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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Travelex Money Card vs Wise Debit Card - Which one is best for you?

We compare both Travel Money Cards, looking at fees, features, security and ease of use to help you save money when travelling.
Travelex Money Card vs Wise Debit Card
Updated 22 October 2024
Summary:
  • Travelex has long been the go-to travel money card, but our research below confirms the Travelex Money Card offers poor value exchange rates and high fees compared to Wise's Debit Card.​
  • Savvy travellers are also aware that Wise offers far better exchange rates than Travelex. Wise's business model eliminates the fees associated with exchanging currencies, something we argue Travelex makes a lot of money from. Overseas media is repeatedly negative about Travelex's practices, and we are no fans of their solution for travel money.
  • Wise is far simpler to use, and unlike Travelex, you don't need to lock in the exchange rate when you top up the card. You can keep your money in NZD and be charged whatever the FX rate when you make your purchases. This avoids the need to think about what the NZD will do, and unlike Travelex, there's no 4%+ penalty for keeping your money in NZD and making a foreign currency transaction.

To help you understand the differences between the card, our review covers:
  • Three Must-Know Travelex vs Wise Facts - Fees, Rates and Other Key Differences
  • Travelex vs Wise Comparison Table
  • Travelex vs Wise - Pros and Cons
  • Alternatives to Travel Money Cards
  • Frequently Asked Questions

Advertising disclosure: We may receive payment if you sign up for a card via MoneyHub - please read our advertising policy for more details.

MoneyHub Founder Christopher Walsh shares his views on Travelex and Wise:
"I've never been a fan of the Travelex Money Card for many reasons, but until Wise came along, there was no alternative. However, things have changed, and New Zealanders can benefit from their hard-earned Kiwi dollars go further overseas with a Wise debit card. Best of all, Wise is a big British company and isn't going anywhere, so their unique offering is here to stay".

"Unlike the Travelex card, Wise cardholders don't need to worry about locking in an exchange rate to avoid a penalty 4% charge if they don't fund a 'wallet'. Many New Zealanders, myself included, keep their Wise balance in NZD and enjoy ultra-low fees and top-tier exchange rates on every transaction. If you've used a travel money card before and fretted about when to lock in an FX rate or how to get a better deal, the Wise card solves all of these issues".

"I expect people to order Travelex Money Cards still - that's their decision but they will lose a lot of money as a result. As the video explains below, any comparison you do now will always show the Wise debit card giving you more forex for your NZD. This means everything you buy overseas will be cheaper".
MoneyHub Founder Christopher Walsh
MoneyHub Founder Christopher Walsh

Why We Favour the Wise Debit Card for Savvy Travellers

The Wise Debit Card stands out because it offers unbeatable benefits for New Zealanders travelling overseas:
  • Best Exchange Rates: Get the real exchange rate every time, beating all other cards on the New Zealand market.
  • No Hidden Fees: Spend abroad with peace of mind - no surprise fees, just low costs and transparency.
  • 54 Currencies: Hold, convert, and manage 54 currencies with the best conversion rates—far better than competitors like Travelex.
  • Go Cardless: Seamlessly integrate with Apple Pay and Google Pay for a fully digital experience.
  • Low One-Off Fee: Get the card for a one-off $14 with no ongoing surprises (or avoid the $14 fee and get a digital Wise account). 

Why Choose Wise Over Traditional Travel Cards?
Unlike traditional travel cards, the Wise Debit Card keeps it simple—no tricky fees, confusing rules, or poor exchange rates. With lower fees and superior functionality, Wise outperforms its competitors, especially the Travelex Money Card. Plus, it's highly rated by our readers for ease of use and reliability.

Our Verdict: The Wise Debit Card is a no-brainer for anyone travelling or spending overseas. Using it lets you avoid confusing and expensive travel cards and enjoy smarter, cheaper spending.

​Join Thousands of Happy Travellers Who Love Their Wise Card
With its top-notch benefits and rave reviews, the Wise Debit Card has become the go-to choice for New Zealanders who want to save money and avoid the hassles of traditional travel cards. Whether you're a frequent flyer or planning a one-off holiday, Wise is the smart and simple way to manage your money abroad.
favourite-travel-money-card
Travelex Money Card vs Wise Debit Card
Visit Wise
Our Wise Debit Card Review

Travelex Money Card vs Wise Debit Card Comparison

Three Must-Know Travelex vs Wise Facts - Fees, Rates and Other Key Differences

Travelex Money Card vs Wise Debit Card Comparison

Both cards, Travelex and Wise, are Multi-currency prepaid cards.

This means you can load several currencies onto either card, which is helpful if you're visiting multiple countries. So, for example, you could have AU$500, £1,000 and €1,000 stored on one card in different 'wallets'. Then, when you top the card up, you can lock in the exchange rate or leave a balance in NZD and move it into a currency when you need it.
Travelex Money Card vs Wise Debit Card Comparison

What exchange rate do you get? It differs between cards

This is very important to distinguish between the two cards. Travelex uses the 'Travelex rate', which is well understood to be lower than the interbank rate. Articles from the Financial Times (How I was fleeced by Travelex) and our research (see this video overview) support this case. The differences can be significant and add up the more you spend. Wise uses the interbank rate and adds a small commission, around 0.35%, and you can see how much currency you'll get at any time by visiting their website and using the currency tool.
Travelex Money Card vs Wise Debit Card Comparison

What fees and charges do you pay? Travelex and Wise have very different fees.

