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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Compare the Best PIE Term Deposit Rates

If you're on the 30%, 33% or 39% marginal tax rate, PIE term deposits cap the tax you'll pay on the interest you earn at 28%. MoneyHub publishes the top deals available right now from trusted banks, as well as tips and FAQs.
Best PIE Term Deposit Rates NZ
Updated 20 May 2025
​
Summary
  • As wages in New Zealand rise, more people are finding themselves in higher marginal tax brackets. When interest rates also increase, a higher marginal tax rate means that more of the interest earned on savings is taxed (as a proportion).
  • PIE term deposits offer a solution - they cap the tax rate at 28% for interest earned, allowing you to keep more.
  • Without PIE investments, high-income earners pay a higher proportion of tax on their term deposit earnings compared to low-income earners.
  • This guide provides information on the best PIE term deposit deals currently available, along with tips and FAQs to help you maximize your savings.
  • Keep in mind that banks possess varying credit ratings, which serve as indicators of the safety of your term deposit. For more information, refer to our comprehensive Bank Credit Ratings guide.
Our guide covers:
  1. Top PIE Term Deposit Interest Rates for up to 12 Months
  2. ​Top PIE Term Deposit Interest Rates for 18 Months to 5 Years
  3. Frequently Asked Questions
  4. Must-Know Facts and Tips
  5. PIE Term Deposit Pros and Cons

Want to see the pre-tax returns of a term deposit? Visit our Term Deposit Calculator

​Disclaimer:
  • Please note that banks frequently adjust PIE term deposit rates, and the rates presented in our guide are updated on a weekly basis. However, rates may change in between updates. 
  • We suggest double-checking directly with your preferred bank(s) to confirm their latest offers. 
  • As highlighted by our readers, banks are often open to negotiating better rates, particularly if approached within 20 days of maturity or when renewing your PIE funds. 
  • The advertised rates are often starting points, and you may secure a higher rate by directly negotiating with your bank if you invest a large sum of money. 

Know This First: Is NZ Superannuation included in my taxable income to calculate my PIR?
Yes - NZ Superannuation is part of your taxable income and affects your PIR. You should include it along with other income like salary, wages, or business earnings when determining your PIR for PIE investments.

Comparing the Returns - PIE Term Deposit vs Term Deposits on $10,000, $50,000 and $250,000 investments earning 5.00% for 12 months

  • The table below illustrates how people in higher tax brackets, with a marginal tax rate of 30% or more, pay more tax on term deposit earnings than those in the lower PAYE tax brackets of 10.50% or 17.50%.
  • However, it's important to note that PIE term deposit interest rates are typically lower than standard term deposit rates, as banks price their offers with the tax benefits of PIEs for higher earners in mind.
  • Additionally, the table assumes that the 5.00% p.a. interest rate is compounded at maturity (e.g. after 12 months), while many PIE and standard term deposits pay interest quarterly or more frequently.
Investment Option
Interest Earned After Tax on a $10,000 Investment (at 5% p.a for 12 months)
Interest Earned After Tax on a $50,000 Investment (at 5% p.a for 12 months)
Interest Earned After Tax on a
$250,000 Investment (at 5% p.a for 12 months)
PIE Term Deposit
(28% PIE Tax Rate)
$362
$1,804
$9,023
Term Deposit
(30% Income Tax Rate)
$351
$1,752
$8,770
Term Deposit
(33% Income Tax Rate)
$336
$1,679
$8,397
Term Deposit
(39% Income Tax Rate)
$307
$1,529
$7,644

Converting PIE Term Deposit Rates to Effective Returns (also known as Equivalent Gross Term Deposit Returns) to Compare Like for Like

You'll often see a PIE term deposit alongside 'effective returns' or something similar for the 30%, 33% and 39% tax rates. It's a point of confusion for many investors so we explain how these figures are calculated so you can compare with accuracy.

To convert a PIE term deposit rate to a normal term deposit interest rate to compare them side-by-side, you need to consider the 
different tax rates which are based on your taxable income. For example, if your taxable income is between $48,001 and $70,000, your tax rate is 30%, whereas you'll pay 33% if you earn between $70,001 to $180,000 and 39% on anything above $180,000.
Converting PIE Term Deposit Rates to Equivalent Gross Term Deposit Returns to Compare NZ
A historical example from Westpac showing a 5.50% PIE Term Deposit with 'Effective returns' also known as 'Equivalent Gross Term Deposit Returns'
Using the Westpac example above, to calculate the equivalent gross return for a 30%, 33%, and 39% taxpayer for a PIE term deposit with an advertised rate of 5.50% p.a. for 12 months, we follow a simple process using two factors:
  • Advertised Rate % p.a. = 5.50%
  • PIE tax rate = 28%
  1. First, calculate the return after the PIE tax: After-tax return = Advertised Rate X (1 - PIE tax rate) = 5.50% X (1 - 0.28) = 5.50% X 0.72 = 3.96%
  2. For a 30% taxpayer, the equivalent gross return = After-tax return / (1 - 0.30) = 3.96% / 0.70 = 5.66%
  3. For a 33% taxpayer: Equivalent gross return = After-tax return / (1 - 0.33) = 3.96% / 0.67 = 5.91%
  4. For a 39% taxpayer: Equivalent gross return = After-tax return / (1 - 0.39) = 3.96% / 0.61 = 6.49%

