MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms >
      • Reviews >
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • InvestNow Review
        • Kernel Review
        • BlackBull Markets Share Trading Platform Review
        • Jarden Direct Review
        • Flint Wealth Review
        • ASB Securities Review
        • Interactive Brokers
        • Tiger Brokers (NZ) Review
        • Smartshares Review
      • Comparisons >
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • Virtual Stocks and Shares Trading Games
      • Guides >
        • How to Invest in Shares
        • Investing in the US Stock Market from New Zealand >
          • How To Buy Tesla Shares
          • How To Buy Facebook 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
        • 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 Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing >
      • Guides >
        • Introduction to Investing
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • 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
      • Young People and Investing >
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
      • Investing Calculators >
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing >
      • Guides >
        • Investing Guide
        • Our Favourite Funds
        • Advisers >
          • Financial Advisers Overview
          • Financial Advisers Auckland
        • 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
        • Managed Funds >
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Investment Scams
        • 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
        • Investing Calculators
    • Alternative Investments and Trading >
      • Reviews >
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • BlackBull Markets Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides >
        • How to Invest in Gold
        • Forex Trading Guide
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency >
      • Reviews >
        • Easy Crypto Review
        • BitPrime Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs BitPrime vs Swyftx
        • 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
        • Guide to NFTs
        • Bitcoin Wallet Guide
        • Bitcoin Mining
        • How to Sell Bitcoin
        • Bitcoin and Crypto Scams
        • 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
      • How to Save for a Car
      • Buying a Car Loan vs Personal Loan - What is Better for Buying a Car?
      • Car Loans and Collateral
      • MBI (Mechanical Breakdown Insurance)
      • GAP (Guaranteed Asset Protection Insurance) Insurance
      • Bad Credit Car Loans
      • Paying Cash for a Car vs Car Finance
      • Car Dealership Finance vs Alternatives
      • Balloon Payments
      • How to Refinance Your Car Loan
      • Simplify Loans Review
      • Car Loan Refinance Calculator
    • Personal Loans >
      • Debt Consolidation Loans
      • Secured Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Low Income Loans
      • Same Day Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Avanti Finance Review
      • Save My Bacon Review
      • Moola Review
      • Harmoney vs Moola
    • Credit Scores & Interest Rates >
      • Credit Scores and Credit Checks 2022
      • How to Build Credit in New Zealand
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps >
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Car Insurance >
      • Guides >
        • 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
      • Reviews >
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance >
      • House Insurance
      • House Insurance Calculator
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Insurance Brokers >
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance >
      • Cat and Dog Desexing
      • Getting a Kitten
      • Getting a Puppy
      • Pet Euthanasia
    • Life & Health Insurance >
      • Life Insurance >
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • 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
      • Income Protection Insurance >
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance >
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Air New Zealand Credit Cards >
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
    • Balance Transfer Credit Cards
    • Reviews >
      • American Express Credit Cards Review >
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
      • Wise Debit Card Review
      • Flight Centre Mastercard Review
    • Guides >
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards >
      • Travel Money Cards
      • Travelex Money Card vs Wise Debit Card Comparison
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
  • Banking & Savings
    • Banking >
      • Best Bank Accounts
      • Best Debit Cards
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
    • Savings >
      • Best Savings Accounts
      • Best Term Deposits
      • Term Deposit Alternatives
    • Guides and Resources >
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews >
      • Wise International 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?
      • 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
    • Alternative Mortgage Options >
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
    • Mortgage Management >
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • Remortgaging Guide
      • Amortisation Calculator
      • Mortgage Refinance Calculator
    • Mortgage Brokers >
      • Mortgage Brokers Explained
      • Mortgage Brokers - Auckland
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Buying a Home >
      • First Home Buyers Checklist
      • Home Buying Glossary
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
