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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Revolut Review - The Definitive New Zealand Guide

We review Revolut, the app designed to make foreign exchange transactions significantly cheaper. We outline the costs, pros and cons and how it comes to Wise.
TransferWise debit card review New Zealand
Updated 17 December 2024

Know This First:
  1. If you're planning to spend money overseas, using a travel money card, credit card or bank-issued debit card have been the most popular methods.
  2. With every transaction using these cards, cardholders have been hit with foreign currency conversion fees, ATM withdrawal fees and/or a bunch of other fees.
  3. The Revolut app offers a physical and digital VISA prepaid card and offers market-leading overseas currency conversion fees, free ATM withdrawals (up to NZ$350/month), an app to track and manage your money and a fee-free allowance of NZ$2,000 per month.
  4. Our review outlines the pros and cons of Revolut to help determine if the is app (and card) are right for you.

Summary of the Revolut
  • The Revolut card is relatively easy to sign up to and packed with features. While it doesn't have as many currency storage options as a Wise card or legacy travel money card, you can store 37 currencies.
  • There is a one-off $4.99 charge to deliver a physical Revolut VISA prepaid card. You can activate Revolut's virtual VISA prepaid card as soon as you sign up and get approved, and then you can use it right away. After you pay the one-off delivery fee, there is no further ongoing charge (i.e. when the card renews). Despite the upfront fee, we consider the ongoing savings to be considerable, especially when compared to a travel money card.
  • Right now, most banks charge between 2% and 2.8% of your purchase price in 'overseas currency conversion' fees when using a debit card. This means if you spend NZ$100 overseas, your bank charges you $2.10 to $2.80 on top of that. It is these fees that soon add up.
  • The Revolut VISA prepaid card offers a much better deal with 0.50% exchange fees applying when you exceed the fair usage limit - NZ$2,000 for standard accounts, and NZ$20,000 for Premium and unlimited for Metal, but plan fees apply.

This guide has been prepared to present the pros, cons and everything you need to know about the features offered. We cover:
  • How do I Apply for Revolut Card?
  • Revolut vs Wise and Other Options - What Offers the Best Deal?
  • Revolut - Pros and Cons and The Bottom Line
  • Claims made by Revolut - Are They True?
  • Revolut Must-Know Facts​
  • Who is Revolut Most Suited To?
  • Frequently Asked Questions

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 bank, credit card issuer, or product manufacturer/service provider, and have not been endorsed by any of these entities. Please see our Advertising Policy for more details about how we make money.
Visit Revolut

Wise Debit Card Apply

How to Join Revolut (and Get a Digital Card in Minutes):

Signing up is straightforward, but there are some personal verification steps to complete. We outline the process below:
  1. Sign up for a Revolut account. You'll need to download the app first, which can be found by entering your phone number.
  2. You'll need to enter your phone number, set a passcode, fill in your personal details and upload a form of ID. This can be your driver's licence, which, when done, will prompt Revolut to verify you. This can be instant or take 1-2 days. 
  3. It's best to wait until your ID is verified before topping up your account (via card or bank transfer) just in case there are issues.
  4. Once your ID is verified, you can access your digital VISA prepaid card and have the option to pay the one-off delivery fee for a physical card.
  5. Activate your Revolut card. Once you receive your card, you will need to activate it. You'll also need to memorise your PIN. Once done, your card is good to use.
Visit Revolut

TransferWise debit card review New Zealand

Revolut vs Wise and Other Options - What Offers the Best Deal?

Revolut offers something no one does - a NZ$2,000 fee-free exchange allowance per billing cycle (a combined limit that includes all types of exchanges). For anything above this, a 0.5% fee will apply in addition to the exchange specific fees.

Is Revolut the best option for an international debit or prepaid card?
  • Firstly, the fact that Wise offers the best FX rates and offers cheaper fees than bank-issued debit cards is long established in our research. 
  • The question is then one of Wise vs Revolut and which service is more cost-effective. Revolut's $2,000 monthly free-fees allowance means Revolut gives you more foreign currency for the same amount of NZD when compared to Wise when you transact under this limit.
  • However, there is a sting - if you make a Revolut transaction during the weekend then you'll pay a 1% fee transact during the weekend you'll pay more to use Revolut on every transaction.
  • If you're sending pr transacting large amount, our testing of a NZ$50,000 and $100,000 transfer to GBP and AUD suggests that Wise and Revolut is almost the same FX rates, with Wise being slightly better, but the differences are small.
  • If you're withdrawing from ATMs, both Wise and Revolut offer free withdrawals up to NZ$350 per month, however Revolut lets you make up to five withdrawals without a fee within the withdrawal limit, whereas Wise limits it to two. Note that third party ATM fees may apply. Wise then charges 1.75% on any money withdrawn after this, whereas Revolut charges 2.00%, and if you withdraw during a weekend or UK public holiday, you'll pay another 1% meaning it's a total 3% fee.
  • Our Revolut vs Wise comparison outlines the fee and features side-by-side.

