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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Starlink Review - The Definitive New Zealand Guide to the Satellite Internet Service

​Our review explains what you need to know about Starlink’s technology, NZ price plans, and how it differs from other internet providers and technology.
Starlink Review NZ
Updated 6 October 2023
Summary:​
  • Starlink is SpaceX's satellite internet constellation designed to offer high-speed, low-latency internet, especially in areas with unreliable or non-existent connectivity.
  • Our review states prices in NZD, which are specific to the New Zealand market and not converted from USD (given Starlink is US-based).
  • Various plans are available for residential and business users, with a starting price of $159/month for residential plans. Options are provided for people on the move, with the ability to connect from vehicles or boats.
  • Starlink is expanding globally, is currently available throughout New Zealand and offers wider coverage, lower latency, and potentially faster speeds than traditional rural broadband options in New Zealand.
  • Starlink aims for latencies between 20ms to 40ms. Other technologies have varied latency: Fibre (1ms-5ms), DSL (10ms-70ms), Fixed Wireless & 4G/5G (30ms-100ms), Traditional Satellite (600ms-1200ms), 4G (30ms-60ms), and 5G (1ms-30ms).
 
Know this First:
  • New Zealand presents unique challenges regarding ensuring consistent internet connectivity outside main cities; many rural and remote areas often grapple with limited or subpar connectivity options. In June 2023, the Commerce Commission launched an investigation into rural broadband services, which many users have argued are sub-standard.
  • With its ambitious satellite internet constellation, Starlink promises a solution that could bridge this gap. Leveraging SpaceX's advanced satellite technology, Starlink aims to deliver high-speed, low-latency internet even to the most secluded corners of the country, making it a topic of keen interest and immense potential for New Zealanders.
  • One of Starlink’s main selling points is its “low latency”. So before going any further we briefly explain what this concept means. Latency refers to the time it takes for data to travel from its source to its destination. It is often measured in milliseconds (ms) and is sometimes called "ping time" or simply "delay."
  • ​Latency can be thought of as the delay between an action and the expected outcome or response. For example, in online gaming, latency is the time between pressing a button on a controller and seeing the character on screen perform the action. In video conferencing, it's the delay between a person speaking and the other end hearing it.
  
To help explain if Starlink is right for you, our review covers:
  • What is Starlink, and What are the Prices and Plans?
  • ​How Does Starlink Work and How Do I Set Up a Connection?
  • ​Pros and Cons of Using Starlink vs Rural Broadband
  • How does Starlink’s Latency Compare to that of Other Technologies?
  • 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.
Picture
Christopher Walsh
MoneyHub Founder


What is Starlink, and What are the Prices and Plans

What is Starlink, and What are the Prices and Plans

Starlink is a satellite internet constellation project initiated by SpaceX, an aerospace company founded by entrepreneur Elon Musk. The primary objective of Starlink is to provide high-speed, low-latency internet to parts of the world where connectivity is either unreliable or non-existent. By deploying thousands of small satellites in low Earth orbit (LEO), Starlink aims to create a mesh-like network that covers every corner of the globe.

Starlink Prices and Plans

Starlink offers plans for residential and business customers, and offers options tailored for people on the move: roam plans for those who keep moving form one place to another, and their mobility and maritime plans let people connect to the internet with devices that are attached to vehicles or boats.
 
For most of their plans, there are two options of receiving equipment: the Standard Starlink (which is suitable for regular users) and a Flat High Performace Kit that provides faster access and can also be used on moving vehicles. For residential customers there is a standard unlimited data plan and there are also “priority” plans that provide a certain amount of data at higher speeds, when the priority data is used up, the regular standard service kicks in with unlimited data at a lower speed.
 
Standard residential plans with speeds ranging from 50 Mbps to 150 Mbps with a latency of 20 to 40ms. The price starts at $159 per month, with a one-time equipment fee of $650 for the Starlink Kit. However, prices and plans can change, so always refer to the Starlink website for the most up-to-date information. All plans are open (no fixed-term contract) and provide a 30-day trial. The shipping time of your equipment will depend on your location.
Service Options
Standard
Priority 40GB
Priority 1TB
Description
Standard service, provides unlimited data at standard speeds.
  • 40GB of data at higher speed
  • Static Public IP
  • Priority support
  • Unlimited standard data after exhausting 40GB
  • 1 Terabyte of data at higher speed
  • Static Public IP
  • Priority support
  • Unlimited standard data after exhausting 1TB
Target users
Typical residential customers
​Small businesses and other low bandwidth applications
​Small to Medium businesses, with average bandwidth needs
Hardware costs
from $650
from $650
from $650
Price
 $159
$260
$426
Starlink also offers plans for businesses with priority data packs ranging in size from 1TB to 6TB. As mentioned before, there are also plans for people who need access to the internet while they are on the move, with equipment designed to be installed on vehicles or boats, and data packs priced according to the plan selected. 

