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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Plus500 Markets Review

This Plus500 review is dedicated for New Zealanders looking to trade forex or speculate with CFDs with a broker that is licensed by the New Zealand FMA. The purpose of this guide is to help you understand the products and services provided by Plus500 to New Zealanders

Plus500 Review NZ
Updated 4 April 2021
In this review of Plus500, we explore this popular international broker’s services from a New Zealander’s perspective. If you’re looking for a CFD broker to trade with from New Zealand, Plus500 likely popped up in your web searches as one of the top choices in New Zealand. This guide aims to help you understand this broker’s features and characteristics and compare it against other brokers active in New Zealand, such as CMC Markets, IG Markets, and BlackBull.
 
Plus500 summary
  • Plus500 is an international forex and CFD broker licensed and authorised in numerous financial centres.
  • New Zealand residents trading with Plus500 will register with the Australian entity, Plus500AU Pty Ltd, which is a licensed derivatives issuer in New Zealand.
  • Traders use the proprietary Plus500 platform exclusively.
  • Trade CFDs on forex, indices, shares and ETFs, commodities, treasuries and cryptocurrencies.
  • No commissions are charged on any of the products.
  • The maximum leverage available is 1:300, although it can be lower on certain products, such as cryptocurrency CFDs.
  • Plus500 offers demo accounts which can be operated indefinitely.
  • As a company, Plus500 is listed on the London Stock Exchange and a constituent of the FTSE250 index.

​To help you understand the pros, cons, costs and limitations of Plus500, our guide covers:
  • Overview of the Plus500 ​Trading Platform
  • Trading Instruments
  • ​​Costs to Trade
  • Getting Started with Plus500
  • Frequently Asked Questions
​
CFD Trading Risk Warning
By writing this review, we do not recommend or even suggest that you should trade forex or CFD instruments. FX and CFD trading are highly leveraged, which can result in rapid losses. For example, Plus500’s European branch warns clients that 76.4% of retail investor accounts incurred losses when trading CFDs.

There are always risks involved in trading financial markets. However, when trading leveraged derivatives like contracts for difference (CFDs), those risks are significantly amplified. If the concept of trading CFDs is new to you, we recommend reading our guides on:
  • Forex trading
  • CFD trading
  • Plus 500 vs CMC Markets vs Blackbull Markets vs IG Review​​
Plus500 Review NZ

Plus500 in New Zealand - Financial Regulation and Registrations

Plus500 is a private company registered in Australia as Plus500AU Pty Ltd with ACN 153 301 681 and authorised by the Australian Securities Exchange Commission (ASIC) with licensed number AFSL #417727. Plus500AU Pty Ltd is registered as a Financial Services Provider with FSP no. FSP486026 and licensed as a Derivatives Issuer with the Financial Markets Authority since December 2016.

Know This First - Plus500's Corporate Overview

​Plus500 was founded in Israel in 2008 by six alumni of the Technion - Israel Institute of Technology, the top-ranking university in the Middle East. The six IT experts chose to build a proprietary trading platform instead of leasing the highly popular white label trading platform MT4, developed by MetaQuotes, as many start-up brokers decided to do at the time.
 
Plus500 has been licensed by the UK’s Financial Conduct Authority since 2010. Since then, the company obtained licenses in Cyprus (CySEC), Australia (ASIC), New Zealand (FMA), Singapore (MAS), Israel (ISA), South Africa (FSCA) and Seychelles (FSA).
 
In 2013, the company listed on the Alternative Investment Market (AIM) at the London Stock Exchange (LSE) under the ticker ‘PLUS’. In 2018, the company listed on the LSE’s main market.
 
If you’re a sports fan, you may already be familiar with the Plus500 brand. The company regularly displays pitch side ads at football and rugby events. It is the shirt-sponsor of some high-profile European football teams like Bergamo’s Atalanta B.C., Madrid’s Atlético de Madrid, and Bern’s BSC Young Boys.
 
In 2020, the company claimed to have more than 430,000 active clients and processed order flow exceeding US$1.7 trillion. As Plus500 is a public company, these numbers are likely to be authentic.

