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
      • 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
      • 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
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  • Banking & Savings
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  • KiwiSaver
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  • Mobile & SIM
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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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Compare Power Companies - Fixed & Open Terms

Our trusted guide lets you compare electricity prices with confidence and find the best electricity company for your home in minutes. We compare standard rates from Genesis Energy, Contact Energy, Meridian Energy, Electric Kiwi, Flick Electric and more, ensuring full coverage of major New Zealand cities.
Compare Power Companies
Updated 4 June 2025 

Summary
  • Our guide is the first of its kind to compare power companies and outline a three-step process to get the best deal. Electricity prices are, for the most part, very difficult to compare. Some plans are fixed, some are variable and existing comparison sites sometimes don't make the distinction. Many retailers don't make it easy to understand either, making it hard to know which plan and company offers the best value.
  • As this video outlines, you can enter the same information into four different price comparison tools and get four very different results. Many ask for personal details as well. Our purpose here is to bring clarity and help you make an informed choice. It goes without saying that we never collect personal details on our site either.
  • We believe the laws around electricity pricing are deficient, given the inconsistent pricing, plans, offers, bonuses and even the application of GST and levies.
  • As such, our research team has taken the view that comparing providers is, for most people, difficult, convoluted and unfair. To help bring clarity, we have sought the assistance of energy generators, regulatory bodies and leading pricing experts to help us publish this comparison.
  • Our guide gives you the confidence to switch to the best provider by making an informed decision. Best of all, you will know exactly what you're paying because you pre-confirm your rates before signing up. While most plans are variable (meaning prices can change if and when your provider notifies you), we've also highlighted fixed-term plans.
  • We continue to update and enhance this guide, If you have any comments, please email our power research team.
  • Please note, power prices are currently volatile - please compare extensively as things are changing near-daily. 
  • Advertising Disclaimer: MoneyHub may earn a referral bonus for anyone that’s approved through some of the below links. Our research and findings are independent of any power company as all data is based on unit prices, daily charges and discounts applied. Please see our Advertising Policy for more details about how we make money.

Know This: There are so many electricity tools - why have we published this guide?
  1. We have published this guide in response to our concern with comparison tools which, for better or worse, tend to produce different results depending on what website you used.
  2. In some cases, only a handful of different providers are 'compared' when, in fact, there are more than ten offering their services.
  3. Our guide has been developed to do better and put you first with the most complete information. However, as always, the best approach is for you to compare your existing provider with leading power companies who give New Zealanders a fairer deal.

Our guide allows you to contact an electricity company as an informed consumer. Specifically:
  1. We want you to understand how pricing works - "daily rates" and "kWh unit charges" vary between cities and regions; we compare providers in major cities all over New Zealand.
  2. You'll know the prices for your area (or how to get them), so you can switch or join with confidence that you'll be saving money every month. We estimate that the average home can save between $100 and $1,000+ a year on power (depending on the number of people living at the property and how much electricity is used).
  3. We believe the best way to save money is to switch to the best-value provider and continue to compare annually (or whenever your contract ends if you're on a fixed-term contract) to ensure you're not overpaying.

Our guide covers:
  1. Understanding Your Power Bill and How Electricity is Priced
  2. Our Power Company Comparison (and how to get the best deal)
  3. Electricity Bills - Frequently Asked Questions​
Compare Power Providers

MoneyHub Founder Christopher Walsh shares his views on power pricing and comparisons:

"In a recent  Stuff.co.nz column, I said that electricity comparisons can be complicated. Many MoneyHub users have asked us about which electricity provider is the cheapest. The answer isn't simple – it depends on where you live and whether you're a low or standard user. But even then, there are many ways the industry makes it near-impossible to compare like for like". 

"There is a lot of confusion and misunderstanding; several comparison websites exist, but even with the same address and usage details, you can end up getting different results. Power companies don't make understanding their prices easy either, and it's hard to look at dollars and cents and compare without understanding typical usages. When we research and update our power guides, there is a tremendous amount of work, which we don't believe the average New Zealander can be expected to make when choosing a provider".

"Power companies know it's complicated. We believe hundreds of thousands of New Zealand households are paying a 'loyalty penalty' by staying with their existing power company. As the media has reported, there is a two-tier pricing system operating in New Zealand – those who compare, switch and save, and those who stay loyal and overpay. We believe that's unfair, and a lack of government regulation or oversight means price rises can outpace inflation. And, as we know, it is getting more expensive (as this report suggests)".

"We have received complaints from everyday New Zealanders who have overpaid, found a better offer and notified their long-standing retailer they will switch, only to be offered huge ongoing discounts to keep them as a customer. We don't think that's fair either, but this may be an option once you've compared the market. I have made sure that our tools and reports will help you make an informed decision".
MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh


We have summarised this guide in an easy-to-follow video:

Know This First: Electricity in New Zealand - Why Does it Cost So Much?

New Zealand is unique in that it relies heavily on natural energy for power; hydroelectric plants generate around 60% of our power. Combine the need for healthy lake levels with year-round extreme weather patterns (droughts, snow, floods) and the long-term issue of poorly insulated housing, and energy demand presents huge spikes.  

