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

We review Spark broadband's plans and outline the pros and cons of each, benefits and how to get the best price
Spark Broadband Review
Updated 8 May 2025

Summary: 
  • Spark in a Nutshell: Spark is the largest broadband provider in New Zealand with over 41% market share. As such, it specializes in providing all kind of broadband solutions to kiwis, including Fibre, 4G, 5G wireless broadband and rural broadband.
  • Coverage: Spark provides broadband services nationwide, including some rural and remote areas of New Zealand.

How to get the best price on Spark broadband plan: 
  1. New Customers: Plans with Spark are cheapest when you sign up for open-term and take advantage of the additional benefits, like a subscription to Netflix.
  2. Renewing: If you're happy with Spark and would like to continue, the best approach is to monitor their prices every now and then.  If Spark offers a better deal than the one you're on, contact their support team and ask if they can apply it to your account.
 
Our review: 
In this guide, we detail the pros and cons of all Spark plans, compare the plans side-by-side, and outline how to choose the right Spark broadband plan for you. We cover:
  • Spark Broadband Plans, Setup Charges and Add-ons
  • Comparing Spark Plans
  • Choosing the Right Spark Plan
  • Spark Broadband Frequently Asked Questions

Christopher Walsh, Founder of MoneyHub, shares his views on comparing broadband providers:

  • Broadband plans have never been cheaper or faster, thanks to a nationwide fibre rollout, more competition and better technology.
  • That being said, we believe what matters is reliability, speed, price and support.
  • Our best broadband providers guide and this review help you make an informed choice. Our research team is committed to keeping everything up to date so you can easily find the best deal. 
  • We don't publish complicated tables or tools for comparing broadband. Instead, we focus on making you aware of the best deals where the pricing is fixed for at least 12 months.
  • If you have something we need to know about, please contact our research team - we would love to hear from you.
  • Unlike other broadband comparison websites, we have no relationship with any broadband company, and we're proud that our guides are 100% independent.
Sprak Broadband review
Christopher Walsh
MoneyHub Founder

Learn more: Spark broadband

Spark Broadband Review

Spark Broadband Plans, Setup Charges and Add-ons

Plan name Monthly Cost Mobile discount? Download Speed (Mbps)Contract type
Essential Fibre Plus [UFB] $105  322Open
Max Fibre Plus [MAX] $120  881Open
Fibre Lite (120GB) [Fibre] $65  50Open
Everyday Fibre [Fibre] $86  50Open
Essential Fibre [UFB] $96  322Open
Max Fibre [MAX] $111  881Open
Everyday Wireless Plus (4G Unlimited) $73  30Open
Basic Wireless (50GB) [4G] $50  30Open
Lite Wireless (120 GB) [4G] $60  30Open
Everyday Wireless (4G Unlimited) $65  30Open
Max Wireless (5G) $80  331Open
Max Wireless Plus (5G) $88  331Open
Know this first: When comparing broadband providers, service setup charges are an essential part of the deal. 
  1. Set-up fee: Spark currently does not charge any fees for Standard installations, but this could change as it’s mentioned on their website as a “limited-time offer”.
  2. Modem: All of Spark’s plans require a compatible modem, which is not provided. You have the option to Bring Your Own (BYO) Modem, or purchase one from them for $150, plus postage and handling fees ($14.95). You can check on their site that your modem is compatible.
  3. Exit Fees: All the plans from Spark that we considered for this review are Open-term so there are no exit fees to be paid. Terminating a Rural or ADSL/ VDSL plan early might incur in exit fees, though.  
  4. Discounts: From time to time, Spark offers seasonal discounts like Spark gift cards of different values depending on the plan selected. Additionally, Spark’s “Plans with benefits” include various subscriptions (like Netflix and McAfee) and additional services can be added at discounted rates.
  5. Add-ons:
  • A landline can be added for $10 per month.
  • You can also include additional subscriptions at discounted rates like: McAfee ($4.95/month), Spotify Premium ($13.49/month). Neon ($13.99/month), Spark Sport ($19.99/month). 
  • There is the option to sign up for Premium Support, called Tech Wizard Support ($15/month for 12 months)  that includes services such as helping you set up Smart TVs, install your own modem, storing information online, playing videos, setting up your home network, enhancing network security & performance, and more. If you only need technical support for a specific issue, you can also pay $120 for a one-off visit.

