MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Best Investment Apps
        • 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
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • How to Invest in the NASDAQ from New Zealand
        • 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
        • Popular Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Popular Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pathfinder Managed Funds Review
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Australian Investment Funds
        • Advisers & Wealth
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Whanganui
          • Financial Advisers Kapiti
          • Financial Advisers Wairarapa
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Craigs Investment Partners Review
          • Craigs vs Forsyth Barr vs JBWere
          • Lighthouse Financial Services Review
          • Wealth Advisers Auckland
          • Wealth Advisers Hamilton
          • Wealth Advisers Tauranga
          • Wealth Advisers Napier & Hastings
          • Wealth Advisers Palmerston North
          • Wealth Advisers Lower Hutt & Upper Hutt
          • Wealth Advisers Wellington
          • Wealth Advisers Nelson
          • Wealth Advisers Christchurch
          • Wealth Advisers Dunedin
        • Bank Credit Ratings
        • Depositor Compensation Scheme (DCS) Explained
        • Tax on Investments and Savings
        • Tax Efficient Investing
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Leading 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
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • 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
        • 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
          • 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
    • Best Car Finance
      • Loan Types
        • Electric Vehicle Loans
        • Car Loan Refinance
        • Bad Credit Car Loans
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        • Business Vehicle Loans
        • Asset Finance
      • Tools & Calculators
        • Car Finance Calculator
        • Car Loan Amortisation Calculator
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        • Motorcycle and Moped Loan Calculator
        • Asset Finance Repayment Calculator
        • Boat Financing Calculator
      • Resources
        • Car Finance Documents Checklist
        • Car Dealership Finance vs Alternatives
        • 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
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Simplify Car Loans - Real Customer Reviews & Facts
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • Simplify vs MTF vs UDC vs Heartland
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance by Vehicle
        • Toyota Aqua Financing Guide
        • Toyota Corolla Financing Guide
        • Toyota HiAce Financing Guide
        • Toyota RAV4 Financing Guide
        • Toyota Hilux Financing Guide
      • Car Finance Add-On Insurance
        • Compare Mechanical Breakdown Insurance
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • PPI (Payment Protection Insurance)
    • Best Personal Loans
      • Loan Types
        • Debt Consolidation Loans
        • Secured Loans
        • Bad Credit Loans
        • Green Loans
        • Dental Loans and Finance
        • Home Renovation Loans
        • Online Loans
        • Cash Advance
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        • Low Income Loans
        • Beneficiary Loans
      • Tools & Calculators
        • Personal Loan Calculator
        • Debt Consolidation Calculator
        • Refinance Personal Loan Calculator
        • Home Renovation Loan Calculator
        • Interest Calculator
      • Lender Reviews
        • Harmoney Loans Review
        • Nectar Review
        • Avanti Finance Review
        • Money Sweetspot Review
        • Save My Bacon Review
      • Credit Health
        • How to Build Credit in New Zealand
        • Credit Scores and Credit Checks
        • Interest Rates Guide
        • Interest Rate Comparison
      • Debt Solutions
        • How to Pay Down Debt Faster
        • Baycorp and Debt Collection
        • The Dangers of Debt Consolidation
        • Using Home Equity for Non-Essential Expenses
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Overview
    • 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
        • Cove Car Insurance - Real Customer Reviews & Facts
        • 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 Insurance
      • House Insurance
      • House Insurance Calculator
      • Home and Contents Insurance
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Area Replacement vs Sum Insured
      • Natural Disaster House Insurance
      • MAS House Insurance - Real Customer Reviews & Facts
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Renters' Insurance
      • Students Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
    • Life & Health Insurance
      • Compare Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Explained (Videos)
        • 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
        • Health Insurance Explained (Videos)
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • Income Protection Insurance Explained (Videos)
        • 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
    • 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
    • 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
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
      • ACC CoverPlus Extra (CPX) Explained
      • Co-Shareholder Insurance Cover
    • Find a Broker
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
