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
      • 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
      • ANZ vs AMEX vs Kiwibank 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
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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University and Polytechnic Student CV Templates

Write a stand-out CV to land you a part-time job, internship, grad role or scholarship with our proven steps and free-to-download templates

University and Polytechnic Student CV Templates NZ
Updated 14 July 2024
As a tertiary student, one of the best things you can do for yourself is to put together a great CV. You’ll need a CV if you plan on applying for a part-time job, landing an internship or a graduate role, or sending in a scholarship application. As a document that could score you hundreds of dollars in scholarship money, or net you a high-paying job, it’s worth spending a solid few hours to nail your CV.

While you may already have a CV from high school, the CV you used in year 12 to apply for Burger King isn’t going to cut it if you’re applying for an internship or grad role. In this guide, we’ll help you translate your tertiary experience into a succinct document to catch the eye of employers, recruiters and academic panels alike!
 
Using this guide
  • You may have come across our guides to general CVs and Student CVs. If you haven’t, use these resources to understand the basics of what makes a stand-out CV. Once you’ve got the basics down, this tertiary CV guide will help you tailor your CV to highlight your tertiary experience.
  • This page is for tertiary students attending a university or polytech. If you are a high school student, check out our CV template for high school students.
  • This tertiary CV guide will help you build a CV that works for most opportunities you’ll come across as a university or polytech student. Rather than focus on creative layouts and beautiful graphics, this guide focuses on nailing the core components of tertiary CV writing that you can later convert into a more visual format if you wish.

Our guide covers:
  • Seven must-know tips for writing a great tertiary CV
  • Structuring a tertiary CV – what sections to include and how to write these
  • Four of the most common mistakes with tertiary CVs and how to avoid them
  • Frequently asked questions
  • Next steps

Our Two Trusted Tertiary CV Templates - Free to Download and Adapt
  • We've put together two proven CV templates that go hand-in-hand with this guide. 
  • You can download them via the buttons below and use either as a template for your CV. 
  • If you have any questions or need help, we suggest contacting your University or Polytechnic's career advisory service once you have added the contents to the best of your ability.
Template 1
Template 2

University and Polytechnic Student CV Templates NZ

7 Tips for Writing a Great Tertiary CV

University and Polytechnic Student CV Templates NZ

Tailor your experiences

You want each CV to be tailored to each opportunity you apply for. Think about what type of opportunity you’re applying for (e.g. a law scholarship versus a computer science internship) and what kind of skills or characteristics are required for the opportunity.

Example A:
  • Sarah is applying for an engineering scholarship, so she should highlight her academic results and involvements in engineering.
  • She makes sure her CV includes her first in course awards for engineering, and her role as treasurer of the Engineering Students’ Society.
  • However, she leaves out her experience as a checkout operator so she can write about her engineering experiences in greater depth.

Example B:
  • Liam is applying for an internship as an investment banking summer analyst. The job description states that applicants should demonstrate “analytical ability”, “attention to detail” and “familiarity with global markets”.
  • Liam edits his paragraph about his law summer clerkship to highlight these traits. He changes a sentence from “assisted with reviewing documents for the firm’s major M&A deals” to “reviewed commercial contracts in conducting legal due diligence for a $324m takeover of an NZX-listed company by a foreign buyer”.
University and Polytechnic Student CV Templates NZ

Prioritise

There will probably be quite a few experiences, awards and skills you may want to talk about in your CV. Resist the urge to write about ALL of them. Select the most relevant items.

Know This:

  • As you gather more experience, you should begin to shorten your oldest experiences or remove them altogether – at some point, the fact that you were on your high school’s academic council in year 12 will have little relevance.
  • You can also prioritise by thinking about which awards / experiences are most prestigious. For example, you should include any scholarships in your awards section.
  • For example, you should also add any “first in course” or similar awards – a reader will be able to pick up on how difficult these awards are to receive. If your awards section is looking too full, you may then want to leave out a “letter of commendation” for placing in the top 10% of one of your statistics courses. Compared to a scholarship or first in course award, the letter of commendation is probably less noteworthy.
University and Polytechnic Student CV Templates NZ

Focus on your impact

The strongest CVs highlight how you made a difference at your previous workplaces and in co-curricular groups. Rather than just providing a general description of your role, write about what you did and why that action was noteworthy. Not sure what kind of impact you could link your actions to? Here are some questions to get you thinking:
  • Did your actions directly help the organisation earn more money, or save money? e.g. “managed the university grants process, unlocking an additional $2,000 of funding”
  • Did you save someone else time from doing something? e.g. “streamlined the reimbursement process”
  • Did you develop a tool or resource, or create a new way of doing things? e.g. “developed a new template for invoicing”
  • Did you pull off something particularly impressive? e.g. “hosted a competition with over 500 competitors from across New Zealand”
University and Polytechnic Student CV Templates NZ