Plus500 Controversy

Although we do not suggest any malicious intent, it’s worth noting Plus500 has faced disciplinary actions from regulators. Specifically:
  1.  In 2012, the UK’s FCA fined Plus500 over £200,000 (NZ$385,000) for failing to report transactions accurately.
  2. In 2015, the Plus500UK was ordered to freeze all accounts while the FCA investigated concerns related to anti-money-laundering controls. A number of clients of the UK entity were locked out of their accounts for two months, leaving them unable to trade or withdraw money.
  3. In 2017, Plus500 was denied authorisation from the Bulgarian Financial Services Commission. The company’s Bulgarian subsidiary employs more than 150 people in Sofia. Although the reason for the denial is unknown, it did not affect the company as it already had EU-wide passporting rights.
  4. In 2019, it was revealed that Plus500 misled shareholders by failing to declare an £80m (NZ$155m) loss in 2017, admitting that it was a ‘drafting error’.
  5. In 2020, a proposal to pay bonuses of almost US$2m (NZ$2.76m) each to the company's CEO and CFO were withdrawn following shareholder concerns. 

Plus500 Review NZ

Plus500 Platform Features

Important: One of the novel features of Plus500 is that the broker doesn’t offer MetaTrader 4, nor any of the other most popular forex trading platforms, such as cTrader or MT5. Plus500 is in an exclusive club of forex and CFD brokers with an in-house designed and developed proprietary trading platform.
 
Plus500 is commonly recommended for learners or beginners as the trading platform has a minimalist design, making it easier to grasp the main functions.

Application and Use:
  • The platform is available to install as a native application on the Windows operating system or a web application to access via popular web browsers, such as Chrome, Firefox or Safari, or on your mobile device as an iOS or Android application. The style and layout are consistent across devices, making it straightforward to switch. 
  • Unlike many other leading online trading platforms, the Plus500 trading platform has gone for a simplistic approach. The platform is uncluttered, thus making it easier to find the core functions. The interface lacks customisation options, making it somewhat of a one-size-fits-all solution. In many cases, less-is-more, no criticisms are being made towards this simplicity of this trading application.
Know This First - The primary features offered by Plus500:
  1. Open and close positions using a combination of market, stop and limit orders. You can use a market order to open or close a position immediately, or use a stop or limit order to strategically open a position at a predetermined entry price or protect an open position by limiting losses with a stop loss (stop order) or exit at a profitable level using a take profit (limit order).
  2. Guaranteed Stop Orders are available. Unlike a standard stop loss order, which can be subject to slippage, a Guaranteed Stop Order ensures the stop loss will not be filled at a worse price. There is an additional charge to use this order method, and it depends on the market conditions when you enter the position. When setting the order, you must meet the minimum and maximum distance requirements. Guaranteed Stop Orders cannot be applied retrospectively.
  3. A Trailing Stop Order, also known as a trailing stop loss, is available to protect profits without limiting upside. A Trailing Stop Order follows the market price by a fixed distance. For example, if your position is in profit by 10 pips and your trailing stop loss is set to follow by 5 pips, if the market moves in your favour by 2 pips, the platform will reposition the trailing stop loss at 7 pips. If the market retracts by 5 pips, it will hit the trailing stop loss and close the position profitably.
  4. A notifications service can keep you informed of any trading events happening while you’re not at your screen. The notifications service can be configured to send either an email, SMS or push notification on your mobile device. You can use the notifications to know when a position is opened or closed on the account, which can help monitor pending orders like stop losses and take profits.
  5. News and reporting - inside the trading applications, you can observe upcoming economic events and earnings schedules inside the trading applications, provided by Dow Jones.

Plus500 Instruments

Plus500 Trading Instruments

Plus500 is a CFD broker. All products listed on the companies website are contracts for difference. The nature of a CFD means all positions are settled in cash, and there is never an opportunity to take physical delivery of the underlying instrument. 

