MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
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  • Banking & Savings
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  • KiwiSaver
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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Wise International Money Transfer Review 2024

Our detailed review of international money transfer service Wise explains the fees, pros, cons and everything you need to know.
Wise Review NZ
Updated 14 February 2024
Summary
  • Wise is doing its best to conquer the world when it comes to making international money transfers. You may currently use your bank, Western Union, PayPal or another business to move money between countries.
  • Wise is focused on offering the best value for money, meaning your NZD will go further when you transfer them overseas.
  • From the results of our periodic international money transfer research, we concluded that Wise consistently offered the best value. Specifically, Wise offered more foreign currency for your NZ dollar compared to its rivals; we tested the currencies of AED, AUD, CAD, EUR, GBP, HKD, INR, JPY, MXN, PHP, SGD, USD and ZAR using small payments (NZ$100 and NZ$500) and big payments ($5,000). 
  • We believe Wise outperforms traditional money transfer services by delivering value for money, convenience and speed.
  • However, there are several things to know before signing up to Wise, as we detail below.
  • Whether you are looking to make a one-off transaction or send money overseas regularly, Wise beats the banks and PayPal. Our guide explains everything you need to know about the service Wise offers.

This guide covers:
  • ​Wise Pros and Cons
  • Wise Must-Know Facts
  • Wise - Our Conclusion

Are you looking for a review of the Wise debit card?
  • This guide is not for you - our dedicated Wise debit card review has you covered. 
  • MoneyHub users continue to share positive comments about the card - you can visit Wise directly here.
  • Every Wise account is eligible to order the Wise debit card. Signing up for a Wise account is free. If you wish to order the Wise debit card, there is a one-off $14 fee for issuing and mailing the card.
Wise Debit Card

Wise Pros and Cons

Wise's Money Transfer Service - Pros and Cons

  • Bank-beating FX rates to 50+ countries and currencies around the world
  • Low-fee transfers from one bank account to another
  • Four options to pay - bank transfer, POLi, credit card and debit card
  • Same-day payments in many cases - if you use POLi or a card, the transfer can complete within seconds
  • Outstanding online experience with detailed FAQs, video guidance and online help library
  • Approval and verification to use Wise is fast and instantaneous in most cases
  • The exchange rates are far superior to those offered by PayPal

Wise Disadvantages

  • Banks transfer as a payment method offers the lowest fee, but it has a slower delivery time when compared to other options
  • No China CNY transfers permitted from New Zealand
  • Transfers are not as instant as PayPal transfers, but a lot better value for money

Advertising Disclaimer: MoneyHub may earn a referral bonus for anyone that’s approved through some of the below links. Our research and findings are independent of any bank, credit card issuer, or product manufacturer/service provider, and have not been endorsed by any of these entities. Please see our Advertising Policy for more details about how we make money.
Join Wise for Free

TransferWise International Money Transfer Guide

Wise - Must Know Facts

  1. To understand how Wise offers the best value international money transfer service, we outline ten must-know facts that help explain the service overall. Most importantly,
  2. Wise always uses the mid-market exchange rate (the one you will find on Google). In comparison, exchange rates used by banks, PayPal and travel money cards and other money transfer services often conceal a markup.
  3. Wise's use of mid-market rates is a major reason why using a bank to send money overseas will be much more expensive. 
TransferWise Review NZ

Understand the forex rates, fees and overall cost of a transaction

Wise charges two fees - a Wise fee (for processing the transaction) and a Payment method fee (i.e. the cost of receiving your money, i.e. by a credit card or by a bank transfer).
 
Fee 1: Wise fee - this will vary based on the currency you are converting NZD to
What you pay depends on what currency you use. In our analysis of a NZ$1,000 transfer, we found Euros and British Pounds are the cheapest to transfer, and United Arab Emirates Dirham and South African Rand are the most expensive. 

As an example, the following fees would apply on a NZ$1,000 transfer:
Currency
NZD fee on a $1,000 transfer
% fee on overall transaction value
EUR (Euros)
 $5.68
0.57%
GBP (British Pounds)
 $5.80
0.58%
AUD (Australian Dollars
 $6.04
0.60%
USD (US Dollars)
$6.29
0.63%
CAD (Canadian Dollar)
 $6.78
0.68%
HKG (Hong Kong Dollar)
 $6.85 
0.69%
SGD (Singaporean Dollar)
 $6.85
0.69%
INR (Indian Rupee)
$7.11
0.71%
PHP (Philippine Peso)
 $10.00
1.00%
THB (Thai Baht)
 $10.16
1.02%
MYR (Malaysian Ringett)
 $11.35
1.14%
AED (United Arab Emirates Dirham)
$14.89
1.49%
​ZAR (South African Rand)
 $18.69 ​​
​1.87%
Generally, the percentage fee charged drops as the size of the transaction increases, but to understand the different fees for different currencies, the table above gives the best overview. 

