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

We hear from many New Zealanders furious about parking 'infringement notices' issued in private car parks. This guide helps you know your rights and obligations.
parking tickets fight back NZ
Updated 8 January 2025

Read this first - MoneyHub Founder Christopher Walsh shares his views on parking infringements:

"MoneyHub has received hundreds of emails from drivers in all corners of New Zealand since first publishing this guide in 2018. We have seen it all - from comical situations to downright bad luck. Thousands of New Zealanders have downloaded our resources below with varying success. Generally, those with a history of parking infringements fail, while some cases have seen the breach notices waived.

It is clear that as soon as you enter a private car park, you are under the rules of the company operating it. However, sometimes it's not obvious you've entered a private area as there won't be a barrier to pass etc. Recent legal developments, specifically the Supreme Court case of 127 Hobson Street Ltd v Honey Bees Preschool Ltd [2020] ('Honey Bees'), suggest companies have more legal power to enforce these rules when it comes to financial losses. However, despite this judgement being made around three years ago, we continue to receive emails from drivers who have had success with our templates.

However, the experience is not pleasant, and 'successful' cases still cost time, money, and stress. While $65 is a lot of money, it's also a sum that makes you learn not to fall victim (or be less careful) in the future and not end up in the 'lair' of a parking company. You may want to pay it and move on with your life. If it happened to a member of my family, I would tell them to pay it and learn from it (assuming the breach notice wasn't issued incorrectly). I've seen too much fighting from other cases and don't want them to suffer. 

Our guide below is for your reference. If you want to challenge it, proceed with caution - it may cost you more than the original breach notice. 

If you are prepared to fight back at your own risk, we have published resources to help. However, we have not updated them for the Honey Bees Supreme Court case. This is because the case law has been interpreted by law firms (Minter Ellison, Taylor Shaw, McElroys and others) for its applicability to various industries. The ramifications of the case for car parking have not specifically been discussed in any formal publication. If and when it is, we will update this guide accordingly".

Our guidance continues to help people - we received this just before Christmas 2023:
"Hi MoneyHub - I wanted to express my gratitude for the valuable resources provided on your website. Recently, I faced a $65 penalty for overstaying by 20 minutes in a private parking lot. Fortunately, I came across the dispute template and guidelines on your site. I used them to challenge the fine, and to my relief, they agreed to waive the ticket. I'm truly thankful for your helpful advice".
MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh


Next Steps:
  • If you want to 'solve' the issue, the next step is to pay the amount owing (unless it was issued incorrectly etc.).
  • If you wish to fight the parking infringement notice, this is our historical information with templates and facts. Readers report varying degrees of success, so you'll proceed at your own risk.

Before proceeding, please keep in mind that government guidance confirms "Landowners, tenants, and their employees, have the right to take action, like ticketing a vehicle when your parking goes against the terms you agreed to by using a facility with signs clearly stating what is included in the service, e.g. time limits, fees, and the action to be taken if you break the agreement".

Summary
  • It's a moment that ruins your day. You get back to your vehicle and see a parking ticket, and anxiously look closer at it only to see an outrageous amount. Adding to the frustration, you see the amount due is marked as "urgent".
  • We regularly hear from infuriated drivers all over New Zealand about ripoff private parking tickets, towing and clamping. In response, we have put together this guide to private parking tickets to empower readers to challenge the fee.
  • The historical position of Consumer New Zealand is to pay what you feel is reasonable per this 2021 article - if you overstayed by an hour, they suggest telling the company you'll pay the cost of that extra hour.
  • Parking companies will argue the parking ticket is to pay for the monitoring of the car park.
  • Many drivers are at fault and will be better off paying and moving on due to the time and stress an appeal process creates.
  • Exception: If you have entered into a pre-existing agreement with a parking company, i.e. signed a contract to lease a space for a specific number of weeks, and then failed to pay, this guide is not for you as you have breached a contract. In such circumstances, we suggest contacting the parking company, with urgency. 

The Power of Language
  • Parking companies want to make their customers believe that the infringement notices are serious and the word 'fine' would convey that, along with the use of serious words like fines and penalties.
  • Threats of bad credit scores and debt collection are more methods of bullying vulnerable customers to pay up.
  • We believe the difference between a typical parking fee (ranging from $2-$10/hour in many locations) and a $50 to $65+ penalty is a big difference, and if you do fail in your appeal, a valuable lesson.

Your Step-by-Step Guide to Challenging Private Parking Tickets
  • This guide outlines your rights when it comes to getting a parking ticket and a step-by-step guide to challenging parking tickets.
  • However, if you want to challenge a parking ticket issued by a council or a government organisation, for example Auckland Transport, this guide is not for you. Please visit this useful resource which may cover the reason for your parking ticket and possible opportunities to appeal.
Our guide covers:
  • Parking Ticket and Infringement Notices Must-Know Facts
  • Templates
  • Towing and Clamping

Important: Please note, MoneyHub cannot advise on specific parking cases.
  1. We strongly suggest you use our resources at the end of this guide, gather all evidence (photos, receipts of purchases and anything else relevant) and plead your case following the process outlined below.
  2. Some companies will lose patience and waive the fee if you persist - if you aren't in the wrong, being persistent gives you the best chance of winning your case.
  3. A MoneyHub reader shared their experience in October 2024 which provides more details about a best-situation outcome:

"Hi Moneyhub team,

I was recently shocked to get a parking fine in a space allocated for camping vehicles at a car park near of a supermarket. I am always careful to avoid disabled spaces and those allocated for mums with prams, but those spaces are always clearly marked with distinctive well-known symbols on the ground. This space was not marked with symbols on the ground, only with a small placard on a post several car spaces away which was not visible from where we parked.  