Specifically, when we need power, we all need it at the same time. This causes the electricity price that power companies pay to the generators to jump up and down on any given week, depending on the weather conditions. The end result is that many people overpay for electricity when lower prices can easily be found.

Government data suggests electricity prices barely increase year on year but we know this is not the case. And as electricity is an indistinguishable service, we believe a trusted power provider with the lowest rates should, all other things being equal, offer the best deal.

Save Money and Be Fully Informed
  • Our suggested next steps are simple – compare your pricing and don’t be loyal or lazy unless you've verified that you're on the best deal. Our research below looks at Auckland, Wellington, Christchurch, Dunedin and Hamilton to help make sense of the current pricing and offers. We believe that by switching you can save hundreds of dollars per year.

Compare Power with Confidence: Download our power comparison spreadsheet here; our video explains how it works and why it provides a useful starting point to saving you money.

Understanding How Electricity is Priced and Making Sense of Your Power Bill

1. Understanding How Electricity is Priced and Making Sense of Your Power Bill

To make sense of your power bill, it's essential to know the facts:
  1. Your power bill is made up of two elements; a fixed daily charge and a variable charge. Only the "variable" portion takes into account the total amount of energy (kWh) that your household consumes in a month.
  2. The variable charge rate varies significantly depending on the type of plan you have (low user or standard user). Low users pay a higher variable rate, whereas standard users pay a lower variable rate. 
  3. The fixed daily charge also varies from low users to standard users. By law, low users pay between 60 to 120 cents  + GST per day (this charge used to be 30 cents per day prior to April 2022). Standard users pay more (and how much that is, depends on where they live in New Zealand).
​
How Energy Companies Charge You:
  1. Daily Charge: Many retailers charge a daily fee to be a customer for being connected to the service. This is usually somewhere between 60 cents and $2.00.
  2. Unit Charge (kWh): This is the cost per kWh used, and is usually anywhere from $0.15 to $0.25. For example, a 1,000-watt fan heater needs 1,000 watts (1 kW) of power to make it work, and uses 1 kWh of energy in an hour. If you turned on this heater for an hour, you would be charged the kWh fee. And even if you are not using an appliance, you can still be charged. For example, if you leave a TV or computer on standby, it is still using power and creating a kWh cost on your energy bill.
  3. Electricity Authority (EA) Levy: The EA charges a small fee per kWh consumed to fund its role in regulating the electricity market.
  4. GST - GST is added to the total costs of 1-3 above.

A power bill is made up of more than just power:
​​To start saving on your power bill, the first step is understanding the elements that make up the cost of electricity in New Zealand. Below is a simplified version of how the money you pay is distributed on the electricity bill:
  • 32% - Is for generating the electricity you use (mostly, renewable sources)
  • 27% - Is used for distributing the electricity (commercial and residential power lines repair, and maintenance)
  • 13% - Goes for the retail company (the operator that sends you the bill)
  • 15% - GST (Goods and Services Tax)
  • 10.5% - Is used for expanding and maintaining the national power grid; this is also known as transmission costs
  • 3.5% - Has to do with the cost of reading and maintaining electricity meters nationwide
  • 0.5% - Goes toward regulation of the electricity industry (i.e. costs of running the Electricity Authority)
  • 0.5% - Goes toward the operating costs of the organizations that manage the day-to-day running of the electricity market

Know this:
  1. Only 13% of your power bill goes to the retailer. Despite this, the differences in prices charged by retailers continues to be significant as evidenced by our research below. Switching is arguably the only way to save, and the savings can be big.
  2. About 17% of your money goes towards the GST and the cost of maintaining electricity meters. There is literally nothing you can do to cut this cost.
  3. Approximately 70% of the electricity bill goes towards paying for the generation, transmission, and subsequent distribution of the energy you use. Lowering your energy consumption in kilowatts per hour will help save, but we believe switching providers will benefit you if you're with an 'expensive' plan. By switching, you pay less for the same benefit - power in your home.
  4. Regardless of your electricity supplier (retailer), the invoice must explicitly reflect the fixed and variable costs applied. Retailers can use different terms to refer to the same thing. If you have doubts, contact your provider to clarify the type of charge that is being made. With the knowledge gained in this guide, you will have no trouble understanding the operator's explanation.
  5. Total energy consumption in the month (units) is by far the highest of all charges. In other words, you should carefully monitor your kWh usage throughout the year in order to understand how to lower your electricity bill.​
  6. Price Rises are NOT Always Due to Retailer Increases - it’s important to know that every year on or around April 1, lines companies all over New Zealand review their prices. This means that even if your electricity retailer doesn’t increase its own prices, a rise in the lines company fees will mean your power prices may rise.
Compare Power Providers

Understanding your Meter and the Variable Charge

2. Understanding your Meter and the Variable Charge

The type of meter installed in your property will determine what kind of variable charge the electricity company will apply to your bill. There are many types of meters available in New Zealand; below, we describe the most common. The terminology differs between energy companies, but we have grouped equivalent types of meters together.

The main differences tend to be:
  • The energy supplied to your hot water cylinder,
  • Whether the energy company can restrict or control its supply at certain times (controlled),
  • If you have a constant and unrestricted supply to it (uncontrolled) or
  • A combination of both (part controlled).

Most homes would have two separate meters, one controlled (for the hot water, for example) and one uncontrolled (for lighting and power points).

