MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • 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
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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Sharesies vs Tiger Brokers - What share investment platform is best for you?

Our comparison of Sharesies and Tiger Brokers looks at the features, fee structures, key similarities and differences, and frequently asked questions about both platforms and investing in general.
Sharesies vs Tiger Brokers Comparison NZ
Updated 25 April 2025

​A Summary of Our Comparison:
  • DIY investing has become a common pastime. However, with this increase in trading volume has come a significant number of players in the share trading market. Both local and international start-ups have entered the market to try and compete for New Zealand's investing community. However, with many different options, it can be hard to understand which share trading platforms are best.
  • One of the most popular share platforms for New Zealanders is Sharesies. On the other hand, Tiger Brokers is a relatively new entrant to the New Zealand market and has been extremely active with marketing and outreach to push their new and improved platform.
  • So, which platform is better? This guide compares and contrasts Sharesies and Tiger Brokers to understand the benefits and drawbacks of each. We walk through the top facts you need to know and the most frequently asked questions that New Zealanders have regarding Tiger Brokers and Sharesies.
​
Know This: It's important to note that while this guide compares Tiger Brokers and Sharesies, the comparisons and analysis have been kept to a relatively high level. For more in-depth information about legal or fee structures, we've included hyperlinks to their respective websites that provide a more detailed review.

Our guide covers:
  • Our Overview of Each Platform
  • Tiger Brokers Platform, Features and Fee Structure
  • Sharesies Platform Products, Features and Fee Structure
  • Key Similarities between Tiger Brokers and Sharesies
  • Key Differences between Tiger Brokers and Sharesies
  • Conclusion
  • Frequently Asked Questions

Disclaimer: MoneyHub is not a Financial Adviser, and this comparison guide has been published to explain the investment fundamentals and outlines the pros and cons of Sharesies and Tiger Brokers (NZ) as investment platforms.

In the interests of full transparency, MoneyHub has a financial relationship with Tiger Brokers (NZ) for promotional purposes. This does not influence our analysis or opinions. As with any investing app, investing in shares, ETFs, options, and futures carries risks, and past performance is not indicative of future results.

Sign-up bonus: In discussions with Tiger Brokers (NZ), their team has advised that there is a NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit, alongside other benefits.

Sharesies
Read our comprehensive Sharesies Review

Best for:
  • Investors at the start of their investment journey
  • Investors looking for small regular investing and the option to invest in managed funds
  • Low-value investing (e.g. below $500)
  • Children wanting to increase their financial literacy
Visit Sharesies
Tiger Brokers
Read our comprehensive Tiger Brokers (NZ) Review

Best for:
  • New Zealanders looking for high-value investments
  • Advanced investors who need a wider range of offshore investment products
  • High-volume investors and traders
  • Options and futures traders 
Visit Tiger Brokers (NZ)

Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2024 Editor's Choice Awards:

  • ​Tiger Brokers (NZ) is a low-cost broker. Currently, the broker offers the lowest commissions, 0.35% FX fees and free level-2 data on US-listed shares and ETFs. For US shares, it's a lower-cost alternative to Hatch, Sharesies, Stake and Interactive Brokers.
  • The company offers access to US, Hong Kong, Singaporean and Australian stock markets and China A-Shares. Altogether, over 7,000 shares are listed on the platform.
  • Exclusive sign-up benefits: In discussions with Tiger Brokers (NZ), their team has advised us that anyone signing up via MoneyHub will receive the following:
  1. Zero transaction fees (e.g. brokerage fees) four times for US and ASX shares every month, for life.
  2. Zero currency exchange fees for the first NZ$2,000 of currency exchanged every month, for life (NZD to/from USD and AUD)
  3. A NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit.
  • Our view is simple: With all other platforms charging fees (Stake, Hatch, Sharesies, Superhero etc.) for FX and/or share brokerage/transaction, Tiger Brokers' offer is unrivalled in New Zealand.

MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is focused on global investing, and at a time when some other platforms have raised their fees, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. Tiger Brokers is the only global online player to have a local Auckland-based team and to be regulated in New Zealand. It focuses on delivering low fees to global market investors looking to build wealth using shares, futures and options. It continues to innovate and has recently launched auto-invest, fractional shares and its own TigerGPT investment chatbot."
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

Sharesies vs Tiger Brokers NZ

Our Overview of Each Platform

Tiger Brokers
Tiger Brokers New Zealand was established in 2015 predominantly to cater to offshore clients, but now heavily targets the New Zealand retail mass market. The Tiger Trade app is Tiger Broker's New Zealand share trading platform that can be accessed on your phone or computer. In addition, Tiger Brokers offers a wide range of investments across multiple regions worldwide. Tiger Brokers allows New Zealanders to invest in stocks listed in the United States, Australian, Singapore, Hong Kong, and China stock markets, as well as financial derivatives like Options and Futures contracts.
​
Tiger Brokers New Zealand is related to the international parent company of Tiger Brokers, known as Up Fintech Holdings. Up Fintech Holdings is publicly listed on NASDAQ under the stock ticker TIGR.
Sharesies
Sharesies is one of New Zealand's most popular share investing platforms. Sharesies have the mission of creating financial empowerment for their users, offering the same opportunities to those with $5 or $5 million. Sharesies allow all New Zealanders to invest in stocks listed in New Zealand, Australia and the United States for as little as $1 through their fractional share functionality.
​
Sharesies was founded in New Zealand and is based out of Wellington. Sharesies is predominantly focused on growing its New Zealand user base. However, Sharesies has now expanded into Australia, competing with the likes of Superhero, Selfwealth and Pearler. Sharesies is a privately held company with over $50 million in venture capital funding from Icehouse Ventures, Amplo and others.

Sharesies vs Tiger Brokers NZ

Tiger Brokers Platform, Features and Fee Structure

Tiger Brokers Products

  • Tiger Brokers provides investment products in many different markets, including stocks, exchange-traded funds (ETFs), US OTC stocks, options, futures, warrants, CBBCs and REITs.
  • It provides these products in global markets such as the United States (through the NYSE, NASDAQ, AMEX and CME as examples), Australia (through the ASX), Hong Kong (through the HKEx), Singapore (through the SGX) and China (through the Shanghai Stock Exchange and Shenzhen Stock Exchange via HKEx).
  • Important: Options and futures can be complicated and are usually only suitable for experienced traders who fully understand the inherent risks associated with trading these derivatives.
  • Additionally, Tiger Brokers provides advanced technical analysis, live streaming data, and in-depth market information so buyers can get the most up-to-date information for their trades, pre-market and post-market trading hours for the US market – meaning you can trade for up to 16 hours every day, and much more.
  • Sign-up bonus: In discussions with Tiger Brokers (NZ), their team has advised that there is a NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit, alongside other fee benefits.

Tiger Brokers Features and User Interface

  • The Tiger Brokers platform (Tiger Trade) has a wide range of functionality that investors can take advantage of. The platform has a lot more functionality and customisation compared to Sharesies. At first glance, the interface can look complicated, but after a few uses of the app, the value of the additional features and functions is evident.
  • With seven order types available, including limit orders, market orders and stop-loss orders, detailed company information, technical analysis overlay for stocks and multi-chart layout, the Tiger Trade app is more comprehensive than the simplistic layout of the Sharesies app.
  • The Tiger Trade app also offers a live demo account (known as "paper trading") that is available to all registered users. This demo account is automatically loaded with US$100,000 and allows New Zealand investors to familiarise themselves with the trading platform before investing real money into the financial markets. The user interface on IOS and Android is sleek, user-friendly, and customisable.
  • Tiger Brokers also has a detailed 'Features' comparison page that lists out some of the most important differences that investors should be familiar with.

