MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • 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
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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Digital Identity and Online Verification Tools in New Zealand

Digital identity programs and online verification services are becoming a normal part of the internet economy. They are vital to combating fraud, identity theft, money laundering and terrorist financing in New Zealand and worldwide. Our guide explains the current options available in New Zealand.
Online Verification and Digital Identity Tools New Zealand
Updated 20 July 2024
Online customer identity verification solutions are commonplace in the fintech sector. Many new digitised financial services platforms like Wise, PayPal, Sharesies and many other e-wallets and investing apps have emerged in the past decade. Besides a handful of exceptions, companies providing financial services are obliged to perform identity verification on their clients, commonly known as KYC or know-your-customer.

Online identity verification tools enable fintech platforms to perform non-face-to-face verification. Instead of visiting the local bank branch to open a bank account and handing your passport and latest utility bill over to the teller to make photocopies, online identity verification tools make that process possible online.

Identity verification solutions are a two-way street; consumers use them to share extremely sensitive data, and businesses need them to follow regulations and protect their interests. This guide reviews some of the leading online verification tools available to New Zealand businesses, examines the growing need for such solutions outside of the financial services sector and the adoption of centralised government-supported digital identity solutions like Real Me.

Summary
  • Online identity verification services have been used by online trading platforms, neo-banks, e-wallets and gaming sites for several years. These solutions help companies collect and verify customer identity documents.
  • New Zealand is home to a handful of innovative regtech (regulation-technology) companies providing innovative solutions to help companies meet CDD (customer due diligence), AML (anti-money laundering), CTF (counter-terrorist financing) obligations and best practices.
  • Digital identity or electronic identity programs are emerging worldwide and aim to replace our physical identity documents. Initiatives are being supported by governments and international organisations like the World Economic Forum, Gates Foundation's ID2020 and the World Bank’s ID4D.
  • New Zealand’s national digital identity program, RealMe, is positioned to take market share away from New Zealand-based regtech platforms. Businesses integrated with RealMe can identify their customers via RealMe as opposed to other solutions.
  • RealMe is developed by overseas companies. The Department of Internal Affairs cooperates with US, Japanese and Irish firms to develop its technology.
  • Digital identity programs can bring a lot of good to societies but cybersecurity, privacy and human rights advocates have concerns about the responsibility and power these programs put in the government's hands.

Our guide covers:
  • An introduction to online identity verification services
  • Introduction to digital identity programs
  • Introduction to RealMe
  • Leading New Zealand customer verification services
  • Risks of digital identity and verification solutions

Online Verification and Digital Identity Tools NZ

An introduction to online identity verification services

Have you ever applied for a bank or payment account online? Or perhaps opened an online trading or betting account? Then you’ve likely used an online service to verify your identity. 

Online identity verification services emerged primarily to cater to online financial services and gambling sites to help them onboard customers seamlessly while meeting their KYC and AML obligations. These sectors are highly regulated because they support ecosystems that can potentially be used to launder money. Therefore, international and local regulations require these companies to verify the identity of individuals applying to use their services using reliable documentation.

The only way to adequately verify identities online is with technology. Online ID verification platforms provide easy to use widgets (accurately known as software development kits, or SDKs) for companies to integrate into their web or mobile applications to collect and process sensitive personal documents. 

ID verification services collect applicants’ identity documentation, for example, national ID, driver’s license or passport, and often proof of residence documents, such as a utility bill or bank statement. The verification service will use sophisticated software to verify the authenticity of a document and look for any red flags. Most platforms will perform a manual review of documents before providing an evaluation.

Besides verifying the authenticity of ID documents, many platforms build added value services to enhance the quality of their services, such as screening customer names and addresses against various databases and performing liveness detection and face matching.

The growing need for online verification services

It’s not just financial services and gaming platforms that should apply KYC policies to their customers. As more businesses take their services online and only know their customers digitally, there is a growing need to tackle fraud and follow regulations. Online businesses, large and small, need to find innovative ways to protect their interests and reduce fraud without causing friction and inconvenience for their customers.

Online verification services have branched out and started catering to other sectors, such as eCommerce, online marketplaces, sharing economy platforms, telecommunications companies, travel companies, e-learning platforms and more. 

Know this:
  • Sharing economy platforms like Trade Me, Airbnb and Uber are at risk of scammers and bad actors who can harm communities and companies’ reputations. 
  • Telecommunication providers like Vodafone, Spark and 2degrees need to know their customers’ identities to protect them from SIM swap fraud. 
  • Travel companies like hotels, airlines, and booking sites can check-in their guests before they arrive instead of bothering tired travellers with identity checks.
  • Universities providing distance learning, such as Victoria University, Massey University, and the Open Polytechnic, need to know who the right students attend the courses and sit exams.