The Wise fee is deducted from the transaction value. For example, if you wish to transfer NZ$1,000 into PHP, based on the table above, NZ$990 will be available to send as NZ$10 is taken by Wise as its fee. 

Understanding how Wise charges its fee, a second fee will apply, as we outline next.
Fee 2: Payment method fee - unlike the Wise fee, the payment method fee does not vary based on the currency you are converting NZD to.
  • Bank transfer - no fee. Whether you transfer $1 or $100,000, if you pay by bank transfer there is no payment method fee. 
  • POLi - $0.30 (30 cents) minimum, which goes as low as 0.05% of the transaction value. For example, if you transfer NZ$1,000, the POLi fee is $0.80 (80 cents). 
  • Credit card - 1.768% of the value of your transaction. For example, if you plan to send NZ$1,000, around $17.68 will be charged to your credit card, meaning your recipient gets less. 
  • Debit card - 1.768% of the value of your transaction. For example, if you plan to send NZ$1,000, around $17.68 will be charged to your debit card, meaning your recipient gets less. 

What these two fees mean for you:
Based on our research, the lowest-fee transactions are always funded by a bank transfer. If you use a credit card, debit card or POLi, you will pay more and/or your recipient will receive less. 
Join Wise for Free
TransferWise Review NZ

Signing up is secure, safe and easy to use, but you will need to prove your identity

Wise isn't just peer-to-peer transfers
Wise started as a peer-to-peer transfer service, meaning, for example, it matched your money transfer of NZ$500 to USD with someone else doing a transfer from USD wanting to send NZ$500. Now the company has large reserves of all the currencies they offer, and Wise is facilitating the buying and selling of currency. This means your transfer will always occur as the peer-to-peer model has been superseded. 

Regulation in England, New Zealand and around the world
Wise is heavily regulated in England, where the company is based. Furthermore, its operations are reviewed and monitored around the world by various government bodies. In New Zealand, it falls under the watch of the Department of Internal Affairs.​
TransferWise Review NZ

Understand how Wise works in ten easy steps

Joining and using Wise is very easy, and we outline the complete process below.
​
  1. Sign Up - this is very easy, and is done via the Wise website.
  2. Mobile and Email Verification - Wise sends a text with a security code and an email, which you need to verify by clicking the link. Once done, you can complete your first transfer.
  3. Arrange a Transfer - you will be able to enter in how much you want to send or have sent, meaning you can send either, for example, NZ$1,000 or US$1,000, and Wise will tell you how much USD will be received or NZD required. You will also get a fee breakdown. 
  4. Guarantee of Exchange Rate - Wise will also secure the exchange rate between 24 and 96 hours, depending on the currency, meaning you can lock in a transfer rate now and pay up to 4 days later. 
  5. Enter the Recipient Details - this is where you enter the bank details of who you are sending money to. You will need to know the country, bank account details including bank branch and address, as well as the recipient's email address and/or phone number. 
  6. Verify Your Identity - Wise will prompt you to upload images of your ID, i.e. passport, to verify your identity. The timeframe for your identity to be verified ranges from seconds to three days, although users report that in most cases it is seconds. 
  7. Confirm the Purpose of the Transfer - you will need to specify why you are sending the money; there is a list of options, such as 'for the payment of goods or services' and 'sending money to friends and family'. Most people pick the most relevant option to them.
  8. Make the Payment - you will be given four payment options in most cases. If you use a debit or credit card, follow the instructions and enter in your card details. If you use POLi, you will be prompted to log in to your bank via POLi and select the account from where the money is coming from. If you select bank transfer, you will be given a bank account and a unique reference where to send the money. As soon as your money is received and matched, the transfer will happen.
  9. Track the Progress - you will first receive an email saying that the 'money has been received', and then a 'money has been sent' email when that happens. Your recipient will also receive similar emails advising them that money is on its way to them.
  10. Confirm the Payment - once you receive an email saying the money has been sent, it's a good idea to check with the recipient that the money has arrived. 
Join Wise for Free
TransferWise Review NZ

Wise, formerly TransferWise vs Bank Transfers

New Zealand banks charge a fee for international money transfers. You may also need to have your recipient’s details approved by your bank, as part of their fraud-prevention measures. When you do finally make the transfer, it can take as long as five working days to arrive in the recipient’s bank account.

