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 vs Wise - Which Is Better? The Definitive New Zealand Guide

We compare all aspects of Revolut and Wise in New Zealand -  origins, fee structures, currency options, ATM fees, customer support, and much more to help save you money.
Revolut vs Wise NZ
Updated 17 December 2024

Summary:
  • Wise is an established operator worldwide and has found favour among New Zealanders for its Debit Card which doubles as a Travel Money Card.
  • Revolut is popular globally but launched in New Zealand in July 2023 and is a direct competitor to Wise. It offers a VISA prepaid card, global currency transfers, joint accounts, crypto and paid plans.
  • Both options integrate with Apple Pay and Google Pay.

To compare the services side-by-side, our review looks at:
  • Revolut and Wise - A Brief History
  • Currencies, Account Loading Fees and Card Fees
  • ATM Fees and Transfer Fees
  • Frequently Asked Questions​ ​

Revolut vs Wise NZ History

Revolut and Wise - A Brief History

Revolut
  • Revolut was founded in 2015 to create a platform to solve the frustrations the founders had experienced with traditional banking, particularly regarding foreign exchange fees and the limitations of financial mobility.
  • Revolut launched intending to build a digital banking platform that was fast, convenient, and transparent. The flagship products remain the VISA prepaid card and foreign exchange app, both of which allow users to exchange currencies at leading rates and spend and transfer money with fees below any bank or legacy FX provider.
  • While overseas users can access share trading, business accounts and even children's accounts, New Zealand users have access to the VISA prepaid card, foreign exchange services and cryptocurrency trading, all handled by an app. According to financial statements filed in the UK, Revolut had 50 million users at the end of 2024 and was profitable.

Wise
  • Wise was founded in 2011 in London to reduce the cost of sending money abroad by eliminating high fees and lengthy wait times associated with traditional banking systems.
  • Wise, first called TransferWise, was set up as a peer-to-peer platform initially focused on making international money transfers more affordable and straightforward. Over time, Wise grew and began to offer additional features, including the Borderless Account in 2017, which allows customers to hold, manage and send money in multiple currencies, and the Wise Debit Card in 2018. Today, Wise is listed on the London Stock Exchange and has over 16 million customers. 

Overall, Revolut and Wise have seen incredible growth since their inception, driven by their ability to meet the needs of a new generation requiring flexible, transparent, and cost-effective foreign exchange solutions. With the launch of Revolut in New Zealand in July 2023, there is now an alternative to Wise and more evidence that the banks charge far too much for foreign currency transfers and that legacy travel money cards are uncompetitive.

MoneyHub Founder Christopher Walsh shares his views about the Wise Debit Card and Revolut:

Favourite Travel Money Card 2023
Join Wise
Join Revolut
When making a foreign currency purchase, incurring the hefty and pesky bank charges have always annoyed me, mainly because they're an absolute rip-off.  Both the Wise Debit Card and Revolut put the power back with the customer.

While we're a fan of Revolut, we are limited in our praise given the 1% penalty FX rates that are applied over the weekend. However, it has a host of benefits, as outlined in our review.

And, following our extensive research into travel money cards, we're pleased to confirm Wise is our
Favourite Travel Money Card 2023.

Disclaimer -
I am a Wise customer. I use my Wise card often because it's so easy and have introduced many friends to it as well. It has a great app and web browser, simple fees and the flexibility of the foreign accounts to allow payments. All in all, what it offers makes it a comprehensive solution.

Regardless of whether you join Wise or Revolut, no bank competes with their speed, cost and transaction security, and it's great to have both of these options available in New Zealand.

Christopher Walsh MoneyHub
MoneyHub Founder
Christopher Walsh



A Popular Alternative to Wise - Revolut

Revolut Travel Money Card Review NZ
Similar to Wise, Revolut offers versatile features and leading travel money card value. Our comparison of
Wise vs Revolut explains more. However, Revolut applies a 1% surcharge on currency transactions during weekends, meaning we're unable to compare it fairly in our tables.

For more details about Revolut and why 
it's becoming popular with New Zealanders, explore our in-depth review and visit Revolut's website.
Visit Revolut

Revolut vs Wise NZ Load and FX Fees

Currencies, Account Loading Fees and Card Fees

Revolut and Wise provide access to multiple currencies and offer digital and physical debit cards. Wise supports a larger number of currencies and gives local bank details for ten currencies, while Revolut provides only NZD bank account details. However, despite these banking-like features, neither Revolut nor Wise are officially recognised as banks. Consequently, deposits, while held separately (on trust) from the companies' operations, are not regulated by the Reserve Bank of New Zealand.