Online Verification and Digital Identity Tools NZ

Introduction to digital identity programs

The digital identity concept has been around for decades. Ever since people began transacting online, the need to verify users and customers has existed. Identity is defined as a set of attributes related to an entity. The attributes assigned to an entity can vary depending on the use case. For example, a passport does not define what vehicle classes you can drive as the purpose is to permit you to pass through ports and borders, not drive vehicles. 

Attributes that can be assigned to an identity include:
  • Name (first name, last name, middle name, maiden name, alias, etc.)
  • Date of birth
  • Place of birth (city, country)
  • Nationality
  • Citizenship
  • Residential address
  • Phone number
  • Email address
  • Tax identification number
  • Personal number/Birth number
  • Biometric data (facial recognition, fingerprints, retina scan)

The first generation of digital IDs that emerged was developed by online services to provide a single account to access multiple services. Facebook Login, Apple ID, Google Sign-in, and other services let third-party developers use authentication solutions.

You can see a snapshot of the current usage of popular single-sign-on services according to data from BuiltWith. It’s no secret that tech giants like Google, Facebook and Apple have lots of information about consumers. These companies also have sophisticated tools to reduce fraud and secure information. Companies using authentication services provided by big-tech can piggyback on their infrastructure and know with a good degree of confidence that when someone registers, they are a real person, without even collecting any information. Popular platforms using Google to help verify the authenticity of users in their community include Fiverr, UpWork and Medium.

Social login services helped lay the ground for further innovation related to digital identity, as did the widespread adoption of mobile technologies and apps like Apple Wallet. 

While verifying with a reasonable level of confidence that a user leaving a product review or writing an article is authentic, the emergence of online identity verification services indicates that companies from many industries need more data and confidence when onboarding customers and users. 

National digital identity programs
A digital identity (digital ID), or electronic identification (eID), is a digital equivalent to your physical identity documents, such as your passport, driver’s license or national ID. 

Digital identity programs are typically sponsored by governments, just like your other ID documents. For example, New Zealand’s RealMe is managed by the Department of Internal Affairs, the same department responsible for issuing passports, processing citizenship applications and registering births, deaths, marriages and civil unions.  

Because digital IDs are not printed on small pieces of plastic, they can store much more data and be regularly updated as your information changes. The promoted use cases of digital ID programs include:
  • Make an age-sensitive purchase online, such as alcohol or a lottery ticket
  • Collect a package from the post office
  • Apply for government assistance, such as disability support or unemployment benefits.
  • Merge all your documents in one place.
  • Apply electronic signatures and seals to documents.
  • Act as a single-sign-on service for all government services.
  • Make notary services obsolete.
  • Access and use vaccination records.
  • Open a bank account or register to use financial services.

RealMe Logo NZ

Introduction to RealMe

RealMe is New Zealand’s digital identity service. The service was launched in 2013 and administered by the Department of Internal Affairs. As of July 2021, RealMe has 901,253 users out of the estimated population of 5,122,600, according to RealMe and Stats NZ.

You can use RealMe to interact with various government departments and businesses in New Zealand. You can find a full list of where you can use RealMe on the official website.

  • Apply for a bank account ANZ, BNZ, Kiwibank or Westpac.
  • Onboard with financial services providers, such as Kiwi-Coin.
  • Request a replacement driver licence and update vehicle ownership details with the NZTA.
  • Log in to your My Health Account using your RealMe credentials.
  • Set up a company with Companies Register, apply for licenses and permits with Business Connect and register trademarks with IPONZ. 
  • Access various local council services.

Know This: Besides New Zealand, numerous other countries have implemented national digital identity programs to help citizens interact with government services and securely verify their identity to private institutions online. 

Although many countries have introduced an eID scheme, the level of adoption is low, and the scope of supported services are limited. Many countries are still preparing their citizens for upcoming plans to introduce digital ID programs. Countries with functioning digital identity programs include China, India, Singapore, Sweden, Oman, Estonia, Denmark, Norway, Netherlands and Italy, among others.

Online Verification and Digital Identity Tools New Zealand

Leading New Zealand customer verification services

There are dozens of online ID and customer verification services. On the surface, most of them offer a similar scope of features and provide great coverage for English speaking regions, such as New Zealand, Australia, Singapore, the UK, Canada, the USA. It’s not just about language, but localisation is easier too. In developed countries, the availability of secondary data, such as watchlists, adverse media and public registries, is greater.

When choosing a customer verification service, you need to consider several things:
  • Does the solution support languages you need, such as Māori language?
  • Is the solution compliant with the local regulations you’re trying to comply with?
  • Where is the solution hosted, and will you comply with applicable data protection regulations?
  • Is the solution easy to implement and use?
APLYid Logo NZ

APLYiD

APLYiD was founded in New Zealand in 2018 by Russell and Claudia Smith, both serial entrepreneurs and executives with strong backgrounds in AML, KYC and regulatory compliance. The company offers a platform-as-a-service for performing customer verification and due diligence. APLYiD has over 20 people based in New Zealand and another dozen team members overseas in Australia and the UK to support global efforts.