MoneyHub Founder Christopher Walsh shares his experiences with spending money overseas:

"I believe travel money cards are, for the most part, very poor products. Since COVID, some players have closed up shop and I don't see them coming back. I won't miss them - they make travel money confusing and risky.

Ongoing research and comparisons conclude that the Revolut and Wise are the cheapest options and offer powerful apps to track your spending. On the other hand, the 'legacy' travel money cards are uncompetitive and expensive. And the fees they charge are generally appalling.

Now Revolut has launched and we're pleased to see a similar product make these apps more accessible and understood by New Zealanders. Travel should be fun; you shouldn't spend time strategising how to 'best use' your travel money card.

And while Wise and Revolut make topping up your card and spending very easy and transparent, we're not fans of Revolut's 1% weekend penalty charge. If I'm on a long-weekender in Sydney I don't want to think that if I'm paying an extra 1% on this dinner 'because it's 8am on Saturday in London.

I believe Revolut would be near-perfect if it removed this charge, and we hope they do in the not too distant future. However, Revolut does let you top-up and transact with a leading exchange rate, and we're happy to see another player enter the market to give consumer choice".
MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh

Visit Revolut

Wise Debit Card Pros and Cons

Revolut - Pros and Cons

To properly evaluate Revolut, we list its pros and cons:

Pros:
  1. Minimal foreign transaction fees - you will never pay a fee for withdrawing money from an overseas ATM if you stay under NZ$350/month (banks charge as much as NZ$6 per transaction).
  2. No annual fees - There is a one-off $4.99 charge to issue the physical Revolut VISA prepaid card, but no fees after that for having an account.
  3. Lower currency conversion fees - banks charge 1.80% to 2.80% for Visa Prepaid Card transactions, whereas Revolut converts major currencies for around 0.50%, and there's a $2,000 monthly fee-free allowance so you'll only pay the 0.50% after you spend over $2,000.
  4. Revolut exchange rate - Revolut uses its exchange rates (similar to how Wise does this, e.g. the one you will find on Google). In comparison, exchange rates used by banks, PayPal and travel money cards often conceal a markup.
  5. Free cash withdrawals up to NZ$350 (or NZD equivalent in foreign currencies) every 30 days, up to five visits to an ATM.
  6. Google Pay - You can integrate the card into Google Pay to pay digitally rather than with a physical card.
  7. You can convert and store 37 currency balances in advance (like you do with a Travel Money Card). Otherwise, Revolut will convert your money automatically at the Revolut exchange rate on your NZD balance when you make a transaction.​
​
​Cons:
  1. The 1% weekend rate: Overall, we believe Revolut could be a great travel money card given the fee-free allowance of $2,000 and competitive FX rates, but we find the 1% weekend and UK public holiday fee annoying.
  2. App can be difficult to use - our research team noticed the app hangs, which resulted in us funding the account from our business credit card twice by accident. You'll also want to enable the fingerprint access because the app logs you out repeatednly, and punching in the six digit code can get annoying.
  3. The website-accessed version has limited features: Revolut wants you to use the app, so what you can do when you log into your account using a web browser is severely limited.

Be Aware: It's not a credit card, so you will need to have all the money you need in your Revolut account before making a purchase. This isn't a con but simply feature and arguably a helpful way to avoid to getting into debt while on holiday.​

Revolut - The Bottom Line:

  • ​Revolut and its VISA prepaid card delivers low, transparent fees and market-leading exchange rates. The card has been popular in Europe where it first launched, and we're pleased to see it finally launch in New Zealand.

Where it wins:
  1. We are confident that when it comes to purchasing in major foreign currencies, the service is cheaper and superior to all existing travel money cards on offer, and, in some cases if you avoid the penalty 1% weekend charge, cheaper than Wise.
  2. We also believe it offers greater value than bank debit cards when making over-the-counter or online transactions in foreign currencies.
  3. In most cases, spending using a credit card is, like-for-like, more expensive than using Revolut's VISA prepaid card. However, there are exceptions such as the market-leading Flight Centre Mastercard.
  4. Payments are processed using Visa at the Revolut rates, which are superior to Visa's.