The types of meter are known as follows:

1. Controlled meter (also called Economy)
  • This rate is for the controlled supply of electricity to selected appliances that are permanently wired to a separate meter.
  • This means that the electricity supply for a hot water cylinder, heat pump or floor heating (for example) can be turned off during peak times for an allocated period determined by the network company.
  • The energy is charged at a lower rate than on an uncontrolled meter. The controlled plans usually cover periods from 11pm to around 7am, where the power is charged at this rate.

2. Uncontrolled meter (also called Anytime, 24 hour)
  • This type of meter provides a constant and unrestricted supply of energy to your appliances at the same price 24 hours a day. The rate is higher than that of a controlled meter and is not “controlled” by the energy company.
  • This meter is used to supply the primary house connection to power appliances, power points and lighting.

3. Inclusive meter (also called Composite, All Day Economy, Part controlled) 
  • This meter combines the last two meters in one and charges consumption at a flat rate. One part of the meter provides unrestricted supply 24 hours a day, and the other part is subject to a controlled supply. The rate from this type of meter is lower than from an uncontrolled meter, as the flat rate covers general and controlled usage.

4. Day / Night meters
  • Electricity used during the day is measured separately from electricity used at night. This can benefit people who use at least a third of their power at night.
  • Day and night times may be defined differently by network and region, but generally, the day hours would be 07:00 to 23:00 and night times 23:00 to 07:00. To make the most of the night rate, you could consider having timers set up for appliances you want to run at night. 

5. Other rates
​You might also see electric companies offering additional rates; we describe them briefly below:  
  1. Night only – Energy is charged at a discounted rate and available only at certain hours of the night. Commonly used for hot water cylinders, pumps, underfloor heating and storage heaters
  2. Peak/Off-peak - Energy is charged at a lower rate during off-peak time, shoulder times (not peak or off-peak hours) and throughout the weekend; higher prices are charged at peak times. Energy companies may determine differently what hours are peak and off-peak for them.
  3. Winter/summer – Energy is charged at a higher rate during winter months (May to September) than in summer months (October to April).

Know This: When comparing pricing plans between different electricity companies, you must compare the same type of variable charges so that you’re not comparing apples with oranges. For example, you should compare inclusive rates with inclusive rates, not day/night rates with inclusive rates.
Compare Power Providers

Smart Meters vs Analogue Meters

Smart Meters vs Analogue Meters

  • More than 80% of New Zealand homes now have smart meters installed, and analogue meters are being phased out, but it’s still helpful to know the difference and the benefits of having a smart meter.
  • An analogue meter is a device that measures how much electricity you consume and requires a “meter reader” to visit your property to manually verify how much electricity you’ve used since the last reading was taken. Because these readings are not taken every month, your bill will often be based on an estimate of your consumption. In addition, this meter doesn’t distinguish between peak and off-peak times, so you can’t benefit from cheaper rates.
  • On the other hand, a smart meter records your electricity usage at half-hourly intervals and transmits this information directly to your electricity provider, so your bill is based on your actual consumption and not on estimates. In addition, smart meters record the time when you use energy, so if you’re on a plan with peak and off-peak rates, you can save money by scheduling your devices to run at night or on weekends and take advantage of the cheaper rates.
  • You can find more information about smart meters here.

Our Power Company Comparison (and how to get the best deal)

Our Power Company Comparison (and how to get the best deal)

  • The cheapest energy plan for you depends on where you live and your usage.
  • For our research, we took the average energy consumption per home in Auckland, Hamilton, Wellington, Christchurch, Hamilton and Dunedin as reported by the EA for 2021.
  • Using a specific annual kWh per city for Standard users, we obtained online quotes for 20+ plans from 10+ power companies. 
  • We ranked their current prices at the time of research, from lowest to highest, taking into account discounts and sign-up bonuses.
  • For our sample, we considered addresses with inclusive meters installed as we thought this would be a good indication of the energy company’s overall rates.
  • Some plans are fixed, some are variable; existing comparison sites don't make the distinction but we believe it's essential to do so.
  • We have only included discounts with a specific monetary value (sign up bonuses, discounts, etc.) but we have not included free hours of power, as the savings derived from these would depend on the particular consumer.
  • We have indicated which discounts have been applied to the annual amounts shown on our price comparison.


Important Note Regarding Power Company Pricing
For various reasons, some power companies are no longer included in our comparisons. This includes, but is not limited to, Ecotricity and Nova which were excluded based on the historical performance of higher-than-average pricing, and Frank has chosen to withdraw their pricing for commercial reasons.

To ensure you receive the most accurate and up-to-date pricing, we encourage you to visit the websites of these companies directly for quotes:
  • Mercury
  • Globug
  • Ecotricity
  • Nova Energy
  • Frank Energy

We encourage you to obtain quotes from multiple providers to find the best deal for your needs.

