million in New Zealand
      • Investment Mistakes to Avoid When Accessing Your KiwiSaver Funds at 65
    • Getting Financial Advice
      • Financial Advisers Overview
      • Financial Advisers Directory
      • What the FMA Wants Financial Advice to Be
      • Craigs vs Forsyth Barr vs JBWere
      • Craigs Investment Partners Review
      • Lighthouse Financial Services Review
      • MAS Financial Advice Service Review
      • Free Initial Financial Advice
      • Private Banking
      • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
    • Financial Advisers by City
      • 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 Whanganui
      • Financial Advisers Kapiti
      • Financial Advisers Wairarapa
      • Financial Advisers Nelson & Tasman
      • Financial Advisers Christchurch
      • Financial Advisers Dunedin
    • Wealth Advisers by City
      • Wealth Advisers Auckland
      • Wealth Advisers Hamilton
      • Wealth Advisers Tauranga
      • Wealth Advisers Napier & Hastings
      • Wealth Advisers Palmerston North
      • Wealth Advisers Lower Hutt & Upper Hutt
      • Wealth Advisers Wellington
      • Wealth Advisers Nelson
      • Wealth Advisers Christchurch
      • Wealth Advisers Dunedin
    • Estate Planning & Later Life
      • Wills Guide
        • Enduring Power of Attorney Guide
        • Trusts Guide
        • Living Wills Guide
        • Probate
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
    • Senior Living
      • Retirement Villages
      • Rest Homes and Residential Care Facilities - Costs and Financing
      • Reverse Mortgages
      • Lifetime Home Review
      • Medical Alarms
      • Tips for Seniors Renting or Paying Down a Mortgage
      • SuperGold Card Review
    • Retire Early (FIRE)
      • FIRE Explained
      • How to Retire Early
      • Financial Freedom by 50
      • The Four Percent Rule
      • Five Types of FIRE Plans
      • Achieving Financial Independence, Faster
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
  • Law & Accounting
    • Legal Resources
      • Separation Agreements
      • Prenuptial Agreements
      • Divorce Guide
      • Agreeable Review
      • Footprint Online Wills Review
      • Perpetual Guardian
    • Choosing an Accountant
      • Accountants in Auckland
      • Accountants in Wellington, Hutt and Kapiti
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
  • Business
    • Business Bank Accounts
    • Business Credit Cards
      • American Express Gold Business Card Review
    • Compare Business Loans
      • Compare & Choose
        • Small Business Loans
        • Business Line of Credit
        • Business Borrowing Options
        • Invoice Finance
      • Calculators
        • Business Loan Calculator
        • Small Business Loan Calculator
        • Business Line of Credit Calculator
        • Business Loan vs Line of Credit Calculator
      • Vehicle & Leasing
        • Commercial Vehicle Finance Options
        • Operating Leases
        • Finance Leases
        • Operating Leases vs Financing Leases
      • Lender Reviews
        • Prospa Business Loans Review
        • Bizcap Business Loans Review
        • Taxi (Business Funding) Review
      • Guides & Data
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  • Banking & Savings
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  • KiwiSaver
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  • EVs
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  • Travel
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    • Best of New Zealand
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    • Moving Overseas
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      • Moving to Australia
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  • Mobile & SIM
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    • Apple Watch Buying Guide
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  • Power
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  • Essential Money Tips
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Best No Contract Broadband Plans

Get the best short-term, open plan broadband deal and avoid costly termination fees – our guide explains everything you need to know
Best No Contract Broadband Plans NZ
Updated 02 September 2026

Summary
  • No contract broadband, also known as ‘open-plan broadband’, is popular with students, short-term renters and anyone in between permanent living arrangements. Whatever your need for an open plan, there are a few must-know considerations when comparing providers. 