​​Where it falls short:
  1. Revolut has some limitations in its functionality; none of this matters for a travel money card, but it's worth knowing that the bank account associated with your Revolut VISA prepaid card prohibits direct debits and there are no branches to do over-the-counter transactions. Furthermore, you won't earn interest on any balance, and there's no overdraft facility, and joint accounts are not available, which means if you're a couple or family travelling overseas and you want a physical card each, you'll need to open separate Revolut accounts.
  2. While there is a free-fee limit of NZ$350 for ATM withdrawals in New Zealand or overseas (up to five withdrawals), after that is reached there is a 2% fee. Also, within New Zealand, the ANZ charges a $3 withdrawal fee on cash in NZD if you use a local ATM. Kiwibank, Westpac, BNZ and ASB do not charge this fee.
Visit Revolut

TransferWise debit card review New Zealand

Claims made by Revolut - Are They True?

We examine the claims made by Revolut and explain the detail behind the headlines.
"Unlock instant payments, easily split bills, and exchange currencies in real-time. One app, for all things money"

Is it true?
  • Yes. ​You can receive payments into a NZD account, exchange currencies as you need them. The splitting bills feature is for merchants, also known as Revolut Business, but this review focuses on personal needs (e.g. foreign exchange transactions and travel money).

"Spend abroad like a local with excellent exchange rates"

Is it true?
  • ​In a sense, yes. The FX rates are market-leading, and all Revolut customers get an allowance of $2,000 fee-free transfers and transactions per month. However, fees do apply after this, and if you transact during the weekend, you'll be hit by a 1% fee which is frustrating.
  • There is no annual fee for the Revolut VISA prepaid card, and you can make a limited number of cash withdrawals overseas without a transaction charge. Many banks charge $5 or $6 per transaction.

TransferWise debit card review New Zealand

Must-Know Revolut Card Facts

MoneyHub

There are fees for many transactions, so it's essential to understand how they work

  • The card promises a lot, but not everything is free. This helpful table below explains what's free and what costs.
  • Every customer receives $2,000 fee-free allowance to spend and transfer per month. However, once you go above this (which is likely quite easy to do if you're overseas for at least a week).
  • Importantly, if you make transactions outside of UK FX trading hours (e.g. the weekend and public holidays) you'll be charged an extra 1%. You need to consider what time it is in the UK when making a purchase to avoid this 1% fee, something which can be a hassle and unique to Revolut.
Service
Revolut VISA Prepaid Card Fees
Physical Card + Delivery Fee
$0 + $4.99 delivery
Standard Exchange Allowance
(fee-free limit per month)

$2,000

For exchanges above the Standard Exchange Allowance, a 0.50% fee will apply in addition to the exchange specific fees
Exchange fees applicable outside exchange market hours*
1% of the value of the exchange
ATM withdrawals
Up to NZ$350 per month (start/end dates can be found in the app)

5 free withdrawals per calendar month then
2% of the value of the ATM withdrawal value + $0 fixed fee
Must-Know Fee information:

*Without taking into account daylight savings, the equivalent time period in NZ is approximately Saturday 11am (NZDT) to Monday 12pm (NZDT). If there's a public holiday in the UK at the time you make a transaction, you'll also be charged the extra 1%.
MoneyHub

Revolut offers far better value than traditional Travel Money Cards, but we argue it's not as good as Wise

Our review of Travel Money Cards showed a range in foreign exchange rates between providers. Important facts include:
  • Revolut offers wallets in 37 currencies (as a point of comparison, Wise offers 40+).
  • Revolut is unique in offering a $2,000 fee-free allowance per month, but if you spend or transfer during the weekend you'll be stung with a 1% fee. Once $2,000 is used, you'll pay a ~0.50% FX translation fee on your transaction, exchanged using Revolut's rates. This fee is lower than any bank debit card's FX fee, and the FX rates are also higher. This means that your New Zealand dollars go further.
  • Overall, we believe Revolut could be a great travel money card given the fee-free allowance of $2,000 and competitive FX rates, but we find the 1% weekend and UK public holiday fee annoying, and the limit of wallets to four non-NZD currencies makes it limited if you want local bank account details.
MoneyHub

