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
        • 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 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
        • 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
        • 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 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
        • 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 Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • 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
      • Money Sweetspot 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
        • 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 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
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • 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
      • Interest Rate Predictions 2025
      • 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
      • 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
    • 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
      • 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
  • 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
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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UK Pension Transfer to New Zealand - The Definitive Guide

Our guide explains everything you need to know about UK to NZ pension transfers, including pros, cons, must-know considerations, tax obligations and identifies some of the New Zealand Superannuation Schemes that can receive a transfer value.
UK Pension Transfer to NZ
Updated 6 May 2025
Summary:
  • ​Pension transfers from the UK to New Zealand have been transacted for over 2 decades but there are many considerations before making a decision.
  • As a general warning, the best approach is to proceed with extreme caution - there are many negative aspects of pension transfers and your decision is usually irreversible.
  • Whilst having control of what can be a significant sum of money might be very tempting, there are a number of risks to your financial security that should be considered. There are specific processes and regulations you should know before transferring funds.
  • It’s always best to consult with a pension expert before transferring funds. This is because of the complexities around the types of UK pension schemes, the UK’s expansive pension legislation and the terms and conditions that might apply to the pension scheme.
  • Here in New Zealand there are numerous issues too including tax, which can adversely affect your pension balances and the type of Superannuation Scheme selected as well as taking on a number of risks that are borne by a previous employer or current insurance company.

In this guide, we outline the general process for pension transfers from the UK to New Zealand. We cover:
  • Is It Legal To Transfer Pension Funds To New Zealand?
  • Transferring Pension Funds From The UK To NZ - Five Things To Know
  • Frequently Asked Questions
  • How Do I Choose A QROPS, and Which One Is Best?
  • Other Relevant Points To Consider Before Making a Final Decision​
  • UK To New Zealand Pension Transfers - Must-Know Facts
  • Concluding Comments

Related Guide: What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?

Know This First: What is a QROPS, and how do I choose the right one for my needs?
  1. A Qualifying Recognised Overseas Pension Scheme (QROPS) is a New Zealand Superannuation Scheme registered with HM Revenue & Customs (HMRC) to receive UK pension transfers without incurring immediate tax penalties.
  2. To choose the right QROPS, you will need to evaluate: (1) investment options (growth, balanced, or conservative funds, and whether ESG or active/passive management is available); (2) tax structure (PIE, Variable Rate PIE, or Widely Held at 28%); (3) currency options (NZD or GBP investments); (4) fees (management and adviser charges); and (5) historical performance (while noting past performance isn’t a future guarantee).
  3. We suggest talking to a knowledgeable adviser to align the QROPS with your financial goals.

Expert UK Pension Transfer Guidance with QROPSNZ.com

Important: MoneyHub has no financial relationship with QROPSNZ.com or any team member. We simply aim to inform our readers of an independent service offering a clear path to UK pension transfers.

Know This: 
  • Navigating a UK to New Zealand pension transfer is complex, with potentially significant financial and tax implications. We suggest contacting the team at QROPSNZ for expert, tailored guidance. With over 25 years of experience in UK pension transfers, the team at QROPSNZ can guide you through every step, ensuring your UK pension is in the best place for your financial future.
  • Whether your pension fund is valued at £50,000 or more (a common threshold for transfers) or even below this amount, the expert team at QROPSNZ can discuss your circumstances, provide options, ensure compliance with UK and NZ regulations, select the appropriate QROPS, and help manage tax obligations.
  • UK pension transfers require time and skill - please don’t leave your financial future to chance. We suggest you consider contacting QROPSNZ.com for a no-obligation consultation to explore the best path for your UK Pension.
Contact QROPS NZ
QROPS NZ
Contact Details:
  • Phone: 0800 102 599
  • Mobile: Auckland +64 (0)21 663 109 or Wellington +64 (0)21 832 512
  • Email: [email protected] 
  • Website: https://www.qropsnz.com

UK Pension Transfer to NZ - Legal to Transfer

Is It Legal To Transfer Pension Funds To New Zealand?

​In short, yes, it is legal. But you must transfer the funds into a Qualifying Recognized Overseas Pension Scheme (QROPS). A QROPS is qualified if it’s a New Zealand Superannuation Scheme registered with UK HM Revenues & Customs (here is a link to New Zealand registered schemes), and the choice is yours as to which scheme you want to invest in. However KiwiSaver schemes cannot register as a QROPS. 

Why is this important?