Tiger Brokers Fees

  • Tiger Brokers do not charge any fees to register, open an account and trade. Instead, Tiger Brokers charges a flat minimum amount per order (depending on the exchange you're buying/selling on) and either a percentage of the total trade value or a flat rate per share.
  • For US stocks and ETFs, there is a minimum $2 per order (flat fee to buy or sell up to 200 shares and USD 0.01 for every additional share after that per transaction) and pass-through fees apply.
  • When it comes to buying and selling stocks, Tiger Brokers is very cost-effective versus local competitors. Tiger Brokers has very competitive pricing compared to other competitors in the New Zealand brokerage platform space (such as Sharesies, Hatch, Stake and Invest Direct). Tiger Brokers has a detailed 'How we compare' chart on their website, that details the fees that will be paid at different investment values, e.g. $100, $500, $1,000, etc.
  • For more details on the fees and commissions across all the markets associated with Tiger Brokers, check out their page on it here.

Sharesies vs Tiger Brokers NZ

Sharesies Platform Products, Features and Fee Structure

Sharesies Products

  • Sharesies provides access to a variety of products on the New Zealand Stock Exchange (NZX), Unlisted New Zealand Managed Funds, Australian-listed (ASX) stocks and ETFs, as well as stocks and ETFs listed in the United States (through the NYSE, NASDAQ and CBOE for example). ​

Sharesies Features and User Interface

  • ​Sharesies have a flexible structure when it comes to investing, as the platform doesn't have a minimum required investment amount to purchase stocks. This flexibility is primarily driven by their ability to offer fractional shares (they're able to offer you ownership in stock by "slicing" up the stock into smaller portions).
  • Note that while you're the legal owner of the shares, Sharesies will retain "custody" of your shares, given the underlying mechanics of fractional shares. For more information on fractional shares and ownership structure, check out the Sharesies post here.
  • Having no minimum investment amounts is arguably helpful for beginner investors or those not initially intending to put a lot of money/capital into the financial markets. This lack of minimum amount creates a low barrier to entry for New Zealanders to get into investing and learn more about stocks and ETFs.
  • Regarding the user interface, Sharesies has a simple user interface that makes it easy to see how much money you've got with Sharesies, what you're invested in and which potential stocks you can invest in.

Sharesies Fees

  • Sharesies don't charge any annual fees to become and stay a member. Instead, Sharesies charges up to $5 for US share trades, up to $15 for ASX share trades and up to $25 for NZX share trades.
  • Sharesies has a different brokerage fee structure for each public stock exchange you purchase shares on. For example, additional transaction charges of 1.90% when buying shares on the New Zealand Stock Exchange (NZSE), United States Stock Exchanges and the Australian Stock Exchange. These fees are capped at NZ$25, US$5 and AU$15 per order respectively.
  • Monthly plans: Sharesies offers three monthly plans designed for regular investors seeking to save on fees and maintain their investing habits. Plans range from $3 to $15 per month, with each tier providing a higher limit of transaction fees covered for buy and sell orders, as well as auto-invest orders. Users can change or cancel their plans at any time, and once the coverage limit is reached, a 1.90% transaction fee applies until the plan renews.
  • For more information on the Sharesies fee structure (including monthly plans), you can get a detailed breakdown of their pricing here.

Sharesies vs Tiger Brokers NZ

Key Similarities between Tiger Brokers and Sharesies

Sharesies vs Tiger Brokers NZ

Both platforms have no minimum investment amounts.

Both Sharesies and Tiger Brokers have no minimum investing amounts when stock investing. However, it's important to know that both will charge fees on the order or total transaction volume. For example, Tiger Brokers charges a flat brokerage charge of US$1.99 per order on shares trading in US exchanges. In contrast, Sharesies will charge 1.09% on the total transaction volume of US shares (as well as other potential fees such as ADR pass-through fees, currency conversion charges etc.) with a cap of US$5.

Know This: Technically you could invest one cent in the US market with both platforms (however, you will need to pay additional fees to have the trade executed).

Sharesies vs Tiger Brokers NZ

Both platforms have a wide variety of funding methods.

Both platforms are relatively easy and fast to fund your accounts. Sharesies and Tiger Brokers have multiple funding methods, whether through traditional bank transfers or POLi. Both methods are relatively quick and easy to complete. Some methods lead to instantaneous transfers, but other methods may take up to three business days to complete.