Banks charge between 1%+ and 2.80% in debit card currency conversion fees; Revolut is around 0.50%

On a single transaction, the difference isn't significant. But they add up. We believe the high conversion charges are completely unnecessary. Revolut charges one quarter to one fifth what the bank debit cards charge when processing the same transaction for the most common currencies.
MoneyHub

Your money is protected (we think)

  • Revolut states "your money is protected by regulated banks - get peace of mind, knowing that your money is protected and is held with a registered bank in New Zealand".
  • MoneyHub is unwilling to comment further other than to say deposits sit separate from the bank accounts used by the company for its operations, and for this reason, are less at risk if Revolut had a financial issue.

Who is Revolut Most Suitable For?

  • Looking for a travel money card? If so, it's a good idea to consider Revolut; while Wise is a favourite around New Zealand, Revolut's FX rates mean you'll get around 0.40% extra on your money based on our recent research. However, if you transfer during the weekend (UK hours) or during a British public holiday, Wise is much cheaper which arguably makes Wise a more convenient and less complicated option without converting 'weekend hours' to wherever you are in the world when you make a purchase.
  • Shop online or travelling overseas? Our view is that anyone who buys items online or in-person using a debit card that is charged in foreign currencies could benefit. Revolut's VISA prepaid card charges significantly lower foreign currency conversion fees compared to all banks and has far better exchange rates. 
  • Going on an OE? Currently Revolut only offers a New Zealand account number; AUD, GBP, EUR and USD accounts are marked as 'coming soon'. If you want account details to get paid and make transfers, only Wise offers this.
Visit Revolut

Wise Debit Card Frequently Asked Questions

Revolut - Frequently Asked Questions from the MoneyHub Community

1. How long does the Revolut card take to arrive?
Revolut makes this clear - depending on the delivery method chosen, for standard, it can take up to 10 days and for express up to 5 days to receive the card.

2. Do I need to convert money before I go overseas?
No - you can load the card with NZD, which will be deducted after every transaction.

3. Are you best to load the card in your home currency first and then convert it to the multiple currencies you need?
It depends; many people just load their card with their home currency, e.g. NZD (which is free), and then use the card overseas, whereby the FX rate of the day will be applied. This is a popular option as you don't need to lock in an exchange rate.

4. There is a fee if I want to convert my NZD to Euro (or any other currency). If I use it overseas, will this fee be bigger or smaller?
Revolut charges a fee based on the value of the transaction, so overall, there won't be any difference. The only difference will be the exchange rate which changes all the time. However, If you use your Revolut card to spend in another currency at the weekend, an additional charge will be added for the currency conversion. The same fee applies to international payments sent through the Revolut app on Saturdays and Sundays.

5. Can I link my Revolut card to my bank account? Or do you have to load the card before using it?
You will need to have a balance in your Revolut account before the card works; otherwise, it has nothing to settle your purchase. The easiest way to top up the card is to add your Revolut account number (which will be provided when you sign up for a Revolut card) and transfer the amount of money you want. In New Zealand, this takes a couple of hours during a business day.

6. If, for example, I convert NZD into EUR in January and spend EUR in March, is the January exchange rate applied?
Yes - because you have bought EUR, the rate is locked in. However, this only applies to the EUR in your wallet. So if you spend all your EUR, you'll need to buy more, and the latest exchange rate will apply.

7. Do I need to put EUR in my wallet to spend in EUR?
No - the transaction will be approved if you have money in any currency on your Revolut account, and it's enough to settle a purchase.

8. If I use the Revolut VISA prepaid card in the UK and I have pounds in my wallet, does it automatically choose the pounds as a default currency?
Yes, it does; Revolut uses the currency you're spending first if you have that in your wallet; then, if you're short of pounds, it will fund the purchase with any other currency available.

9. Is Revolut the best travel money card?
It depends on your needs; we don't like the weekend penalty that's applied as it makes what is otherwise a strong offering confusing. We also don't like the app as much as Wise, and the web version has very limited functionality. As such, we suggest you consider Wise as well, which we compare alongside Revolut here.
Visit Revolut

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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • For Startups
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  • MSD
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  • Motoring
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  • Law
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    • Best of New Zealand
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  • Travel Insurance
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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 20 Frugal Decisions That Often Backfire
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      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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      • Money Habits Keeping You in the Rat Race
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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
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    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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    • Tax
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      • Salary Sacrifice in New Zealand
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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