Get Quotes using our direct-to-price links, exclusively on MoneyHub:

  • We don't believe in hiding numbers, calculations or making power comparison any more complicated than it already is. We want to simplify power prices and are the only online authority to disclose how we calculate prices.
  • Our video below explains how our methodology works - please don't fear the complexity because our research team has made it effortless to use. Our transparent methodology drives the tables for Auckland, Hamilton, Wellington, Christchurch, Hamilton and Dunedin below for standard users with inclusive meters installed. Please note, if you have a different meter setup you may get a different result.
  • Compare Power with Confidence: Download our power comparison spreadsheet here; our video explains how it works and why it provides a useful starting point to saving you money. We update our spreadsheet after the months of April and October with the latest prices.
  • We want you to get fast quotes that let you compare accurately so you can sign up with a power provider that offers you the best deal. The pricing can be found below:
  • Contact
  • Meridian
  • Flick
  • Mercury
  • Powershop
  • Globug​
  • Electric Kiwi
  • Ecotricity
  • Genesis
  • Nova
  • Pulse Energy
  • Slingshot
  • Octopus

Our video below explains our process and calculations, providing a useful starting point to saving you money:

MoneyHub Founder Christopher Walsh explains how our comparisons compare like for like and see through high prices with 'bonuses':

"Our power guide and price comparison is unique in that it compares the overall costs of rates and special deals so you can compare apples with apples. Many companies offer freebies and promos to get you to switch to their service, but the actual price of your electricity bill can cost you more in the long run.

For example, a company offering a $150 joining fee may be $300 more expensive over 6 months compared to picking a leading provider. This means you would pay $150 more, hidden in the extra fees and higher per-unit costs. For this reason, we remind every New Zealand to be very cautious when a company offers you free appliances, joining credits, free hours of power or night power etc.; there is no such thing as free - someone's paying for it, and with the wrong deal, it's probably you.

And when it comes to bundling, we are very cautious of the savings - in many cases, you'll pay more, as our dedicated guide explains.

Our pricing tables below highlight the best providers with methodology that's transparent and you can repeat yourself and make an informed choice".

MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh


Cheapest Energy Companies in Auckland

Standard Users
  • The Table below lists Power Companies ranked in order of Standard User Plans in Auckland
  • Rates valid as of October 2024, based on an inclusive meter and an annual consumption of 9,108 kWh.
  • The annual charge estimate includes GST.
  • Please know those power companies that offer open plans (i.e. not fixed-term contracts) can change the prices later and will give (at least) 30 days' notice (by email usually) of such price changes. They can go up and down.
  • Given power prices (daily and unit) change a little from time to time, our research team will next update this guide in October 2024. Our focus is to make you aware of the range in prices and plans and help you decide what's right for you, and make the easy moves to switch.
  • Please note the prices below excludes special MoneyHub discounts, specifically the leading Genesis fixed-term discounts (activated when you insert 'MoneyHub' in the Genesis partner name to validate the discount).
  • Please note, you don't need to be moving homes to get the discount - Genesis welcomes customers who want to switch and save on power, month after month.
  • For our analysis, we have included plans that are aimed at EV owners but do not actually require you to own an Electric Vehicle. We consider these plans might be useful to anyone willing to shift some of their energy consumption to the night-time.
Plan TypeEnergy Provider and PlanAnnual Charge estimateContract - Fixed Term or Open?Discount ID
Regular power planPowershop (Standard)$2,872.02OpenDISC-08
Regular power planMeridian No Fixed Term (Standard)$3,083.20OpenDISC-10
Regular power planGenesis Fixed (Standard)$3,097.13FixedDISC-03
Regular power planFlick Energy Flat (Standard)$3,250.28Open.
Regular power planContact Basic Plan (Standard)$3,476.29Open.
EV planContact EV - Good Charge (Standard)$3,498.73Open.
Regular power planOctopus Flexi (Standard)$3,688.42Open.
Regular power planOctopus Peaker (Standard)$3,688.42Open.
Regular power planElectric Kiwi - MoveMaster (Standard)$3,902.64Open.
Regular power planElectric Kiwi - Kiwi (Standard)$4,171.89Open.
Regular power planFlick Energy Off Peak (Standard)$7,291.12Open.
Important:
  • Please be aware that the sign-up bonuses are one-off discounts. Any credit publicly available has been applied in year one. However, the credit will not be applied in the second year. This means the estimated pricing in the above table is valid only for 12 months.
  • At the time of writing, Z's Fuel back home plan was offering 5 litres of fuel per $100 of spend on their energy plan. We haven't priced the litres of fuel as the value would depend on what type of fuel is selected, the options are: 91 Unleaded, 95 Premium and Diesel. However, we see this is a significant benefit and makes Z's plan very cost-effective for vehicle owners.  Please note this offer is subject to change.
  • For further information on how this plan works, read our dedicated review for Z Energy

Discounts:
  • Please note the prices exclude all discounts promoted by third-party power-switching websites.