​Transferring your pension as a 'recognized transfer' limits your tax liabilities upon transfer (in most cases). However any guarantees or promises within the UK scheme would be lost upon transfer to the QROPS scheme you select.

UK Pension Transfer to NZ - Five Things To Know

Transferring Pension Funds From The UK To NZ - Five Things To Know

​​There are specific regulations for transferring funds from the UK to NZ, which we detail below:
UK Pension Transfer to NZ - Five Things To Know

Understand What Pensions you can Transfer

Generally you may transfer most pensions but there are some circumstances that preclude a transfer that a UK pensions specialist will be able to identify for you.
 
Examples of UK pension schemes that might permit a transfer include:
  • Occupational pension schemes, which include
  • Defined Benefit Schemes
  • Small Self Administered Schemes
  • Auto Enrolment Schemes (UK equivalent of KiwiSaver)
  • Executive Pension Plans
 
Private pension schemes, which include:
  • Personal Pensions
  • Retirement Annuity Plans
  • Self Invested Personal Pensions
  • Buy-out Bonds
UK Pension Transfer to NZ - Five Things To Know

There are tax considerations

Tax regulations took effect in 2014 sought to bring about a level playing field between those who transfer their benefits to New Zealand and those who decide not to, and in fairness to the NZ tax office they are generally well devised. The regulations introduced a four-year transfer window. This starts the day you become a New Zealand tax resident. If you transfer your UK pension into a QROPS within this time, you won’t normally incur a New Zealand tax liability on the transfer. It also gives new migrants a chance to see if they can secure permanent residency before being faced with a major decision that for some is irrevocable.
 
After the first 4 years income tax will be assessed on the transfer value. There are two methods of calculating the liability. The taxable amount is assessed at your marginal rates of income tax but this will change in April 2026.

If you are transferring a defined benefit scheme you can only use the Schedule Method. If you are transferring other types of scheme you can use either calculation method that results in the lowest tax liability
 
It’s important that you appreciate your QROPS scheme will incur tax liabilities each year on taxable investment returns and, typically, the liability will not be to dissimilar to the tax liability that would accrue under the schedule method. In addition the QROPS has management fees that will be deducted from your plan each year and your adviser may also make an annual charge to cover the cost of any on-going advice. The combined effect of these charges is likely to be considerably higher than the impact of tax and fees being deducted by your UK pension scheme (note there are no fees attaching to membership of a final salary scheme). There may be tax implications for other savings in New Zealand for the following 2 years, such as your KiwiSaver.
 
UK pension schemes only pay tax on dividend income from their investment in shares; all other investment returns are tax-free. For that reason UK pension schemes only permit 25% of the ‘fund value’ to be taken as a tax free lump sum, the rest must be taken as a pension that is subject to income tax. Under the rules mentioned above, the receipt of a tax-free lump sum from a UK pension scheme would be subject to income tax in New Zealand. However due to the tax treaty that exists between the UK and New Zealand, your UK pension would only be subject to income tax here in New Zealand. This just requires a simple form to be completed to invoke the treaty terms and your adviser or tax professional should be able to help.
 
Superannuation Schemes might operate as PIE schemes (like many KiwiSaver schemes), as variable rate PIE schemes or as Widely Held share schemes. The latter assesses all taxable gains to one uniform rate of 28% regardless of your personal tax situation.
UK Pension Transfer to NZ - Five Things To Know

Understanding the UK Tax Liabilities

It’s best to use a pension expert when transferring your funds; one wrong move and you could lose a large portion of your retirement funds. While you'll need to transfer your money into a QROPS; UK regulations require you to obtain a pension report from a suitably qualified and authorised UK based financial adviser for all defined benefit schemes and personal plans above £30,00 that contain a Guaranteed Annuity Rate and/or a Guaranteed Minimum Pension (GMP) liability.

