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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Saily eSIM Data Roaming Review

Our guide explores this innovative data roaming service, now available to New Zealanders travelling abroad. Saily offers significantly lower data costs than traditional providers such as Spark, 2 Degrees, and One NZ.
Saily eSIM Data Roaming Review
Updated 11 November 2024

In this guide, we explain Saily, how eSIM plans work, how much plans cost, and the pros and cons of using their services. 

Our guide covers:
  • What is Saily and Can I Use Saily on My Mobile?
  • Saily eSim Plans and Prices
  • Comparison with Overseas Roaming Data Plans from 2 Degrees, One NZ and Spark
  • How Do I Buy and Use an eSIM Plan From Saily?
  • Pros and Cons of Saily
  • Frequently Asked Questions
​​
Know This First: What is eSIM? 
  • An Embedded SIM (eSIM) is a digital SIM that allows users to activate a mobile plan from a mobile network without needing a physical SIM card. Embedded directly into your device, eSIM technology simplifies the process of switching between mobile networks and managing multiple accounts.
  • Unlike traditional SIM cards, eSIMs are built into your smartphone, tablet, or wearable device, and can be reprogrammed as needed, offering unparalleled flexibility and convenience. Visit our eSIM guide to learn more about this technology.

Advertising disclosure: This review includes affiliate links. Should you click through and make a purchase, MoneyHub may earn a commission. Rest assured, we only partner with trusted providers whose services we have thoroughly evaluated and believe in. Notably, Saily offers competitively priced data roaming plans, significantly undercutting those available from NZ mobile networks. Our Advertising Policy explains more.
Visit Saily

What is Saily - eSIM Data Roaming Review

What is Saily?

​Saily is an innovative eSIM provider that offers seamless mobile services globally without the hassle of physical SIM cards. With Saily, users can activate and manage their mobile data plans directly through an app, making it an ideal choice for travellers, digital nomads, and anyone looking for an easy, flexible mobile connectivity solution.

Saily was designed by Nord Security, a leader in digital security solutions known for products like NordVPN. Saily caters primarily to international travellers, providing a wide range of flexible travel data plans across over 150 countries. It’s designed to replace the need for roaming packages from Spark, One NZ and 2 Degrees if you only need data roaming. The roaming plans offered by phone companies are almost always more expensive and arguably less flexible around data than what Saily offers. Saily ensures a quick setup and offers 24/7 chat support to help users maintain a steady and secure internet connection while abroad.
​
Much like VPNs, which safeguard your privacy on various networks, the eSIM technology Saily offers international travellers a secure and dependable internet connection. This makes it a convenient choice for staying connected seamlessly and safely during trips. As part of Nord Security's family, which includes the trusted (and MoneyHub-trusted) NordVPN, NordPass, and Incogni, Saily benefits from a strong pedigree in digital security and privacy. 
We have reviewed other Nord products in the past and consistently find them to provide good value. They are featured in our guides for the Best VPNs in New Zealand, Best password managers, and Best antivirus software. 

Please note: Saily offers data-only, country-specific plans. This means that you won’t get a local phone number from which to make or receive phone calls or texts; you will need to use a tool like Skype or some other VoIP software to place calls to local numbers. Your Saily plan is specific to the country selected, so for example, if you’re travelling around Europe and spend five days in Spain and six days in Italy, you won’t be able to use your Spain eSIM data in Italy; you’ll need to buy two different Saily plans: one for Spain and one for Italy.

Can I Use Saily On My Mobile?

​To use Saily, you need to have a device capable of eSIM. Saily has a comprehensive list of devices compatible with eSIM, but we mention below the models compatible with the major manufacturers. 