  • 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 Have Ended – Best Replacement Options
      • BNZ Advantage Credit Cards Are Changing (Not Good News) – 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
        • AMEX Airpoints Platinum - Real Cardholder Reviews & Facts
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • 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
      • China Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • South Korea 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
      • Open a USD Bank Account from New Zealand
      • Sending Money to Australia
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2026 & 2027
      • 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
      • Self-Employed Mortgage Applications
      • Interest Rate Strategies
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Top 10 Areas for First Home Buyers 2025
      • 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
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
    • KiwiSaver Schemes
      • 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
        • Pathfinder vs ANZ KiwiSaver Growth Funds Comparison
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business Loans & Tools
    • Business Bank Accounts
    • Business Credit Cards
      • American Express Gold Business Card Review
    • Compare Business Loans
      • Small Business Loans
      • Prospa Business Loans Review
      • Business Line of Credit
      • Business Borrowing Options
      • Business Loan Calculator
      • Invoice Finance
      • Business Loan Brokers Explained
      • Commercial Vehicle Finance Options
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Wise Business Account Review
    • 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
      • Provisional Tax
      • Lighthouse Accounting Services Review
      • PAYE Tax Rates 2025 & 2026
      • Tax Codes in New Zealand
      • Minimum Wage
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • 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
      • Digital Marketing Agencies Auckland
      • Video Production Auckland
      • 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
      • Attending the Singapore FinTech Festival
  • 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
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    • Pet Insurance
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    • Business Insurance
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  • Credit Cards
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      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Reviews
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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  • Mortgages
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      • Top 10 Areas for First Home Buyers 2025
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Selling a Home
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      • Bridging Finance
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      • Trusts vs LTCs vs Companies
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    • Building a House
      • NZCB Review
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      • Construction Loans
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  • KiwiSaver
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      • KiwiSaver Must-Know Facts
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      • Feijoa Review
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    • KiwiSaver Calculators
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Saily Review
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    • Apple Watch Buying Guide
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  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
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      • Skinny Review
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  • Power
    • Compare Power Companies
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    • Electric Vehicle Power Plans
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    • Power Companies
      • Contact Energy Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
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      • 10 Things to Do Differently with Money in 2026
      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Ways to Save on Household Bills
      • 20 Supermarket Ripoffs
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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      • Tips for Families on a Single Income
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    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
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      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
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      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
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    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Accountants in Auckland
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      • Tax Refunds
  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
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      • Temu Review
      • Affordable Online Clothes Shopping
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      • Black Friday New Zealand Deals
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    • Living Essentials
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Temu Review - The Definitive Guide for Shopping on Temu in New Zealand