Expect to pay up front for the report; typical costs will be several thousand pounds unless you are in ill health, or in serious financial hardship and over the Normal Minimum Pension Age, (NMPA); in these circumstances the UK regulator will allow the UK adviser to secure remuneration by way of a commission should the transfer to a New Zealand scheme proceed, in all other instances the UK regulator insists the adviser charges a fee for advice. As it that wasn’t enough complexity, there are other considerations to be aware of:
  • As a result of the introduction of the Overseas Charge by the UK tax office, you may be assessed for a UK tax liability if you subsequently leave New Zealand within five years of the transfer and don’t take remedial action. The remedial action required depends upon your age at the time and where you move. For example, if you move to Australia and are aged less than 55 (See later), you will have to transfer your pension back to a UK scheme. This is because Australian schemes cannot receive UK tax relieved funds in respect of individuals who are (currently) below NMPA. If you are over the NMPA you can look at your withdrawal options from the New Zealand QROPS.
  • The tax liability has to be deducted by the QROPS (who are jointly and severally liable for the tax liability with you) and is set at a blanket rate of 25% of the taxable amount. 
  • If you transfer to a QROPS which wasn’t eligible to register with HMRC, or whose registration is subsequently cancelled, you could incur a 55% tax liability. Make sure you undertake appropriate checks to make sure the scheme you are considering using has the systems, knowledge and controls to satisfy HMRC’s expectations and adhere to the rules that extend from the UK, such as NOT paying a benefit that wouldn’t be permitted if you still lived in the UK: Financial hardship below NMPA being one example.
  • If you receive income from the QROPS and return to the UK within the first 5 complete and continuous tax years from first leaving, you could still be assessed for UK income tax.
  • If you receive benefits from your QROPS and return to the UK, you (and your UK employer) may be stymied in your ability to make further pension contributions to a UK pension plan.
  • If you receive any money from your QROPS before NMPA except in circumstances of ill health (that preclude you from working again), it may be liable to UK taxation and may threaten the ability of the QROPS to retain registration as a QROPS. One of the reasons KiwiSaver cannot be a QROPS is because the rules governing these schemes permit access to funds (subject to trustee approval) in times of financial hardship. This facility doesn’t exist under UK regulations.
 
It is important to be aware that the UK tax office regards all money paid to you by a QROPS comes firstly from the amount that was (originally) transferred from the UK scheme. I.e. you cannot access any investment growth from the QROPS until such time as you have accessed all the money that was transferred from the UK. Any amount received from your QROPS that wouldn’t be allowed from a UK pension scheme is an ‘unauthorised payment‘ and may be subject to taxation.
 
Despite living in New Zealand the tax treaty that exists between the two countries calls upon both nations to collect any tax liability from its citizens that are due to the other country.
UK Pension Transfer to NZ - Five Things To Know

Know the Process to Transfer Your Pension from the UK to New Zealand

Your New Zealand Adviser may have to secure a report from an appropriately licensed UK adviser if the transfer value of your UK plan (or the cumulative value of more than one plan) is £30,000 or more and your entitlement is held by:
  • a defined benefit scheme
  • a pension annuity (a type of personal plan)
  • a buy out bond that contains specific pension entitlements
  • a personal plan, buy out bond or an executive plan that contains a guaranteed annuity rate clause
 
Only specially licensed UK financial advisers can provide reports under 1 and 3 above. The UK adviser must provide a personal recommendation, which is based on the starting premise that a transfer is inappropriate unless on current evidence it is unquestionably clear that a transfer would be in an individual’s best interests. 

Defined Benefit Schemes should make you aware within 1 month of receiving your request for a transfer value if you will need to secure a UK report

Defined Benefit Schemes have 3 months to issue you with a transfer value (referred to as a Cash Equivalent Transfer Value)

The quotation generally has a 3 months expiry date by which time, if the recommendation is to transfer, all completed documentation required by the scheme must be returned

The UK scheme then has a further 3 months to finalise any due diligence and make payment, but if they need more time to make enquiries this is generally permitted
 
If you have a personal scheme there are no set timescales apart from returning specific documents that form part of a large package of forms within 60 days of the transfer value quotation date.
​
As a result of the increase in Scams the UK Pension Regulator has increased its expectations on all pension providers (occupational and personal) to be vigilant, and make sufficient enquiries to satisfy themselves that the transfer of benefits isn’t an attempt by an individual to scam the pension plan member out of their retirement savings. You should therefore expect a large amount of information being required by the UK pension scheme. They will almost certainly insist on dealing with you directly rather than via your New Zealand adviser (because NZ financial advisers are not registered with the UK financial services regulator).

​It is quite likely that the time taken to finalise any transfer will be considerably longer than the timeline identified above. However there are limits on how much they can reasonably expect of you and there are some restrictions imposed by the provisions of the General Data Protection Regulations (GDPR) (Data Protection Act 2018). However, you will need to be patient.
UK Pension Transfer to NZ - Five Things To Know

Important: Don't Be Reluctant to Seek Expert Help

Transferring your pension funds to New Zealand might be a good idea if you’re retiring in New Zealand, but make sure you know the regulations.