The following discounts have already been applied to the annual charge estimate figure shown on the table above:
  • DISC-03: 2% Direct Debit, 1%eBilling, 3% fixed term, 12 month sign up, free Power Shout hours
  • DISC-08: $150 credit for new customers upon online signup, or 12 weekends of free power
  • DISC-10: $10 monthly credit, variable rates during the year, open contract


Cheapest Energy Companies in Hamilton

Standard Users
  • The Table below lists Power Companies ranked in order of Standard User Plans in Hamilton.
  • Rates valid as of October 2024, based on an inclusive meter and an annual consumption of 8,900 kWh.
  • The annual charge estimate includes GST.
  • Please know those power companies that offer open plans (i.e. not fixed-term contracts) can change the prices later and will give (at least) 30 days' notice (by email usually) of such price changes. They can go up and down.
  • Given power prices (daily and unit) change a little from time to time, our research team will next update this guide in October 2024. Our focus is to make you aware of the range in prices and plans and help you decide what's right for you, and make the easy moves to switch.
  • Please note the prices below excludes special MoneyHub discounts, specifically the leading Genesis fixed-term discounts (activated when you insert 'MoneyHub' in the Genesis partner name to validate the discount).
  • Please note, you don't need to be moving homes to get the discount - Genesis welcomes customers who want to switch and save on power, month after month.

  • For our analysis, we have included plans that are aimed at EV owners but do not actually require you to own an Electric Vehicle. We consider these plans might be useful to anyone willing to shift some of their energy consumption to the night-time.
Plan TypeEnergy Provider and PlanAnnual Charge estimateContract - Fixed Term or Open?Discount ID
Regular power planContact Basic Plan (Standard)$2,805.07Open.
Regular power planPowershop (Standard)$3,086.64OpenDISC-08
Regular power planMeridian No Fixed Term (Standard)$3,139.41OpenDISC-10
Regular power planFlick Energy Flat (Standard)$3,311.55Open.
Regular power planFlick Energy Off Peak (Standard)$3,317.79Open.
Regular power planGenesis Fixed (Standard)$3,388.84FixedDISC-03
Regular power planOctopus Flexi (Standard)$3,461.31Open.
Regular power planOctopus Peaker (Standard)$3,461.31Open.
EV planContact EV - Good Charge (Standard)$3,638.02Open.
Regular power planElectric Kiwi - MoveMaster (Standard)$3,848.97Open.
Regular power planElectric Kiwi - Kiwi (Standard)$4,183.75Open.
Important:
  • Please be aware that the sign-up bonuses are one-off discounts. Any credit publicly available has been applied in year one. However, the credit will not be applied in the second year. This means the estimated pricing in the above table is valid only for 12 months.
  • At the time of writing, Z's Fuel back home plan was offering 5 litres of fuel per $100 of spend on their energy plan. We haven't priced the litres of fuel as the value would depend on what type of fuel is selected, the options are: 91 Unleaded, 95 Premium and Diesel. However, we see this is a significant benefit and makes Z's plan very cost-effective for vehicle owners.  Please note this offer is subject to change.
  • For further information on how this plan works, read our dedicated review for Z Energy

Discounts:
  • Please note the prices exclude all discounts promoted by third-party power-switching websites.

The following discounts have already been applied to the annual charge estimate figure shown on the table above:
  • DISC-03: 2% Direct Debit, 1%eBilling, 3% fixed term, 12 month sign up, free Power Shout hours
  • DISC-08: $150 credit for new customers upon online signup, or 12 weekends of free power
  • DISC-10: $10 monthly credit, variable rates during the year, open contract

Cheapest Energy Companies in Wellington

Standard Users
  • The Table below lists Power Companies ranked in order of Standard User Plans in Wellington.
  • Rates valid as of October 2024, based on an inclusive meter and an annual consumption of 9,094 kWh.
  • The annual charge estimate includes GST.
  • Please know those power companies that offer open plans (i.e. not fixed-term contracts) can change the prices later and will give (at least) 30 days' notice (by email usually) of such price changes. They can go up and down.
  • Given power prices (daily and unit) change a little from time to time, our research team will next update this guide in October 2024. Our focus is to make you aware of the range in prices and plans and help you decide what's right for you, and make the easy moves to switch.
  • Please note the prices below excludes special MoneyHub discounts, specifically the leading Genesis fixed-term discounts (activated when you insert 'MoneyHub' in the Genesis partner name to validate the discount).
  • Please note, you don't need to be moving homes to get the discount - Genesis welcomes customers who want to switch and save on power, month after month.

  • For our analysis, we have included plans that are aimed at EV owners but do not actually require you to own an Electric Vehicle. We consider these plans might be useful to anyone willing to shift some of their energy consumption to the night-time.
Plan TypeEnergy Provider and PlanAnnual Charge estimateContract - Fixed Term or Open?Discount ID
Regular power planPowershop (Standard)$2,605.86OpenDISC-08
Regular power planMeridian No Fixed Term (Standard)$2,783.63OpenDISC-10
Regular power planGenesis Fixed (Standard)$2,932.25FixedDISC-03
Regular power planFlick Energy Flat (Standard)$2,949.32Open.
Regular power planFlick Energy Off Peak (Standard)$2,953.41Open.
Regular power planContact Basic Plan (Standard)$3,210.78Open.
Regular power planOctopus Flexi (Standard)$3,323.12Open.
Regular power planOctopus Peaker (Standard)$3,323.12Open.
EV planContact EV - Good Charge (Standard)$3,448.50Open.
Regular power planElectric Kiwi - MoveMaster (Standard)$3,589.45Open.
Regular power planElectric Kiwi - Kiwi (Standard)$4,178.01Open.
Important:
  • Please be aware that the sign-up bonuses are one-off discounts. Any credit publicly available has been applied in year one. However, the credit will not be applied in the second year. This means the estimated pricing in the above table is valid only for 12 months.
  • At the time of writing, Z's Fuel back home plan was offering 5 litres of fuel per $100 of spend on their energy plan. We haven't priced the litres of fuel as the value would depend on what type of fuel is selected, the options are: 91 Unleaded, 95 Premium and Diesel. However, we see this is a significant benefit and makes Z's plan very cost-effective for vehicle owners.  Please note this offer is subject to change.
  • For further information on how this plan works, read our dedicated review for Z Energy

Discounts:
  • Please note we have excluded all discounts promoted by third-party power-switching websites.