​
Most modern smartphones, including many Apple, Samsung, and Google models, support eSIM functionality. Here's a breakdown of compatible devices across major brands:
  • Apple: Starting with the iPhone XS, XS Max, and XR, all subsequent iPhone models, including the latest iPhone 12, 13, and 14 series, support eSIM. Apple's iPads, starting from the iPad Pro 11-inch (1st generation) and iPad Air (3rd generation), also support eSIM.
  • Samsung: Many of Samsung’s flagship devices, such as the Galaxy S20, S21, S22, and their respective Plus and Ultra models, along with the Galaxy Z Fold and Galaxy Z Flip series, offer eSIM compatibility.
  • Google: Google’s Pixel devices, starting from the Pixel 2, support eSIM, with newer models like the Pixel 5 and Pixel 6 series enhancing their eSIM capabilities.
  • Other Brands: Various models from Huawei, Motorola, Xiaomi, Sony and Oppo also embrace eSIM technology. 

To get an eSIM working without issues, you'll need to make sure your device’s firmware is updated to the latest version and not locked. Device manufacturers often provide detailed instructions on how to activate eSIM on their websites.

Which Countries Does Saily Cover?

  • ​Saily offers data-only, country-specific plans in over 150 countries across all continents.
  • As outlined above, you won’t get a local phone number from which to make or receive phone calls or texts. You will need to use a tool like Skype or some other VoIP software to place calls to local numbers. For most people who just need data and rely on WhatsApp, this won’t be an issue.
  • Please note that Saily does not offer regional or global plans at the moment; they are specific to the country selected. 
Visit Saily

Saily eSIM Plans and Prices

Saily eSIM Plans and Prices

  • ​We selected a handful of countries that are popular destinations for New Zealand travellers. Below are the prices of plans available for each country, with the amount of data and validity of each plan organised by region. 
  • Please note that while most mobile plans from New Zealand mobile networks include calls and texts to Australia, they do not usually include data roaming, so we have presented the data plan for Australia in our table as well:
Saily Review Data Plans
Region Country 1 GB (7 days) 3 GB (30 days) 5 GB (30 days) 10 GB (30 days) 20 GB (30 days)
Australasia Australia $3.99 $7.99 $10.99 $17.99 $29.99
Pacific Fiji $7.49 - - - -
North America United States $4.39 $9.89 $15.39 $25.29 $40.69
North America Canada $5.29 $12.99 $17.99 $30.99 $43.99
North America Mexico $5.99 $14.99 $22.99 $39.99 $69.99
South America Argentina $5.29 $9.99 $16.99 $29.99 $46.99
Europe United Kingdom $4.49 $8.99 $12.99 $19.99 $31.99
Europe France $3.99 $8.99 $11.99 $19.99 $31.99
Europe Italy $3.99 $8.99 $12.99 $20.99 $28.99
Asia-Pacific Japan $3.99 $6.99 $9.99 $15.99 $22.99
*All prices above are quoted in US dollars.

Comparison with regional plans from Airalo

  • ​As outlined above, Saily only offers country-specific plans, so if you’re travelling around Europe or Asia for example, you’ll need to buy a separate plan for each of the countries where you’ll want to use data on your mobile.
  • For reference, we also looked at the plans offered by Airalo (another provider that offers local, regional and global eSIM plans) and found that their regional plans are considerably more expensive for a similar amount of data when including additional countries in the region, which we show below:​
Saily vs Airalo Data Plan Comparison
Region Saily’s Local Plan Saily’s Local Price (10 GB) Airalo’s Regional Plan (10 GB) Airalo’s Regional Price Price Difference (Airalo’s Regional vs Saily’s Local Plans)
North America United States $25.29 Americanmex, 10 GB $46.00 82%
Europe Italy $20.99 Eurolink 10 GB $37.00 76%
Asia-Pacific Japan $15.99 Asialink, 10 GB $37.00 131%
  • The pricing above suggests that buying individual plans in each country visited would be more cost-effective than buying a regional plan that covers the same places with a similar data allowance.
  • Returning to the example of someone travelling around Europe, if they were to spend five days in Italy and six days in Spain and consume 5 GB of data in each country, buying two 5GB plans from Saily would cost around $25. In contrast, the regional 10 GB plan from Airalo that covers both Spain and Italy would cost $37.
Visit Saily

