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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Teenagers Travelling Overseas - A Guide for Every Parent and Student

Updated 1 March 2023
Summary
  • With flights restored and global borders open, more Kiwi kids will be heading overseas for various activities (school, sports, exchanges, cultural trips etc.) without their parents.
  • Regardless of how organised the planned trip will be, it's common to be unsure how to best prepare your child when travelling overseas.
  • This guide expains top tips for teenagers (typically at high school) travelling overseas for the first time or as part of a wider group trip, with a focus on outlining the best ways for teens to manage their money and spending while travelling.
  • Note that this guide has been written with the main reader being the parents of a child about to go overseas given it's likely that parents will be the ones reading and actioning some of the tips and suggestions before their child's departure. However, our guidance is written generally to support other situations too.

To help you understand what's important, our guide covers:
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What should I do to prepare my teenager for travel abroad?

​If you're planning your teenager's trip abroad (and you're not going to be going with them), there are many things you should consider when it comes to spending and money. Here are a few of the top tips to help you prepare your teenager for their trip:
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First, discuss a rough budget for the trip and each place they visit.

Before planning the trip, sit down with your teenager and discuss the budget. Talk about how much they'll likely need to spend on food, accommodation and discretionary expenses. If they've saved their own money through working jobs on the weekends or through gifts from family, then it's important to let them have the autonomy and freedom to spend that money how they choose (although you can suggest where that money might be best spent). The rough budget you’ll be working on will heavily depend on the type of trip your teenager is going on. For example:
  • Suppose it's a planned school trip with multiple children and teachers. In that case, there will likely be an upfront paid component (ranging anywhere from a few hundred to thousands of dollars) that includes the cost of the flight, accommodation and joint activities the kids will be doing together.
  • Suppose it's a shorter sports exchange for a one-off event in one country. In that case, you may need to fully pay for and fund these trips (although some organisations or schools may provide subsidies to assist with the cost of sending these children overseas to compete).
  • Suppose it's a cultural exchange for a few months. In that case, there will likely be a roughly equal split between paying tuition in the host country and a requirement to fund other activities such as dinners out, additional activities and trips to other regions. 
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Teach your teenager about currency exchange.

If your teenager travels to a country with a different currency, it's important to teach them how to exchange money. Show them how to use a currency converter (either online or in person at a booth) and explain the concept of exchange rates. Note that this may not be necessary if you're giving your child foreign cash and aren't expecting them to need to convert any foreign currency. However, exchanging currency is an important skill for them to know how to do in case anything happens that requires them to get additional cash in the country they're in.

Additionally, if your teenager has a bank account tied to a debit card, the bank may automatically convert currency when they spend with that card in a foreign country. However, it's important to note that not all stores/shops abroad will take card payments, and you'll likely be paying a foreign currency fee (usually c. 2-2.5%) on each transaction that requires the bank to convert currency. Finally, the foreign currency rates the bank uses will likely not be the best rates you can get compared to others. For more information on the best foreign currency rates when travelling abroad, check out our definitive guide here. In addition, you can check out our calculator here if you're looking for an interactive currency converter.
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Encourage your teenager to save money (both before the trip and while they’re abroad).

It can be an incredibly valuable learning opportunity and provide a strong incentive for teenagers to learn good financial habits when they have an upcoming trip abroad. One great way to encourage your teenager to save for their trip is by offering to match their savings "one for one" if they put their money (from part-time work or gifts) into a savings account dedicated to the trip. Practically, this means that for every $1 they put into this savings account, you also add $1 into the fund for them to spend when they go on the trip ultimately. This scheme can help them feel more invested in the trip and give them a sense of ownership over their savings and spending.
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If you’re concerned with overspending, consider setting a hard limit on spending.

It's important to set limits on your teenager's spending while they're abroad. Discuss what they're allowed to spend money on, and establish a rough budget to try and stick to. This budget can help prevent them from overspending and getting into financial trouble. In addition, by encouraging them to be mindful of their spending, they'll be able to build strong financial habits that they can take with them into adulthood. 
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Have a plan in case of emergencies.

Having a plan for emergencies while your teenager is abroad is important. A few scenarios that you should plan for and you should discuss with your teenager include:
  • Which parent or adult can they go to if they feel unsafe
  • Which family or friends can they contact or meet up with in the country they're travelling to
  • What should they do if they lose their wallet or their passport
  • What should they do if they need to pay for unexpected expenses (like food, equipment or transportation)
  • What to do if they get lost or separated from the wider travel group
  • Ensuring they know how to access any emergency funds if they run out of cash
  • Understanding the bounds of the travel insurance policy and what’s covered when they’re overseas
  • Knowing the relevant emergency contact details so they can pass those on to the relevant parties if they get into an altercation. 

Where can I find resources for my teen when abroad?