However, Tiger Brokers offers an additional method of funding through NZ-owned Akahu, which utilises open banking infrastructure to allow users to better control and transfer their funds to their accounts. Once you have verified your bank account through Akahu, you will be able to deposit funds to your Tiger Brokers account instantly. For more information on the collaboration between Akahu and Tiger Brokers, check out this post here.

Additionally, the Sharesies platform is unique in allowing users to fund their accounts through a debit or credit card. However, it's important to note that these funding methods may have additional costs and fees compared to others.
Sharesies vs Tiger Brokers NZ

Both platforms are relatively fast and easy to set up an account.

The sign-up process for both Tiger Brokers and Sharesies is extremely quick. You'll likely only need a form of identification (such as a passport or driver's licence), bank account, IRD number, and address to get started.

While the validation process can take a few days, both platforms make it seamless and easy to sign up and automate all the relevant KYC (Know Your Client) and AML (Anti-Money Laundering) requirements set out by the FMA (Financial Markets Authority).

Sharesies vs Tiger Brokers NZ

Both platforms provide robust online customer support.

Both Tiger Brokers and Sharesies have relatively intuitive and responsive customer support channels. The easiest way to contact Sharesies is through phone, direct email and social media. Tiger Brokers has an extensive FAQ (Frequently Asked Question) section and their customer service team is available by phone from 9:30am to 5:30 Monday-Friday and a general email which aims to respond to all customer queries within 1 working day.
Sharesies vs Tiger Brokers NZ

Both platforms offer competitive foreign exchange rates and brokerage fees.

Generally, both platforms offer great value for money when purchasing securities. However, small differences do exist:
  • Both platforms have an FX fee for transferring NZD into the relevant currency; for example, to trade in the US markets, you need to have USD in your account, and to trade in the ASX market, you need to have AUD in your account. Tiger Brokers will usually be cheaper when purchasing offshore stocks, but Sharesies will be more competitive in other areas.
  • Tiger Brokers offers better foreign exchange rates on the NZD/USD pair; 0.35% versus 0.50% for Sharesies but higher foreign exchange rates for NZD/AUD pair, 0.59% versus 0.50% for Sharesies.
  • Still, it will depend on the total transaction value to determine whether Tiger Brokers offers a better brokerage rate. From the 'How we compare' page on the Tiger Brokers website, they have given examples of how they are the cheaper option compared to Sharesies when the value of the trade is more than US$500.
  • Generally, buying small amounts on Sharesies will work out cheaper due to the minimum amount of US$1.99 per order at Tiger Brokers. However, at higher volumes and transaction values, our view is Tiger Brokers is more cost-efficient.
  • Both platforms are extremely cost-efficient compared to competitors like ASB Securities.
Sharesies vs Tiger Brokers NZ

Both platforms have a sleek mobile app.

Both Tiger Brokers and Sharesies provide a mobile app on IOS and Android. Both mobile apps allow users to trade securities easily, check their portfolio balance and view insights of the stocks, ETFs and other financial derivatives that have been invested in.

Tiger Brokers additionally has an active community tab in their app, where users regularly post updates of their portfolio and share their opinion on what is happening in various stock markets and companies.
​

Tiger Brokers also offers a desktop version of the Tiger Trade app.
Sharesies vs Tiger Brokers NZ

Both platforms offer fractional shares

Tiger Brokers has recently introduced the fractional shares function for US shares on their platform. Fractional shares for Tiger Brokers are only available when buying US shares, whereas, for Sharesies, it is available for US, AU and NZ shares.

Sharesies vs Tiger Brokers NZ

Key Differences between Tiger Brokers and Sharesies.

Sharesies vs Tiger Brokers NZ

The Clearing House for US shares

Sharesies uses DriveWealth to offer US shares. If something were to happen to either Sharesies, you'd likely be given sufficient notice to withdraw your funds or transfer your shareholding from DriveWealth to another US-based broker.

If DriveWealth were to become insolvent, US regulation ensures that investors are insured on the security (stocks, bonds, etc.) and monetary value of their holdings up to a certain threshold. This limit is usually a minimum of c. USD 250,000 will depend on the level of protection the brokerage platform has under the relevant regulation, such as whether the brokerage platform has SIPC (Securities Investor Protection Corporation) coverage. From what we can tell, this information has not been disclosed by Sharesies.