Shop Temu with confidence - Our review reveals deals, safety tips, pros, cons and shipping info for New Zealand-based shoppers.
Temu Review NZ
Updated 13 October 2025

​Summary
  • Since its launch in 2022, Temu has aggressively marketed itself as offering incredibly cheap and reasonably high quality items.
  • Temu is a global e-commerce platform known for offering a wide array of products across various categories. It has quickly grown in popularity due to its user-friendly and highly gamified interface, competitive pricing, and extensive product range.
  • This October 2024 RNZ article reports on the popularity of Temu throughout New Zealand, however it's not without its limits such as having to buy multiple items, issues around Malware lawsuits, allegations of Credit Card Fraud on Reddit and other issues. 
  • Generally, New Zealanders enjoy the near-endless selection of goods for sale which is far superior to any $2 shop or retailer locally. However, users still need to navigate the arguably aggressive promotions, countdown timers and threats that items will sell out or become unavailable in seconds. This can become annoying. 
  • Overall, Temu is not without its challenges – we have published this review to review the website and its offering in detail to help you decide if you want to use it. 

Our review covers:
  • Temu’s Origins and Pricing Strategy Explained
  • Is Temu Legitimate? Is it Safe to Use, and Will I be Scammed?
  • Pros and Cons of Temu
  • Temu’s Shipping and Delivery Options, Security Measures and Customer Feedback and Support
  • Temu Must-Know Facts
  • Frequently Asked Questions

Temu’s Origins and Pricing Strategy Explained

Temu’s Origins and Pricing Strategy Explained

Temu, a relatively new player in the global e-commerce market, started its operations in September 2022. The platform was launched by PDD Holdings Inc., a multinational commerce group headquartered in Shanghai, China. PDD Holdings is publicly listed on the NASDAQ.

PDD Holdings Inc. is also the parent company of Pinduoduo, one of China’s largest e-commerce platforms known for its group-buying model and social commerce features. This connection to a major e-commerce giant provided Temu with a solid foundation and a wealth of expertise in the online retail space.

What does the word Temu mean? What’s the purpose of it?
Temu was created with the mission to democratise commerce and make high-quality products accessible to everyone. The name "Temu" is derived from the phrase "Team Up, Price Down," reflecting the company’s ethos of leveraging collective buying power to offer lower prices to consumers. This concept aligns with the parent company Pinduoduo’s successful strategy of utilising social commerce and group buying to drive down costs.

​When did Temu come to New Zealand?
Temu’s entry into the New Zealand in March 2023 was arguably a welcome for many New Zealanders that were looking for cheaper alternatives in a time of high inflation and cost of living. Temu is not a small-scale operation - it's a company looking to get significant market share from Amazon, Aliexpress and other business-to-consumer platforms by shipping low cost consumer products from China to the world. New Zealand is not a focus area for Temu given the small population size.

Why is Temu Selling Items so Cheaply?

This is a concern among most people who see Temu’s adverts, with pricing rivalling or being lower than low cost competitors like Aliexpress and Shein. There are three main reasons why Temu can offer such low prices:

1. Loss Leader Strategy:
  • Temu may be employing a loss leader strategy as a new platform to acquire customers. This means they’re selling certain products at a loss or minimal profit margin to attract a large number of customers to their platform.
  • Once customers are on the platform, Temu can then upsell higher-margin products and benefit from repeat purchases and customer loyalty.
  • By cutting costs lower than costs (and what competitors are offering), they‘re able to quickly gain market share and visibility in a competitive market. In the long term, Temu is likely to make a profit on these customers. The initial losses or low profits are offset by long-term customer retention and increased sales volumes over time.

2. C2M (Customer to Manufacturer) Model:
  • Temu leverages a Customer to Manufacturer (C2M) model, which involves bulk purchasing directly from factories at rock-bottom prices. This model eliminates middlemen and reduces costs significantly.
  • Additionally, products are only shipped to New Zealand when a certain minimum volume is reached, optimising shipping costs and ensuring economies of scale. This is why users are encouraged to buy more than one item to complete an order.
​
3. Technology Investment:
  • Temu benefits from the technological advancements and innovative features developed by PDD Holdings Inc. and the insights gained from PinDuoDuo in China (which has almost a billion users using the app in China).
  • ​The platform employs advanced algorithms and data analytics to offer personalised product recommendations largely driven by AI, streamline the shopping experience, and optimise logistics and supply chain management. This technological edge allows Temu to stay competitive and deliver a seamless shopping experience to its users. 

Is Temu Legitimate Is it Safe to Use, and Will I be Scammed

Is Temu Legitimate? Is it Safe to Use, and Will I be Scammed?

Our view is simple - on a whole, Temu is safe. While there are many news articles critical of their manufacturing processes, there are millions of customers buying Temu around the world. Having said that, when it comes to shopping online, safety and legitimacy are crucial considerations. A Reddit post in September 2024 is an example of such concerns, although no specific negative reports were noted. 