Spark Broadband Customer Service and Outage Support

  • You can contact Spark Tech Wizards from 8 am -  8 pm, any day of the week. There is a Live Chat and free phone number designed to help you if your internet is not working. Outside of those hours, you can contact Spark via Tech Wizard email.
Learn more: Spark broadband

Spark Broadband Review

Comparing Spark Plans - Wireless Capped Plans vs Fibre Plans vs 4G / 5G Wireless vs Rural Broadband Plans

Spark offers several broadband plans, that we have grouped into Capped 4G Wireless Broadband Plans, Fibre Broadband Plans, Wireless Broadband Plans, and Rural Wireless Broadband Plans. We outline the offering of each, as well as the pros and cons. 
Spark Broadband Review

4G Capped Broadband Plans Review

  • Summary: These plans (Basic Wireless, Lite Wireless) are good options for those that want broadband access at home but don't stream use too much data per month, as they are capped to a certain limit of GBs.
  • Learn more: For more details regarding 4G capped plans, visit Spark's broadband page.
 
The Pros: 
  1. Lower prices than on unlimited plans, and at higher speed than on ADSL / VDSL
  2. You can complement your plan with a wide variety of add-ons
  3. Extra data can be purchased if necessary (sold in packs of 10GB, maximum of 6 can be purchased per month)
  4. Good for basic internet usage
 
The Cons: 
  1. Capped usage, so you need to monitor how much data you consume
  2. Plans are not available in all areas. You can check availability by visiting Spark broadband page
Spark Broadband Review

Spark Wireless 4G and 5G Unlimited Broadband Plans Review

  • Summary: Spark offers two different Wireless Broadband plans that use 4G and 5G technology to provide broadband that is unlimited, fast and convenient. The “Everyday Wireless Plan” provides access to the internet at 4G speeds, which are usually much higher than those offered by ADSL plans. Spark's “Max Wireless plan” is even faster, and uses 5G technology to deliver speeds that were previously only possible with fibre connections, but with the convenience that only wireless plans can offer. 
  • Plans with benefits: Spark offers enhanced versions of both of these plans, called “Everyday Wireless Plus” and “Max Wireless Plus”. These include a standard subscription to Netflix and McAfee’s antivirus protection for a mere $5 extra per month, which make these plans even more attractive.
  • Learn more: For more details regarding these and other plans, visit Spark's broadband page.
 
The Pros: 
  1. Unlimited data transfer, no caps (some restrictions apply, see below cons)
  2. Open-term, no early termination fees
  3. You can complement your plan with a wide variety of add-ons
  4. Recommended for moderate to intensive internet usage (depending on the actual broadband speed in your location)
  5. Quick installation - if you have coverage in your area, you just set up the router and start using broadband
 
The Cons: 
  1. Spark’s Fair Use Policy applies to all 4G and 5G plans. In other words, you should not use the service in a way that is overly excessive or unreasonable
  2. No free modem included. You will have to purchase one from Spark since not all modems are compatible with Spark’s 4G and 5G networks
  3. Although Spark has a solid network nationwide, signal strength and broadband speed can vary from one location to another
  4. Wireless (especially 5G) plans currently have limited availability. You can check if the service is available in your area by visiting the Spark broadband page
  5. The value offered by Wireless plans is debatable, especially if fibre lines are available in your area
Spark Broadband Review

​Spark Fibre Broadband Plans Review

  • Summary: Spark’s fibre plans offer enough speed to please even the most demanding Kiwi household, making them an excellent choice for medium to large families, developers, and content creators as they are all unlimited and offer super-fast speeds. The plans offered by Spark are as follows, “Everyday Fibre” slightly on the lower end, then “Essential Fibre” at twice the speed of the previous plan, and finally “Fibre Max” which offers a super-fast connection and can handle many devices simultaneously.
  • Plans with benefits: Spark offers enhanced versions of their two higher-end Fibre Plans, called “Essential Fibre Plus” and “Max Fibre Plus”. These include a standard subscription to Netflix and McAfee’s antivirus protection for a mere $5 extra per month, which make these plans even more attractive.
  • Learn more: For more details about these Fibre plans, visit Spark's broadband page.
 
The Pros:
  1. Unlimited data transfer, no caps
  2. Open-term, meaning no exit fees to worry about
  3. You can complement your plan with a wide variety of addons.
  4. Ideal for intensive internet usage
 
The Cons:
  1. No free modem included. You will have to bring your own (BYO) or purchase one from Spark.
  2. Fibre plans are not available in all areas. You can check availability by visiting Spark broadband page.
Spark Broadband Review

Spark Rural Broadband Plans Review

  • Summary:  As their name suggests, Spark’s Rural Wireless broadband plans offer a straightforward solution for kiwis living in remote areas of New Zealand by providing their households with broadband either through the 4G network or with an antenna. 
  • Data Cap: Once you reach your data cap limit you have the option to pay $10 for additional 10GB (maximum of 5 additions allowed)
  • Learn more: For more details regarding broadband plans, visit Spark's broadband page
 
The Pros: 
  1. Fast and reliable 4G broadband for remote areas
  2. Good value for this kind of service
  3. Open-term, meaning no early termination fees apply (only when no antenna is required)
  4. You can complement your plan with a wide variety of add-ons
  5. Recommended for basic to moderate internet usage (depending on the actual broadband speed in your location)
 
The Cons: 
  1. Data cap could be somewhat restrictive depending on the intended usage
  2. Even if you don’t require an antenna, you will have to buy a 4G modem from Spark
  3. If a special antenna is required, you will have to pay an installation fee. For more details, you can read the Terms and Conditions of the Rural Broadband Plan
  4. Although Spark has a solid mobile network nationwide, signal strength and broadband speed can vary from one location to another

Which Spark Broadband Plan is the Best?