Transferring all of the types of schemes identified in point 4 comes with added risk, that’s why the UK financial services regulator imposes additional advice requirements. You (and your adviser) will need to consider additional factors including:
  1. You are transferring investment risk before and/ or after retirement from the UK scheme to yourself. Don’t get carried away with media (or adviser hype) about historical investment returns. All types of underlying investment in the QROPS can fall as well as rise and are not guaranteed. If you are contributing to your KiwiSaver the actual fall in underlying values may be greater than you think, having been ‘masked’ by your on-going contributions. Even ‘safe haven’ funds (such as those invested in corporate and Government debt) have suffered dramatic falls in 2022.
  2. You transfer longevity risk’ to yourself;​guessing what age will you die and thus how long will you need to make the money last for. People are living longer on average, but medical advances mean that for many the extra years are spent in poor health and with added costs. The Office for National Statistics in the UK offer a simple online tool that can give you some idea of your life expectancy, but personal health details should be taken into account. Following the demise of New Zealand’s only variable annuity product, the country sadly no longer offers investors a guaranteed retirement income option, meaning your retirement fund is subject to the vagaries of investment returns, second guessing one’s life expectancy which might necessitate temporarily reducing or even ceasing one’s retirement income from the QROPS in order to improve the chances that your retirement fund will outlast you
  3. You transfer sequencing of investment returns to yourself, a run of negative investment years as you enter retirement could seriously impact on the ability of your fund to provide you with the income you need in retirement
  4. Your own behavioural bias could lead you into making a bad decision. The lure of a significant sum of money instead of a guaranteed income in retirement can play havoc with your thought process
  5. You are giving up a guaranteed income for life (and a surviving partner’s life), which might be accompanied by generous inflation proofing, for all the uncertainties identified in points 1 to 4.

Expert UK Pension Transfer Guidance with QROPSNZ.com

Important: MoneyHub has no financial relationship with QROPSNZ.com or any team member. We simply aim to inform our readers of an independent service offering a clear path to UK pension transfers.

Know This: 
  • Navigating a UK to New Zealand pension transfer is complex, with potentially significant financial and tax implications. We suggest contacting the team at QROPSNZ for expert, tailored guidance. With over 25 years of experience in UK pension transfers, the team at QROPSNZ can guide you through every step, ensuring your UK pension is in the best place for your financial future.
  • Whether your pension fund is valued at £50,000 or more (a common threshold for transfers) or even below this amount, the expert team at QROPSNZ can discuss your circumstances, provide options, ensure compliance with UK and NZ regulations, select the appropriate QROPS, and help manage tax obligations.
  • UK pension transfers require time and skill - please don’t leave your financial future to chance. We suggest you consider contacting QROPSNZ.com for a no-obligation consultation to explore the best path for your UK Pension.
Contact QROPS NZ
QROPS NZ
Contact Details:
  • Phone: 0800 102 599
  • Mobile: Auckland +64 (0)21 663 109 or Wellington +64 (0)21 832 512
  • Email: [email protected] 
  • Website: https://www.qropsnz.com

UK Pension Transfer to NZ Frequently Asked Questions

Frequently Asked Questions

What is the earliest age I can access my UK pension fund (Normal Minimum Pension Age)?

Currently 55, unless you are in ill health (meaning your health will not enable you to return to work again; this needs to be confirmed by your medical professional). However this will increase to 57 from 6th April 2028. The UK Government is currently working on provisions that might offer relief to those who will attain age 55 before 6th April but who would otherwise have to stop receiving benefits after April 2028 because they’re not yet 57. As yet those provisions are unknown.
 
Those individuals who were members of a UK pension Scheme or QROPS might still have access to their benefits at the ages of 55 or 56 if:
  1. You had money invested in a pension scheme on 3rd November 2021, and
  2. The rules of THAT pension scheme gave unqualified right to take your pension savings from an earlier age than 57. (What this means is you don’t need approval from the trustees or administrator of the pension scheme to take your benefits, and
  3. Those rules were in place on 11th February 2021

​You may also retain the right to access at 55 or 56 if you transferred into a QROPS or UK pension scheme that meets the requirements above on or before 3rd November 2021 (or signed paperwork before 3rd November 2021. There is one other way one can access the earlier age, but the likelihood of the criteria being met on transfer to a QROPS is very remote so has been ignored for the purposes of this article.
 