The following discounts have already been applied to the annual charge estimate figure shown on the table above:
  • DISC-03: 2% Direct Debit, 1%eBilling, 3% fixed term, 12 month sign up, free Power Shout hours
  • DISC-08: $150 credit for new customers upon online signup, or 12 weekends of free power
  • DISC-10: $10 monthly credit, variable rates during the year, open contract

Cheapest Energy Companies in Christchurch

Standard Users
  • The Table below lists Power Companies ranked in order of Standard User Plans in Christchurch.
  • Rates valid as of October 2024, based on an inclusive meter and an annual consumption of 10,210 kWh.
  • The annual charge estimate includes GST.
  • Please know those power companies that offer open plans (i.e. not fixed-term contracts) can change the prices later and will give (at least) 30 days' notice (by email usually) of such price changes. They can go up and down.
  • Given power prices (daily and unit) change a little from time to time, our research team will next update this guide in October 2024. Our focus is to make you aware of the range in prices and plans and help you decide what's right for you, and make the easy moves to switch.
  • Please note the prices below excludes special MoneyHub discounts, specifically the leading Genesis fixed-term discounts (activated when you insert 'MoneyHub' in the Genesis partner name to validate the discount).
  • Please note, you don't need to be moving homes to get the discount - Genesis welcomes customers who want to switch and save on power, month after month.

  • For our analysis, we have included plans that are aimed at EV owners but do not actually require you to own an Electric Vehicle. We consider these plans might be useful to anyone willing to shift some of their energy consumption to the night-time.
Plan TypeEnergy Provider and PlanAnnual Charge estimateContract - Fixed Term or Open?Discount ID
Regular power planPowershop (Standard)$2,951.56OpenDISC-08
Regular power planGenesis Fixed (Standard)$3,300.32FixedDISC-03
Regular power planMeridian No Fixed Term (Standard)$3,314.42OpenDISC-10
Regular power planFlick Energy Flat (Standard)$3,399.09Open.
Regular power planFlick Energy Off Peak (Standard)$3,610.65Open.
Regular power planContact Basic Plan (Standard)$3,654.36Open.
Regular power planOctopus Flexi (Standard)$3,675.34Open.
Regular power planOctopus Peaker (Standard)$3,675.34Open.
EV planContact EV - Good Charge (Standard)$3,824.95Open.
Regular power planElectric Kiwi - MoveMaster (Standard)$4,183.67Open.
Regular power planElectric Kiwi - Kiwi (Standard)$4,982.34Open.
Important:
  • Please be aware that the sign-up bonuses are one-off discounts. Any credit publicly available has been applied in year one. However, the credit will not be applied in the second year. This means the estimated pricing in the above table is valid only for 12 months.
  • At the time of writing, Z's Fuel back home plan was offering 5 litres of fuel per $100 of spend on their energy plan. We haven't priced the litres of fuel as the value would depend on what type of fuel is selected, the options are: 91 Unleaded, 95 Premium and Diesel. However, we see this is a significant benefit and makes Z's plan very cost-effective for vehicle owners.  Please note this offer is subject to change.
  • For further information on how this plan works, read our dedicated review for Z Energy

Discounts:
  • Please note the prices exclude all discounts promoted by third-party power-switching websites.

The following discounts have already been applied to the annual charge estimate figure shown on the table above:
  • DISC-03: 2% Direct Debit, 1%eBilling, 3% fixed term, 12 month sign up, free Power Shout hours
  • DISC-08: $150 credit for new customers upon online signup, or 12 weekends of free power
  • DISC-10: $10 monthly credit, variable rates during the year, open contract

Cheapest Energy Companies in Dunedin

Standard Users
  • The Table below lists Power Companies ranked in order of Standard User Plans in Dunedin.
  • Rates valid as of October 2024, based on an inclusive meter and an annual consumption of 9,916 kWh.
  • The annual charge estimate includes GST.
  • Please know those power companies that offer open plans (i.e. not fixed-term contracts) can change the prices later and will give (at least) 30 days' notice (by email usually) of such price changes. They can go up and down.
  • Given power prices (daily and unit) change a little from time to time, our research team will next update this guide in October 2024. Our focus is to make you aware of the range in prices and plans and help you decide what's right for you, and make the easy moves to switch.
  • Please note the prices below excludes special MoneyHub discounts, specifically the leading Genesis fixed-term discounts (activated when you insert 'MoneyHub' in the Genesis partner name to validate the discount).
  • Please note, you don't need to be moving homes to get the discount - Genesis welcomes customers who want to switch and save on power, month after month.