On the other hand, Tiger Brokers uses a subsidiary of their NASDAQ-listed ultimate holding company, Up Fintech Holding, as the clearing house for their US securities. The company that makes these trades is TradeUP Securities, Inc. which is a licensed entity registered with the SEC (No.: 8-36754), member of the FINRA (CRD: 18483), member of the SIPC, member of the Depository Trust Company (DTC) and the National Securities Clearing Corporation (NSCC), and regulated by FINRA and SEC.
​

Tiger Brokers uses an in-house company as their clearing house and therefore has more control over the function and future of this offering.
Sharesies vs Tiger Brokers NZ

Tiger Brokers provides better access to international markets.

Given the significant size of Tiger Brokers and its prevalence in international markets outside Australia and New Zealand, Tiger Brokers offer much greater access to the absolute number of offshore markets, types of securities and level of derivatives.

For New Zealanders looking to invest in securities in offshore markets like Hong Kong, Singapore or China, Tiger Brokers will be able to provide that international access that Sharesies currently does not offer (and may never offer due to regulatory or financial considerations).
​

This increased access isn't to say that investing in offshore markets is better than onshore. On the contrary, there are several financial, tax and analytical considerations when investing offshore. Additionally, having more investments in offshore markets becomes more complex to manage when it comes to foreign exchange, FIF (Foreign Investment Fund) tax and ultimate ownership implications.
Sharesies vs Tiger Brokers NZ

Sharesies have functionality for children/kids to improve their financial literacy.

While Tiger Brokers has many benefits, its platform is tailored toward investors with a moderate understanding of their actions. As a result, Tiger Brokers would, for example, not be suitable for children.

This functionality contrasts with Sharesies, which has carved out a segment specifically for kids' accounts. Not only is this useful for the children, but it is also a great way for parents to support their children's financial future actively. Sharesies also has an automatic investing function that lets New Zealanders set a specific amount they would like to invest in the financial markets each month (which can also apply to the child's accounts). For more information on auto-investing for children, check out this post from Sharesies.
Sharesies vs Tiger Brokers NZ

Tiger Brokers offers live market trading – Sharesies only offers delayed market trading (unless you pay for a $15/month plan).

Sharesies and Tiger Brokers both offer pre-market, post-market, and market trading hours to their customers. This means that clients will be able to make trades for 16 hours of the day, from 9:00PM to 1:00PM the next day.

Tiger Brokers offers live prices, which gives you more opportunities to buy and sell stocks throughout the day if you see an opportunity, and therefore gives you more flexibility over your portfolio. 

With Sharesies, live US pricing is a feature of their $15/month plan.
Sharesies vs Tiger Brokers NZ

Sharesies offers access to the New Zealand Stock Exchange, whereas Tiger Brokers does not.

One downside to international brokers, such as Tiger Brokers is that they lack access to the New Zealand Stock Exchange (NZX). However, given Sharesies is domiciled in New Zealand, it is much easier for these platforms to offer access to New Zealand-listed stocks and ETFs. This offering is one of the main benefits of using Sharesies over Tiger Brokers; however, this is not to say that Tiger Brokers will not offer the New Zealand Stock Exchange (NZX) one day soon. With a local Tiger Brokers office in Auckland and the range of markets they currently offer, it would be expected that they will be able to offer access to the NZX at some point. However, right now, whether you're keen to buy Fisher and Paykel Healthcare or Fonterra, Sharesies will provide this opportunity where international brokers like Tiger Brokers currently fall short.
Sharesies vs Tiger Brokers NZ

Tiger Brokers has better access to advanced technical analysis and fundamental market data.

While both platforms have a base level of research and analytics behind their platforms, Tiger Brokers has a more in-depth mobile app and a significantly deeper level of insight when it comes to analysing specific securities.

