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
        • Kernel Shares & ETF Investing 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 101
        • 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
        • Shares vs Property Investment
        • 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
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • 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
      • Money Sweetspot 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
      • Interest Rate Predictions 2025
      • 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
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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Compare Rural Broadband Providers and Plans

Our review compares the specific rural broadband plans offered by Wireless Nation, Farmside, Spark, 2degrees and other providers
Best Rural Broadband Providers NZ
Updated 5 October 2023

Summary:
  • ​Rural broadband has progressed from slow, unreliable connections to fast and reliable broadband thanks to the government’s Rural Broadband Initiative, or RBI. Using a combination of copper, Fibre and wireless networks, rural broadband continues to be improved and upgraded. 
  • With better infrastructure, rural broadband plans have become better priced, faster and more generous with data.

To help you find the best rural broadband plan, our guide covers:
  • Rural Broadband Networks - A Brief Background
  • Best Rural Broadband Providers and Plans
  • Specialised Rural Broadband Providers Nationwide
  • Frequently Asked Questions

Important: This guide covers 4G-delivered rural broadband. Due to the limited demand for satellite internet, we have not included a satellite plan comparison in our rural broadband review below. 

Picture

Rural Broadband Networks - A Brief Background

Know this first: is rural broadband slower than connections in cities?

It depends - isolated New Zealanders are usually further away from the nearest broadband cabinet (a box located around suburbs that that delivers broadband) than houses in a larger town or city. As broadband connection power decreases with distance, this means that speeds are slower the further a home is from the cabinet. In some areas where the usual broadband connections aren’t fast or cost-effective, wireless and satellite-based broadband connections can provide a better rural broadband solution. 

Beyond the RBI, the Rural Connectivity Group (RCG) is a joint venture between the government and Spark, One NZ (previously known as Vodafone) and 2degrees working together to deliver phase 2 of the rural broadband initiative by December 2022.

The aim is to allow 80% of rural New Zealand to access broadband by increasing coverage from 400+ new cell-sites and reducing mobile blackspots.

Existing rural broadband options:

1. Mobile-based networks:
  • 3G Aerial – the slowest type, using the 3G mobile network.
  • 4G Aerial – faster than 3G, this connection still requires a professional installation to connect with a 4G network.
  • 4G Mobile – this is the fastest mobile connection and no installation is required as customers connect with a 4G modem.

2. Cable-based networks:
  • ADSL – this is a copper phone line-based connection. Rural locations using ADSL technology often experience slow speeds given their distance from exchanges. Because of the medium used for the connection (copper), the longer the distance from the exchange, the slower the internet speed for the user. Spark, for example, confirms that their 4G network is faster than their ADSL. 
  • Fibre broadband – connections are made using a high-speed fibre-optic cable which avoids the loss of speed experienced by rural ADSL connections.

3. Satellite-based networks:
  • Satellite broadband – this is aimed at the most remote of locations, such as the Chatham Islands, isolated farms and stations, and for any property that can’t access mobile signal, VDSL or Fibre networks. Speeds of up to 30 Mbps are available, but it is expensive, and setup costs can be high.

Is having an antenna better than a modem, and when do I need an aerial or antenna?

If you can connect to 4G rural broadband using a modem, it's likely your reception is better than anyone needing an antenna so your connection will be better. The best place to start is using a tool like Wireless Nation's rural broadband coverage map to see what's available at your address. Generally:
  1. If your address falls outside 4G Plug and Play (PnP) zone but within 3G or 4G aerial, then you'll need an antenna.
  2. If your address falls within 4G PnP coverage, then you'll likely just need a modem
  3. If you're somewhere in the middle, it's almost always best to try a modem first and then, if it's not effective, purchase an aerial or antenna.

Know this: Some providers charge based on the time you use the data (peak/off peak/any time)

While many plans don't have this limit, some do. You should be aware of time-specific data caps as you may have to time when you download large files.

Best Rural Broadband Providers NZ

Best Rural Broadband Providers and Plans

Our list below covers the six nationwide rural broadband providers currently available - Farmside, 2degrees, NetSpeed, Spark, One NZ and Wireless Nation. 

If these service providers are unable to assist due to your location, our list of Specialised Rural Broadband Providers may be able to help.