If you already have a QROPS, check the investment statement or product disclosure document for coverage on this issue. If it makes mention of trustee approval to access benefits or mentions age 55, or any age set by the UK Government, you are caught by the new rules and will have to wait until you are 57 or in ill health preventing you from working ever again or suffering from an ill ness likely to result in death within the next 12 months.

Important: Be careful about transferring from a UK pension scheme where you have the right to take benefits from age 55 (or younger) as this right will now be lost on transfer to a QROPS.

Can I transfer my UK pension to New Zealand?

Yes, as long as you meet specific conditions:
  • You are not already receiving income from most annuities purchased with your UK pension funds
  • You aren’t receiving a pension from your defined benefit scheme or normally (but not always) you aren’t inside the final 364 days before the pension scheme’s normal retirement age; and
  • Your pension is not a State Pension or an unfunded public sector pension scheme (e.g. NHS, Civil Service, Police and Fire Services)
​Technically yes, but it would result in a tax penalty that would be deducted by the UK scheme. You might be able to reclaim the tax if you subsequently take up residency in New Zealand. But you will have lost out on potential investment returns on the money and the exchange rate of £ for $ is likely to be different. ​

How long does it take for UK pension funds to be transferred to New Zealand?

​While there are no guidelines, and every scheme is different, you can expect any time between one and nine months (defined benefit schemes generally take the longest). Once the money is received in New Zealand, your investment scheme should issue you with confirmation of the amount received and details of the investment bought with the money. 

How can I withdraw money from my QROPS account?

​Once you reach NMPA, you can receive the money requested from your QROPS account (as a one-off payment, as a regular income or as a combination of both). You can have an early entitlement to your money if you are , retiring early due to ill health. ​

Will I pay fees to transfer my UK pension to New Zealand?

Yes and No. It depends on how you initiate the transaction and who the QROPS manager is. While you will almost certainly pay on-going management fees to the QROPS administrator and perhaps investment fees to the funds management group, there may also be a one-off advisor fee and/or on-going service fee for handling the transfer and providing advice. To know what you’ll pay, ask upfront about the potential fees that will be charged to transfer the money and provide on-going investment advice (including how much it is sensible to spend each year throughout retirement without spending all your QROPS fund whilst you are still relying on it to provide you with income).
​
 If you need a report from a UK adviser, expect to pay a fee upfront for their report unless you are in serious ill health or in severe financial difficulties and over NMPA

What happens if I transfer to an overseas scheme that is not a QROPS?

​Generally, if you transfer to an overseas pension that it not a QROPS, the transfer will be seen as an 'unauthorised payment' which can incur a tax charge of up to 55%, in addition to other potential penalties. Never move your pension fund without full consideration - many scams exist in the UK and people have lost their pension balances and found themselves with tax bills to pay for the unauthorised payment they initially received. Pension schemes and insurance companies will undertake due diligence to try and eradicate this risk, but scammers can be very clever with documentation and when answering questions

What are the tax implications of transferring my UK pension to New Zealand?

If you transfer either:
  • Within four years of becoming a New Zealand tax resident
  • Or (if returning to New Zealand) within four years of returning after you acquired your first overseas pension (if you have been in and out of New Zealand, this will require some analysis)

​You typically avoid New Zealand tax on the transfer itself. After this period, income tax applies on the transfer value, calculated using either the Schedule Method (mandatory for defined benefit schemes) or the Formula Method (for other schemes, allowing the lower tax liability).


QROPS schemes also face annual tax on investment returns, often at 28% for Widely Held schemes, and management fees further reduce returns. UK tax liabilities may arise if you leave New Zealand within five years post-transfer or transfer to an ineligible QROPS, potentially incurring a 25% or 55% tax charge.

How do I know if my UK pension is eligible for transfer to a New Zealand QROPS?

Most UK pensions, including Defined Benefit Schemes, Personal Pensions, Self-Invested Personal Pensions (SIPPs), and Buy-out Bonds, are eligible for transfer to a QROPS, provided you’re not already receiving income from them or within 364 days of the scheme’s normal retirement age. However, State Pensions cannot be transferred and unfunded public sector pensions (e.g., NHS, Civil Service) require very specific circumstances for transfer.

​For Defined Benefit Schemes or plans with Guaranteed Annuity Rates or Guaranteed Minimum Pensions valued over £30,000, a UK-authorised financial adviser’s report is mandatory. A pension specialist can confirm eligibility and guide compliance.