​Given that you won't be physically there with your teenager travelling abroad, they must know where to find information and resources to help them during their trip. So here are the must-know resources that they need to know how to leverage before flying off:
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Google

While it may seem overly simplistic and obvious, Google is one of the best resources for your teenager while travelling abroad. Google provides one of the most accurate and informative platforms to find anything from locations, restaurants, public authorities, police or directions. As long as your teenager has access to the internet, they can use google to research destinations, find local attractions and read reviews from other travellers. 
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Travel guides

Travel guides are a great resource for your teenager travelling abroad. They can provide valuable information about local customs, attractions, and safety tips. Consider purchasing a guidebook for your teenager's destination before they leave or encouraging them to download a digital guide on their phone.
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Travel agencies

Travel agencies can be a valuable resource for your teenager travelling abroad. They can help with everything from booking hotels and flights to providing information about local attractions and activities. Opt to either work with a travel agent (especially when planning excursions not organised by your teenager's school) or encourage your teenager to speak directly with a travel agent so they're comfortable interacting with them.  
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Local organisations or charities

Local organisations, such as embassies and consulates, can be an essential resource for your teenager abroad, especially in emergencies. Make sure your teenager knows where the relevant embassy or consulate is in the country they're visiting so they can try and get there if they get lost. 
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Social media

Social media is a great resource for your teenager travelling abroad. Encourage them to use platforms like Facebook and Instagram to research the place they're going to visit and stay in touch with their friends who are also travelling abroad. While most teenagers will use social media to share their experiences and photos from the trip, social media is essential for your teenager to stay in touch with their travel group and get emotional support if they feel homesick.

What are the top things to consider before sending my teenager abroad?

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Do your research on the location and itinerary of the trip.

Before booking their tickets or packing their bags, it's important to research and ensure that your teenager is prepared for everything the trip might entail. Think about what kind of activities they'll be doing. Many times, there will be optional activities that your teenager can elect to do while overseas. Ask them whether they're keen to explore different cultures, try new food, or relax while travelling abroad.
 
Once your child has decided on the places and activities they want to do, make sure they take some time to learn about the customs and traditions of the country or region they're about to enter. This research will help them avoid cultural difficulties and ensure that they respect the local way of life while they're there. 
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Help your teenagers get their documents in order.

Once you've helped them sort some of the logistics of your trip, it's time to help your teen get their documents in order. They'll need a valid passport and visa or official documentation (such as a driver's licence). Check the requirements for their destination before their departure date, so you don't run into any last-minute problems. Embassies and government organisations can notoriously slow to process new or renewed passports and official documentation, so ensure you get the essential travel documents done well in advance. 
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Help your kids to pack appropriately (and on the lighter end if possible).

This tip applies whether your teen is travelling near or far. Packing light will not only make lugging their suitcase around a lot easier, but it will also give your teenager more flexibility once they arrive at their destination. Remember that your teenager is likely significantly smaller than you as an adult, so their ability to carry and travel with more luggage is significantly reduced (especially if they aren't in a group setting where they travel with other adults that can help them with luggage). Focus on ensuring they have the essentials for their destination depending on their activities and the time of year they're travelling.
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Bring the right amount of cash, the right denomination and the right currencies.

While most places these days accept credit/debit cards, it's always a good idea to have some cash, just in case. So make sure your teenager has enough local currency, the correct debit card (with corresponding foreign exchange functionality) and multiple sources or denominations of cash in case of emergencies.
 
Additionally, ensure they know how to withdraw money from an ATM abroad when they run out of local cash. Note that some banks will limit the amount of money you can take out daily. Additionally, you may face fees for withdrawing from certain foreign ATMs, so check with the bank to your teenager's debit card is tied to beforehand. It's also a good idea to alert your (or your teenager's) bank ahead of time that you'll be using your card in another country so that they won't think your card has been stolen/hacked if they see foreign transactions popping up. If they think this, they may freeze the account/card, causing more problems for your teenager abroad. 
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Get travel insurance.

Accidents happen, especially while on vacation, which can ruin your teenager’s trip. To protect your teen (and your bank account), make sure they have travel insurance before setting off on their adventure. That way, if something does go wrong, they’ll be covered financially.
 
There are different travel insurance policies to choose from depending on where they're travelling and what activities they'll be doing while abroad. Make sure to pick one right for your teenager's situation and provides the coverage they'll likely need. For a definitive guide to travel insurance, check out our guide here. 
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Try to set regular times to call and stay connected with your teen.

In today's day and age, it's easier than ever to stay connected with loved ones travelling abroad. Whether through texting, emailing, or video calling, staying in touch with your teen while they're away will help reduce homesickness and provide peace of mind that they're doing okay. Setting up a protocol, such as texting once a day or calling once every few days, can be a great way to stay connected to your teen and ensure they're safe. However, make sure not to smother them and let them explore the new country they're in. Providing this freedom and autonomy is extremely valuable and builds their resilience and character. 
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Establish some ground rules for your teen.