The currency and card differences are outlined below:
Currency Options and Cards
Revolut
Wise
Send Currencies
40 including NZD, AUD, EUR, GBP and USD
53 including NZD, AUD, EUR, GBP and USD
Store Currencies
37 currencies
53 Currencies
Local account details
Local account details for NZD
Local account details for NZD, AUD, GBP, EUR, AUD, SGD, RON, CAD, HUF and TRY
Debit/Prepaid card
The Revolut VISA prepaid card (physical, virtual and disposable) attaches to the Revolut account
The Wise Debit Card (physical and virtual) attaches to the Wise Multi currency account.
Revolut and Wise each have their own fee structures which can vary based on how you add money to your account. However, one commonality between the two is that transferring money directly from your bank account to your Revolut or Wise account will not incur any fees from either company.

The funding an account fee differences are outlined below:
Funding an Account
Revolut
Wise
Debit/Prepaid Cards issued in NZ
$0
Around 1.48%
Credit Cards issued in NZ
Up to 1%
Around 1.48%
Bank accounts in NZ
$0
$0
Pay In Options to Fund an Account
Debit or Credit Card
Apple Pay
Google Pay
Bank transfer
Debit or Credit Card
Bank transfer
​Apple Pay
Google Pay
POLi
Wise Balance
Payout options
Bank account
External card
Bank account
You're issued a virtual card upon registration with either Revolut or Wise. However, obtaining a physical card involves distinct fees, as outlined below:
Card Fees
Revolut
Wise
Physical Card + Delivery Fee
$0 + $4.99 delivery fee
$14 (card and delivery)
Express Delivery Option (1-2 days)
$33.99 (for first card)
From $17.40
Virtual Card
$0
$0
Card replacement
$8.99 per card + $4.99 delivery
$10 (card and delivery)
More details can be found in our Wise Review and Revolut Review
Join Wise
Join Revolut

Revolut vs Wise ATM Fees NZ

ATM Fees and Transfer Fees

Revolut and Wise both offer free ATM withdrawals up to a certain limit, as outlined below:
Fees and Limits
Revolut
Wise
Free ATM Limit
Up to NZ$350 per month (start/end dates can be found in the app)

5 free withdrawals per calendar month
Up to NZ$350 per calendar month

2 free withdrawals per calendar month
Surcharge When Limit Exceeded
2% of the value of the ATM withdrawal value + $0 fixed fee
1.75% of the value of the ATM withdrawal value + $1.50 fixed fee per withdrawal (after two free withdrawals exhausted)
Revolut and Wise each have distinct fee structures and allowances for various transactions, such as transfers to NZD bank accounts, foreign currency exchanges, and standard monthly exchange allowances.

Revolut offers a fee-free limit for currency exchanges per month, while Wise doesn't have such a limit. The cost for transactions outside of exchange market hours and foreign currency transfers also differ between the two platforms with Revolut imposing this fee while Wise doesn't.

The specifics are detailed in the following table:
Fees and Limits
Revolut
Wise
NZD transfers to bank accounts in NZ
$0
$0.54 per transaction
Fee for foreign exchange
0% up to $2,000. Then 0.5% after this.
Varies by currency
Exchange fees applicable outside exchange market hours*
1% of the value of the exchange
0% (no charge)
Foreign currency transfers
Percentage based fee on value exchanged
Fixed Fee + Percentage based 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).

Important: Wise has a different fee structure compared to Revolut. While Revolut has a flat percentage fee after a certain exchange limit (NZ$2,000 of transfers per month), Wise calculates its fees based on a percentage of the transferred amount. Specifically:
  • Revolut has 0% fees up until your plan allowance (for a free account, it's $2,000/billing cycle), with a 1% fee on weekends. Once you reach your plan allowance, there's a 0.5% fee for FX. Wise does not have a standard exchange allowance after which a fee is imposed. Instead, Wise charges a small upfront fee on each transaction. This fee is typically a percentage of the converted amount plus a small fixed fee.
  • ​Important: The specifics of these fees can vary by currency, and both Wise and Revolut are known to update their pricing structures regularly. While we regularly update our guides and comparisons, the Wise website/app and Revolut app will show the latest pricing for your currency pair, e.g. NZD to AUD, GBP, USD etc.  
  • Know This: Fees are one factor, but the exchange rates offered by Wise and Revolut are different, and this can sometimes make more of a difference to the total cost of a transaction than the fees themselves.

Regulation and Support

Revolut and Wise operate under regulatory oversight and are registered financial service providers in New Zealand. Their company details, including NZBNs and company names are specified below.