Quantify your impact

Use numbers wherever you can to provide additional context and to measure the impact you made in your previous roles. Which is more impressive: “increased club sponsorship” or “signed on three new sponsors, doubling the club’s sponsorship money compared to 2019”? Or what about “managed the logistics and budget for our hackathon” or “hosted a hackathon for 80 students over three days, managing a budget of $5,000”?
University and Polytechnic Student CV Templates NZ

Weave in your skills and characteristics

Wherever you can, describe the skills and characteristics you displayed in each of your work and co-curricular experiences. Having a separate “skills” section in your CV for soft skills like “communication”, “problem solving” and “leadership” adds little value. Instead, give examples of how you demonstrated these skills.

For example, under Tom’s experience as a class representative for one of his finance classes, he might write “advocated for a class of 300 students at faculty meetings” and “resolved two academic disputes between students and teaching staff” to capture all three of these skills. If the job description for the opportunity you’re applying for lists certain characteristics of a successful applicant, try and weave these traits into your CV too.
University and Polytechnic Student CV Templates NZ

Formatting makes a huge difference

How your CV is presented is almost as important as what you write. An employer sorting through hundreds of applications won’t give your CV the time of day if it’s messy or unprofessional. You want to use a clear, consistent layout with plenty of space between sections. For more tips on formatting and spacing, check out our resource here.
University and Polytechnic Student CV Templates NZ

Keep a master CV that contains all your experiences

While you should tailor your CV for each opportunity and remove less relevant experiences, you never know when a past experience will come in handy in the future. Perhaps you want to demonstrate you’ve worked in the same industry or for the same company, or you worked in a similar role to the one you’re currently applying for. Instead of deleting less relevant experiences, cut and paste them into a master CV that contains all of your experiences, awards etc. You can then pick and choose which experiences are relevant for each new opportunity you apply for.

Our Two Trusted Tertiary CV Templates - Free to Download and Adapt
  • We've put together two proven CV templates that go hand-in-hand with this guide. 
  • You can download them via the buttons below and use either as a template for your CV. 
  • If you have any questions or need help, we suggest contacting your University or Polytechnic's career advisory service once you have added the contents to the best of your ability.
Template 1
Template 2

University and Polytechnic Student CV Templates NZ

Structuring a Tertiary CV

Writing a CV as a tertiary student is a bit different to writing a CV as someone who has had several years of work experience. We recommend you structure your CV with the following seven sections:
University and Polytechnic Student CV Templates NZ

Personal information

Start with your full name. Add your email and phone number. If you have a LinkedIn profile that you’ve kept up to date, you may want to include the link to it.
University and Polytechnic Student CV Templates NZ

Education

We suggest including your education information early on as your academic background is likely the first thing that an employer will take note of for a tertiary student. List your tertiary institution, your degree, and your overall grade. Then, add the name of your high school and your NCEA (or equivalent) overall grade.

Include the dates when you attended these schools. You should spell out what your qualification is, rather than using acronyms, especially if your qualification is less common. Keep this section short. There’s usually no need to list which courses you’ve taken unless you’re applying for a technical role where a course is directly relevant to the opportunity.

Examples:
University of Auckland (2011-2015): Bachelor of Laws (GPA: 7.2/9)
Rangitoto College (2006-2010): NCEA Level 3 endorsed with Excellence
University and Polytechnic Student CV Templates NZ

Experience

Write about any paid work experiences here, starting with your most recent experiences. Weave in the skills you displayed, as well as the impact you made. For examples, check out our section on writing an employment history here.
University and Polytechnic Student CV Templates NZ

Co-curricular involvement

Tertiary students often have a short employment history, so writing about your co-curricular activities is a good alternative way to demonstrate important skills. You could include various kinds of activities in this section. You may want to describe your involvement in tertiary clubs and societies. You may also want to include activities not related to your tertiary institution, such as volunteering for a charity or a local community organisation or coaching a sport at a local primary school. As you write this section, focus on drawing out the skills you developed through each activity.
 
Coming up with an impact for a co-curricular activity can be tricky. We’ve got some ideas to get you thinking:
  • Did you boost membership numbers? What did you do exactly to achieve this?
  • Did you secure additional funding? How much funding?
  • Did you host a large-scale event? How many people attended? How much money did you manage?
  • Did you establish new partnerships or sponsorships? How many new partners or sponsors did you bring on board?
  • Did you manage / lead a team? How big was your team? Did the team achieve something you were proud of?
  • Did you come up with a new way of doing things or create a new resource? How did this help your organisation?
University and Polytechnic Student CV Templates NZ

Awards

This section is an opportunity to highlight some of your proudest achievements. As with the rest of your CV, you should select the most relevant and recent achievements. Even for a first-year tertiary student, employers won’t be interested to hear that you were the Dux of your intermediate school.
 