  • For our analysis, we have included plans that are aimed at EV owners but do not actually require you to own an Electric Vehicle. We consider these plans might be useful to anyone willing to shift some of their energy consumption to the night-time.
Plan TypeEnergy Provider and PlanAnnual Charge estimateContract - Fixed Term or Open?Discount ID
Regular power planPowershop (Standard)$3,080.59OpenDISC-08
Regular power planGenesis Fixed (Standard)$3,456.18FixedDISC-03
Regular power planMeridian No Fixed Term (Standard)$3,470.09OpenDISC-10
Regular power planFlick Energy Flat (Standard)$3,558.72Open.
Regular power planFlick Energy Off Peak (Standard)$3,567.22Open.
EV planContact EV - Good Charge (Standard)$3,855.50Open
Regular power planContact Basic Plan (Standard)$3,858.40Open.
Regular power planOctopus Flexi (Standard)$4,030.55Open.
Regular power planOctopus Peaker (Standard)$4,030.55Open.
Regular power planElectric Kiwi - MoveMaster (Standard)$4,327.74Open.
Regular power planElectric Kiwi - Kiwi (Standard)$4,458.90Open.
Important:
  • Please be aware that the sign-up bonuses are one-off discounts. Any credit publicly available has been applied in year one. However, the credit will not be applied in the second year. This means the estimated pricing in the above table is valid only for 12 months.
  • At the time of writing, Z's Fuel back home plan was offering 5 litres of fuel per $100 of spend on their energy plan. We haven't priced the litres of fuel as the value would depend on what type of fuel is selected, the options are: 91 Unleaded, 95 Premium and Diesel. However, we see this is a significant benefit and makes Z's plan very cost-effective for vehicle owners.  Please note this offer is subject to change.
  • For further information on how this plan works, read our dedicated review for Z Energy

Discounts:
  • Please note the prices exclude all discounts promoted by third-party power-switching websites.

The following discounts have already been applied to the annual charge estimate figure shown on the table above:
  • DISC-03: 2% Direct Debit, 1%eBilling, 3% fixed term, 12 month sign up, free Power Shout hours
  • DISC-08: $150 credit for new customers upon online signup, or 12 weekends of free power
  • DISC-10: $10 monthly credit, variable rates during the year, open contract

Disclaimers:
  1. Our intention is to help you make an informed decision. No savings are guaranteed - power companies can change their variable plan rates (with 30 days’ notice). For this reason, the annual cost presented alongside variable plans are extrapolations of the current rates. These rates are subject to change.
  2. You need to make an informed choice based on research specific to your home. To get the best possible pricing, we suggest comparing your existing provider against current offers on the market. The best way is to arrange quotes from 3 to 5 of the top-listed power companies below to understand what you're paying and the alternatives available.

Three-Step Process to Get the Best Electricity Deal

Next Steps - Our EASY Three-Step Process to Get the Best Electricity Deal

MoneyHub

Shortlist three to five providers from our comparison data above, compare them to your existing provider and download our comparison spreadsheet

We have comprehensively compared many cities and a range of different energy consumptions. From the list above, you can shortlist three to five providers who stand out for pricing and benefits. Our shortlist per city helps you select with confidence.

Once you have done this, you can download our comparison template . If you complete it (which takes around 10-15 minutes), you will be able to pinpoint the cheapest provider for your annual usage.

For the best results, compare the options against your current provider - you can get the prices from your last bill and input them in on the far right section of our comparison spreadsheet.
MoneyHub

Source the latest electricity prices (daily charge and kWh rates)

Next, you'll need to open the spreadsheet and source ten numbers to power the comparison. The good news is you can get those numbers quickly as the video above outlines.

What you'll need to do:
  1. Enter in your address or ICP to each power company's quote tool (linked below)
  2. Find the prices and input them into the spreadsheet (you can input the Daily Charge, kWh and EA Levy as per this example.
  3. ​Make sure all of the prices EXCLUDE GST, so you're comparing correctly. If you have a GST-inclusive price quoted, divide the price by 1.15. We know this is unusual, but the laws around power pricing lack any consumer focus so this what needs to be done to make an accurate comparison.
  4. Input the approximate annual kWh of electricity you use into the cell as marked here (i.e. replace 7,000 with your annual kWh usage). 
  5. Factor in any discounts - this could be a sign-up bonus, early payment discount or direct debit discount. These need to be factored into the total comparison and are inserted here. 

Get local power prices in seconds - each of the links below takes you to the get-a-quote phase:
  • Contact Energy Price Estimate
  • Ecotricity
  • Electric Kiwi (requires a smart meter)
  • ​Flick Electric (requires a smart meter)
  • Genesis Energy (the link is valid for anyone, whether they are switching or moving homes)
  • Globug​
  • Mercury
  • Meridian Energy Pricing
  • Powershop
  • Nova Energy
  • Pulse Energy

Bundle options:
  • Orcon (only available with broadband)
  • Slingshot
MoneyHub

Confirm the best electricity provider and switch

Once you're comfortable with the pricing, the best approach is to get the electricity company to send you a quote that confirms the pricing and how long the terms are valid for. It will look something like this example from Meridian.

Once received, you check over it and if you're happy, sign up for the deal offered. It's a good idea to be aware of the terms of any sign-up bonus, perks, direct debit or early repayment discounts as this can reduce your overall costs further.