As for customer support, both companies maintain active support channels through their respective applications, as well as on social media platforms like Facebook, Instagram, and Twitter:
Regulation and Support
Revolut
Wise
Regulatory Details
Company Name:
Revolut Payments New Zealand Pty Ltd

NZBN: 9429048733212

Registered Financial Service Provider (FSP766191)
Company Name:
Wise Payments Ltd

NZBN: 9429041103456

Registered Financial Service Provider
(FSP1001920)
Customer Support and Contacts
Chat support on the Revolut app
Facebook
Instagram
Twitter
Call and chat support via the website
Facebook
Instagram
Twitter
More details can be found in our Wise Review and Revolut Review
Join Wise
Join Revolut

Revolut vs Wise Frequently Asked Questions NZ

Frequently Asked Questions

Which is better for travel, Revolut or Wise?

  • Revolut and Wise offer compelling features for travellers; Wise is a proven solution, as evidenced by these testimonials, and we hope to prepare a similar video in the coming months when New Zealanders try Revolut. 
  • Wise is arguably more suitable for travel as it allows you to hold and manage money in multiple currencies, making it an excellent option for those who work or travel across different countries regularly. 
  • Overall, the best choice between the two would depend on your personal travel needs and spending habits.​

How fast is money transfer with Revolut and Wise?

The speed of money transfers can vary depending on various factors, including the country you're sending money to and the currency you're sending. Generally, Revolut claims that transfers in the same currency can arrive instantly, but international transfers may take up to 3 working days.

Wise states that most international transfers are completed within 1-2 business days; customers are provided updates and an estimated delivery time for each transfer.

Which offers better exchange rates, Revolut or Wise?

  • Both Revolut and Wise aim to offer exchange rates that are close to the mid-market rate, i.e., the "real" rate you see on independent sources like Google. However, their approaches differ slightly.
  • Revolut offers a leading exchange rate for currency exchanges on weekdays, which is the rate banks use when trading between themselves. Over the weekends, they apply a markup to account for potential market fluctuations.
  • Wise always offers the mid-market rate at the time of your transfer but charges a small, transparent fee for the transaction.

Are Revolut and Wise safe to use for sending money?

Yes, both Revolut and Wise are regulated by financial authorities in the UK, where they are based. Revolut is authorised by the Financial Conduct Authority (FCA), while Wise is regulated by the FCA and the Bank of England's Prudential Regulation Authority. These regulations mean that both companies must follow strict rules designed to protect consumers, making them safe platforms for sending money.

What are the sending limits for Revolut and Wise?

Revolut's sending limits can vary based on factors like user verification, but it generally has a high transfer limit. For standard customers, you can exchange up to a certain limit (e.g., NZ$2,000 per month) without any fee, with a 0.5% fee applied to the amount over that.
Wise, however, does not impose a specific sending limit, but the transfer limit can vary depending on the country you're sending money to, the method of payment, and other security factors. Wise charges a small upfront fee on each transaction.

How are customer support services for Revolut and Wise?

Revolut and Wise provide customer support services, but the experience may differ. Revolut primarily offers support through in-app chat and expects to respond within a few hours. However, they provide a phone line for immediate assistance for card-related issues or emergencies, and have a comprehensive FAQ section on their website, as well as in the app for easy access.

Wise provides customer support via email, phone, and chat. Their website also features a comprehensive FAQ section. Response times can vary depending on the channel used and the complexity of the query.

Can I use Revolut or Wise to send money to any country?

Revolut and Wise support a broad range of countries for money transfers, but there are some limitations, so if the country or currency isn't commonly exchanged, you'll need to check the Wise and Revolut websites.

Can I withdraw money from any ATM with Revolut and Wise cards?

You can use Revolut and Wise cards at ATMs worldwide that accept Visa or Mastercard. However, remember that there might be ATM operator fees in addition to the free NZD limit.

Which is more expensive for regular international money transfers, Revolut or Wise?

Costs can vary depending on the amount of money and the countries involved in the transaction. Revolut offers free transfers up to a certain monthly limit, after which a fee applies. Wise charges a fee for each transaction, typically including a small fixed fee and a percentage of the converted amount. For regular international transfers, it's important to consider the fees and the exchange rate provided by each service.
More details can be found in our Wise Review and Revolut Review
Join Wise
Join Revolut

Related Guides:
  • Wise Debit Card Review
  • Revolut Prepaid Debit Card Review

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  • Banking & Savings
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  • Essential Money Tips
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  • Financial Independence
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  • Trade Services
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