    • 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
    • Building a House >
      • Average Building Cost Per Square Metre
      • Buying Land to Build a House
      • Construction Loans
      • Cost to Build a New House
  • KiwiSaver
    • Our Favourite KiwiSaver Funds
    • KiwiSaver Essentials >
      • Switching KiwiSaver Funds
      • KiwiSaver and Tax
      • Is KiwiSaver Safe?
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Choosing Your KiwiSaver Provider
      • KiwiSaver Robo and Digital Advice Tools
      • Opting out of KiwiSaver
      • KiwiSaver Calculator
      • What's My PIR?
      • Contributions >
        • How to Check Your KiwiSaver Contributions
        • KiwiSaver Contributions - Gross or Net?
        • Your KiwiSaver Contributions
        • Employer KiwiSaver Contributions
        • Government KiwiSaver Contributions
        • KiwiSaver Contributions Holiday
        • Voluntary Contributions
    • KiwiSaver Returns Calculator
    • Guides >
      • KiwiSaver Hardship Applications
      • Choosing a KiwiSaver Fund
      • Ethical Kiwisaver Funds
      • KiwiSaver Guide
      • KiwiSaver for Kids
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Private Equity
    • Schemes >
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • MAS KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Westpac KiwiSaver Scheme
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
  • Business
    • Business Essentials >
      • Business Loans
      • Prospa Business Loans Review
      • Business Credit Cards
      • Public Liability Insurance
      • Business Insurance
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • Business Calculators >
      • 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
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • 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
  • Students
    • Scholarships 2022
    • Jobs >
      • Student Jobs Guide
      • Student CV Templates
      • Student Job Cover Letters
      • Student Job Interview Questions and Answers
      • Summer Internships 2022
      • University and Polytechnic Student CV Templates
    • Money Resources >
      • Student Bank Accounts
      • Student Loans & Allowances
      • Year 13 Essential Checklist
      • Student Money Tips
      • Money in a Nutshell for Teenagers
      • Freebies for School Students
      • Money Tips for Kids and Teenagers
    • Education >
      • What to Study in 2023
      • Alternative Study Providers
      • School Holidays 2022
      • Public Holidays 2022
  • Motoring
    • Buying and Selling a Car >
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Top Cars that Hold Their Value
      • Vehicle Leasing
    • Everyday Driving >
      • 20 Ways to Make Driving Cheaper
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
    • 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
    • Footprint Online Wills Review
    • Prenuptial Agreements
    • Trusts Guide
    • Divorce Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Perpetual Guardian
  • Job Hunting
    • Job Applications >
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources >
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies >
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Broadband
  • Power
    • Compare Power Companies
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Power Companies >
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Energy Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Pulse Energy Review
      • Trustpower Review
  • Financial Independence
    • FIRE Guides >
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
      • Achieving Financial Independence, Faster
    • FIRE Tools >
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax >
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
    • Money Tips >
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Tips for Families on a Single Income
      • 20 Ways to Save LOTS on Household Bills
      • Side Hustles
      • Lending Money to Friends & Family
  • Better Living
    • Food & Grocery >
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
      • Woop Review
      • Online Supermarkets
      • Save Money on Food
      • Supermarket Christmas Clubs >
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
        • Countdown Christmas Club Vouchers
      • Coupons & Deals >
        • Kids Eat Free
    • Entertainment >
      • Streaming TV Services
      • Netflix Review >
        • Best Netflix Movies
        • Best Netflix TV Shows
      • Amazon Prime Video Review >
        • Best Amazon Prime Movies
        • Best Amazon Prime TV Shows
      • Disney+ Review
      • Apple TV+ Review
    • Consumer Rights >
      • How to Get a Refund, Repair or Replacement
      • What To Do If You Do NOT Receive Your Refund
      • The Complete Guide to Renting in New Zealand
    • Free Samples
    • Make Money Online
    • Paid Survey Websites Review
    • Nielsen Homescan Review
    • Nielsen Digital Voice Review
    • Valued Opinions Review
    • Opinion World Review
    • Triaba New Zealand Review
    • Rewardia New Zealand Review
    • School Holiday Activities >
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
      • Christchurch School Holiday Activities
    • 65+ Best Online Shopping Websites in New Zealand
    • Shoe Size Conversion Guide
    • Affordable Online Clothes Shopping
    • Best Baby Clothes
    • Dress Size Conversion
    • New Zealand Fashion Designers
    • Buy Books Online
    • Black Friday New Zealand Deals
    • Mother's Day Ideas and Gifts
    • Father's Day Ideas and Gifts
    • Daycare Checklist
    • How to Sell on Fiverr
    • Computer & Accessories >
      • Best Printers
      • Computer Desks
    • Gym Memberships Guide
    • Retirement Villages
    • Home & Kitchen >