I thought it was a bit rich to claim that I had entered into a contract by driving onto the site, so I came to your website, read your background material and advice on the subject, and challenged the fine. When I first contacted the company through their appeals portal, I was told the fine would stand. However, I challenged it with more detail a second time and received a notice yesterday that the fine was to be waived.

I thought you would like to know that your guidance (on the website) was appreciated and resulted in two good outcomes:
1) As your guide says, you don't want people ignoring reasonable rules on parking designed to impose order in private parking. I will be more aware and considerate of special car spaces in private car parks in the future, but also,
2) I avoided what I still believe was an unfair fine.

Below is a summary of my appeal, including the points you suggested and some of my own observations, which I believe are valid concerns regarding this issue of private parking arrangements. Perhaps they will help others who come to you for help.
  1. There is insufficient space (limit of 180 characters) on the appeal portal to submit a substantive appeal, so, through the appeal portal, I asked the company to email me so I could make a proper appeal. They wrote back and said my appeal (which I had not yet lodged) was denied and I was required to pay the fine. However, I now had an email address for the company, so I ignored their advice and submitted my appeal by return email.
  2. The time frame to appeal is very short, at 14 days.
  3. I conclude that the appeal portal was deliberately designed with very limited space, making it difficult to present a compelling appeal. Limited space and short time to appeal both represent a failure of procedural fairness.
  4. I did not notice a sign at the entrance to the car park advising that a) parking rules were in place, b) that they were not just suggestions, but requirements that were vigorously policed and c) that significant penalties could be imposed for violations of these rules.
  5. I think those ideas should be clearly communicated if the company wants to claim that I accepted those terms and entered into a contract when I drove into the carpark. In fact, the photos below show the sign that I presume contains the terms on which entry to the car park is predicated. It is not accessible on foot as it is in an overgrown garden and is not legible from a distance nor from a moving car. There is nowhere to park temporarily or stand to read the terms, even if you realise the purpose of the sign.
  6. I argued the fine exceeded any "actual and reasonable costs incurred" or loss suffered since there were many unoccupied spaces at the time of the alleged unauthorised parking.
  7. My past familiarity with parking on private land is that if strict rules are in place, parking is controlled by a boom gate with explicit instructions and warnings of penalties at the control point. Such controls, instructions, and warnings were not in evidence at this car park.
  8. Therefore, I concluded that I did not knowingly accept the company's terms, enter into any contract relative to parking my car on the site, nor accept the possibility of penalties.

Thank you again for providing all the valuable information on your website. It was very encouraging, informative and helpful.

parking tickets

Parking Ticket and Infringement Notices Must-Know Facts

We've listed some must-know facts below to help you better understand parking tickets and how you can challenge them. 
Parking Tickets NZ

Anyone can issue parking tickets; know the difference between private and government

If your ticket was issued by the government (Auckland Transport, Wellington City Council, etc), this is a local authority traffic ticket which can cover a broad range of traffic offences. You'll need to contact the ticket issuer to either pay the money owed or challenge the reason for the ticket - this guide is not for you.

If you have parked in a private car park and received a ticket, you will see it is issued by an institution other than the government (for example Vehicle Enforcement Services). Our guide gives you the power to challenge such tickets and fight back with confidence.
Parking Tickets NZ

Our guide fights against unfair parking tickets; it's not to get you off inconsiderate behaviour

Parking laws are designed to keep the roads safe; parking over a zebra crossing, clearway or driveway and blocking traffic flows is a danger and nuisance. This guide is about keeping money in your wallet when a private parking enforcement company hits you with a hefty ticket where it's not so clear it's your fault, or they are in the wrong.
Parking Tickets NZ

Never pay a parking fine straight away

Paying a parking ticket right away is a big no-no - you are admitting liability and if you later want to appeal, the company has no incentive to listen to you. Once it has your money, it loses interest in you and getting back anything is near-impossible. That said, not paying it is going to lead to problems that are easily avoided.
parking tickets
Parking Tickets NZ

Parking companies generally have a spray-gun approach to issuing infringement notices

The general public knows little about the laws which govern parking companies, and this works in favour of anyone who operates a car park. There are extensive reports in the media involving parking companies issuing "accidental" tickets by mistake as well as infringement notices for vehicles in areas outside of their control. Parking companies know that most recipients don't want the hassle of a fight, inconvenience and the risk of a bigger penalty, and opt to pay the money demanded to solve a problem.