What benefits might I lose by transferring my UK pension to New Zealand?

Transferring to a QROPS means forfeiting UK pension benefits, such as guaranteed lifetime income, inflation-linked increases, spouse or dependent pensions, and funeral expense grants. Defined Benefit Schemes, in particular, offer employer-backed security, which is lost upon transfer, leaving you to manage investment and longevity risks. UK schemes also enjoy tax advantages on growth and contributions.
Additionally, UK consumer protections, like the Financial Services Compensation Scheme and Pension Protection Fund, are unavailable in New Zealand, increasing your financial exposure.

How do exchange rates impact my UK pension transfer, and can I mitigate the risk?

The NZD:GBP exchange rate significantly affects the value of your transferred pension. For example, a £50,000 pension is worth NZ$100,000 at a 0.50 NZD:GBP rate but NZ$125,000 at 0.40.

A less favourable rate at the time of transfer can reduce your retirement funds. Some QROPS allow you to hold investments in GBP, delaying currency conversion until a better rate is available. Alternatively, foreign exchange dealers can offer fixed-rate contracts for up to 12 months to manage currency risk. Discuss these options with your adviser to optimise your transfer timing.

Why is a UK adviser’s report required for some pension transfers, and what does it cost?

For Defined Benefit Schemes, personal plans with Guaranteed Annuity Rates, or plans valued over £30,000 with specific entitlements, UK regulations mandate a report from a UK-authorised financial adviser. This report assesses whether the transfer is in your best interests, starting from the premise that it’s not unless evidence proves otherwise. Costs are typically several thousand pounds and must be paid upfront unless you’re in ill health or severe financial hardship and over the Normal Minimum Pension Age (currently 55, rising to 57 in 2028). This ensures compliance and protects against unsuitable transfers.

Can I leave my UK pension in the UK instead of transferring it to New Zealand?

You’re not required to transfer your UK pension upon moving to New Zealand. Leaving it in the UK allows you to retain valuable benefits, such as guaranteed income and consumer protections. You can draw benefits when eligible (from age 55 or 57 from 2028), managing currency risk through fixed-rate exchange contracts. You will need to pay New Zealand taxes when any payment is made to you from the UK scheme (even the 25% tax-free lump sum), as the regulations give New Zealand taxing rights on your UK pension payments regardless of whether you bring the funds into New Zealand.

What happens if I transfer to a non-QROPS scheme or an ineligible QROPS?

Transferring to a non-QROPS or an ineligible QROPS (e.g., one not registered with HMRC or later deregistered) is considered an unauthorised payment, incurring a UK tax charge of up to 55%, plus potential penalties. This could significantly reduce your retirement savings and leave you with tax liabilities. To avoid this, verify the QROPS’s HMRC registration and ensure it has robust systems that comply with UK regulations. Due diligence by your adviser and the UK pension scheme can further mitigate scam risks, which remain a concern.

How long does a UK pension transfer to New Zealand take, and what delays should I expect?

Transfer times vary from one to nine months, with Defined Benefit Schemes often taking longer due to mandatory UK adviser reports and due diligence. The process includes obtaining a Cash Equivalent Transfer Value (valid for three months), submitting documentation, and allowing the UK scheme up to three months for payment. Increased UK Pension Regulator scrutiny to prevent scams can extend timelines, requiring extensive information from you. Most UK pension transfers now also require a UK government MoneyHelper interview in the UK, and the booking times for these are around six weeks.

How Do I Choose A QROPS, and Which One Is Best

How Do I Choose A QROPS, and Which One Is Best?

There are many options when it comes to recognised overseas pension schemes. Generally, the best approach to find the most suitable is to consider the following:
 
Step 1: Understand the Investment options - is the fund growth-focused (the riskiest, as they invest in shares), balanced funds (mixing share investments with less risky term deposits and cash etc.) or conservative (even lower risk, with usually around 80% of the money invested in bank deposits and fixed-interest bonds). Do they offer specific investment fund options, such as funds invested with an ESG remit, global equities, Australasian equities for example where you can chose your own investment mix; do they offer passive or active funds management, perhaps they offer both?
 