Compare Power Companies

Electricity Bills - Frequently Asked Questions

Electricity pricing should be simple, but inconsistencies between providers can make it complex. We list popular questions below and answer them to help you make a better decision on whether to switch or stay with your current provider.

Am I a standard user or a low user for power?

Your power bill is a good starting point since it has to specify which plan is currently being applied to your household.​ To be able to sign up to a low user plan, your energy consumption must be below a certain threshold (measured in kWh), mentioned in the next questions.

What power plan is the best option for my home?

  • If your annual electricity consumption is less than 7,000 kWh (and live on the North Island) or 8,000 kWh (and live in the lower parts of the South Island), your best option is to opt for a low-user plan.
  • However, if your annual consumption is higher than 9,000 kWh (North Island) or 10,000 kWh (lower parts of the South Island), then the standard plan is more cost-effective.
  • If your annual consumption sits between 7,000 kWh and 9,000 kWh (North Island) or between 8,000 kWh and 10,000 kWh (lower parts of the South Island), then you should take into account additional considerations, including the rates offered by the retailers in your area.

Can I opt for a low user plan?

According to the low-user legislation, if your household consumes less than 8,000 kWh per year (North Island) or 9,000 kWh per year (lower parts of the South Island), you can be considered a low user. Simply put, you need to know your household consumption over a year to know for sure what category applies to your case.

​Can I switch between low user and standard user plans?

Yes, you can. Assuming you comply with the consumption thresholds established by the current legislation, you can switch from a standard user plan to a low user plan, or vice-versa.​

What is the average electricity cost per kWh in New Zealand?

According to the NZ Ministry of Business, Innovation & Employment, the average electricity costs per kWh for a low user in New Zealand can vary from 26.75 cents (Dunedin) to 41.68 cents (Kerikeri), with the average cost per kWh in Auckland 29.67 cents (with Wellington and Christchurch around the same). 

What information do I need to compare energy costs?

You'll need to know your approximate kilowatt-hour use per year, and the cost per kWh in your local area. To make a complete comparison, you'll need to know the daily charge as well, which will vary between electricity companies, and any discounts offered for early payments, e-statements etc. Making the comparison without a template to follow is difficult - we believe our downloadable tool and comparison data to be the most comprehensive in New Zealand.

How many kilowatt-hours should I be using each year?

According to the Electricity Authority (EA), an average home in New Zealand should consume 8,000 kWh per year (North Island) or 9,000 kWh per year (lower parts of South Island). Obviously, these are average values that can vary significantly according to your lifestyle.

What is the average power bill in New Zealand?

The average NZ household, comprised of a couple with two kids under the age of 18, pay between $2,000 to $3,000 a year in electricity. Take into account though, that your power bill might vary depending on several factors, including the number of occupants of the household, the type of appliances used, and more.

How can a smart meter benefit my energy bill?

Smart meters can help lower your electricity bill by sending accurate information about your energy consumption and thus prevent using an "estimate" based on the consumption of previous months. This usually happens when the retailer is not able to take the actual reading on traditional electricity meters.​

What’s the difference between kWh and kW?

Kilowatts (kW) give you an idea of the energy consumed by an appliance, whereas kilowatts-hour (kWh) indicates the total amount of energy used by such an appliance during a determined period of time. For instance, a 10W (0.01kW) led bulb consumes less energy than a 50W (0.05kW) incandescent light bulb. However, if you leave the led bulb on for 10 hours, it will consume the same energy as the incandescent bulb in 2 hours (0.1kWh). Simply put, in addition to energy efficiency, the way you use the appliance also matters a lot.

What is the difference between transmission and distribution?

Although they seem to have to do with the same thing (moving electrical energy from one place to another), there are notable differences between these concepts. Transmission lines require huge poles and thick cables to carry enormous amounts of power throughout New Zealand. You can think of them as the highways that go from one city to another. The distribution lines, on the other hand, use smaller poles, transformers, and cables of smaller diameter to carry the necessary amount of energy to the communities and houses.

Why does the cost of transmission and distribution vary from place to place in New Zealand?

The explanation is very simple. The most remote areas of New Zealand require transmission lines just like the rest of the country. However, given the difficult topography, the cost of maintaining these lines is usually higher. The same principle applies to the distribution lines within certain areas.

What is the ICP number?

ICP is your Installation Control Point (ICP), which identifies your property on the New Zealand electricity network. It consists of 15 digits and it will be specified somewhere on your current power bill.

Can I change my meter type?

Yes, but there is a cost involved. If you are on an Uncontrolled meter for example, but think that you would benefit from a day/night plan, you would need to change your meter installation. In such instances, it's likely you'll need to pay for the installation while the power company covers the cost of the metre per CAB guidance.

Related Guides:
  • Comparison of Power Plans for Electric Vehicles
  • How to Save Money on Power Bills
  • Fixed Contracts vs Open Power Plans

Power Company Reviews:
  • Contact Energy Review
  • Ecotricity Review
  • Electric Kiwi Review
  • Flick Electric Review
  • ​Genesis Energy Review
  • Globug Review
  • Mercury Review
  • Meridian Energy Review
  • Nova Energy Review
  • Powershop Review
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  • Banking & Savings
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  • Power
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  • Essential Money Tips
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  • Trade Services
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