Let’s take an example below, with Kiwibank. We wanted to make three transactions:
  • A transfer of 500 USD
  • A transfer of 500 GBP
  • A transfer of 500 EUR

We wanted to compare what this would cost h AUD, GBP and EUR you will receive, compared to what Wise offers.

Transfer NZD to USD

  • In our example, to transfer 500 USD costs $738.65 using Wise, or $764.66 using Kiwibank.
  • The difference in cost is due to the foreign exchange rate (0.68180 with Wise, vs 0.67145 with Kiwibank) and the $5.30 vs $20 fee.
  • In this example, we calculate Wise is around 3.50% cheaper, saving over NZ$30.
TransferWise review NZ
TransferWise review NZ

Transfer NZD to GBP

  • In our example, to transfer 500 GBP costs $977.82 using Wise, or $1,006.65 using Kiwibank. 
  • The difference in cost is due to the foreign exchange rate (0.51435 with Wise, vs 0.50676 with Kiwibank) and the $5.72 vs $20 fee. 
  • In this example, we calculate Wise is around 3% cheaper, saving around NZ$30.
TransferWise review NZ
TransferWise review NZ

Transfer NZD to EUR

  • In our example, to transfer 500 EUR costs $833.76 using Wise, or $863.67 using Kiwibank.
  • The difference in cost is due to the foreign exchange rate (0.60335 with Wise, vs 0.59265 with Kiwibank) and the $5.05 vs $20 fee. 
  • In this example, we calculate Wise, formerly Wise is around 3% cheaper, saving over NZ$30.
TransferWise review NZ
TransferWise review NZ
*Rates for all comparisons taken for both Kiwibank and Wise at 5am NZ time, 15 March 2019

Overall results:
  • The results are clear – Wise is far more cost effective, and the recipient receives 3% to 3.50% more local currency for USD, GBP and EUR 
  • The exchange rate offered by Wise outperformed Kiwibank in all three cases. 
  • We are confident that Wise is more cost effective than the money transfer services offered by all New Zealand banks​.
Join Wise for Free
TransferWise Review NZ

Wise vs PayPal

​Our PayPal fees guide illustrates you will pay between 3% and 4.20%, making a PayPal transfer far more expensive than Wise. The only benefit of PayPal is that the recipient doesn’t need a bank account, although in the majority of standard money transfers this isn’t an issue.

In the examples below, based on the bank transfer comparison above, show the exchange rates offered by PayPal are poor value when compared to Wise. 

Comparing PayPal to Wise
  • Sending 500 USD costs NZ$738.65 (Wise) vs NZ$760.93 (PayPal) - a 3% saving
  • Sending 500 GBP costs NZ$977.82​ (Wise) vs NZ$1020.68 (PayPal) - a 4.2% saving
  • Sending 500 EUR costs NZ$​833.76 (Wise) vs NZ$867.52 (PayPal) - a 4.2% saving
TransferWise vs PayPal
TransferWise vs PayPal
TransferWise vs PayPal
TransferWise Review NZ

Wise transfers money at record speeds

Send and receive money in seconds is what Wise promises, but how you pay depends on what how fast your money is transferred. Nonetheless, compared to the speed of your bank, Wise is lightening-fast. 

The fastest way to pay is via POLi or card
In the example below where we send NZ$500 to India, we show how paying by POLi, debit or credit card means the money will arrive 'in seconds'. If you pay by bank transfer, while this comes with no additional fees, it will take longer. If you transfer over a weekend, the entire Wise transaction could take up to three days. 

Nonetheless, compared to a bank (Kiwibank, for example, states international money transfers "usually arrive within two to three business days of sending"), how fast your transfer arrives depends on how quickly you transfer the money. Any payment form other than bank transfer will be instant, so your payment may arrive in seconds, depending on the destination country.
TransferWise review
A payment via card or POLi will arrive 'in seconds', but the fee is higher
TransferWise review
A payment via bank transfer takes longer to arrive, but the fee is lower
TransferWise Review NZ

If you make a mistake and pay the wrong person or amount, cancelling a Wise transaction can be problematic

Wise lets you cancel a transaction, but if you have already paid via POLi or a debit or credit card, there is little you can do to reverse the payment. This means it is essential to input your recipient's details correctly. If you enter the wrong details, the transfer will either be rejected or go to an unintended recipient.