To confirm, the equivalent gross return for a 30% taxpayer is approximately 5.66%, for a 33% taxpayer is approximately 5.91%, and for a 39% taxpayer is approximately 6.49%. This matches the Westpac calculations above.

Advertised PIE Term Deposit Interest Rates vs Equivalent Gross Return (for 30%, 33% and 39% taxpayers)

The table below shows a PIE term deposit's true interest earning rate for higher-bracket taxpayers. We assume for the calculations that all interest is paid on maturity (e.g. when the term deposit ends). If interest is paid more frequently, e.g. quarterly or monthly, the effective interest rate increases because your interest earnings start compounding.
Advertised PIE Term Deposit Interest Rate
Equivalent Gross Return
(30% tax payer)
Equivalent Gross Return
(33% tax payer)
Equivalent Gross Return
(39% tax payer)
3% p.a
3.09%
3.22%
3.54%
4% p.a
4.11%
4.30
4.72%
5% p.a
5.14%
5.37%
5.90%
6% p.a
6.17%
6.45%
7.08%
7% p.a
7.20%
7.52%
8.26%
8% p.a
8.22%
8.60%
9.44%

What is a PIE term deposit, and how does it differ from a normal term deposit?

A PIE (Portfolio Investment Entity) term deposit is an investment several New Zealand banks offer. It's a fixed-term investment with a guaranteed return at a fixed interest rate. The main advantage of a PIE term deposit is that it allows you to pay tax on your earnings at a lower rate (capped at 28%), making it a tax-efficient investment option for higher earners.

A PIE term deposit is a type of term deposit that is taxed differently from a regular term deposit. With a regular term deposit, the interest you earn is subject to your marginal tax rate, which can be as high as 39%. With a PIE term deposit, your earnings are taxed at a maximum rate of 28%. This can make PIE term deposits a more attractive option for higher earners.

It's important to note that PIE term deposits function similarly to regular term deposits, with fixed interest rates and penalties for early withdrawal. However, the tax benefits of PIEs can make them a more attractive investment option for higher earners.

How is the interest rate for a PIE term deposit determined?

The interest rate for a PIE term deposit is typically based on the length of the term, the amount of money you invest, and prevailing market conditions. Banks may offer different interest rates for different term lengths and investment amounts, so shopping around is important to find the best deal.

How is the interest paid on a PIE term deposit?

The interest on a PIE term deposit can be paid at different times, depending on the bank's policies. For example, some banks may pay interest at maturity (i.e., at the end of the term), while others may pay interest quarterly, annually, or monthly. Some banks may also offer the option to compound your interest's interest, which means you earn interest on the interest you have already earned.

How is tax paid on PIE term deposit earnings?

With a PIE term deposit, the bank deducts tax on your earnings at source, and the remaining interest is paid to you. The amount of tax deducted depends on your Prescribed Investor Rate (PIR), which is based on your income and tax rate. The highest PIR under a PIE is 28%. If you're unsure what your PIR is, you can use the IRD's online tool to find out.

Warning - Investment Scams
  • We are aware New Zealanders are being targeted by scammers hoping to get their hands on money otherwise destined for legitimate term deposits. This term deposit scam featured on Fair Go in March 2023 is one of many examples.
  • We believe the scams start as adverts on third-party websites (e.g. not MoneyHub) and entice people to enter their contact details. Then, phone calls are made to lure the money to fake New Zealand and/or overseas-based companies promising returns above those you'll receive from term deposits.
  • MoneyHub Founder Christopher Walsh explains this problem in a video that lists what you can do to avoid scams altogether.
  • Remember, if it sounds too good to be true, or you have a funny feeling or anything else, do not proceed. There are too many scams out there to risk it, as you'll see in the video:

Best PIE Term Deposit Rates

Top PIE Term Deposits Available Right Now

Investment Term: 1 to 12 months

Heartland PIE term deposit rates NZ

Heartland Bank - 4.00% p.a. for 12 months

​Interest ​Rate: 4.00​​% p.a.
Term: 12 months
Interest payment: Every three months