Step 2: Understand whether the scheme is taxed under the PIE, Variable Rate PIE or Widely Held Share scheme tax rules- if it’s a PIE scheme the fund will be taxed using your PIR. If Variable Rate you could qualify for a 0% tax rate for a period of time. If Widely Held then regardless of your PIR or personal marginal income tax band the taxable returns will be taxed at 28%. In all cases permitted fees incurred can be offset against the tax liability
​
Step 3: Understand what happens to your money when it arrives- If the QROPS only offers $ denominated investments then your money will be converted on the day it arrives. Meaning it’s a single transaction that in hindsight could turn out to be good, bad or just indifferent. If the scheme offers both £ Sterling and $ denominated investments it will be up to you decide which currency you invest in. If you are using a financial adviser they will be able to provide advice on this matter, but bear in mind the £Sterling and $ cross is one of Sterling’s most volatile pairings
 
Step 4: Understand the fees - all QROPS funds charge management fees, usually in a dollar amount and/or a percentage of your investment’s value. Either way, the lower the fees, the better off you’ll be in retirement (if returns are equal among providers).
 
Step 5: Evaluate the Performance - you can only compare funds in the same categories; for example, it’s pointless to compare the performance of a growth fund with a conservative fund – they invest in entirely different things. To get an idea of the best-performing funds, shortlist some funds and ask for the most recent financial results (or look online). But extreme care needs to be taken, there may be reasons why one fund has outperformed another, perhaps the fund took an aggressive stance with its allocation to growth investments that paid off over the period. Regardless past performance is no guarantee of future performance and the value of units in an investment fund can fall as well as rise and isn’t guaranteed. This is where a financial adviser can add real value

Step 6: Quiz the adviser. How much do they actually know about UK pensions? Merely transferring money for X years for other clients doesn’t necessarily imply any knowledge, just form filling ability. Remember this may well be an irrevocable decision.

UK Pension Transfer to NZ - Relevant Points

Other Relevant Points To Consider Before Making a Final Decision​

  • Transferring your UK pension isn’t as straightforward as it seems, and there’s a lot to consider. You may even decide the best option for your circumstances is not to transfer your pension even after moving to New Zealand
  • If it isn’t right to transfer the benefits this year, that shouldn’t be the end of the issue, it is worthwhile reconsidering every year because individual circumstances change
  • We’ve itemised six must-know facts below to help you navigate the process while being better informed.
  • Whatever you decide, there will be advantages and disadvantages, and in many cases, it’s a significant financial decision. For this reason, it’s important to consider taking expert financial and tax advice.
  • ​The UK has extensive protection for consumers ranging from requiring financial advisers to hold insurance to reimburse clients where they have erred and the error has caused financial loss, to the Financial Services Compensation Scheme which offers cover of up to £85,000 per investment or 100% of any annuity instalments if a provider goes bankrupt, and the Pension Protection Fund which offers very significant protection to members of defined benefit schemes whose employer has ceased trading and there are insufficient assets in the pension fund to meet everyone’s accrued entitlement. The UK also offers access to two ombudsman services, who can make financial awards and even order a pension scheme to reinstate your benefits if their due diligence is deemed inadequate and you are scammed out of your pension fund. New Zealand currently has few protections.

UK Pension Transfer to NZ - Must-Know Facts

UK To New Zealand Pension Transfers - Must-Know Facts

UK Pension Transfer to NZ - Must-Know Facts

Transferring the pension could mean you relinquish other benefits

Some UK pension schemes provide additional features such as spouse and/ or dependent pensions, inflation-linked increases and other benefits such as a funeral expenses grants. If you transfer the money to New Zealand these add-ons will be lost.
UK Pension Transfer to NZ - Must-Know Facts

Exchange rates significantly affect the amount of money you’ll receive

With the effects of BREXIT and the relatively strong NZD:GBP exchange rate, you may transfer your pension balance when it’s less favourable to do so. For example, a £50,000 pension balance is worth $100,000 with a 0.50 NZD:GBP rate, but at 0.40 the balance jumps to $125,000. 
UK Pension Transfer to NZ - Must-Know Facts

Pension terms and benefits vary between New Zealand and the UK

The UK is very pension benefit-focused, which can be financially rewarding to many people in their retirement. Your expected annual pension in the UK may be significantly more than what you’ll receive in New Zealand. In such cases, you may be in a worse financial situation by transferring to New Zealand.
UK Pension Transfer to NZ - Must-Know Facts