1. Travelex is arguably fee-heavy. There is a card fee - Travelex charges "the greater of 1.0% of the initial load/reload amount, or NZ$10". For example, if you purchase a Travelex Money Card and load NZD$2,000, you would be charged $20 (NZD$2,000 x 1.0%=NZD$20) given that NZ$10 is the minimum charge. The less you load initially, the lower the fee, which we find confusing.

You need to load at least NZ$250 (or currency equivalent) per transaction. This makes it less flexible than the Wise card which lets you top up as little as 1 cent (or any amount you want).

Travelex also charges a "Monthly inactivity fee" (NZ$4/month after 12 months of no transactions) and a "Travelex Money Card closure fee" of NZ$10 when you close or Cash Out your Travelex Money Card.

Warning: Travelex also charges a "Currency conversion fee" if you use the card in a currency not loaded. This is the "Mastercard rate" plus "4.00% of the transaction value". This means you'll need to constantly fund a currency every time you top up to avoid the risk of being stung by this high fee. In comparison, you can top up a Wise card with NZD and any transaction made is done at the interbank rate, so you'll get the best exchange rate and the standard Wise fee. We estimate this to save people 90%+ of the costs charged by Travelex for most currencies.

2. Wise, by comparison, is far more straightforward and has a one-off $14 card application fee. This is charged when you order the card and covers the costs of posting it to you. All subsequent renewals are free, so you only pay this fee once. After that, you can load 1 cent or up to a million dollars for free via your bank account (or pay a surcharge to use a debit or credit card). There are no closure fees, inactivity fees or penalty currency conversion fees.


Pro Tip: Wise is far simpler to use, and you don't need to lock in the exchange rate when you travel. You can keep your money in NZD and be charged whatever the FX rate is during your purchases. This avoids the need to think about what the NZD will do, and unlike Travelex, there's no 4%+ penalty for keeping your money in NZD and making a foreign currency transaction.
Visit Wise

Travelex Money Card vs Wise Debit Card

Travelex vs Wise Comparison Table

The table below shows the differences between the cards. However, it's hard to see how this makes a difference until you load money onto a card.

The video below explains how you'll pay much more using the Travelex Money Card when compared to the Wise Debit Card. And that's before you take into account Travelex's 'closure' fees, 'inactivity fees' and unloaded currency surcharges.
Card Name
Number of currencies
What exchange rate will you get?
Card issue fee
Load fees
Travelex Travel Money
9
Travelex's own rates
1% of the initial top-up value
Free (but cardholders pay the Travelex FX rate which is below-market)
Wise Debit Card
50+
Interbank rate + around 0.35%
$14
Free (bank transfers)

Topping up $1,000 into EUR, USD, AUD and GBP - Travelex vs Wise

  • The video below shows you how much foreign currency you will get with NZ$1,000.
  • Try it yourself now for whatever currency you need using the Travelex tool and the Wise tool. All prices are live.
  • The differences add up - this is the main reason why we favour Wise over Travelex. You're paying less for exactly the same thing.
  • We found that the difference is anywhere between 2% and around 5%, meaning Wise 'charges' a lot less for foreign currencies than Travelex.

Travelex Money Card vs Wise Debit Card Comparison

Travelex vs Wise - Pros and Cons

Travelex

Pros:
  • Widely accepted around the world
  • Can lock in an exchange rate in advance for eight foreign currencies

Cons:
  • Poor value exchange rates (compared to Wise and even most credit cards and debit cards).
  • Several fees are charged, including a closure fee and penalty fee for spending in currencies not loaded into a wallet.
  • A minimum NZ$250 top-up (for every top-up) is inflexible.
  • Negative MoneyHub user reports about using the card overseas and the support offered.
  • The company behind the card has a troubled financial history and recently entered administration to save the business from going bust.

More details: Travelex Money Card
Wise

Pros:
  • Widely accepted around the world
  • Can lock in an exchange rate in advance for 50+ currencies.
  • Best exchange rates with no Travelex-type fees
  • You can load NZD into 50+ currencies or keep it in NZD and spend as you go
  • An innovative app that live-feeds all purchases lets you freeze/unfreeze the card and top up from your bank account or card.
  • Connects to GooglePay and Apple Pay.
  • Top up as little as 1 cent

Cons:
  • None that we can identify.

More details: Wise Debit Card

Travelex Money Card vs Wise Debit Card Comparison

Alternatives to Travel Money Cards

Both Travelex and Wise offer a safe way to carry cash overseas. However, they are prepaid cards, so you can't borrow if you have an emergency, nor can you use them to hire rental cars. We have reviewed the best debit and credit cards for travel - this guide explains the best options and what you need to know.