Please note you might qualify for a government subsidy under the Remote Users Scheme (RUS), which covers setup and installation expenses for areas with poor or no internet connectivity.

How Does Starlink Work and How do I Set Up a Connection?

How Does Starlink Work and How do I Set Up a Connection?

How does Starlink work?

The backbone of Starlink's functionality rests on its satellites. Here's a breakdown:
  1. LEO Satellites: Unlike traditional geostationary satellites, Starlink's satellites are positioned in low Earth orbit, typically around 340 miles (550 km) above the Earth. This closer proximity results in reduced latency and faster data transmission speeds.
  2. Mesh Networking: The satellites work together, passing data packets amongst themselves to efficiently route internet traffic. This mesh-like configuration further aids in reducing latency.
  3. Ground Stations: The data is transmitted between the satellites and a network of ground stations on Earth. These ground stations connect to the broader internet, acting as the entry and exit points for the data.
  4. Starlink Kit: Subscribers receive a Starlink Kit, which includes a phased-array dish antenna, a mounting tripod, and a router. The dish communicates with the satellites overhead and connects devices in your home to the internet.

How do I set up a Starlink connection?

Setting up Starlink is designed to be user-friendly:
  1. Position the Dish: Use the included tripod to set up the dish in an open area with a clear view of the sky. For optimal results, avoid obstructions like trees or buildings.
  2. Connect to the Router: The dish comes with a cable that you'll plug into the included router.
  3. Power Up: Connect the provided power supply and switch on the system.
  4. Setup via App: Download the Starlink app (available for Android and iOS). The app will guide you through aiming the dish correctly and establishing a connection.
  5. Connect Devices: Once set up, connect your devices to the Starlink Wi-Fi network, and you're good to go.

Where is Starlink available?

Starlink is progressively becoming available worldwide. According to their coverage map, it is available throughout New Zealand. Still, you should type in your address on their website to confirm it is available and determine how long it would take to receive the necessary equipment. 
Know This: How is Starlink different from other Rural Broadband Services?
​

​Rural broadband often relies on traditional methods like DSL, fibre-optic (where available), or 4G/5G cellular networks. Here's how Starlink stands out:
  1. Wider Coverage: Thanks to its satellite network, Starlink can provide internet access in extremely remote areas where ground-based solutions are not feasible.
  2. Lower Latency: The LEO positioning of Starlink satellites offers reduced latency compared to traditional geostationary satellite solutions, making real-time activities like online gaming or video conferencing smoother.
  3. Potentially Faster Speeds: Starlink's projected speeds are competitive with, or even superior to, many rural broadband options.

Pros and Cons of Using Starlink vs Rural Broadband

Pros and Cons of Using Starlink vs Rural Broadband

Pros:
  1. Universal Coverage: Starlink's satellite network is designed to provide coverage to virtually every corner of the globe, making it an excellent solution for remote and rural areas in New Zealand that may not have access to other broadband options.
  2. Speed and Latency: Starlink promises broadband-like speeds and relatively low latency compared to traditional geostationary satellite connections. This could provide a competitive if not superior, internet experience compared to some other rural broadband solutions.
  3. Ease of Setup: Starlink's self-install kit, including the satellite dish and router, is designed to be user-friendly, allowing users in remote locations to set up their connection without needing a technician.
  4. Potential for Future Improvements: Given SpaceX's track record and investment in this project, it's likely that the system will see continuous updates and improvements in terms of speed, reliability, and coverage.
  5. Independence from Ground Infrastructure: Since Starlink doesn't rely on terrestrial infrastructure, it's less vulnerable to issues that can impact ground-based networks, like natural disasters, terrestrial degradation, or cable cuts.
 
Cons:
  1. Cost: The upfront cost of Starlink's equipment and monthly service fee was relatively high compared to other broadband options, making it potentially less accessible for some households.
  2. Potential for Service Interruptions: While Starlink's network is designed to be robust, there's always a possibility of service interruptions, especially given that it's a relatively new system and may face unforeseen challenges.
  3. Weather Sensitivity: Like other satellite systems, Starlink can be affected by heavy rain or snow.
  4. Line of Sight: The Starlink dish requires a clear view of the sky, meaning obstructions like trees or buildings can hinder its performance.
  5. Data Privacy: Some have raised concerns about data privacy and whether a global satellite network might be more susceptible to surveillance or data collection.
  6. Environmental Concerns: The launch of thousands of satellites has generated concerns among astronomers about potential interference with astronomical observations and increased space debris.
  7. Competition and Local Development: Adopting international solutions like Starlink might undermine the development or sustainability of local internet service providers and their associated jobs. It's important to weigh the benefits of Starlink against the potential economic and social impacts on local industries.

