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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The 'No Nonsense' Economy to Business Class Flight Upgrade Guide

Reasons Why You WILL NEVER be Upgraded to Business Class
Updated 11 November 2024
Summary of our Upgrade Guide:
  • We don't believe the question of 'will I be upgraded?' should be a mystery. There are many urban myths, and we want to make it clear how upgrades work, and who gets them.
  • Our research outlines 8 reasons why you won't be upgraded, and 6 ways you can will be. 
  • In almost every case, airlines only upgrade passengers when a flight is full. Airlines know some people will change their tickets at the last minute, cancel or not show up, and for this reason will sell more tickets in Economy knowing they can move people to a higher cabin, for example Premium Economy or Business Class.
  • The path to an upgraded ticket is not one of luck. The most influential factor is airline status. For example, if Air New Zealand needs to upgrade one passenger to Hawaii, is it going to pick an elite-level Airpoints member, or someone with no loyalty who bought a cheap seat+bag fare? The answer is easy - the elite-level member will be upgraded. 
  • Airlines increasingly are realising the value of extra revenue and will offer passengers last-minute opportunities to 'upgrade', by either placing a bid, or for a nominal fee.
  • This guide has been published to dispel myths and make it clear exactly how and why airlines upgrade.

Know This First: When and Why Airlines Upgrade

Upgrades at random, the most relevant type of upgrades for this guide, are known as 'operational upgrades'. Operational upgrades is the term to describe the procedure that happens when a cabin on a flight is full and the airline is moving some passengers 'forward' to make space. This is also known as upgrades when the cabin is 'oversold'. For example, Air New Zealand has 270 economy class passengers check-in for a 787 flight with 263 seats. In this example, 7 passengers would be 'upgraded'. In general, 'operational' Upgrading only happens when:

  1. The flight is overbooked in economy class - 99.9% of operational upgrades happen for this reason. The airline doesn't want to fly with empty seats, as moving people forward is the easiest way to make more money.
  2. The flight MUST offer business class in the first place - all too often, Air New Zealand passengers wonder if they will be upgraded flying Auckland to Australia unaware that the aircraft operating the route is a one-class-all-economy Airbus A320 or A321. 

As this guide details, upgrades are likely only to be available when a flight is over-sold. Airlines do not upgrade without a valid reason, given the value premium cabins command. There is a lot of media reports and articles which suggest 'dressing to impress' and 'smiling' will secure upgrades regardless of whether the aircraft is oversold. We believe these articles are idealistic but not true to the nature of the airline industry.

In the preparation of this guide, MoneyHub has consulted with a range of airline frequent flyers, airline ground staff and airline employees working or involved in head-office-level operations.​

Important: Do you need Travel Insurance? Too many New Zealanders take the risk and travel without it. Our Compare Travel Insurance guide helps you find affordable coverage from trusted insurers with a history of paying claims. We also compare by country to help you make finding what you need easier: 
  • Australia and the Pacific: Australia, Fiji and Rarotonga
  • Asia: Bali, China, India, Japan, Malaysia, Singapore, South Korea, Thailand and Vietnam
  • Americas & Africa: Canada, Peru, South Africa and USA
  • Europe: France, Greece, Italy and the UK
Reasons Why You WILL NEVER be Upgraded to Business Class

8 Reasons Why You WILL NEVER be Upgraded to Business Class:

Airline Upgrade Guide NZ

You are travelling with children

Airlines make a significant amount of their profits from business class, and very rarely will upgrade children. For this reason, even if you are a frequent flyer, travelling with a child or children under 18 years of age is likely to diminish the chances of being upgraded to near zero.
Airline Upgrade Guide NZ

The airline upgrades based on fare-type and/or loyalty first, as well as encouraging cash upgrades

Airlines only upgrade passengers at random as a last resort. Before a flight, many airlines email passengers with a cash offer to upgrade. This works for the airline by providing additional revenue (knowing it's unlikely they will sell the seat before the flight is scheduled) and also offers added benefits to the passenger for a reduced cost. If the airline still finds itself needing to upgrade passengers to ensure everyone gets a seat, the airline will prioritise their most loyal customers first, with some also considering those on expensive flexi-type tickets. Only when the airline clears this list will it upgrade passengers 'at random'.
Airline Upgrade Guide NZ