Some ideas you could include (if they apply to you) are:
  • Did you receive a scholarship? What for? What’s the monetary value?
  • Did you receive a faculty-level award? What for, and how difficult was it to receive this award? E.g. Dean’s List
  • Did you receive an award for one of your courses? How difficult was it to receive this award? E.g. first in course award
  • Was your work published in an academic journal?
  • Did you do well in a competition? What was it for? E.g. First Place in the Reserve Bank Economics Competition
  • Did you receive an award for your co-curricular involvements? E.g. Local Hero of the Year nominee
  • Did you represent New Zealand or your region in a sports tournament?
University and Polytechnic Student CV Templates NZ

Personal statement (optional, but suggested)

If you decide to include a personal statement, the best place is below your personal details (outlined in 1. above). Write a short personal statement to capture the reader’s attention quickly. Your personal statement should cover who you are, what you can offer an employer, and what your career goals are. We break down how to write a strong personal statement in our dedicated guide here.
University and Polytechnic Student CV Templates NZ

Interests (optional)

At the tertiary level, you may not have a long employment history, or you may not have been involved in many co-curricular activities. Including your interests and hobbies can be a good way to show your personality, as well as how you spend your time while not studying or working part-time. Interests may also be a great place to demonstrate your soft skills, like leadership and teamwork.

If your interests are relevant to the opportunity you’re applying for, put these first e.g. an interest in automotives if you’re applying for a mechanical engineering internship.

Our Two Trusted Tertiary CV Templates - Free to Download and Adapt
  • We've put together two proven CV templates that go hand-in-hand with this guide. 
  • You can download them via the buttons below and use either as a template for your CV. 
  • If you have any questions or need help, we suggest contacting your University or Polytechnic's career advisory service once you have added the contents to the best of your ability.
Template 1
Template 2

University and Polytechnic Student CV Templates NZ

Four of the Most Common Mistakes with Tertiary CVs (and How to Avoid Them)

1. The CV is too long or has too much irrelevant information:
It can be tempting to list every work experience, co-curricular involvement or award you’ve received since you were fifteen. However, this can bulk up your CV too much. The person screening your CV will likely lose interest and not read beyond the second page of any CV.

What to do instead: A good rule of thumb for a tertiary student is whether you can fit everything you want on your CV on less than two pages. If you’re struggling to cut down, start by condensing or removing your oldest experiences. Unless you’re a first year student, your CV shouldn’t be dominated by experiences you had in high school; by the time you’re in third year, you should have very little information that relates to high school.

2. Not focusing on YOUR impact:
Some applicants write about their work and co-curricular experience as if they’re creating a job description for their previous roles. Whoever is screening CVs doesn’t want to read a generic description of the general duties someone in your role performed – this tells them very little about your personality, traits and skills.

New Zealanders can also suffer from bad cases of tall poppy syndrome: sometimes we’re reluctant to toot our own horn and emphasise our own achievements, preferring to give credit to other people we worked with. Your CV is not a place to be humble – are you applying to get yourself that internship, or to get your co-workers at Foot Locker the internship?

What to do instead: Provide concrete examples of what you did. For example, write “secured three new sponsors, raising club sponsorship value by $3,500” instead of “responsible for sponsor relations worth $6,000”. Use active verbs like “managed”, “established” or “developed” to help you stay focused on your actions. You can also use verbs like “assisted with …” when describing a task where you helped. You don’t need to list every task you completed or every initiative you were responsible for. 

3. Submitting an overly graphical CV:
Some applicants like to get fancy with their templates, using complex graphics and a mix of colours and fonts. There’s a time and place for everything though, including innovative, fun CV layouts. A non-traditional layout may see your CV getting filtered out by ATS, or the employer being confused because the information they expect to see is being displayed too differently.

What’s ATS? If you’ve ever applied for an opportunity and received an email progressing you to the next stage or rejecting you within ten minutes of submitting your application, chances are Applicant Tracking Software (ATS) was involved. Recruiters often use Applicant Tracking Software to screen large volumes of applications and shortlist top candidates. ATS works by scanning CVs and cover letters for keywords related to the job description. ATS often struggles to screen charts and images and can fail to interpret some text accurately. Even if ATS isn’t used, employers are used to seeing certain information in certain places, like personal details at the top of a CV, followed by a personal statement. If you submit a CV with unclear structuring, you risk your CV being tossed out in the first ten seconds.