Starlink NZ Review Latency Explained

How does Starlink’s Latency Compare to that of Other Technologies?

Depending on the type of activity you’re carrying on online, different latencies might be considered acceptable. Below we estimate what would be deemed suitable per online activity:
  • VoIP and Video Conferencing: Requires low latency (below 150-200ms) for smooth, understandable conversation.
  • Online Gaming: Needs low latency to ensure timely responses to user commands.
  • General Browsing and Email: Can tolerate higher latency without a noticeable impact on user experience.
 
Latency varies based on the type and quality of the network connection. Here's a comparative look at the latency of Starlink, fibre, 4G, 5G and typical rural broadband in New Zealand:
​
1) Starlink (Satellite Internet using LEO satellites):
Expected Latency: Starlink's design aims for latencies ranging between 25ms to 60ms.
​
2) Fibre (Fiber-optic Broadband):
Expected Latency: Fibre connections typically have very low latency, ranging from 1ms to 5ms within a domestic network. International connections or undersea cables might increase this latency, but it's usually under 100ms.

3) Rural Broadband in New Zealand (can be a mix of DSL, Fixed Wireless, 4G/5G, and traditional Satellite):
Expected Latency:
  • DSL: 10ms to 70ms
  • Fixed Wireless & 4G/5G: 30ms to 100ms
  • Traditional Satellite (geostationary): 600ms to 1200ms
 
4) 4G Networks in New Zealand:
  • Expected Latency: 4G networks typically exhibit latencies ranging between 30ms to 60ms, though this can vary depending on network congestion, the proximity to the tower, and other factors.

5) ​5G Networks in New Zealand:
  • Expected Latency: 5G promises significantly reduced latencies, with potential figures as low as 1ms to 10ms under ideal conditions. However, depending on network deployment and conditions, real-world latencies might be slightly higher, often ranging between 10ms to 30ms.

Starlink NZ Review Frequently Asked Questions

Frequently Asked Questions

What is Starlink?

​Starlink is a satellite internet constellation project developed by SpaceX to provide high-speed internet access across the globe using a network of low Earth orbit (LEO) satellites.

How does Starlink differ from traditional satellite internet?

​Unlike traditional satellite internet that uses geostationary satellites situated much further from Earth, Starlink uses LEO satellites, which are closer to Earth. This results in lower latency and the potential for higher speeds.

Are there any government subsidies available that might apply to a Starlink set-up?

Certain individuals may qualify for a single-time government subsidy of up to $2,000 through the Remote Users Scheme (RUS), which covers setup and installation expenses for areas with poor or no internet connectivity. Several criteria need to be fulfilled.

Is there a data cap on Starlink's service?

​At the time of writing, Starlink did not enforce data caps on its service. However, it's always a good idea to review their current terms of service for any changes.

How fast is Starlink's internet service?

According to Starlink’s documentation, the expected download/ upload and latency speeds are as follows:
  • Standard service 25-100 Mbps (Download), 5-10 Mbps (Upload), 25-60ms (Latency);
  • Priority service 40-220 Mbps (Download), 8-25 Mbps (Upload), 25-60ms (Latency)

Can I use Starlink while travelling or in different locations?

Yes, Starlink has different plans for people on the move. Their mobility plan has special equipment to attach to a vehicle; their maritime plan provides connectivity at sea by installing Starlink hardware on boats; their roam plan provides internet access to people moving from one place to another.

What equipment is needed to use Starlink?

​Subscribers receive a Starlink Kit, which includes a phased-array dish antenna, a mounting tripod, and a router. There are different antennas available: the standard antenna can be attached to the roof of a house, while the Flat High Performance Starlink can also be attached to a moving vehicle or boat. 

How do I install and set up Starlink?

​The Starlink system is designed for user-friendly installation. Set up the dish with a clear view of the sky, connect it to the router, and power up the system. The Starlink app can help guide you through the alignment process.

Can Starlink service be affected by weather?

​Yes, like other satellite systems, Starlink can be sensitive to extreme weather conditions, such as heavy rain or snow, which may affect connectivity temporarily.

Will Starlink be available worldwide?

​Yes, one of Starlink's primary goals is to provide global coverage, including in areas where internet access has traditionally been unreliable or unavailable.

Are there environmental concerns with Starlink?

​There have been concerns raised about the potential for increased space debris due to the large number of satellites and the possibility of interference with astronomical observations.

How do I know if Starlink is available in my area?

You can check availability by entering your address on Starlink’s official website.

What happens if I face technical issues with Starlink?

​Starlink provides customer support for its subscribers. If you encounter any issues, you can reach out through the official Starlink website or the app.

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  • Banking & Savings
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  • KiwiSaver
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    • Best of New Zealand
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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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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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    • Shopping Resources
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    • Health & Personal Care
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  • Trade Services
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    • Hamilton Trade Services
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