You have ordered a special meal

Ordering a special meal means your seat is attached to a special meal. If you were to be upgraded, your special meal wouldn't be served to you. Business class have different catering than Economy, so they couldn't serve your special meal there - the airline would have a problem. Your special meal couldn't be offered to anyone else either. For this reason, ordering a special meal invalidates any chances of an upgrade.
Airline Upgrade Guide NZ

Your flight is operated by a one-class aircraft

This is often overlooked, but is very important. Air New Zealand operates a mix of widebody (i.e. Boeing 787 and 777 aircraft) and narrow-body (i.e. Airbus A320 and A321, both economy-only aircraft) on its Australia and Pacific Island routes. For example, you may fly to Fiji in a widebody Boeing and return on a narrowbody Airbus. For this reason, upgrades will only be an option on the Boeing aircraft. You may know it's oversold, school holidays or happy to pay with Airpoints Dollars a fee to upgrade, but there is zero possibility of that.
Airline Upgrade Guide NZ

Your flight isn't overbooked or oversold

Airlines operate with around 80% to 95% seat occupancy - this means 5% to 20% of seats on a flight, on average, will be empty. You can get an upgrade by paying for it with cash via an airline special offer, or by using a voucher (see point 6. next). If the aircraft isn't full, there's almost zero chance of being upgraded voluntarily by the airline - the value of business class is just too high.
Airline Upgrade Guide NZ

The airline is selling upgrades, but you decide not to buy

Your airline may send out an offer to upgrade a week or so before you are due to fly. For example, you are booked on LATAM from Auckland to Santiago and receive an offer 'upgrade to Business for NZ$850'. Many airlines send offers like this, hoping to make additional revenue on the flight just before it is scheduled to leave. If you decide not to accept the offer of the upgrade, there is little chance you will be upgraded for free later on because other people would have taken the airline's offer.
Airline Upgrade Guide NZ

Asking for an upgrade without a valid reason

If you're tempted to ask at check-in for an upgrade, you are almost certainly going to be disappointing. Airlines operate in one of the most competitive industries - there is no incentive for them to offer their most expensive and valuable service, Business class, for free. An airline would rather fly an empty premium cabin than give it away for free. For this reason, asking for an upgrade without the willingness to pay the airline's upgrade fee is wasting everyone's time.
Airline Upgrade Guide NZ

Understand that airlines don't 'give away' upgrades because the flight is empty

If you understand this, you'll never be disappointed. Until recently, New Zealanders flying from Auckland to Sydney, Brisbane and Melbourne had reasonably good chances of an upgrade when booked on Emirates due to the low demand for Business class seats but high demand in Economy due to year-round cheap fares. The airline would overbook Economy and upgrade at the airport - sometimes 20 to 40 people at a time. The flights were loss-making, and in 2018, Emirates ended its Auckland to Australia services altogether. 

The airlines flying to and from New Zealand exist to make money. They will sell their premiums seats up to the moment the plane takes off for as much as they can and will never give anything away for free if there is no business reason to do so.
Airline Upgrade Guide NZ

6 Ways You CAN be Upgraded to Business Class:

With any of the points below, please be aware that frequent flyers in an airline's frequent flyer program will be prioritised for upgrades before any other passengers. Without exception. There is nearly no way around this - some airlines will preference very flexible (and therefore expensive) ticketholders, but this is rare. It's unlikely you will be one of these ticketholders, and therefore your priority for an upgrade will be low.

Why Airline Status is Near-Essential to Securing a Complimentary Upgrade
Everyone wants an upgrade, and those most loyal to an airline are also the most valuable. Airline status holders, who comprise the airline's most loyal airline customers, will take priority for an upgrade in their own order. For example, in the case of Air New Zealand, this will mean their Gold Elite, Gold and Silver Airpoints members will have priority over anyone else, in that order respectively. For Qantas, the order is Platinum, Gold and Silver respectively. Orders also affect airlines in an alliance. For example:
  • A Turkish Airlines Star Alliance Gold passenger will be upgraded on Singapore Airlines (also a Star Alliance member) before any other passenger without status.
  • A Qatar Airways oneworld Alliance Saphire member will be upgraded on British Airways (also a oneworld Alliance member) before any other passenger without status.
  • An Air France Skyteam Elite Plus member will be upgraded on Korean Air (also a Skyteam Alliance airline) before any other passenger without status. 