Our Top Two Rural Broadband Providers

Best Rural Broadband Providers NZ

Wireless Nation Rural Broadband Plans

  • ​Plans on offer: Several, ranging from a 300GB plan for $129.90/month, to an unlimited plan for $149.90/month
  • Connection: 4G
  • Phone number: Optional at additional cost 
  • Underlying network provider: Spark 
  • Trials and contracts: 24-month term with free modem provided, or an open term option if you purchase an RBI modem
  • Phone Support: 8am to 8pm Monday to Friday, and 9am to 5.30pm weekends and public holidays.
  • Provider headquarters: Takapuna, Auckland

Our view: We believe Wireless Nation offers the best rural broadband. Wireless Nation offers outstanding value plans and continues to double down on its rural customer focus. The solid track record of satisfied customers (evidenced by hundreds of verified online reviews) and the backing of the Spark network to deliver rural broadband suggests Wireless Nation is one of the strongest nationwide specialists for those living away from copper lines or fibre. 
  • More details: Read our review of Wireless Nation or visit Wireless Nation's dedicated rural broadband plans​
Best Rural Broadband Providers NZ

Farmside Rural Broadband Plans

​Important: One NZ purchased Farmside in 2018 (when One NZ was known as Vodafone) and offers rural broadband under its own brand, as well as Farmside. One NZ continues to invest and market both brands, although for rural broadband, One NZ and Farmside plans are the same by way of data and pricing. ​
  • Plans on offer: RBI Wireless Broadband 200GB for $95.99/month and RBI Wireless Broadband 400GB for $125.99/month
  • Connection: 4G
  • Phone number: Optional at additional cost 
  • Underlying network provider: One NZ
  • Trials and contracts: 24-month term, with free modem provided
  • Phone Support: 8am to 7pm Monday to Friday, and 9am to 5.30pm weekends and public holidays.
  • Provider headquarters: Timaru

Our view: Farmside is a strong runner up to Wireless Nation and continues to receive outstanding customer reviews and has grown its reach by using the extensive One NZ network. While One NZ (previously known as Vodafone) has historically had a troubled image, Farmside is managed and operated from its Timaru base and reliably serves thousands of rural clients. 
  • More details: Read our review of Farmside or visit Farmside's dedicated rural broadband plans

Other Providers Worth Considering

Best Rural Broadband Providers NZ

Spark Rural Broadband Plans

Know this first: Spark offers several options under its Rural Wireless Broadband offering. The terms, pricing and data is different to its Unplan Wireless Broadband and should not be confused.
  • ​Plans on offer: Several, as outlined here.
  • Connection: 4G
  • Phone number: Optional at additional cost - the plans above are 'naked' meaning they don't include phone
  • Underlying network provider: Spark 
  • Trials and contracts: Open term contract
  • Phone Support: 7am-8pm, Monday to Friday and 8am-6pm, Saturday and Sunday
  • Provider headquarters: Auckland

Our view: Spark offers New Zealand's most extensive 4G network, and its two standard plans are competitive with specialist rural providers. Its open term is attractive for anyone looking for a short-term connection and/or wants to minimise being fixed into a service that may not be suitable. For all rural plans, Spark requires you to buy a modem (and antenna if required), although it does offer interest-free financing.​
  • More details: Read our review of Spark or visit Spark's dedicated rural broadband plans and terms and conditions
Best Rural Broadband Providers NZ

2degrees Rural Broadband Plans

Important: 2degrees offers a free two-month trial. While you'll need to sign up to a standard plan, 2degrees posts out a modem for you to connect with. If you don't want to continue with the service, you simply call and cancel and then post the modem back.
  • ​Plans on offer: One - a 170GB plan for $85/month; extra data is automatically charged at $15 for each 20GB block
  • Connection: 4G
  • Phone number: Optional at additional cost 
  • Underlying network provider: 2degrees and One NZ
  • Trials and contracts: 12-month contract
  • Phone Support: 8am - 10pm, Monday to Sunday
  • Provider headquarters: Auckland

Our view: 2degrees leads the market with a try-before-you-commit two-month trial. The single plan, offering a sizeable 170GB of data, is very competitive, as are the extensive support hours. However, 2degrees does receive a stream of negative reviews (specifically about their customer service/accounts assistance) for its mobile plans (although this doesn't affect the reliability of its 4G network, nor, presumably, the simplicity of its single rural broadband plan pricing).
  • More details: Read our review of 2degrees or visit 2degrees' dedicated rural broadband plans ​and its terms and conditions
Best Rural Broadband Providers NZ

NetSpeed Rural Broadband Plans

  • ​Plans on offer: Several, as outlined here.
  • Connection: 4G
  • Phone number: Optional at additional cost
  • Underlying network provider: Spark
  • Trials and contracts: NetSpeed prides itself on its open plans (meaning their Rural Broadband plans don't have fixed contracts)
  • Phone Support: 8am - 9pm, Monday to Friday, and 10am to 8pm Saturday, Sunday and Public Holidays
  • Provider headquarters: Dunedin

Our view: NetSpeed is relatively unknown but does provide a nationwide service and is committed to transparent pricing. It also offers a 'build your own' plan which may appeal to those with specific data needs.
  • More details: Visit Netspeed's rural broadband plans
Best Rural Broadband Providers NZ

One NZ Rural Broadband Plans

  • ​​Plans on offer: The same plans as those provided by Farmside, as outlined here.
  • Connection: 4G
  • Phone number: Optional at additional cost 
  • Underlying network provider: One NZ
  • Trials and contracts: 24-month term, free modem provided
  • Phone Support: 8am to 8pm Monday to Friday, and 8am to 6pm weekends and public holidays.
  • Provider headquarters: Auckland

Our view: One NZ's network and acquisition of Farmside demonstrates its rural focus.