Our guide covers:
  • No Contract Broadband – Pros and Cons
  • Best No Contract Broadband Plans
  • Frequently Asked Questions

Best No Contract Broadband Plans NZ

No Contract Broadband – Pros and Cons

Pros:
  • No long-term commitment – you’re not tied into any contract and have the freedom to discontinue any time. Usually, you’ll have to give 30 days notice, and after that, there’s nothing else you need to do. 
  • No cancellation fee – there are no expensive early exit fees that would otherwise apply on a 12-month plan etc. These are usually $100+, and some providers charge up to $200. 
  • Flexibility – you can move to cheaper deals as they’re advertised and/or upgrade or downgrade as your data needs change.

Cons:
  • High set-up fees – while contract broadband plans usually offer free modems and connection, no contract broadband plans typically require customers to buy a compatible modem and pay a connection or new-user fee. 
  • Higher monthly cost – open plans are more expensive than contracts because providers make more money long-term from contracted customers. This means unlimited no-contract broadband plans may be $20 or $30+ more per month.
  • No promotions – some broadband providers offer contract customers free tablets, free credit and other discounts; customers opting for a no-contract deal are rarely offered any promotional deals.

Best No Contract Broadband Plans

Best No Contract Broadband Plans

The Best Open (No Contract) Providers and Plans Based on Specific Needs

All the open/no contract plans below have unlimited data. In selecting the best plans, we have categorised the connection types as follows :
  • ADSL - This category includes ADSL and VDSL, as providers usually charge the same price even if VDSL is much faster than ADSL
  • 4G - This includes 4G connections only
  • 5G - This includes 5G connections, the speed is usually not disclosed by the provider as it's a rather new technology
  • Fibre - These are fibre connections in the range of 30 to 50 Mbps
  • Fibre UFB - These are fibre connections known as 'ultra fast' and have speeds of about 300 Mbps
  • Max - These are fibre connections of about 900 Mbps
  • Hyper - These are fibre connections of 2000+ Mbps

Costs and Freebies: Our table below includes the advertised Monthly Cost. Some plans may charge a connection fee, modem fee and shipping costs. There may also be discounts (such as a sign-up bonus or credit, free months, Netflix subscriptions etc.). We have taken these into account when presenting our results below, as evidenced in our research around weighted costs.

Terms: The below plans are open plans, meaning there is no contract and you can cancel anytime.
Our pricing assumptions:
  1. We have assumed in all cases that a modem is being purchased, but some providers let you bring your modem. If you have a modem you can use, you can avoid the modem cost and shipping fee.
  2. When a provider offers a bundle with mobile, we have assumed that you would switch mobile providers to use the bundled discount.
  3. We have taken benefits in kind at the value advertised by the providers. Still, you might not consider these valuable if you have no use for a Prezzy card, an antivirus or a particular streaming service like Netflix or Prime Video.
  4. Please note we have not included discounts for bundling broadband with energy. We consider this a big commitment and think you should evaluate energy providers on their merit. We have, however, included the discounts from bundling broadband with mobile as these can deliver good monthly savings, and mobile services are largely interchangeable.
  5. We have only included discounts advertised on the provider's website. Still, you might find additional discounts through broadband comparison sites or when you contact the broadband sales team to inquire about their plans.
  6. For plans that only offer open-term contracts, we have included the "weighted monthly cost" in the fixed-term contract section, so you can consider these plans when evaluating fixed-term plans, as there is no downside to having a flexible contract.
  7. When plans had names we considered were not descriptive enough, we added our category in brackets at the end of the plan's name, for example, [UFB].
 

Best Open Term plans for 4G broadband:

CategoryRanking (Open Term)Company & Plan (Open Term)PriceComments (Open Term)Link
4G1Spark - Everyday Wireless Plus (4G Unlimited)$73Includes Netflix and McAfee antivirus subscriptions.Spark
4G2Skinny - Wireless Unlimited [4G]$55$10 off when bundling with certain mobile plans. Skinny
4G3Spark - Everyday Wireless (4G Unlimited)$65 Spark
4G4Contact - Wireless Unlimited$75Broadband only available as bundle with power. $5 off when bundled with electricity, $10 off when bundled with electricity and gas.Contact
 

Best Open Term plans for 5G broadband:

CategoryRanking (Open Term)Company & Plan (Open Term)PriceComments (Open Term)Link
5G1Spark - Max Wireless Plus (5G)$76Includes Netflix and McAfee antivirus subscriptions.Spark
5G2Spark - Max Wireless (5G)$68 Spark
5G3Wireless nation - 5G Home Internet Unlimited$75Available in 5G coverage areas only.Wireless nation
   

Best Open Term plans for Fibre broadband:

CategoryRanking (Open Term)Company & Plan (Open Term)PriceComments (Open Term)Link
FIBRE1Zeronet - Fibre Starter [Fibre]$64$5 off when bundling with certain mobile plans. Special promotion: first four weeks free. Paid weekly. Zeronet
FIBRE2Electric kiwi - Sweet Lite$69 Electric kiwi
FIBRE3One NZ - Fibre Starter [Fibre]$70 One NZ
FIBRE42degrees - Fibre Starter [Fibre]$70$5 off per month when bundled with a 2degrees Pay Monthly mobile plan. $10 off per month when bundled with 2degrees Power. 2degrees
FIBRE5Spark - Lite Fibre [Fibre]$70 Spark
  

Best Open Term plans for Fibre UFB broadband:

CategoryRanking (Open Term)Company & Plan (Open Term)PriceComments (Open Term)Link
FIBRE UFB1Spark - Essential Fibre Plus [UFB]$120.99Includes Netflix and McAfee antivirus subscriptions.Spark
FIBRE UFB2Bigpipe - Starter (UFB)$89 Bigpipe
FIBRE UFB3Skinny - Fibre Unlimited [UFB]$93$10 off when bundling with certain mobile plans. BYO modem saves $5 per month for 12 months. Skinny
FIBRE UFB4Contact - Fast Fibre [UFB]$90Broadband only available as bundle with power. $5 off when bundled with electricity, $10 off when bundled with electricity and gas.Contact
FIBRE UFB5Wireless nation - Family Fibre Boost$99.99Includes Plume parental controls and security app ($90 per month without it). Wireless nation
    

Best Open Term plans for Fibre Max broadband:

CategoryRanking (Open Term)Company & Plan (Open Term)PriceComments (Open Term)Link
MAX1Spark - Max Fibre Plus [MAX]$136Includes Netflix and McAfee antivirus subscriptions.Spark
MAX2Electric kiwi - Sweet as Fibre$104 Electric kiwi
MAX3Skinny - Fibre Ultra Unlimited [MAX]$108$10 off when bundling with certain mobile plans. BYO modem saves $5 per month for 12 months. Skinny
MAX4Contact - Max Fibre$110Broadband only available as bundle with power. $5 off when bundled with electricity, $10 off when bundled with electricity and gas.Contact
MAX5Zeronet - Fibre Max$120$5 off when bundling with certain mobile plans. Special promotion: first four weeks free. Paid weeklyZeronet
   

Best Open Term plans for Hyperfibre broadband:

CategoryRanking (Open Term)Company & Plan (Open Term)PriceComments (Open Term)Link
HYPER212degrees - Hyperfibre 2$129$5 off per month when bundled with a 2degrees Pay Monthly mobile plan. $10 off per month when bundled with 2degrees Power. 2degrees
HYPER22Zeronet Hyperfibre - Hyperfibre 2000$136$5 off when bundling with certain mobile plans. Paid weeklyZeronet Hyperfibre
HYPER412degrees - Hyperfibre 4$149$5 off per month when bundled with a 2degrees Pay Monthly mobile plan. $10 off per month when bundled with 2degrees Power. 2degrees
HYPER42Zeronet Hyperfibre - Hyperfibre 4000$160$5 off when bundling with certain mobile plans. Paid weeklyZeronet Hyperfibre
   

Best Open Term plans for ADSL/VDSL broadband:

CategoryRanking (Open Term)Company & Plan (Open Term)PriceComments (Open Term)Link
ADSL1Bigpipe - Lite (ADSL)$89 Bigpipe
ADSL2Bigpipe - Classic (VDSL)$99 Bigpipe
ADSL3Skinny - ADSL/VDSL Unlimited$105$10 off when bundling with certain mobile plans. BYO modem saves $5 per month for 12 months. Skinny
ADSL4Voyager - Unlimited ADSL/VDSL Broadband Plan$110 Voyager

Our Top Broadband Providers for Open term plans

Why 2degrees and Zeronet Stand Out for 4G, 5G, Fibre, UFB and Hyperfibre
​We've reviewed every broadband plan available, and here's what we found: many providers are competing on price while cutting service. Two providers are doing something different.