Although most people travel without incident, it's always important to take steps to minimise the risks associated with travel. A few example rules to teach your teen includes:
  • When travelling alone or in unfamiliar surroundings, make sure to keep track of all of your belongings.
  • What to do and who to contact if they lose their passport or wallet.
  • Try not to draw too much attention to yourself.
  • Be aware of pickpockets operating in busy areas such as tourist hotspots or public transport hubs.
  • Follow local laws and regulations (especially when it comes to police).

Must-know facts about teenagers travelling abroad

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Empowering your children to learn more about money and spending is a valuable skill they can take into adulthood.

While every parent wants to ensure that their child is prepared and has everything they'll need (financially or otherwise) for travel abroad, it's important to empower your child to build autonomy and make good decisions. Some teens may have had to earn money to pay for some or most of the trip. So, understandably, they may want to have more control over how they spend the money they've earned. Recognise that it's okay for your child to want this autonomy. 
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Teenagers will learn most of their financial and spending habits through you as parents.

It's important to model good money habits and attitudes for your teenagers, as they will tend to adopt these behaviours from you as parents. Try to share your savings, budgeting and spending strategies with them. Be mindful of how you talk about money. Your teens may adopt similar attitudes if you adopt bad financial habits (regarding lack of money or using credit carelessly, for example).
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Accept that your teenager might make financial mistakes initially and that it's okay.

Giving teenagers financial responsibility and allowing them to make mistakes can help them learn about financial responsibility. For example, you could give them a budget for activities and food and let them make trade-offs to stay within budget while abroad. Let them experience the consequences of overspending and not bail them out unless necessary. This scenario will help them learn about the value of money and the importance of staying within a budget.
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Make sure that your teenager has the right phone plan and enough roaming data before they leave.

Your teenager having enough data and access to the internet is essential when travelling abroad. Without this, they are much more susceptible to getting lost, stressed out and confused when they can't connect with others or find relevant information from trusted sources or other reviews. Assuming the trip lasts for a week, it's recommended that parents purchase a robust roaming data plan (at least 2-4 gigabytes) so that their teenager can message, call and text you as much as they want or need to (and also access google or social media). 
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Accept that your child may get homesick or anxious and that you may need to comfort them mid-trip.

Travel can be incredibly fun and new, but it can also be highly stressful and scary. If this is your teen's first trip abroad, they might be confused or anxious about travelling. It can help to have early conversations about how you'll be able to support them before, during and after they travel abroad. Ultimately, your teen will be travelling much more in their lifetime and building this resilience in them gives them the confidence they can travel with confidence in future.
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Make sure your teenager packs their bag so that they know where everything is.

While you'll likely want to ensure that your teen has everything they might need while on their trip (and risk overpacking), it's too easy for you as the parent to pack everything you think they'll need without including them in the process. What will end up happening is that they'll get to the new country they're travelling to and have no idea what's in their suitcase or where anything is, leading to more stress for your teen at an already stressful time.
 
Try to get your teen to pack their bag, so they know exactly what's in their suitcase and where everything is. If you're assisting them in packing their back, ensure that you're doing so while they're watching so that they still know where everything is. 

Frequently Asked Questions

How can I ensure my teen is safe while overseas?

Above and beyond checking in with the relevant adults managing and leading the trip, you can maintain somewhat consistent communication with your teenager through calling or apps like Whatsapp, email or Facebook. Additionally, if you're keen to understand whether your teen is physically safe, apps like Life360 provide real-time updates on your child's location depending on whether they have internet reception. These applications can put your mind at ease and ensure your child is having fun safely. 

How can I keep in contact with my child without paying a heap of money in international minutes?

Whatsapp is one of the most popular methods by which parents keep in contact with their teenagers travelling abroad. Whatsapp is free and fully encrypted, and you'll only need an internet connection to message or call them while they're abroad. 

What phone plan should I buy for my teen to ensure they have access to the internet/messages?

Your teen will likely need a roaming plan when travelling abroad. Roaming plans are usually more expensive but are much easier to deal with and don't require your teen to change out their SIM card. The alternative is to buy a local SIM in the country they land in, which will be much cheaper but more logistically challenging to swap SIMs. The option you should choose depends on how long they stay and which countries they will visit. 

I've heard Wise is a great way to spend money abroad. What age does my teen need to be to get a Wise card? What alternatives are there if not?

Unfortunately, you'll need to be at least 18 years of age to apply for a Wise account and debit card. For children under 18, using debit cards tied to youth accounts for spending (alongside traditional cash or local currency) is recommended. For other non-children situations, check out our comprehensive Wise in New Zealand guide.

My child has run out of local currency abroad, and I have no idea how to get money to them quickly. So I'm stressing out, what do I do?!

Firstly, it’s important not to panic if your teenager needs funds unexpectedly. There are many safe and direct ways to send money to them. One of the easiest ways is to send money through bank transfer to their relevant youth account (which their debit card should be able to access). This transfer process should take less than three days if the bank accounts are both domiciled in New Zealand.
​
For international transfers, your bank should be able to guide you through the process and provide you with the necessary information to complete this. However, note that fees can be high for international transfers and may take up to five days to go through. 

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  • Banking & Savings
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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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