  • More details: Read our review of One NZ Broadband or visit One NZ's dedicated rural broadband plans 

Best Rural Broadband Providers NZ

Specialised Rural Broadband Providers Nationwide

It's quite likely your location may be beyond the reach of the nationwide providers. If this is the case, this list of local rural broadband providers can help you find a service that reaches your address.

Waikato and Bay of Plenty Rural Broadband Providers

  • ​Lightwire
  • ​EOL

Gisborne and Hawkes Bay Rural Broadband Providers

  • Gisborne.net.nz
  • ​Evolution Wireless

Manawatu, Wanganui, Wairarapa and ​Taranaki Rural Broadband Providers

  • Inspire Net
  • Primo
  • WIZwireless

Nelson, Marlborough, West Coast and Tasman Rural Broadband Providers

  • Zelan
  • ​Scorch Communications
  • ​TP Net

Canterbury Rural Broadband Providers

  • Amuri.net
  • Scorch Communications
  • WirelessWeb
  • GetWireless (South Canterbury)
  • ​Ezy Konect (South Canterbury and Otago)
  • ​​​Ultimate Broadband

Otago and Southland Rural Broadband Providers

  • ​yrless+
  • Unifone
  • ​Velocity Net

Best Rural Broadband Providers NZ

Rural Broadband - Frequently Asked Questions

Rural Broadband is improving thanks to government initiatives, but questions remain. We've anticipated the most common queries below. If you have a Rural Broadband question we've not answered, please contact our research team.

What is the best broadband for rural areas?

There is no single 'best provider' – what’s most suitable for you depends on your location and what connection(s) you have available. We believe that if you can get a fibre connection, that should be your first choice, followed by a 4G mobile broadband connection. Failing that, ADSL is an option, and if you’re entirely off the grid, satellite internet is possibly the only option.

The best place to start is to see what connections are available using the Chorus, One NZ and Spark rural broadband map availability​. 

How do I improve my existing rural broadband’s connection speed?

Again, the best starting point is to see all the available broadband options using the Chorus, One NZ and Spark tools. If you’re currently on a 4G rural broadband plan but Fibre is now available through the Rural Broadband Initiative, you will almost certainly have a better experience by switching to a Fibre plan.

Why is rural broadband slow and expensive?

This is increasingly becoming a misconception. New Zealand’s rural community is extensive and is found in all corners of the country - over mountains, next to the coast and in the middle of sparsely populated regions. The cost of providing an internet connection is expensive, given the associated upfront and ongoing infrastructure costs. These costs are passed on to the users, who are rurally-based customers. 

Things are changing, however, and monthly rural broadband costs continue to fall as the technology available improves. 2degrees, Spark and One NZ have extended their 4G mobile networks to serve rural communities, which has meant Chorus (the government’s installer of copper internet cables) doesn’t need to lay cables. New mobile/wireless broadband coverage is being rolled out to tens of thousands of rural homes under the Rural Broadband Initiative Phase Two and the Mobile Black Spot Fund (RBI2/MBSF).

Is Fibre available in rural locations?

Yes – but it is limited as the government’s priority is delivering Fibre to rural schools, libraries, cell sites, hospitals and medical facilities, rather than agricultural locations. However, Fibre is also available for eligible farms and homes. To see where rural Fibre is available, check the Chorus broadband rollout map.
If Fibre is available, Chorus suggests talking to a broadband provider about availability, plans and installation costs. The cost of Fibre connections will depend on: 
  1. The distance from the closest exchange or cabinet and
  2. The density of properties in the area and 
  3. The distance from the road to your premises
 
Chorus states that if Fibre is unavailable, and you live within 6km from an exchange or cabinet, Chorus can deliver broadband services through the existing copper network. However, the closer you are to the cabinet, the faster the service. They mention that if you are close to one of the fibre-fed cabinets, you could get download speeds above 100Mbps.

How can I reduce the costs of Fibre installation?

The cost of installation partly depends on your proximity to the road connection, the greater the distance from the road connection to your premises, the more expensive the installation will be. If you can dig the trench yourself, the installation costs will fall (however it must be to an acceptable standard so Chorus can place the fibre cable). The simpler the location, the cheaper the installation cost and vice versa. To find out what the costs will be (and how to reduce them), contact your preferred rural broadband provider.

Related guides
  • Best Broadband Provider Comparison
  • ​Internet Speed Test
  • Wireless Nation Broadband Review
  • Farmside Broadband Review
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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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  • Travel Insurance
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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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  • Life Essentials
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    • Shopping Resources
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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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