Option 1 - 2degrees
Why we like 2degrees: They're delivering what matters - good speeds, human support when you need it, and pricing that makes sense. If you're already with 2degrees for mobile, the bundle savings are real. They're not the cheapest, but they're the best value for families who just want their internet to work.

Here's what sets 2degrees apart:
  • They actually answer the phone on weekends. Most providers don't.
  • No nasty $199-$299 modem surprise. It's included on contracts. Other providers hit you with this on day one.
  • Bundle your mobile and save $5/month. Simple, transparent, and it works as advertised.

Our View: 2degrees combines affordability, dependability, and practical extras that make a difference. Explore their plans today to see how much you can save with a provider you can trust.
Check 2degrees Plans for Your Address
Option 2 - Zeronet (When You Need Serious Speed)
Why we like Zeronet: They're not trying to compete on basic fibre - they're appealing to homes that have outgrown cheap and patchy internet. What makes Zeronet different includes:
  • 2000-4000 Mbps changes everything. Your whole house can stream, game and work simultaneously. No compromise.
  • Built for what's coming. Zeronet offers speeds and services that deliver for tomorrow's needs.

Unsure who to go with?
  • Consider 2degrees if you want reliable internet with real support and no setup surprises
  • Consider Zeronet if your household has outgrown regular speeds

Check Zeronet Plans for Your Address
Picture
 

Best No Contract Broadband Plans NZ

No Contract Broadband - Frequently Asked Questions

What is the shortest period I can get broadband for?

The shortest period offered by most providers is 30 days or one month. However, in practice, most providers need one month’s notice to cancel.

How fast is no contract broadband?

It depends on where you live, what plan you choose and whether you’re on a fibre, wireless or copper-line. Generally, the higher the monthly cost, the faster the speed.

Are there extra costs with no contract broadband plans?

Yes – you’ll usually need to pay for a modem and the delivery cost (unless you can source one from Trade Me or Facebook Marketplace etc., or from a friend). There may also be a connection charge if you’re using a copper-based connection (i.e. not fibre or mobile broadband) and you’ll also pay for a phone connection and ongoing rental. 

I’m moving house soon – should I get a no-contract broadband plan?

It depends on your plans – no contract options are the most flexible and will cover you until you move. However, some broadband providers allow fixed contract plans to be portable, meaning you can move them to a new address. However, as moving homes can be stressful enough, the fewer complications with your broadband billing, the better. Arguably, an open plan is best for the short-term.

What no-contract broadband connection types are available?

Broadband providers offer short-term connections on Fibre, VDSL, ADSL and mobile connections. Keep in mind that copper connections (i.e. non-fibre, non-mobile) require a line rental and the cost of this needs to be added on top of the monthly broadband bill.

Related guides:
  • Best Broadband Provider Comparison
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  • KiwiSaver
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  • Retirement
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      • Expanding Offshore
      • New Zealand Invoice Template
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  • Motoring
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      • Turners Cars Review
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    • Car Dealerships Explained
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      • Top-Selling Cars in New Zealand 2025 - The Complete Data Analysis
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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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  • EVs
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  • Travel
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    • Best of New Zealand
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    • Moving Overseas
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  • Mobile & SIM
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  • Power
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    • Power Companies
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  • Essential Money Tips
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      • Fleeced Kiwi Awards 2025
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Work and Income, MSD and Food Banks
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  • Life Essentials
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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    • Wellington Trade Services
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    • Christchurch Trade Services
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    • Hamilton Trade Services
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    • Tauranga Trade Services
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    • Dunedin Trade Services
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      • Wedding Photographers Queenstown
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    • Napier and Hastings Trade Services
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  • Students
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  • Events
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