Our view: A credit card with low (or zero) currency fees on overseas spending is arguably a sensible option for purchases made when you're travelling. However, you will need to pay off all of the balance every month to be cost-effective.

We believe banks are not competitive regarding the fees charged when using a debit or credit card for a foreign currency purchase. However, there are some exceptions that this guide outlines.
Visit Wise

Travelex Money Card vs Wise Debit Card Comparison

Frequently Asked Questions

Are either of these Travel Money Cards cards secure?

  • Wise: The Wise card offers contactless purchases and Apple Pay and GooglePay integration (see below). If you're withdrawing money, a PIN is required. 
  • Travelex: Travelex is secure via PIN and also offers contactless payments. However, in 2020 a hacking scandal disabled cards all over the world and forced the company to resort to using pen and paper.

Do either cards connect to GooglePay or Apple Pay?

Wise integrates to both, and the setup is very easy. Unfortunately, the Travelex Money Card doesn't offer any integration, so you will need the physical card to make purchases.Coming soon

Can I claim for a chargeback if something goes wrong with a purchase?

Wise had a anti-fraud support desk, Travelex suggests cardholders call their helpline. However, for chargeback specific information, we suggest following the MasterCard or Visa chargeback scheme, which we outline here.

What happens if Travelex or Wise goes bust?

This question is reasonable given the parent company of Travelex, Finablr, almost went bust in early 2020, before later going into administration. Had it gone bust, there is no protection for the deposits on the Travelex Money Card. It may be held in a ring-fenced trust account, but if it's not, you will become an unsecured creditor of the company. Unfortunately, Travelex offers no information about this very important question.

Wise states that it "uses two approaches to safeguard your funds". This includes depositing the funds at banking institutions and investing them in government-backed liquid assets, primarily government bonds".

Where can I use the Travelex and Wise travel money cards?

Anywhere Visa or Mastercard is accepted - so, effectively, in millions of places worldwide. Of course, this means any ATM and website as well. 

However, there are some exceptions. For example, hotels may require a credit card (but not always) as a pre-authorisation check. Car rental agencies also usually require a credit card, so be conscious of this when planning a trip. 

Should I pay in NZD or the local currency?

Too often, 'Pay in NZD' flashes up on a card machine or ATM when you're overseas. This is called dynamic currency conversion and is usually best avoided. It always uses a lower-than-market rate to make money for the retailer and/or the card machine operator. Our guide to foreign currency exchange has more details.

What happens if my travel money card is lost or stolen?

With Wise, you can freeze the card using the app to prevent contactless payments. You can unfreeze the card if and when you find it again. If you need a new card, it will be mailed to you. 

Travelex requests that anyone who has lost or had their card stolen should call their helpline - no further information is offered about the process. 

Why We Favour the Wise Debit Card for Savvy Travellers

The Wise Debit Card stands out because it offers unbeatable benefits for New Zealanders travelling overseas:
  • Best Exchange Rates: Get the real exchange rate every time, beating all other cards on the New Zealand market.
  • No Hidden Fees: Spend abroad with peace of mind - no surprise fees, just low costs and transparency.
  • 54 Currencies: Hold, convert, and manage 54 currencies with the best conversion rates—far better than competitors like Travelex.
  • Go Cardless: Seamlessly integrate with Apple Pay and Google Pay for a fully digital experience.
  • Low One-Off Fee: Get the card for a one-off $14 with no ongoing surprises (or avoid the $14 fee and get a digital Wise account). 

Why Choose Wise Over Traditional Travel Cards?
Unlike traditional travel cards, the Wise Debit Card keeps it simple—no tricky fees, confusing rules, or poor exchange rates. With lower fees and superior functionality, Wise outperforms its competitors, especially the Travelex Money Card. Plus, it's highly rated by our readers for ease of use and reliability.

Our Verdict: The Wise Debit Card is a no-brainer for anyone travelling or spending overseas. Using it lets you avoid confusing and expensive travel cards and enjoy smarter, cheaper spending.

​Join Thousands of Happy Travellers Who Love Their Wise Card
With its top-notch benefits and rave reviews, the Wise Debit Card has become the go-to choice for New Zealanders who want to save money and avoid the hassles of traditional travel cards. Whether you're a frequent flyer or planning a one-off holiday, Wise is the smart and simple way to manage your money abroad.
favourite-travel-money-card
Travelex Money Card vs Wise Debit Card
Visit Wise
Our Wise Debit Card Review

Related guides and resources:
  • Best Travel Money Cards
  • Wise Debit Card Review
  • Foreign Currency Debit and Credit Card Fees
  • Foreign Currency Exchange

​Travel Money by Country:
  • Australia Travel Money
  • Bali Travel Money
  • Europe Travel Money
  • Fiji Travel Money
  • Japan Travel Money
  • Rarotonga Travel Money
  • USA Travel Money
  • ​UK Travel Money
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
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      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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    • Health & Personal Care
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  • Trade Services
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