As it stands, parking companies have all the cards - little or no competition, general misinformation about the enforceability of their tickets, and thousands of potential revenue-generating cars entering their premises every week.
Parking Tickets NZ

Revoke authorisation to access to your personal details so that car parking companies can't threaten you in writing

If you want to stop a car parking company from sending an infringement notice to your home, you can revoke access to your personal details with the help of the New Zealand Transport Authority. This prohibits third-party companies like Wilson Parking, Care Park and similar operators from accessing your vehicle's owner details. To make things clear, if you've revoked access, the car parking company cannot find out your address to chase you for payment.

What to know:
  • Revoking access is free to do, takes less than five minutes; you'll need your vehicle registration plate number and a proof of ID.
  • Click on the NZTA's Personal Information link
  • Once you opt out, you are still liable to parking infringements, but the operator will need to prove you've failed to comply with its parking rules. This includes taking as many photos as necessary to prove the breach, including the number plate, a view of the entire dashboard,  the vehicle's position including a detailed view of the background and any other relevant details such as chalk markings and signage.
  • If you see a notice of an infringement on your vehicle, you are entitled under the Code of Parking for Enforcement on Private Land to ask for photo evidence.
  • If there isn't any such photo evidence, any infringement is unenforceable and must be waived.
  • If there is photo evidence, it's possible some of the photos show empty parks surrounding your vehicle. If this is the case, the car parking company's claim that the extra time in the car park caused a financial loss is even weaker.
  • Opting out doesn't give you the right to be inconsiderate and never pay for parking; if you are in the wrong, the best option is to pay for the time you overstayed. 
parking tickets
Parking Tickets NZ

Councils and government body parking fines are a fraction of what private companies charge

If a council can charge a 'reasonable' $10 to $15 for "overstaying" at a paid car park (or $40 for not paying at all), then clearly a $65 infringement for private parking where you have already paid for parking can be seen as unreasonable. If a private company claims they need the $65 infringements to "cover their costs", then this would suggest their business model is not profitable. Financial statements filed with the Companies Office showed one notable car park operator posted a $12.5m after-tax profit in the year ended 30 June 2018.​
Parking Tickets NZ

Debt collection is a threat, and often used

The best approach is to send our template letter to the parking company. The worst thing to do is to do nothing. This puts you at the mercy of the parking company's tactics, which can get awfully scary, very quickly.

Often debt collectors contact those with parking infringement notices very quickly. Fees may be added. This creates a lot of stress, and while your breach is in dispute, the experience for most people is unpleasant.

Debt Collection agencies
  • Our guide to credit scores and reporting is clear - parking tickets, generally, do not appear on your credit history. However, if Baycorp or another legitimate debt collection company contacts you, the debt is different. We suggest contacting Baycorp (or whatever debt collector it is) to tell them the debt is in dispute, and get confirmation of your notification in writing.
  • If you do find your credit history affected by a parking ticket, we suggest contacting the credit scoring company and informing them that the debt is in dispute, and for it to be removed from your records. 

parking tickets

Template Letters (Proceed at Your Own Risk)

If you are prepared to fight back at your own risk, we have published resources to help. However, we have not updated them for the Honey Bees Supreme Court case. This is because the case law has been interpreted by law firms (Minter Ellison, Taylor Shaw, McElroys and others) for its applicability to various industries. The ramifications of the case for car parking have not specifically been discussed in any formal publication. If and when it is, we will update this guide accordingly.

Before proceeding, please keep in mind that government guidance confirms "Landowners, tenants, and their employees, have the right to take action, like ticketing a vehicle when your parking goes against the terms you agreed to by using a facility with signs clearly stating what is included in the service, e.g. time limits, fees, and the action to be taken if you break the agreement".

Our (historical) templates - use at your own risk:
  • Parked in a free parking area, like a shopping mall or supermarket? Download our template letter
  • Parked in a privately operated paid parking spot? Download our template letter​
  • Have your appeals all been rejected? One option is to head to the Disputes Tribunal. Download our template letter​

Important: Please note, MoneyHub cannot advise on specific parking cases
  1. We strongly suggest you use our resources, gather all evidence (photos, receipts of purchases and anything else relevant) and plead your case following the process outlined below.
  2. Many companies will lose patience and waive the fee if you persist - if you aren't in the wrong, being persistent gives you the best chance of winning your case.

clamping new zealand rights

Towing and Clamping

  • The Land Transport Act sets out to protect the public from wheel clampers charging excessive fees. The maximum fee that can be charged is $100 per this government guidance.
  • Our team continues to be perplexed as to why towing doesn't have a maximum fee.
  • Towing is a highly emotional experience for any vehicle owner, and it's something we receive a lot of complaints about.

Government guidance confirms that a person who pays for their vehicle to be released from a clamp or towing facility has the right to seek a part or full refund, or in some cases, compensation, when:
  • You were misled by signage.
  • The ticketing, clamping or towing was unjustified or unauthorised.
  • Enforcement fees are unreasonable.

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  • Credit Cards
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  • Banking & Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • Best of New Zealand
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  • Travel Insurance
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    • Essential Information
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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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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
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  • Financial Independence
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    • FIRE Tools
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      • SortMe Review
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    • Tax
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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