Forex
Plus500 offers more than 70 foreign exchange currency pairs; it doesn’t mean there are 70 different currencies available to trade, as each one currency can appear in multiple pairs. Consider the following six currency pairs consist of just four currencies: EUR/USD, GBP/USD, EUR/GBP, NZD/USD, EUR/NZD, GBP/NZD.

Indices
You can trade 26 stock market and sector indices. From the stock market indices, you can expect to see the usual listings, such as the Dow Jones 30, S&P 500, ASX 200, and Nikkei 225. There is the Crypto 10 index, FANG+ index and Real Estate Giants Index in the sector indices category.

Commodities
The range of commodities consists of everything from Brent & WTI, gold & silver, coffee & cacao, and hogs & cattle. In total, there are 23 commodities.

Cryptocurrencies
You can trade 6 different cryptocurrencies against the US dollar with Plus500 and Ethereum versus Bitcoin. Unlike the other asset classes listed on the Plus500 platform, the cryptocurrency products are tradable 24/7. Don’t forget; you’re not buying cryptocurrencies from Plus500; you’re just holding a position. Read our guide on how to buy Bitcoin in New Zealand to know more about popular methods to buy cryptocurrencies.

Shares & ETFs
Plus500 lists almost 2,000 shares and ETFs from major exchanges around the world. When you trade shares using leveraged CFDs you’ll pay overnight fees for each day you hold the position open. The overnight fees can be far greater than the custody fees you’ll pay a stockbroker. Although it can feel like you’re investing in shares, keep in mind that CFDs are derivatives, and you do not own any stocks of the companies you trade.

Options
Options are derivatives that are traded on exchanges, like the Chicago Board of Options Trading (CBOT); Plus500 offers CFDs of options. Essentially meaning they offer derivatives of derivatives. When trading options CFDs, you’re speculating on the price of the underlying option, which is not only related to the option contracts strike price, but the remaining duration of the underlying options contract. Options CFDs are available for various markets.

​Plus500 Leverage
Since the 29th of March 2021, Plus500 and all other Australian licensed forex and CFD brokers have to comply with the commission’s Product Intervention Order - Contracts For Difference (Instrument 2020/986). 

The order states brokers must restrict CFD leverage offered to retail clients to a maximum ratio of:
  • 30:1 for CFDs referencing an exchange rate for a major currency pair
  • 20:1 for CFDs referencing an exchange rate for a minor currency pair, gold or a major stock market index
  • 10:1  for CFDs referencing a commodity (other than gold) or a minor stock market index
  • 2:1 for CFDs referencing crypto-assets
  • 5:1 for CFDs referencing shares or other assets

Hence, the above bullet points from the product intervention order are the highest amount of leverage Plus500 offers to its retail customers.

Plus500 Review NZ

​Costs to Trade with Plus500

Plus500 does not charge commissions but charges fees by increasing the ask (buy) price and lowering the bid (sell) price, ultimately increasing the spread. Besides the spread, other fees are involved when trading with Plus500, such as an overnight fee, conversion fee, and an inactivity fee.

1. Spreads
The spreads charged by Plus500 vary according to the product and are expressed as a per cent. For example, the spread on the USA 500 (S&P500) index is defined as 0.02%. If the ask (buy) price is 3808.1, it implies the bid (sell) price will be 0.7 pips lower, making the quote 3807.4. Naturally, these prices are rounded up or down.
 
The spreads charged by Plus500 vary significantly. Here are some examples:
  • Crude oil (WTI/USD) spreads are 0.1%, which equals approximately 6 pips and is the equivalent of US$0.06
  • Amazon ($AMZN) shares spreads are 0.75%, which equals approximately 23.2 pips and is the equivalent of US$23.20
  • NZD/USD spreads are 0.03%, which equals approximately 2.2 pips and is the equivalent of US$22.00
  • AUD/NZD spreads are 0.02%, which equals approximately 2.5 pips and is the equivalent of NZ$25.00
 
Keep in mind that these examples are solely intended to illustrate how spreads are calculated. Since spreads are dynamic, they change according to the value of an asset. The higher the value, the larger the spread becomes.