Temu is a big business, and scamming customers or harvesting credit card details is not part of the strategy. A few reasons why Temu is safe to use include:
  1. Temu is run by a NASDAQ publicly-listed company where media stories around negative shopper experiences will affect the share price and reputation.  
  2. Temu operates globally with 150+ million monthly active users (with 50+ million coming from the USA).
  3. Temu is the western version of PinDuoDuo (a similar shopping app for Chinese consumers with almost a billion users) and a direct challenger to Amazon given the value of the industry.

If you’re still uneasy about purchasing on Temu, we suggest the following course of action:
  1. Using non-main email accounts (in case of any issues or hacks).
  2. Using virtual or one-off cards for transactions.
  3. Using a credit card rather than a debit card (in case of fraud – you can request a chargeback to get your funds back as your credit card provider is taking the risk in the case of fraud).

What are the different product categories Temu offers?
Temu boasts a diverse range of product categories and offers a few popular sections that most New Zealanders will be interested in:
  • The electronics section offers everything from smartphones to laptops and accessories.
  • The fashion category includes featuring clothing, footwear, and accessories for men, women, and children.
  • Home and kitchen offers a wide array of furniture, kitchen appliances, and decor items.
  • Health and beauty includes skincare, makeup, personal care, and health supplement products. Temu features both well-known brands and niche products.
  • Sports and outdoors category offers equipment and apparel for various activities such as hiking, camping, cycling, and fitness.
  • Other areas: Temu also offers products in niche areas like pet supplies, automotive accessories, books, and more.

The Temu shopping app experience:
  • Our view: The app is addictive as the shopping experience on Temu is designed to be seamless, user-friendly and extremely gamified. While a double-edged sword, having an app that’s providing such time-sensitive and cheap products in a game-like way can be enjoyable (but also means many shoppers might spend a lot more than they initially expect).
  • On the app categories itself, searching for products is easy with the search bar at the top of the app. You can filter results by category, price, brand, and other criteria to narrow down your search.
  • Each product page provides detailed information, including specifications, pricing, and shipping options. User reviews and ratings are also available, offering insights into the product’s quality and performance.
  • If you find a product you like, you can add it to your cart for immediate purchase or save it to your wishlist for future reference. The cart icon on the bottom navigation bar allows you to view and manage your selections.
  • Temu uses advanced algorithms to provide personalised product recommendations based on your browsing and purchase history, helping you discover new products that match your preferences.

​Why is Temu so addictive?

  • The biggest reason why Temu is so addictive is due to the way the app is designed. With many pop-up sales, bright colours and in-app games such as spinning wheels that incentivise you to continue opening and using the app (even when you’re not placing orders), Temu tries to create a feedback loop to keep you coming back and using the app.
  • Additionally, the app leverages AI to identify what products you’re most likely to spend on given how long you look at certain products, your demographic (e.g. what age and gender you are) and through your prior spending history with Temu. 
  • In summary, Temu is addictive - this BBC article from April 2024 explains the issues, and our research team has viewed New Zealanders explaining how their employers, parents and siblings have become addicted. While the costs per order may be low, the totals can add up over time. Temu makes money, but addicts are arguably filling their homes with items they may not have a need for long-term.

Pros and Cons of Temu

Pros and Cons of Temu

Pros:

1. Massive selection of goods
  • ​One of the primary benefits is the extensive selection of products available on the platform. Temu offers a broad range of items across various categories, including electronics, fashion, home goods, beauty products, and more.
  • This variety makes it a convenient one-stop shop for consumers looking to fulfill multiple shopping needs without having to navigate different websites. The extensive product range ensures that users can find almost anything they need in one place, saving both time and effort.

2. Extremely discounted pricing (likely lower than all the other competitors)
  • Another notable advantage of using Temu is its competitive pricing. Temu often provides products at affordable prices, making it an attractive option for budget-conscious shoppers. The platform frequently runs sales, promotions, and special offers that provide additional savings, further enhancing its appeal.
  • By offering discounts and deals, Temu helps users get the best value for their money, allowing them to purchase high-quality products without breaking the bank. This commitment to affordability makes Temu a popular choice among consumers who are looking for cost-effective shopping solutions.