Minimum deposit: $1,000
How to open: Apply via Heartland's website
Want to see the pre-tax returns of a PIE term deposit? Visit our Term Deposit Calculator
BNZ PIE term deposit rates NZ

BNZ - 3.90% p.a. for 12 months

​​​​Interest ​Rate: 3.90% p.a.
Term: 12 months
Interest payment: Monthly

Minimum deposit: $2,000
How to open: Apply via BNZ's website
Want to see the pre-tax returns of a term deposit? Visit our 
Term Deposit Calculator
Kiwibank PIE term deposit rates NZ

Kiwibank- 3.90% p.a. for 12 months

​​Interest ​Rate: 3.90​% p.a.
Term: 12 months
Interest payment: At maturity

Minimum deposit: $10,000
How to open: Apply via Kiwibank's website
Want to see the pre-tax returns of a term deposit? Visit our 
Term Deposit Calculator 
Westpac PIE term deposit rates NZ

Westpac - 3.90% p.a. for 12 months

​​​Interest ​Rate: 3.90​​​% p.a.
Term: 12 months
Interest payment: Monthly

Minimum deposit: $5,000
How to open: Apply via Westpac's website
Want to see the pre-tax returns of a term deposit? Visit our 
Term Deposit Calculator
ANZ PIE term deposit rates NZ

ANZ - 3.90% p.a. for 12 months

​​Interest ​Rate: 3.90​​% p.a.
Term: 12 months
Interest payment: Quarterly

Minimum deposit: $10,000
How to open: Apply via ANZ's website
Want to see the pre-tax returns of a term deposit? Visit our 
Term Deposit Calculator
ASB PIE term deposit rates NZ

ASB - 3.90% p.a. for 12 months

​​Interest ​Rate: 3.90​% p.a.
Term: 12 months
Interest payment: Quarterly (or monthly for deposits $10,000 and above)

Minimum deposit: $5,000
How to open: Apply via ASB's website
Want to see the pre-tax returns of a term deposit? Visit our 
Term Deposit Calculator
Disclosure:
  1. We have excluded credit unions, finance companies, mortgage trusts and other non-bank deposit takers. To see the current rates and credit ratings of the institutions, visit interest.co.nz.
  2. Rates are subject to change without notice - please confirm the latest interest rate, early withdrawal fees and interest payments before accepting any investment opportunity. 

Investment Term: 18 Months to 5 Years

With over 30 PIE term deposit options available for terms exceeding 12 months, interest rates are constantly fluctuating at an unprecedented pace. With so many options, we suggest visiting each bank's website directly to find a term that best fits your specific needs. To help you get started, we've compiled a list of interest rates from all six banks that offer PIE term deposits:
  • ANZ
  • ASB
  • BNZ
  • Kiwibank
  • Heartland Bank
  • Westpac

How do I pick the best PIE term deposit offer?

The best PIE term deposit is likely going to have the highest interest rate for the term you want to invest (i.e. three months or two years) from the most stable bank. You’ll also need to meet the minimum deposit threshold, which can be $1,000, $2,000 or as high as $10,000. Other considerations include:
  1. How often is interest calculated? The best PIE term deposits pay interest monthly, meaning it compounds, while others pay interest ‘at maturity’.
  2. Is there a break fee or penalty? If you think you’ll need the money before the term ends, you’ll pay a break fee. It’s likely to be an interest penalty, rather than an actual charge. However, check the details to be sure. If you may need the money, a savings account which allows instant access to your money could be a better option.

How can I check the balance?
PIE term deposits can be viewed online or via an app to help manage your money. Most banks offer this.

Our view: The best way to pick a PIE term deposit is by length and interest rate. If you’re prepared to complete the forms and set up an account with a new bank, the difference in interest rates can be significant. 0.50% or even 0.25% can make a $50 or $25 difference on a $10,000 PIE term deposit (before tax).

PIE Term Deposit Rates FAQs

PIE Term Deposit Frequently Asked Questions

While PIE term deposits are fairly simple, there are a few important details to be aware of. We answer the most common questions below:

Who offers PIE term deposits?

Most (but not all banks) offer PIE term deposits – our top term deposits has the latest offers and all the details you need to know. PIE options aren't offered by smaller banks - TSB, Co-operative, Rabobank and SBS being examples. Our editorial policy excludes the publication of any PIE or term deposit offers from finance companies, specialist mortgage lenders or unregulated issuer.

Can I open a joint PIE term deposit?

Generally not. However, high-interest savings accounts offer joint-control.

Are there any fees associated with PIE term deposits?

In most cases, there are no fees associated with PIE term deposits. However, if you need to withdraw your money before the end of the term, you may face a penalty in the form of lost interest.

Can I access my money before the end of the term?