2. Share trading commission
When you trade shares as CFDs with Plus500, there is a commission charged in addition to the spread. The share trading commission varies depending on the underlying exchange. There is a fixed minimum fee for each trade. If the trade is above a certain size, then a percentage of the order value will be charged instead.
 
For example, if you trade US stocks, there is a minimum fee of US$9 per trade and a commission of 0.09%. The fee is charged once when the position is opened and again when the position is closed. Supposing you trade 1 share of Amazon ($AMZN) and the current market price is US$3,000, the commission would be US$2.70; therefore, the minimum fee of US$9 will be charged.

3. Overnight Fee
The Overnight Fee charged by Plus500 is sometimes known as a swap fee or rollover fee. This fee is calculated as a percentage of the position’s value at 5 pm New York time, which is 11 am Wellington time. The Overnight Fee listed in the symbol information panel inside the trading app. It’s worth paying attention to this fee as it varies depending on the product.

4. Conversion Fee
A Conversion Fee of 0.7% is charged when trading instruments where the base currency (the currency or asset on the left) is different from your trading account currency. For example, if your trading account balance is denominated in NZD and you place a trade for AUD/USD, a conversion takes place, and the fee will be applied.
 
Unlike the Overnight Fee described above, the Conversion Fee is applied to the contract’s settlement value and not the notional value. For example, if you close a trade with a profit of AU$50, a fee of 0.7% will be subtracted from the AUD value before converting to NZD.
 
The fee is calculated based on any profit or loss, commissions, and Overnight Fees. The logic behind this fee is your gains or losses, and fees are calculated in Australian dollars; therefore, they must be converted to NZD.
 
Supposing you trade AUD/USD and make a net profit of AU$50 and the AUD/NZD rate is 1.06, the calculation would be as follows:
 
AU$50 - 0.7% = AU$49.65 *1.06 = NZ$52.63

5. Inactivity Fee
An Inactivity Fee of US$10 per month is charged if you do not sign in to your Plus500 trading account for longer than three months. After three months of inactivity, Plus500 will charge the fee each month until you sign into the account, reset the clock. To prevent the fee from being charged, you do not need to place any trades; all you need to do is sign in. If you do not log in, the fee will continue to be charged until the account balance is depleted.

Plus500 Review NZ

Getting Started with Plus500

Getting familiar with Plus500 is the best way to avoid problems, and starting with a demo account means your money is safe. Our view is simple - practice with the tools with a demo account until you are more than confident to progress to real money. MoneyHub has received emails from users who complains about losing $5,000, $10,000 (and more) while using CFD platforms, and these losses were usually incurred in very short periods of time. You can limit the chances of losses by practicing without putting your capital at risk.

1. Opening a Demo Account

​You can effortlessly open a Plus500 demo trading account on the Plus500 website. If you have Google, Facebook or Apple ID, you can open the demo account with a couple of clicks. There is no restriction on how long you can use your Plus500 demo account, and if things don’t go well while demo trading, the account automatically replenishes the balance when it falls below a certain level.

2. Opening a Live Account

​To apply for a live trading account with Plus500, you should expect to provide evidence of your identity and place of residence. The account opening process is standardised across the industry as brokers follow the same anti-money-laundering rules.
 
The broker may perform enhanced due diligence in situations when they have doubts concerning the details you provided. Also, consider whether they may require you to share proof of your source of funds. This may be asked if you deposit an unusually large amount of money or send funds from a joint bank account.

3. Funding your Trading Account

Plus500 supports three types of account funding methods: bank transfer, credit/debit cards and e-wallets. The company will cover all payment processing fees for all supported methods, but they do not cover fees charged by your bank or card provider. For example, if you use an NZD credit card to deposit USD or wire transfer USD to an NZD bank account, your card issuer or the receiving bank account will be responsible for the conversion.

Bonuses & Rebates

Previously, Plus500 offered bonuses and rebates to reward, even encourage clients to trade. In March 2021, ASIC introduced sweeping product intervention measures prohibiting brokers from offering incentives to traders. Although Plus500 is licensed by the FSP in New Zealand, where no such prohibitions exist, the company is incorporated in Australia and must follow Australian laws on such matters. 