If I don't have 'status', does this mean an upgrade is impossible? 
No - there are still options and possibilities, and we have detailed these extensively below.
Airline Upgrade Guide NZ

Fly during peak holidays when airlines overbook economy

It's a fact, airlines get very busy around Christmas, Easter and other public holidays. The holidays also coincides with less demand for business class seats. For this reason, airlines will over-sell Economy seats knowing they can upgrade on-mass knowing their other cabins will be much emptier than normal. If you fly our on Christmas Eve or back from holiday on Easter Monday for example, your odds of an upgrade are much higher.
Airline Upgrade Guide NZ

Fly on Thursday, Friday, Saturday and Sunday, and alone if possible

Flights, all other things being equal, tend to be busier later in the week than earlier. This is because relatively more business travellers move around at the end of the week. Adding to this is the fact that relatively more leisure travellers head off Thursday-Saturday and return on Saturday/Sunday. For example, this means Thursday and Friday evening flights out of Auckland will be busier than those leaving at 1pm on a Tuesday. Airlines sometimes just need to upgrade a lot of passengers. This means that upgrades are more likely during these 'peak' time. 

Adding to that, those flying alone are more likely to be upgraded than those travelling as part of a group. Airlines tend to do the majority of unexpected upgrades at the gate. You may be flying with people but are on separate tickets, which heightens your upgrade chances. ​
Airline Upgrade Guide NZ

Be loyal to an airline - even a little loyalty can go along way

As we have made clear throughout this guide, being loyal to an airline gives you the best chance of an upgrade. But even if you don't get lucky at check-in or at the gate, there are ways to get the certainty of an upgrade. 

Use Points or Miles to upgrade - most airline flying to New Zealand offer frequent flyer programs - if you fly long-haul and credit the flights you take to the program, it is likely you'll earn enough to upgrade a flight later on. 
Use Upgrade Vouchers - Qatar Airways, Air New Zealand and many other airlines offer upgrade vouchers to its most loyal customers. In practice, you can receive one or two upgrades per year which can be guaranteed in advance.
MoneyHub reader Liz writes:
We flew from Christchurch to London in 2018 with Emirates and paid around $1,800 each, which earned around 14,000 Skywards points. This year I paid $350 to fly from Christchurch to Sydney in economy, and I used my Skywards points to upgrade to Business Class (which was very easy to do). It turned out to very good value for money and a great experience. 

MoneyHub reader Phil writes:
I am a relatively new Air New Zealand Gold member, and received two upgrade vouchers. I used them to upgrade a cheap Economy flight from Auckland to Chicago - this was a very long flight and I was delighted to see it work! It made the $1,500 return airfare fantastic value.
Airline Upgrade Guide NZ

Buy an upgrade when the airline offers it - it can be significantly cheaper

So many airlines now do this - Air New Zealand (around seven days before you fly), Qantas and Qatar Airways (usually two to seven days before you fly) and countless others. Our list of airlines flying to/from New Zealand explains the current upgrade policy.

If you are flying further and don't see your airline listed, simply Google '(your airline) and upgrade bids' and you will see what your airline offers.

Expert Tip: If you booked directly with the airline, and not via a travel agent, you should receive emails from the airline about upgrade opportunities.

MoneyHub reader Matthew writes:
I booked a cheap flight to Bangkok on China Southern. I asked about upgrades leaving Auckland once onboard the flight, and was quoted US$800 which was more than twice what I'd paid for the entire airfare! From Guangzhou to Bangkok the price for the upgrade was US$150, which I also thought was poor value for money given it's a 2-3 hour flight.
Airline Upgrade Guide NZ

Have Airline Status? Beat others by befriending a 'Lounge Dragon'

If you have airline status, you will still be competing for upgrades against other frequent flyers at the same level. 'Lounge Dragon' is a term of endearment for the people who control access at the front desk. By casually mentioning you are 'happy to move seats if needed' or 'take a later flight if needed' you are elevating yourself on a personal level if the flight is overbooked.