To avoid any issues, it's best to ask your recipient to confirm the bank details as they appear on Wise once you have set them up on your account. You can take a screenshot or copy and paste it. You can then transfer the money with confidence.

Only Wise transaction paid with manual bank transfers can be reversed if you accidentally pay the wrong person, but this has to be done before you make the bank transfer. 
Wise Review NZ

You won't be able to transfer more than NZ$10,000 using a credit card or debit card in a single transfer

Wise is governed by rules and mandates set by the New Zealand Department of Internal Affairs. This has limited the transaction values to ensure safety for consumers and reduce the risk of money laundering transactions. For this reason, $10,000 is the limit you can transfer at one time if using a card, but this is the most expensive option as our fees review describes anyway. 
Join Wise for Free
Wise Review NZ

You can send money to almost every currency, including China

While 50+ currencies are available for transfers, covering all four corners of the world, Due to Chinese regulations, only individuals with a Chinese National ID card and business recipients with a CNY-denominated account in Mainland China can receive CNY. 
Wise Review NZ

Wise has a lot of positive reviews from users - some negative reviews highlight a couple of limitations

Your account may be deactivated without warning - Wise advises that "account deactivation is a security measure that we have to take from time to time to ensure that we comply with our regulations and maintain the safety of our global customer base". If you do have this happen, there isn't much you can do other than contact support. If you have a transfer in-progress and your account is deactivated, this can be stressful. 

Money transfers can be delayed - it may say 5 hours, but if your bank has a glitch, you make a bank payment outside of business hours to settle the transfer, or you just have bad luck, you can face delays of a day or two. If you are transferring to an account overseas to settle a payment, it is best to plan in advance and organise the transfer well ahead of schedule. 

Call centre support is limited - Wise picks up the phone 9:00am - 5:00pm, Monday to Friday New Zealand time, so outside these hours you'll need to wait until they open.
Join Wise for Free

TransferWise International Money Transfer Guide

Our Conclusion

  • We are fans of Wise, and use it internally to pay overseas contractors who do ad-hoc work for MoneyHub. We find it fast, simple to use, 100% online and completely honest by way of the fees it charges. 
  • Best of all, you have full control over the process. In a few simple clicks, you can pay someone directly with email notifications of the process.
  • If you are transferring large amounts of money ($25,000+), you may feel more comfortable making the transactions in smaller part-payments. Wise is 100% online and trusting a website with a life-changing amount of money can be daunting - anyone anxious may get more comfort in a piece-by-piece approach. 
  • Be aware: Using a credit card as a payment method is the same as purchasing something with your credit card – you will repay the purchase when your bill is due. Using a credit card to settle a Wise transaction does not trigger a cash advance. If you are unable to pay your credit card bill, or make a part-payment, you will be charged interest on all of your transactions. Please see how credit cards work for more details. 
  • Ultimately, Wise beats what banks in New Zealand offer, and competitively outperforms both PayPal and traditional money transfer services such as Western Union in almost all situations.
Join Wise for Free

Are you looking for a review of the Wise debit card?
  • This guide is not for you - our dedicated Wise debit card review has you covered. 
  • MoneyHub users continue to share positive comments about the card - you can visit Wise directly here.
  • Every Wise account is eligible to order the Wise debit card. Signing up for a Wise account is free. If you wish to order the Wise debit card, there is a one-off $14 fee for issuing and mailing the card.
Wise Debit Card

Related Guides:
  • Wise debit card review
  • International money transfer review
  • Wise fees calculator (external website)
  • PayPal Account Fees
  • Mastercard vs Visa FX rates
  • Best foreign currency credit card and debit cards FX rates
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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
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    • Apple Watch Buying Guide
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    • Best iPhone Plans
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  • Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
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  • Power
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    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
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      • Powershop Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
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      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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      • Single Parenting and Money
      • Tips for Families on a Single Income
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    • Valuable Insights
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      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
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      • The Four Percent Rule
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      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
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      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
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  • Life Essentials
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      • Paid Survey Websites Review
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        • Triaba New Zealand Review
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Printers
      • 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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