Formerly, Plus500 offered a bonus when you made your first deposit. The bonus worked like a credit that you can use to trade with but could not be withdrawn until a criterion was met. The minimum you needed to deposit to qualify for the bonus was NZ$400 to get a bonus of NZ$100. The more you deposited, the larger the bonus given. Each bonus tier had an amount of ‘Trader Points’ required to convert the bonus into balance. Every time you trade, you earn these ‘Trader Points’. Once you accumulate enough points, your bonus could be withdrawn, assuming you did not lose it while trading. Rebates were another incentive offered by Plus500. Each time you placed a trade, you could earn rebates.

Regulators are phasing out these types of incentives. The concern is they encourage traders to enter positions when there is not a suitable opportunity in the market. Ultimately, your aim as a trader should be profitable at trading, not be rewarded by promotions.

Plus500 Review NZ

Plus500 Frequently Asked Questions

​Does Plus500 offer MetaTrader 4?

No, Plus500 does not offer MetaTrader 4. The company only provides a proprietary platform, available exclusively from Plus500. CMC Markets, an alternative platform, offers MetaTrader 4 - our review covers this platform in detail.

What is the minimum deposit to trade with Plus500?

The minimum deposit to open a Plus500 live account is NZ$100. ​Keep in mind that effective risk management strategies may require more than the minimum requirement.

Can I buy shares from Plus500?

No. Plus500 is a CFD broker, which means your trading derivatives of the financial markets they offer. When you close a CFD position in shares, the profit or loss will be settled in cash. There is no ability to buy or invest in stocks with this broker. If you’re looking to invest in shares, read our beginners guide on how to invest in shares.

​What is the maximum leverage available from Plus500?

Due to new regulations introduced by the Australian Securities and Exchange Commission in 2021, Plus500 is limited to how much leverage may be provided to retail traders. The limit is 1:30 on major forex pairs and even lower on other products. 

Can I open a professional account with Plus500?

Yes. Opening a professional trading account with Plus500 will allow you to forgo the leverage restrictions. To be considered a professional client, you’ll need to have either net assets of at least AU$2.5 mln or have a gross income for each of the last two financial years of at least AU$250,000. 

Is Plus500 licensed in Australia or New Zealand?

Both. Plus500AU Pty Ltd is an Australian company licensed and authorised by ASIC and licensed as a Derivatives Issuer by the FMA. 

What is the minimum order size with Plus500?

If you’re trading forex, the smallest order size is 0.01 lots, also known as a micro lot. Consider that one lot of NZD/USD is 100,000 units; the minimum order size is NZ$1,000. Other instruments like stocks have a minimum order size of 1 unit.

Related Guides
  • CFDs
  • CMC Markets Review
  • Blackbull Markets Review
  • IG Review
  • Plus 500 vs CMC Markets vs Blackbull Markets vs IG Review
  • ​Forex Trading
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
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        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • RewardPay Review
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    • Guides
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  • Travel Money Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Alternative Mortgage Options
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      • What To Do if You Bought a House at the Peak of the New Zealand Market
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      • Remortgaging Guide
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Selling a Home
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    • Building a House
      • NZCB Review
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  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
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      • KiwiSaver Must-Know Facts
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      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business
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    • Business Insurance
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    • Business Calculators & Resources
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    • Online Services
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    • For Startups
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  • MSD
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  • Motoring
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      • Turners Cars Review
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • AA Membership Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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  • Law
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Apple Watch Buying Guide
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    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • Orcon Broadband Review
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      • Skinny Review
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      • Starlink Review
      • Voyager Broadband Review
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  • Power
    • Compare Power Companies
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    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
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      • Genesis Energy Review
      • Globug Review
      • Mercury Review
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      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
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    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
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      • Stealth Wealth
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      • Dental Costs
      • Charities in New Zealand
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    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
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      • How to Maximise Income in Retirement
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      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
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      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
        • Countdown Christmas Club Vouchers
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
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    • Living Essentials
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