Whether it's recent market news, candlestick charts, analyst ratings or financial statements, Tiger Brokers has a much more in-depth view of a wider range of securities. While some may find this overwhelming (hence why the Sharesies app is great for beginners because of how easy it is), Tiger Brokers will offer a much better user experience for intermediate to advanced investors.
​

Tiger Brokers has also been introducing a 'Lite' version of the Tiger Trade app over the last few months to meet the needs of "beginner" investors and to cater to a wider range of investors.
Sharesies vs Tiger Brokers NZ

Sharesies is majority owned by a number of New Zealand private investors, whereas offshore investors mainly own Tiger Brokers.

Sharesies is privately owned with the aid of nearby New Zealand investors and was founded in New Zealand. The ultimate holding company of Tiger Brokers is publicly listed on the NASDAQ Exchange and was founded in China.
​

Both platforms utilise custody accounts to ensure that there remains a separation between the customer's capital and the broker's capital. In addition, both companies have strong financial and reporting teams to ensure these records are kept up to date.
Sharesies vs Tiger Brokers NZ

Tiger Brokers consistently offers promotions and bonuses, whereas Sharesies does not.

Tiger Brokers has been heavily marketing its platform with attractive sign-up bonuses relative to other brokerage platforms. This includes the current promotion of $30 stock vouchers that apply/get rebated after you purchase stocks and $10 referral amounts for inviting your friends. As well as previous promotions this year for giveaways of shares after minimum deposits, and also offering commission vouchers on US stocks and ETFs and lifetime commission-free trades on US stocks and ETFs.

​In contrast, Sharesies rarely run promotional sign-ups; the one consistent promotion they have run is a $5 refer-a-friend campaign. Moreover, when they do, the dollar value is usually much smaller than other brokerage platforms like Tiger Brokers.

Sharesies
Read our comprehensive Sharesies Review

Best for:
  • Investors at the start of their investment journey
  • Investors looking for small regular investing and the option to invest in managed funds
  • Low-value investing (e.g. below $500)
  • Children wanting to increase their financial literacy
Visit Sharesies
Tiger Brokers
Read our comprehensive Tiger Brokers (NZ) Review

Best for:
  • New Zealanders looking for high-value investments
  • Advanced investors who need a wider range of offshore investment products
  • High-volume investors and traders
  • Options and futures traders 
  • Sign-up bonus: In discussions with Tiger Brokers (NZ), their team has advised that there is a NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit, alongside other fee benefits.
Visit Tiger Brokers (NZ)

Sharesies vs Tiger Brokers NZ

Our Conclusion

Summary
  • Sharesies and Tiger Brokers run investing platforms that offer cost-competitive offerings for many investment products in multiple markets.
  • While there are slight nuances regarding fees, market access, and product features, both platforms offer an easy-to-use solution for New Zealand investors of all experience levels.
  • Based on our research and market observations, Sharesies might be better for New Zealanders at the start of their investment journey who are investing smaller amounts and more focused on learning about stocks, ETFs and the basics of investing. Additionally, Sharesies is a strong offering for those looking to teach their kids financial literacy or those with lower account balances. Additionally, if you're interested in buying New Zealand shares, Sharesies is a clear choice, as Tiger Brokers doesn't offer this currently.
  • Beyond Sharesies, our view is that Tiger Brokers has more functionality for those looking for more advanced products, those looking to invest in a wider range of offshore investment products or those who are transacting at higher dollar amounts or stock volumes. Tiger Brokers will likely become a popular platform to move to for many New Zealanders once they get more experienced and want to connect to a global investor community. Being listed on the NASDAQ Exchange with almost 10 million users worldwide, Tiger Brokers brings an international angle that Sharesies doesn't have.

Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2024 Editor's Choice Awards:

  • Tiger Brokers (NZ) is a low-cost broker. Currently, the broker offers the lowest commissions, 0.35% FX fees and free level-2 data on US-listed shares and ETFs. For US shares, it's a lower-cost alternative to Hatch, Sharesies, Stake and Interactive Brokers.
  • The company offers access to US, Hong Kong, Singaporean and Australian stock markets and China A-Shares. Altogether, over 7,000 shares are listed on the platform.
  • Exclusive sign-up benefits: In discussions with Tiger Brokers (NZ), their team has advised us that anyone signing up via MoneyHub will receive the following:
  1. Zero transaction fees (e.g. brokerage fees) four times for US and ASX shares every month, for life.
  2. Zero currency exchange fees for the first NZ$2,000 of currency exchanged every month, for life (NZD to/from USD and AUD)
  3. A NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit.
  • Our view is simple: With all other platforms charging fees (Stake, Hatch, Sharesies, Superhero etc.) for FX and/or share brokerage/transaction, Tiger Brokers' offer is unrivalled in New Zealand.

​MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is focused on global investing, and at a time when some other platforms have raised their fees, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. Tiger Brokers is the only global online player to have a local Auckland-based team and to be regulated in New Zealand. It focuses on delivering low fees to global market investors looking to build wealth using shares, futures and options. It continues to innovate and has recently launched auto-invest, fractional shares and its own TigerGPT investment chatbot."
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

For more information on our brokerage platform reviews, check them out here:
  • Tiger Brokers Review
  • Sharesies Review
  • Hatch Review
  • Stake Review
  • Interactive Brokers Review
  • Invest Direct Review
  • ASB Securities Review
  • InvestNow Review

For more information on our brokerage platform comparisons, check them out here:
  • Best New Zealand Investment Apps
  • Sharesies vs Hatch vs Stake
  • Sharesies vs InvestNow vs Hatch vs ASB Securities vs Invest Direct
  • Hatch vs Stake

Sharesies vs Tiger Brokers NZ

Frequently Asked Questions

How do brokers make money? How can some brokers provide commission-free trading? Am I getting ripped off somewhere?

While most brokerage platforms generate revenue through a few means:
  • Taking a flat or percentage fee of the total trade value
  • Taking a fee from currency exchange
  • Annual account fees as a result of holding an account with the brokerage platform
  • Other revenue-generating services from third parties (through things like cross-selling or earning commissions through referrals to other companies)

​Some platforms, such as RobinHood and even Tiger Brokers, during a promotion earlier this year, offer lifetime commission-free trading.
​

However, commission-free brokers still have costs and aren't run as charities. The main way they generate revenue is by selling the market data they generate (the market "orders" that their clients put through) to "market makers" (a fancy term for trading houses that match up buyers and sellers) such as Citadel, IMC or Optiver. The market makers can then profit on these orders at the margin (normally by being one-millionth of a second faster to conduct the trade than competitors). This "Payment for Order Flow" (the term used by Robinhood to describe their business model) is how most commission-free brokers earn revenue.

How long will it take me to open an account on Sharesies or Tiger Brokers?

The online registration process for Tiger Brokers and Sharesies is extremely easy and fast. The online registration process can take anywhere from five to fifteen minutes. However, there may be a delay between when you finish the online registration process and when you can place your first trade. Companies need to undergo KYC (Know Your Client), AML (Anti-Money Laundering) and other relevant protocols to ensure their new users comply with all regulations.
​

Additionally, funding your account may take up to three business days, depending on the method you pick (bank transfer, credit/debit card, POLi, or through an open banking API like Akahu).

Can I invest in New Zealand shares with Tiger Brokers?

Tiger Brokers does not currently provide access to the New Zealand Stock Exchange. However, this doesn't mean you can't buy some specific New Zealand stocks on Tiger Brokers through the ASX. Many New Zealand companies are either listed on the ASX or dual listed on the ASX and NZX. For example, you can purchase A2 Milk or Air New Zealand shares on the ASX and NZX. Therefore, you could get exposure to both companies that are available on the NZX through Tiger Brokers by investing in them through the ASX.
​

In other instances, New Zealand companies may only be listed on the ASX and not on the NZX. An example is New Zealand-founded Xero, which was initially listed on the NZX but was delisted from the NZX and opted for a single listing on the ASX.

I'm concerned with my privacy, given Tiger Brokers was founded in China. Is my private information at risk with Tiger Brokers?