Lounge Dragons are experts in remembering names, so you won't be forgotten and should the airline's ground crew put a call to the lounge telling them to upgrade a certain number of people and reprint their boarding pass, as so often happens, having a pre-existing relationship will help a lot.
MoneyHub reader Mike writes:
I frequently fly from Christchurch to Dubai on Emirates, and many times in Sydney (where the plane stops for an hour or so) I am upgraded. I've put this down to being very friendly to the Emirates Lounge staff in Sydney when I transit, being Skywards Gold, and travelling alone.
Airline Upgrade Guide NZ

Offer to take a later flight if your flight is overbooked

When you check-in, it always helps to helps to ask if the flight is over-booked and offer your willingness to take a later flight. The terms and conditions of the airline usually include an upgrade, hotel or food vouchers while you wait, and an airline credit vouchers. Airlines don't like to deny boarding - it's terrible public relations and damages the reputation. For this reason, volunteers are consistently rewarded for 'helping out'.
MoneyHub Reader Erica says:
I was checking in at Sydney for a flight to Hong Kong. Cathay Pacific told me the flight was overbooked, and asked if I could take a flight four hours later. I would receive an upgrade and a $500 airline credit. I immediately took it, had my boarding pass re-issued and went to the Qantas lounge. It was a great start.

Airlines and Upgrade Offers

Below is a list of airlines currently flying to New Zealand. We have outlined how each airline offers and processes upgrades to help the decision-making process.
  • Bid offers: The airline will send an email asking you to consider upgrading by way of a 'bid'. It will give a range, for example $300 to $1,200. You bid what you are comfortable with, and if successful, your credit card is charged and your flight is upgraded. 
  • Cash offers: The airline offers, usually via email or at the airport, an upgrade based on a fixed amount of money. For example, a Qatar Airways flight upgrade from Auckland to Doha may be offered for NZ$1,400. 
  • Check-in offers: The airline will offer an upgrade at check-in for a fixed fee. For example, Singapore Airlines offers an upgrade to Premium Economy class for NZ$350 from Auckland.
  • Upgrade onboard: The airline announces onboard that upgrades are available at a fixed fee. This is common with Chinese airlines. For example, China Southern offers to upgrade passengers onboard for US$800 from Auckland to Guangzhou. 
  • Not available: The airline is currently not offering paid upgrade opportunities.
Airlines and their upgrade process
  1. Air Canada: Bid offers and cash offers
  2. Air China: Bid offers (email sent before departure)
  3. Air Tahiti Nui: Check-in offers may be available
  4. Air Vanuatu: Not available
  5. Aircalin: Bid offers only
  6. American Airlines: Not available
  7. Cathay Pacific: Bid offers (on selected flights)
  8. China Eastern Airlines: Not available
  9. China Southern Airlines: Upgrade onboard (USD cash price, payable by credit card)
  10. Emirates: Fixed-fee cash upgrades
  11. Fiji Airways: Bid offers only
  12. Hawaiian Airlines: Bid offers only
  13. Korean Air: Not available
  14. LATAM: Bid offers only
  15. Malaysia Airlines: Bid offers only
  16. Qantas: Bid offers only (selected routes)
  17. Qatar Airways: Cash offers (via email, at check-in and at Doha Hamad International airport)
  18. Samoa Airways: Not available
  19. Singapore Airlines: Bid offers only
  20. United Airlines: Not available
  21. Virgin Australia: Bid offers only

Related Guides:
  • Air New Zealand Successful OneUp Upgrade Bids Guide
  • The Fastest Way To Earn Air NZ Status Points
  • Air New Zealand Credit Cards
  • Air New Zealand Travel Tips
  • Qatar Airways Tips

Important: Do you need Travel Insurance? Too many New Zealanders take the risk and travel without it. Our Compare Travel Insurance guide helps you find affordable coverage from trusted insurers with a history of paying claims. We also compare by country to help you make finding what you need easier: 
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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    • Health & Personal Care
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  • Trade Services
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