3. Borderline addictive app experience
  • The user-friendly interface of Temu is another significant advantage. Using Temu feels like you’re playing a video game (that rewards you in products).
  • The platform is designed to be intuitive and easy to navigate, with a layout that allows users to find what they are looking for quickly and efficiently.
  • The search functionalities are robust, making it simple to locate specific products or browse through different categories.
  • Additionally, Temu provides personalised product recommendations based on the user’s browsing and purchase history, enhancing the shopping experience by suggesting items that are likely to be of interest. This level of personalisation helps users discover new products that they might not have found otherwise.

4. Fast and efficient shopping experience
  • ​Convenience is a key factor that Temu offers to its users. The platform has a mobile app that allows customers to shop from their smartphones, providing a seamless shopping experience on the go. This means that users can browse, compare, and purchase products from anywhere at any time, making shopping more flexible and accessible.
  • Temu also supports a variety of payment methods, including credit and debit cards, digital wallets, and other online payment systems, which makes the checkout process smooth and hassle-free.

5. Superior returns and refund policies versus competitors
  • Return and refund policies on Temu are designed to be hassle-free, providing users with peace of mind when making purchases. If a product does not meet expectations or has any issues, users can return it for a refund or exchange.
  • This flexibility is a significant advantage, as it reduces the risk associated with online shopping and encourages more people to use the platform.
​
​Cons:
While Temu offers many advantages, it also comes with several drawbacks that users should consider:

1. The quality of the products is often “Hit or Miss”
  • One of the primary cons is the potential for variable product quality. Given the vast range of items available on the platform, consistency in quality can be a challenge.
  • Some users have reported receiving products that do not match the descriptions or images provided on the site. This inconsistency can lead to disappointment and frustration, especially when the purchased items do not meet expectations.

2. Risk of overspending on things you don’t need or really want
  • Temu’s gamified app interface is addictive and coupled with the extremely cheap pricing thus can lead shoppers to spend much more than they initially expected to spend. You may look for a $5 baseball cap and end up with a shopping cart of $125 worth of items you don’t need, let alone want.
  • Our view is simple: Using Temu increases the risk of buying a bunch of tat that fills your home and, shortly afterwards, a landfill.

3. Shipping delays sometimes occur
  • Another significant drawback of Temu is the shipping time, which can be lengthy, particularly for international orders. Unlike some other e-commerce giants that offer expedited shipping options, Temu's delivery times can be unpredictable and often longer than anticipated. This delay can be inconvenient for users who need their purchases urgently.
  • Additionally, tracking information might not always be updated promptly, leaving customers in the dark about the status of their orders. However, any delays outside the delivery window (normally 14 days) entitle you to a voucher or credit.

4. Non-responsive or difficult customer service
  • Customer service, although available through multiple channels, has been criticised for its inconsistency. Some users have experienced difficulties in getting timely and satisfactory responses to their queries or issues. This lack of reliable customer support can be a major drawback, particularly when dealing with returns, refunds, or product issues. Effective customer service is crucial for maintaining customer trust, and any shortcomings in this area can significantly impact user satisfaction.

5. Risk of fake products
  • Another con of using Temu is the potential for counterfeit or substandard products. Given the vast number of sellers on the platform, it is possible for counterfeit items to slip through the cracks.
  • This issue can be particularly problematic in categories such as electronics, fashion, and beauty products, where the authenticity and quality of items are crucial.

6. Confusing layout
  • The user interface, while generally user-friendly, can sometimes be cluttered and overwhelming, particularly for new users.
  • The sheer volume of products and categories can make it difficult to navigate and find specific items. Additionally, the personalised recommendations, while useful, can sometimes be overly aggressive, leading to a less enjoyable browsing experience.