Comparison with Overseas Roaming Data Plans from 2 Degrees, One NZ and Spark

Comparison with Overseas Roaming Data Plans from 2 Degrees, One NZ and Spark

We have USD a NZD:USD FX rate of 0.60 and chosen relevant plan as examples from all providers.
Mobile Data Plan Comparison
Region Destination Saily 1 GB / 7 days (USD) Saily 1 GB / 7 days (NZD) 2 Degrees charge per day (NZD) One NZ Prepaid 1GB / 7 days (NZD) Saily 3GB / 30 days plan (USD) Saily 3GB / 30 days plan (NZD) Spark Prepaid 2 GB/14 days (NZD)
North America United States 3.99 6.66 8 17.25 8.99 15.01 25
Europe Italy 3.99 6.66 8 17.25 8.99 15.01 25
Asia-Pacific Japan 3.99 6.66 8 17.25 6.99 11.67 25
Asia-Pacific Australia 3.99 6.66 8 17.25 7.99 13.34 25
Roaming on pay-monthly plans
  • 2 Degrees offers roaming services aimed at customers on their pay-monthly plans for $8 per day per device, One NZ  charges $9 for that service. This allows up to 1GB of data per day at full speed, after which the speed drops to 128 Kilobytes per second. These plans include the ability to send and receive texts or calls while abroad. Please keep in mind this charge is per day (0:00 to 23:59 NZ time) and independent of how much data is used.
  • Saily offers a 1GB data-only plan for less than $8 NZD across these regions. This fee is a one-time charge, and the data remains available until fully used or until the end of the 7-day period. Additionally, the connection speed is not throttled, and the plan allows other devices to connect to the internet via hotspot from the mobile device using the Saily plan.

Roaming on prepaid plans
  • Spark offers a prepaid plan of 2 GB that can be used over a period of 14 days for the countries mentioned above. If the roaming plan is not selected, data is charged at $11.50 for a block of 200MB (1GB would require 5 data blocks, costing $57.5).
  • One NZ offers roaming prepaid data-only plans of 1 GB for $17.25.
  • Saily’s plans are considerably cheaper than both Spark and OneNZ. Saily’s 3GB plan is priced lower than Spark’s 2GB offer while also allowing for a longer period of use, up to 30 days. When assessing cost and duration, Saily’s larger data package presents a potentially more economical option for users with extended data needs or longer travel plans, compared to the cost per GB of Spark’s prepaid plan, and much cheaper than the aggregate expense of multiple 200MB blocks.

How Do I Buy and Use an eSIM Plan From Saily

How Do I Buy and Use an eSIM Plan From Saily?

​We outline the steps you would follow to purchase, install and activate your eSIM plan with Saily:

Buying a Saily eSIM:
  1. Check compatibility: Verify that your mobile is compatible with eSIM.
  2. Download the Saily App: Go to the App Store or Google Play Store, search for the Saily app, and install it on your device.
  3. Register: Open the Saily app and sign up using your Google account or Apple ID.
  4. Select Your Travel Destination: In the app, choose which country you will be visiting.
  5. Choose a Data Plan: Look through the data plans offered for your destination and pick one that matches your needs and the length of your stay.
  6. Complete Your Purchase: Use the app to securely pay for your plan with Google Pay or a credit/debit card (Visa, MasterCard, AMEX). 
  7. After purchasing, your eSIM will appear under the eSIMs tab in the app, which is also where the activation process starts.

Activating a Saily eSIM:
  1. Access Your eSIMs: Open the Saily app and go to the eSIMs section.
  2. Start Activation: Find and tap the activation button, which will be marked as Activate eSIM or Install eSIM.
  3. Install eSIM Profile: By clicking the installation button, you will be redirected to your phone settings to install the eSIM profile. This might involve responding to some prompts.
  4. Finalise Activation: After the eSIM installation, return to the Saily app and activate your data plan. Activation is usually instant, so do this when you have an internet or WiFi connection but as close to your departure as possible.
  5. Enable Mobile Data: Follow the in-app instructions to enable the eSIM for mobile data in your phone settings.