Generally, you cannot access your money before the end of the term without incurring a penalty. However, some banks offer the option to break your term deposit early if you need to access your funds for an emergency.

Is a PIE term deposit safe?

While no investment is 100% safe, PIE term deposits fall into the category of ‘low risk’ (just as standard term deposits do). They also offer a guaranteed return – the interest rate is fixed for the term of the deposit. This differs from savings accounts where the interest rate can change at any time. 

What are the tax implications of interest earned on term deposits?

Per the NZ government, when you make a term deposit, you need to tell your provider (i.e. the bank):
  1. Your IRD number
  2. The tax rate you should pay, based on your income.
The interest you earn will be taxed at your tax rate. For example, if you earned $100 in interest and your tax rate is 17.50%, you’ll pay $17.50 in tax and keep $82.50.

How do I open a term deposit?

The best way is to open a term deposit online on via the bank's website, or by visiting the bank’s branch. You’ll need to provide a few documents (like an ID and proof of address) to validate your ownership and source of funds. Once approved, your money will be locked in for the agreed term.

What happens at the end of the investment's term?

Once term deposits reach the end of the term, it ‘matures’ and you’ll be given two options. Firstly, you can roll it over for the same term length at the market interest rate (which may be the same or higher or lower than the rate you first signed up for). Alternatively, you can transfer the money to a regular bank or savings account. If you want to withdraw the money before the term ends, you’ll pay a penalty for doing so.

Can I roll over my PIE term deposit when it matures?

Yes - most banks offer the option to roll over your PIE term deposit when it matures. This means that your investment will automatically be reinvested for another term at the prevailing interest rate. If you don't want to roll over your investment, you'll need to notify the bank before the end of the term.

Can I make additional deposits to my PIE term deposit?

No, a PIE term deposit is a fixed-term investment that cannot be added to once established. To make additional deposits, you must open a new PIE term deposit or consider other investment options, such as a savings account.

Can I have multiple PIE term deposits with different banks?

Yes, you can have multiple PIE term deposits with different banks or many at the same bank. There is no limit.

What happens if I need to withdraw my money early?

If you need to withdraw your money from a PIE term deposit before the end of the term, you may face a penalty in the form of lost interest. The penalty amount depends on the bank's policies and the time remaining in the term. Some banks may offer the option to break your term deposit early in certain circumstances, such as for an emergency or a major life event, but this will generally result in a penalty.

PIE Term Deposit Rates Pros and Cons NZ

PIE Term Deposits - Pros and Cons

PIE term deposits offer security, but they may not be for everyone. We discuss the pros and cons below:

Pros:
  1. Low risk – you’ll earn the interest rate you agree to, and there’s next to no chance of losing your money if you invest with a New Zealand bank.
  2. Tax advantage - you'll benefit if you pay 30%, 33% or 39% marginal tax given PIE cap taxes on interest earned at 28%.
  3. Compound interest - some PIE term deposits offer the option to have interest compounded, which means you earn interest on the interest you have already earned.
  4. Guaranteed return - with a fixed interest rate, you know exactly how much interest you will earn over the life of your investment.
  5. Diversification - term deposits can be a useful component of a diversified investment portfolio, providing a low-risk, stable source of income.
  6. No fees – you don’t pay anything to invest (unless you break the term to access your money).
  7. Locks in an interest rate – unlike most other investments, your return is fixed. No matter what the sharemarket or Reserve Bank does during your term, you will receive the interest you agreed on. 
  8. Encourages good savings habits – a term deposit is locked in, so without the hassle of breaking it and incurring penalties, having the money invested (and rolling it over when the term ends) keeps your finances in order.
Cons:
  1. You can’t access your money until the term ends – this means you’ll need to budget accordingly and have enough money
  2. You can’t add to the term deposit while it’s invested – savings accounts allow and encourage you to keep saving, but term deposits are fixed until maturity. If you want to save more, you’ll need a savings account. 
  3. No flexibility – term deposits are fixed for a period of time, and if interest rates increase, you won’t benefit. However, you’ll be protected if they fall.​
  4. Opportunity cost - because your money is tied up in a term deposit, you may miss out on other investment opportunities that arise during the term of your deposit.
  5. Inflation risk - because the interest rate is fixed, there is a risk that inflation could erode the value of your returns over time - New Zealand's inflation continues to be higher than any PIE term deposit offer.

Related guides
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  • Notice Saver Accounts
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  • Credit Cards
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        • Qantas Credit Cards
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  • Banking & Savings
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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  • MSD
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    • Best of New Zealand
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  • Travel Insurance
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    • Specific Risk Cover
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    • Essential Information
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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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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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
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  • Financial Independence
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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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      • HelloFresh Review
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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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    • Wedding Resources
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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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