Once you transfer, you’ll give up your UK pension benefits

If you transfer your UK pension you’ll give up on attractive terms and conditions like guaranteed annuity rates (they aren’t offered any more). If you transfer your Defined Benefit Scheme a previous employer won’t allow you to reinstate them, even if you return to the UK. A new employer is unlikely to offer access to membership of a defined benefit scheme. Even in circumstance where they do (such as NHS, Teachers and police service) they usually offer a fixed pension at retirement based on the value in your QROPS fund. It’s highly unlikely the fixed pension will be anywhere near the level of annual pension transferred to New Zealand in the first place, because the original transfer value was a discounted value of the true benefits and tax and charges will have been deducted each year.
UK Pension Transfer to NZ - Must-Know Facts

There are tax implications if you decide to transfer

Transferring pension(s) from the UK to New Zealand can have tax implications. To ensure you’re aware of the liability and when it must be paid, it’s best to consider taking specialist financial and tax advice. If you aren’t entitled to any benefits from the transferred fund you will (currently) have to meet the liability from your own funds. Of course that could change in the future if New Zealand decides to change its tax rules relating to overseas pension/superannuation transfers.
UK Pension Transfer to NZ - Must-Know Facts

You don’t have to transfer your pension if you leave the UK

If you move to New Zealand, you don’t have to transfer your UK pension. You are able to leave the pension in the UK and draw down on the benefits when you're eligible to. You can manage currency risk (just in case the New Zealand Dollar gains in value against the British Pound) many Foreign Exchange currency dealers will offer a contract offering a fixed exchange rate for the following 12 months which you can accept or decline (for now); in addition they tend to charge considerably less in bank costs to transfer money from the UK to your NZ bank account.
​
The UK online Pensions Dashboard will start offering details of your UK pension scheme via a secure online portal. This will eventually include all occupational and personal pension schemes as well as your state pension entitlement. You’ll no longer have the worry of keeping in touch with UK pension schemes or trying to track down each of your pension benefits at a later date, removing a possible reason to transfer to a QROPS.

UK Pension Transfer to NZ - Concluding Comments

Concluding Comments

  • Transferring a UK pension to New Zealand is not straightforward and the decision-making process should not be rushed. 
  • UK personal pension plans are generally considerably cheaper to run than NZ Superannuation Schemes. The sponsoring employer meets all costs incurred in providing a pension from defined benefit scheme (except bank costs associated with paying the pension to you).

Important: When considering transferring your pension to New Zealand, be aware that some companies offering "pension transfer services" may not provide comprehensive advice, particularly regarding critical tax implications. Below is an overview of key providers and their limitations:
  • Booster: Relies on a network of financial advisers who may lack specialised expertise in pension transfers, which can mean limited guidance on the process.
  • Britannia: Provides minimal tax advice and restricts transfers to their own pension scheme, which may limit flexibility and.
  • Craigs Investment Partners: Operates a dedicated pension transfers department but offers limited advice on UK pension specifics and associated tax implications.
  • SuperLife (NZX): Does not provide pension transfer advice and is currently in the process of selling its QROPS client base.

Our View: For a secure and informed pension transfer, it is best to seek providers who offer thorough advice, including detailed guidance on tax implications and compliance with both New Zealand and UK regulations.

Expert UK Pension Transfer Guidance with QROPSNZ.com

Important: MoneyHub has no financial relationship with QROPSNZ.com or any team member. We simply aim to inform our readers of an independent service offering a clear path to UK pension transfers.

Know This: 
  • Navigating a UK to New Zealand pension transfer is complex, with potentially significant financial and tax implications. We suggest contacting the team at QROPSNZ for expert, tailored guidance. With over 25 years of experience in UK pension transfers, the team at QROPSNZ can guide you through every step, ensuring your UK pension is in the best place for your financial future.
  • Whether your pension fund is valued at £50,000 or more (a common threshold for transfers) or even below this amount, the expert team at QROPSNZ can discuss your circumstances, provide options, ensure compliance with UK and NZ regulations, select the appropriate QROPS, and help manage tax obligations.
  • UK pension transfers require time and skill - please don’t leave your financial future to chance. We suggest you consider contacting QROPSNZ.com for a no-obligation consultation to explore the best path for your UK Pension.
Contact QROPS NZ
QROPS NZ
Contact Details:
  • Phone: 0800 102 599
  • Mobile: Auckland +64 (0)21 663 109 or Wellington +64 (0)21 832 512
  • Email: [email protected] 
  • Website: https://www.qropsnz.com

Related Guides
  • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
  • Managed Funds
  • Investing in New Zealand
  • Our Favourite KiwiSaver Funds
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