Once these steps are completed, your Saily data plan will be ready to use abroad. If you encounter any issues, you can contact Saily's customer support.
Visit Saily

Pros and Cons of Saily

Pros and Cons of Saily

​Pros:
  • Lower Roaming Charges: Saily's eSIM allows you to access local mobile networks overseas and avoid expensive NZ network roaming fees for data.
  • Flexible Plans: Choose plans that match your trip duration and data needs, like a 7-day, 3 GB plan for a short stay, which can help you save money.
  • Enhanced Security: eSIMs can reduce cybersecurity risks by preventing unauthorized SIM use and avoiding the need to use public WiFi connections.
  • Multiple Profiles: Store several profiles on one device, easily switching between mobile networks without physical SIM swaps.
  • Eco-Friendly: Using an eSIM means less plastic waste than traditional SIM cards.
  • Global Coverage: Saily is available in over 150 countries.
  • Ease of Use: The app is intuitive and works on both Android and iOS platforms.
  • Quick Activation: Setting up and activating your eSIM takes just a few minutes.
  • Transparent Pricing: No hidden charges to worry about.
  • Customer Support: Access to 24/7 live chat support for any inquiries or issues.
  • Tethering Capability: Supports the use of a mobile hotspot for sharing your data connection.

Cons:
  • Data-Only Service: Saily does not support traditional phone calls or SMS.
  • Initial Setup Requirement: You need an internet connection to set up the eSIM.
  • No Regional plans: If you’re visiting more than one country during your trip and want to use mobile data, you’ll need separate plans for each country.

Saily FAQs

Frequently Asked Questions

Our list of common queries is comprehensive, but if you have any other questions, you can visit Saily's help centre.

When does my eSIM data package begin?

Your eSIM data plan will only start once you activate your plan within the app. Simply installing the eSIM does not trigger the start of your data usage period. Keep in mind: If you don't manually activate your plan via the Saily app, it will automatically activate 30 days after purchase.

When does my eSIM data package end?

The data package will end either when the allotted time frame runs out or when you have used all the data provided in your plan, whichever comes first. Generally, eSIM data packages last for either seven or thirty days from activation. However, if you consume all the data included in your package before this period is over, you will not be able to use the plan any longer, even though it's not technically expired.

How do I check my current data usage?

To monitor your data usage:
  1. Launch the Saily app.
  2. Navigate to the "My eSIMs" section.
  3. Look for the "Data used" information to see your usage.

When should I activate my data plan?

Although you can activate your eSIM any time after your purchase, it's advisable to do so one day before your trip starts, considering that an internet connection is required to activate the plan. Activation happens instantly when you click "activate".

How many Saily eSIMs can I install?

Depending on your device's capability, you can install multiple Saily eSIMs. For instance, some iPhone models can accommodate up to ten eSIM profiles, whereas many Android phones can hold up to seven. It's important to note that while you may install several eSIMs, you can generally only use two of them actively at the same time.

Can I install the same eSIM on multiple devices?

You cannot use the same eSIM on more than one device simultaneously. However, you can transfer the eSIM to another device, but only after removing it from the first device. This action will allow you to reinstall it on a different device via the Saily app.

Can I use tethering (a personal hotspot)? Are there limits?

Yes, you can use a personal hotspot with your device as you would with a traditional SIM card. Saily does not limit the speed or amount of data used through hotspotting or tethering to other devices.

Which network provides the connectivity once my eSIM is activated?

1Global is the network provider for Saily, offering connectivity in over 150 locations worldwide.

Can I access all apps and websites with my eSIM mobile data?

The Saily eSIM lets you access all apps and websites, unless there are location-based or security restrictions. For instance, certain websites might be inaccessible from your current location.​​

How can I find out if my device supports eSIM?

To determine if your device is compatible with eSIM, consult your manufacturer or refer to Saily's list of eSIM-compatible devices.
Visit Saily

Related Guides:
  • ​eSIMs Explained
  • Roaming Options

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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • NZCB Review
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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  • Law
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
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      • The Four Percent Rule
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      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
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      • Bankruptcy Guide
    • Tax
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      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
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      • HelloFresh Review
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      • Supermarket Christmas Clubs
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Printers
      • Best Computer Desks
      • Best Antivirus, Anti-Malware and Internet Safety Habits
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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