What to do instead: Unless you’re applying for a creative role, like graphic design or marketing, you’re usually better off using a standard CV template. To maximise your chances of getting through an ATS-assisted recruitment process, you should submit your CV as a simple text document. If you wish to submit a creative CV, you should consider submitting a text document that’s more ATS-friendly alongside your creative CV. Make sure your CV is easy to read and follow. If you think a creative CV would show off your skills well and you want inspiration, check out this example or this example.

4. Submitting a CV with an error in it:
With the volume of applications that a recruiter has to go through, the recruiter will typically have little patience for spelling mistakes or glaring formatting errors. As a document that’s meant to represent you, these errors are a bad look.

What to do instead: Proofread your CV at least three times. After each time, put your CV away and proofread again a day later so you’ll have fresh eyes to catch any mistakes. You could also ask someone else to help you read over it.

Our Two Trusted Tertiary CV Templates - Free to Download and Adapt
  • We've put together two proven CV templates that go hand-in-hand with this guide. 
  • You can download them via the buttons below and use either as a template for your CV. 
  • If you have any questions or need help, we suggest contacting your University or Polytechnic's career advisory service once you have added the contents to the best of your ability.
Template 1
Template 2

University and Polytechnic Student CV Templates NZ

Frequently Asked Questions

How often should I add to or revise my CV?
You should edit your CV before every application to make sure you’re submitting a tailored CV and to make sure you’ve captured any changes since your last edit

How many pages should my CV be?
1-2 pages, especially at the tertiary level. You save less relevant experiences in your master CV.

When writing out dates, should I list just the year or should I list both the month and the year?
Include the month and the year. If you didn’t include the month and simply wrote “2021-2022”, the reader may think you’re trying to hide that you only worked in a particular role from December 2021-January 2022.

How much detail should I go into with each work or co-curricular experience?
Enough to give the reader the highlights. You should aim for at least two bullet points, but not more than four. Each bullet point should contain at least one active verb to demonstrate what you did. At least two bullet points should mention some sort of impact. Provide some context where you can, but you don’t need to go into too much detail. For example:

Vice President of Events - Commerce Students’ Association (2019-2020)
Lead a team of three to host educational events for CSA members, with 2000+ attendees across three events
Established relationships with two new sponsors, increasing CSA’s events budget by 55%

Should I include references on my CV?
Adding in a referee’s details adds often unnecessary words to your CV, so only include this information if the application has specifically requested. The employer can ask you to provide referees if they are interested, so there’s also little point to writing “referees available on request”. If you’re providing a letter of reference to support your application, the letter will contain the referee’s details so you don’t need to repeat these on your CV.

What format should I submit my CV in?
Unless the application says otherwise, PDF is a good default. Compared to Word, PDF preserves your formatting and layout.

I don’t have much to include in my CV. What should I do?
You can either get out there and add more experiences to your CV, or tease out as much as you can from your existing experiences. Getting involved in a university club or volunteering for a charity are great ways for you to develop new skills, meet new people and add experiences to your CV.

Should I add links to my other websites?
Yes, absolutely. An employer may be interested in your LinkedIn, so update this if you’re going to put it on your CV. Depending on which industry you’re in, an employer may also be interested your portfolio. Add a link to your Github, Wordpress or wherever you have a portfolio of your work.

Should I include “Microsoft Office” as a skill?
No, employers will typically assume all tertiary students know how to use Word, and maybe Powerpoint and Excel. Even as a graduate, employers will typically take the time to provide you with training on how to use these products so prior knowledge is not necessary.

Related guides: For more FAQs on writing CVs in general, check out our guide for experienced applicants and high school leavers.

University and Polytechnic Student CV Templates NZ

Next Steps

Your completed tertiary CV is now ready to send out to recruiters and hiring managers. Our related guides are likely next steps:
  • Apply for internships to gain industry work experience, build your network, and develop valuable skills. Check out our Guide to New Zealand Internships.
  • Apply for a part-time job to earn some money while you study. Not sure where to start? Our Student Jobs Guide has some great ideas.

Our Two Trusted Tertiary CV Templates - Free to Download and Adapt
  • We've put together two proven CV templates that go hand-in-hand with this guide. 
  • You can download them via the buttons below and use either as a template for your CV. 
  • If you have any questions or need help, we suggest contacting your University or Polytechnic's career advisory service once you have added the contents to the best of your ability.
Template 1
Template 2

Related Guides
  • Student Jobs
  • ​Cover Letters for Student Jobs in New Zealand
  • Common Interview Questions for Student Jobs
  • How to Write a CV (for adults looking for new or a change of employment)
  • How to Improve your Linkedin Profile
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  • Credit Cards
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        • Qantas Credit Cards
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  • Banking & Savings
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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  • MSD
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    • Best of New Zealand
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  • Travel Insurance
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    • Specific Risk Cover
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    • Essential Information
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
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  • Financial Independence
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      • SortMe Review
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    • Tax
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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