7. Privacy and security concerns
  • Privacy and security concerns are also notable cons when using Temu (which have been flagged in the mainstream media).
  • ​As with any online shopping platform, there is always a risk of data breaches or unauthorised access to personal information. Users must be cautious about the information they share and ensure that their payment details are securely handled. Any lapses in data security can lead to significant issues, including identity theft and financial loss.
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Temu’s Shipping and Delivery Options, Security Measures and Customer Feedback and Support

Temu’s Shipping and Delivery Options, Security Measures and Customer Feedback and Support

​Know This: Shipping and delivery options on Temu are designed to cater to different needs.

The platform offers standard shipping, which typically takes 7-14 business days, and express shipping, which provides faster delivery within 3-7 business days. Delivery times vary based on the shipping method chosen and the product’s availability. Temu provides estimated delivery dates at the checkout stage, helping you plan your purchases accordingly.

​Once your order is shipped, you can track its status through the app. The tracking feature provides real-time updates, ensuring you know exactly when to expect your delivery. In case of delays, Temu’s customer service is available to assist you, providing updates on the status of your order and offering solutions if there are significant delays.
 
Temu’s security measures
Temu prioritises user security and employs several measures to protect customer data and transactions:
  1. Encryption technology: Temu uses advanced encryption technologies to ensure that all personal and payment information entered on the site is secure. This includes SSL (Secure Socket Layer) encryption, which is a standard security technology for establishing an encrypted link between a server and a client.
  2. Secure payment gateways: The platform offers secure payment options, including credit/debit cards, PayPal, Google Pay, and Apple Pay. These payment methods are processed through secure gateways, adding an extra layer of protection for financial transactions.
  3. Privacy policies: Temu has a clear and detailed privacy policy outlining how user data is collected, used, and protected. The platform is committed to safeguarding personal information and complies with relevant data protection regulations.
 
Temu’s customer reviews:
  • Temu has a mix of positive, negative and constructive reviews from users on various review sites globally.
  • Many customers appreciate the extremely competitive pricing, free shipping (at very low minimum spend amounts – although that has increased in recent months), extensive product range, and user-friendly interface. However, like any large e-commerce platform, there are occasional complaints related to shipping times, product quality, or customer service. However, if there are any product quality issues, Temu is quick to offer either full refunds on products or credit/vouchers for late delivery or shipping delays.
 
Temu’s customer support:
  • Temu offers multiple channels for customer support, including live chat, email, and phone support. Live chat is available within the app for real-time assistance, while email support is ideal for detailed inquiries. Phone support is available for urgent issues.
  • The platform’s comprehensive FAQ and Help Center provide additional resources for users to resolve common issues independently. In cases where disputes arise, Temu has a clear process for handling returns, refunds, and other customer complaints, ensuring that users have recourse if they encounter problems.
  • Unlike other platforms like Aliexpress, Temu handles most of the queries or issues related to shipping, meaning you’ll likely be dealing directly with a Temu representative. In contrast, platforms like Aliexpress get you to negotiate or message one of the thousands of random sellers on the platform – which can be problematic.
  • Temu has a straightforward returns and refunds policy. Most products can be returned within 30 days of delivery, provided they are in their original condition and packaging. Once the return is processed, refunds are issued to the original payment method within 5-7 business days.

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Temu Must-Know Facts

Many products sold by most retail or e-commerce stores are coming from China

Many products sold by most retail or e-commerce stores are coming from China

Whether you buy products from Aliexpress, Shein, Temu, Amazon, K-Mart or The Warehouse, many products are likely produced in the same factories in China (unless explicitly sold as “Made in NZ” or “Made in the USA” – although these are likely far more expensive products given the high cost of manufacturing in these countries).
​
At the end of the day, if the products are all coming from the same place, the difference comes down to the price you pay, the time it takes to get to you and the service you get while using the app or shopping experience. 
Temu has a minimum spend before getting free shipping

Temu has a minimum spend before getting free shipping.