  • Not all plans offered by Spark are available throughout New Zealand. However, our opinion is that the Essential Fibre Plus offers the best price/value ratio, and that all of Spark's Plans with benefits are attractive as they include a discounted Netflix subscription and antivirus protection.
  • If a fibre connection is not available at your location, our suggestion is to opt for the Everyday Wireless Plus 4G Broadband plan. And ultimately, for remote areas of New Zealand without fibre or ADSL/VDSL lines, we suggest the Rural Wireless Broadband 200GB plan.
Learn more: Spark broadband

Spark Broadband Review

Choosing the Right Spark Broadband Plan

To determine which plan best suits your needs, consider the following specifications and features:
 
1. Connection Speed: In general terms:
  • ADSL/VDSL Plans offer adequate connection speed for families, couples, and individuals with basic/moderate needs including checking email, reading news, watching YouTube videos, light video streaming from services such as Netflix, Amazon Prime, Disney+ etc and browsing the web.
  • Wireless 4G Plans have the potential to offer much higher speeds than their ADSL/VDSL counterparts. Depending on the wireless signal’s strength, you can expect better results when streaming videos and browsing the web.
  • Wireless 5G Plans are the future of telecommunications. Depending on signal strength, they can offer broadband speeds on par with Fibre plans meaning they can easily handle multiple Netflix 4K screens, as well as almost any bandwidth-hungry application you throw at it.
  • Standard Fibre Plans can offer you the best value for your money depending on your household requirements. The connection speed offered by Spark's plans is more than adequate to enjoy video streaming services, gaming, content creation and more.
  • Fibre Max Plans area step up over standard fibre, offering higher speeds. These plans are ideal for large families and content creators, developers, or anyone requiring the fastest connection possible while working from home.
  • Rural Wireless Plans offer a cost-effective solution to many kiwi families living in remote areas of New Zealand. The 4G broadband connection offered by this plan is adequate for almost any use case. However, due to data caps, this plan might not be the best option for people working from home or families with huge bandwidth requirements.
.
2. Flexibility:
  • One of the factors that separate Spark from its competitors is the enormous flexibility it offers its customers. All of Spark's plans are open-term, so there are no exit fees to worry about when terminating their services.
 
3. Set-Up Charges:
  • Despite requiring its customers to purchase a modem on many of its plans, Spark offers one of the lowest entry costs in New Zealand. This is because it does not charge for installation services (except for a few plans) and because it finances the price of its modems to make it easier to acquire.
 
4. Monthly Costs:
  • Spark offers really competitive rates, both in fibre plans and in wireless plans, which works to customers' benefit. The discounted subscriptions to other services like Spotify, Netflix, etc. is a good option for people who consume this type of content.
Learn more: Spark broadband

Spark Broadband Review

Spark Broadband Frequently Asked Questions

To help you decide if Spark is right for your home, we've included several frequently asked questions to help you know more about the service.

Is Spark available at my address?

Spark specializes in providing broadband and phone services to kiwis across NZ - you'll need to type in your address to see if any of their broadband services cover you. You can do that here under See Availability.

Does Spark offer a free modem?

No, you will have to Bring Your Own, or purchase a modem compatible with the Spark network. You can do that by checking Spark’s modem compatibility page.

Does Spark offer additional perks?

Yes, Sparks offers a huge selection of additional perks ranging from landlines to entertainment services, sports networks, premium support service, and more.

Does Spark offer an open term contract?

Yes, currently all plans offered by Spark are open-term

Does Spark offer discounts for broadband plans?

Spark does not offer direct discounts on any of its plans; however, it does offer discounted prices for many online services such as Netflix, Spark Sports, Neon, Sky Sports, and more.

Who owns Spark?

Spark New Zealand Limited is listed on the NZX, with the general public owning just over half of its shares. Institutions own most of the remaining shares.

Does Spark offer a home phone add-on with its broadband plans?

Yes – Spark provides the option to include phone voice services, either wired or wireless, with all its plans.
Learn more: Spark broadband

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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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    • Health & Personal Care
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  • Trade Services
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