Key features of the APLYiD platform include:
  • Verifies IDs by comparing them against a global database of document templates using artificial intelligence, machine learning and manual reviews to identify document tampering and digital manipulation. 
  • Screens customers names and attributes against global sanctions and watchlists to identify if any customers are politically exposed or linked to criminal offences.
  • Performs facial recognition to ensure the customer onboarding is the same person in the photo document. 
  • Provides an out-of-the-box solution allowing companies to launch with the solutions quickly. 
  • Offers flexible APIs and integration with leading CRMs, such as Salesforce.
  • APLYiD provides a feature where they delete all Personal Identity Information once it’s downloaded.

cloudcheck logo nz

Cloudcheck

Cloudcheck is an online electronic identity verification platform specialising in supporting New Zealand and Australian businesses to meet their KYC and AML obligations. The company is led by Vincent McCartney, formerly a non-executive director of Backbull Markets, senior manager at CMC Markets and recently co-founded RegTech NZ.

The Cloudcheck platform offers numerous features and tools to perform customer verification and perform customer due diligence. Cloudcheck provides various mediums for performing customer onboarding, such as: 
  • A stand-alone web application for companies to manually upload customer information they collected in-person or via email, or another online registration tools;
  • A function to send registration links to customers via SMS or email to complete onboarding online;
  • An SDK for iOS and Android application and a hosted web registration page; and,
  • An API (application programming interface) for transferring data from the company’s platform to Cloudcheck.

Cloudcheck also offers customer identity verification using Akahu, performs MRZ code validation, supports know-your-business (KYB) checks for New Zealand companies and offers biometric face matching against identity documents.
firstaml logo nz

First AML

First AML is a New Zealand based AML outsourcing specialist that allows companies to delegate their customer due diligence and KYC obligations to a compliance specialist. It can be hard for fintech startups to build and scale a compliance department, and some businesses like law firms and real estate agents perform customer due diligence irregularly, making it infeasible to have even one full-time compliance officer.

First AML helps establish a compliance program and then manages the entire customer onboarding process using an in-house AML analyst team to review documents and perform checks. The company can perform complex and time-consuming corporate structure analysis and uses industry-standard tools, such as biometric electronic ID verification.
realaml logo nz

RealAML

RealAML, incorporated as Realyou Limited, is a New Zealand based AML outsourcing company. The company was launched in 2019 by Jordan McCown, a former hedge fund manager and compliance officer who faced first-hand the shortcomings of compliance solutions in the early 2000s. After building two other startups, he co-founded RealAML with CTO Gowtham Selvaraj. 

RealAML provides either a completely outsourced KYC service and various tools to assist with customer onboarding. The outsourced KYC service follows New Zealand’s AML Act 2009. The company performs customer and enhanced due diligence on behalf of their clients and produces a comprehensive PDF report with all the mandatory information in an average of two days.

Besides the outsourced KYC service, the RealAML provides tools for companies to independently verify a person’s identity by processing images and text from a photo ID document. The system then performs facial recognition and liveness detection using a selfie. It also lets companies screen customers against global sanctions and watchlists to monitor politically exposed persons and their close relatives and persons and entities of special interest.

While RealAML provides a complete KYC outsourcing solution compliant with New Zealand regulations, the platform lacks modern onboarding technologies and a mobile-first approach.

Online Verification and Digital Identity Tools NZ

Risks of digital identity and verification solutions

The many benefits of having a digital identity and the merits of ID verification services are clear, but there are always risks to innovation. Specifically:
  • Cybersecurity, privacy and human rights advocates have voiced various concerns about digital ID programs.
  • The cybersecurity experts are sceptical that governments have the know-how to develop or even tender for sophisticated systems that safeguard and administer some of the most sensitive data their country holds. 
  • For example, in October, it was revealed that despite having access to the world’s best consultants, the UK’s COVID-19 test and trace efforts were diminished because Public Health England’s test and trace database was an Excel spreadsheet, despite the government allocating a budget of hundreds of millions of pounds to contact tracing.
  • The identity verification, facial recognition and biometric data processing functions used by RealMe and the New Zealand Department of Internal Affairs use components from various overseas companies. Companies contributing to New Zealand’s identity programs include Doan, DXC Technology and NEC.
  • The Department of Internal Affairs is leveraging the IdentityX platform from Daon, an Irish company, to enable citizens to establish a verified identity online instead of visiting a New Zealand PostShop.
  • The Department of Internal Affairs signed a master services agreement with US-based DXC Technology to develop the country’s facial recognition program. The master services agreement includes access to Neoface Reveal technology, developed by NEC, a Japanese company.
  • When there are already several established identity verification solutions to serve the New Zealand market, it would be pleasing to see the government support local business and innovation.

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