While Temu often touts free shipping or extremely dirt cheap prices through discounts or promotions, there is a minimum amount you’ll need to spend to receive these perks (usually NZ$35 – 40). The main reason for this is that it likely costs around $10 – 15 in shipping costs to ship the products from China to New Zealand, so if you were getting free shipping on $1 socks then Temu would almost certainly lose money. 
Temu is specifically designed and gamified to be addicting – be careful

Temu is specifically designed and gamified to be addicting – be careful

Try not to spend too much time on Temu. While it’s a great perk to be able to download a free app that gives you access to cheap goods in rapid timeframes, know that absolutely everything in the app is being analysed and optimised to try and get you to stay on the app and spend more money.
​
You’re literally fighting billions of dollars of investment into AI and machine learning to optimise and maximise the amount of time you spend on the app. Knowing this is what you’re up against and setting restrictions (whether monetary limits per month on Temu or time limits on things like app limits on iPhone) can be helpful.
Temu has a strong returns policy

Temu has a strong returns policy.

Temu will give you a full refund or credit if your product is NOT delivered within the delivery window (usually within 1-2 weeks depending on what you buy). Additionally, when returning products, Temu often just lets you keep the product given the large amount of time, effort and cost it takes to ship a cheap good back to China. This is a silver lining where maybe your product is in not perfect condition but usable condition and you go through the returns policy process whereby you don’t have to return the good but you’re able to get a full refund – you effectively get the good for free. 
Whether you buy through Temu or its competitors, the goods are usually still made in China

Whether you buy through Temu or its competitors, the goods are usually still made in China.

Many products purchased on E-Commerce sites like Aliexpress, Shein, Amazon, Wish and Temu likely all come from China. Ultimately, the front-end interface of where you buy the goods doesn’t matter as much as the quality of the products and the price you pay for those products.
Temu’s growth and acceleration has been nothing short of exponential

Temu’s growth and acceleration has been nothing short of exponential.

Starting from nothing in 2022 to hundreds of millions of users and billions of dollars of gross merchandise value is an incredible growth story – especially competing against the huge behemoths like Amazon, Alibaba and Shein. Temu’s growth is a sign that their product, technology and strategy are all aligned with consumers.

Temu Review - Frequently Asked Questions

Frequently Asked Questions

How do I return a product on Temu?

​To return a product, go to the "Orders" section, select the item you wish to return, and follow the prompts to initiate the return process. Often, if the product is below a certain value, Temu will just let you keep the product and they’ll refund you (rather than get you to ship the product back to the manufacturer in China). 

Are there any membership fees on Temu?

​No, Temu does not charge any membership fees. The app offers discounts and promotions accessible to all users without any additional costs.

How can I get the Temu App?

Setting up Temu is a straightforward process.
​
To begin, you need to download the app, which is available for both Android and iOS platforms. You can find the app on Google Play Store and Apple App Store by searching for "Temu." Once downloaded, open the app and select your preferred language to get started. The registration process is simple and user-friendly. You can register using your email address or phone number.

Alternatively, you can sign up using your Google or Facebook account for quicker access. After entering your details, complete the verification process by entering the code sent to your email or phone. Finally, set up your profile by filling in your name, address, and preferred payment methods.

The app's interface is clean and intuitive, with the home screen showcasing trending products, flash sales, and personalised recommendations. The bottom navigation bar includes tabs for Home, Categories, Cart, Orders, and Account, making it easy to switch between different sections.

How does Temu compare to other shopping apps?

​When comparing Temu to other shopping apps like Amazon and eBay, it holds its own with its competitive pricing, a New Zealand focus and an extensive product range. Unlike Amazon, which often focuses on prime memberships for benefits, Temu offers discounts and promotions accessible to all users. Compared to eBay, Temu provides a more consistent shopping experience with new products directly from manufacturers, as opposed to the auction and resale model of eBay. Additionally, Temu’s focus on the New Zealand market allows it to offer localised products and services that better meet the needs of local shoppers.

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