Tiger Brokers in New Zealand trades under Tiger Fintech (NZ) Limited and is a client money and property services provider under the Financial Markets Conduct Act 2013 and adheres to various financial service laws in New Zealand. They also have a detailed privacy policy that is available to view on their website, which details how they use and protect your information, etc. The ultimate holding company, Up Fintech Holding, is listed on the NASDAQ, and this status as a listed company means it has to uphold the same standards as all other publicly listed companies in the US. These rules also include foreign ownership and privacy provisions against using personal data. As a result, Tiger Brokers is not treated any differently from other publicly listed companies on NASDAQ, regardless of where the company originated.

While there's nothing certain in the financial markets, it can be reasonably assured that given Tiger Brokers' status in New Zealand and listed status on NASDAQ, we are confident that you can expect a high level of protection of your private information.

Check this page here for more information on Tiger Broker's Privacy Policy. ​

What has better customer service - Sharesies or Tiger Brokers?

It depends what you need. While Tiger Brokers is an international stock brokerage company, they have invested heavily in the New Zealand market and have a large team (30+ employees) working in their Auckland office. As part of our review process, Tiger Brokers confirmed with our research team that "they aim to answer all customer-related emails within 1 working day, have a live chat service that is accessible via the Tiger Trade app, or Tiger Brokers website, and have a skilled client services team that is ready to answer any queries you may have over the phone, operating from 9:30am to 5:00pm from Monday to Friday". Beyond this, they also stated that they welcome "anybody to visit their office on Queen Street, Auckland to meet the team and offer in-person help to anyone that requires it".
​

Sharesies, which operates predominately out of Wellington, also aims to answer customer queries via email or social media within one working day; however, they do not have a live chat service or phone number for customer queries available to the public.

Sharesies
Read our comprehensive Sharesies Review

Best for:
  • Investors at the start of their investment journey
  • Investors looking for small regular investing and the option to invest in managed funds
  • Low-value investing (e.g. below $500)
  • Children wanting to increase their financial literacy
Visit Sharesies
Tiger Brokers
Read our comprehensive Tiger Brokers (NZ) Review

Best for:
  • New Zealanders looking for high-value investments
  • Advanced investors who need a wider range of offshore investment products
  • High-volume investors and traders
  • Options and futures traders 
  • Sign-up bonus: In discussions with Tiger Brokers (NZ), their team has advised that there is a NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit, alongside other fee benefits.
Visit Tiger Brokers (NZ)

Tiger Brokers (NZ) is our Favourite Low-Cost Shares Platform in our 2024 Editor's Choice Awards:

  • Tiger Brokers (NZ) is a low-cost broker. Currently, the broker offers low commissions, 0.35% FX fees and free level-2 data on US-listed shares and ETFs. For US shares, it's a lower-cost alternative to Hatch, Sharesies, Stake and Interactive Brokers.
  • The company offers access to US, Hong Kong, Singaporean and Australian stock markets and China A-Shares. Altogether, over 7,000 shares are listed on the platform.
  • Sign-up bonus: In discussions with Tiger Brokers (NZ), their team has advised that there is a NZ$30 cash bonus with any new account opening, and an extra NZ$50 cash bonus in your account with a cumulative net deposit of at least NZ$2,000 within seven days of the first deposit, alongside other fee benefits.

MoneyHub’s Editor Christopher Walsh says:
"Tiger Brokers is focused on global investing, and at a time when some other platforms have raised their fees, Tiger Brokers is around half the cost of its nearest competitor for US stock trades. Tiger Brokers is the only global online player to have a local Auckland-based team and to be regulated in New Zealand. It focuses on delivering low fees to global market investors looking to build wealth using shares, futures and options. It continues to innovate and has recently launched auto-invest, fractional shares and its own TigerGPT investment chatbot."
Favourite Low-Cost Shares Platform
Visit Tiger Brokers (NZ)

Related Guides

  • Tiger Brokers Review
  • Sharesies Review
  • Superhero Review
  • Hatch Review
  • Stake Review
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  •  Invest Direct Review
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  • InvestNow Review
  • Best New Zealand Investment Apps
  • Sharesies vs Hatch vs Stake
  • Sharesies vs InvestNow vs Hatch vs ASB Securities vs Invest Direct
  • Hatch vs Stake
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