      • Best Vacuum Cleaners
      • Best Coffee Grinders
      • Best Waffle Makers
      • Best Air Purifiers
      • Best Dehumidifiers
      • Best Treadmills
      • Best Washing Machines
      • Best Air Fryers
      • Best Juicers
      • Best Fridge Freezers
      • Best Mattresses
      • Best Ride-On Lawn Mowers
      • Best Pressure Cookers
      • Best Lawn Mowers
    • Blinds, Curtains and Drapes Auckland
    • Bathroom Renovations Guide
    • Weddings on a Budget
    • Wedding Budget Calculator
    • Trade Me Selling Tips
    • Prezzy Cards
    • Health & Personal Care >
      • Weight Loss Shakes
      • Teeth Whitening
      • Anti-Ageing Creams
      • Hair Straighteners
      • Sunscreen
      • Jenny Craig Review
      • Weight Watchers Review
    • Grammarly Review
    • Moving to New Zealand
  • Trade & Professional Services
    • Auckland Trade & Professional Services >
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services >
      • Arborists Wellington
      • Bathroom Renovations Wellington
      • Builders Wellington
      • Building Inspectors Wellington
      • Car Detailing Wellington
      • Catering Wellington
      • Cattery Wellington
      • Dog Boarding Kennels Wellington
      • Dog Daycare Wellington
      • Dog Grooming Wellington
      • Firewood Wellington
      • Glaziers Wellington
      • Gym Memberships Wellington
      • Heat Pump & AC Specialists Wellington
      • Lawn Mowing Services Wellington
      • Mechanics Wellington
      • Panel Beaters Wellington
      • Personal Trainers Wellington
      • Pest Control Wellington
      • Plumbers Wellington
      • Puppy School Wellington
      • Roofing Wellington
      • Wedding Photographers Wellington
    • Christchurch Trade Services >
      • Arborists Christchurch
      • Bathroom Renovations Christchurch
      • Builders Christchurch
      • Building Inspectors Christchurch
      • Car Detailing Christchurch
      • Catering Christchurch
      • Cattery Christchurch
      • Dog Boarding Kennels Christchurch
      • Dog Daycare Christchurch
      • Dog Grooming Christchurch
      • Firewood Christchurch
      • Glaziers Christchurch
      • Gym Memberships Christchurch
      • Heat Pump & AC Specialists Christchurch
      • Lawn Mowing Services in Christchurch
      • Mechanics Christchurch
      • Panel Beaters in Christchurch
      • Personal Trainers Christchurch
      • Pest Control Christchurch
      • Plumbers Christchurch
      • Puppy School Christchurch
      • Roofing Christchurch
      • Wedding Photographers Christchurch
    • Hamilton Trade Services >
      • Arborists Hamilton
      • Bathroom Renovations Hamilton
      • Builders Hamilton
      • Building Inspectors Hamilton
      • ​Car Detailing Hamilton
      • Catering Hamilton
      • Cattery Hamilton
      • Dog Boarding Kennels Hamilton
      • Dog Daycare Hamilton
      • Dog Grooming Hamilton
      • Glaziers Hamilton
      • Gym Memberships Hamilton
      • Heat Pump & AC Specialists Hamilton
      • Lawn Mowing Services Hamilton
      • Mechanics Hamilton
      • Panel Beaters Hamilton
      • Personal Trainers Hamilton
      • Pest Control Hamilton
      • Plumbers Hamilton
      • Puppy Schools Hamilton
      • Roofing Hamilton
    • Tauranga Trade Services >
      • Arborists Tauranga
      • Bathroom Renovations Tauranga
      • Builders Tauranga
      • Building Inspectors Tauranga
      • ​Car Detailing Tauranga
      • Catering Tauranga
      • Cattery Tauranga
      • Dog Boarding Kennels Tauranga
      • Dog Daycare Tauranga
      • Dog Grooming Tauranga
      • Glaziers Tauranga
      • Gym Memberships Tauranga
      • Heat Pump & AC Specialists Tauranga
      • Lawn Mowing Services Tauranga
      • Mechanics Tauranga
      • Panel Beaters Tauranga
      • Personal Trainers Tauranga
      • Pest Control Tauranga
      • Plumbers Tauranga
      • Roofing Tauranga
    • Dunedin Trade Services >
      • Builders Dunedin
      • Building Inspectors Dunedin
      • Car Detailing Dunedin ​
      • Catering Dunedin
      • Firewood Dunedin
      • Gym Memberships Dunedin
      • Heat Pump & AC Specialists Dunedin
      • Mechanics Dunedin
      • Panel Beaters Dunedin
      • Personal Trainers Dunedin
      • Plumbers Dunedin
      • Wedding Photographers Queenstown
    • Lower Hutt Trade Services >
      • Builders Lower Hutt
      • Catering Lower Hutt
      • Mechanics Lower Hutt
      • Panel Beaters Lower Hutt
      • Plumbers Lower Hutt
    • Napier and Hastings Trade Services >
      • Building Inspectors Napier and Hastings
      • Heat Pump & AC Specialists Napier and Hastings
  • Get Our Newsletter

Zip Review - How Does Zip Work?

Zip review
​Updated 16 April 2022
Zip has taken New Zealand by storm since its arrival in June 2017. Promising interest-free terms and a 6 week repayment period, the payment method is primarily offered by clothing retailers and lifestyle products and services.

But, is it a good deal, and should you use it?

We've put together a guide to Zip to explain how the payment method works, the benefits and pitfalls of using it, a comparison to credit cards and store cards, as well as essential 'must-know' facts and tips for using Zip effectively. 

This Guide covers:
  • How does Zip work, and where can I use it?
  • Who is Zip for?
  • Why do so many retailers offer Zip?
  • Zip vs Credit Cards and Store Cards
  • Zip - 9 Must Know Facts
  • ​Tips for making the most out of Zip
  • Conclusion
​
Know this first - understand the Zip late fees per purchase
If you don’t have sufficient funds to make a payment and you miss a repayment on the day its due, you will be charged:
  • An initial $8 penalty.
  • If you don’t make the repayment within 7 days, you will be charged a further $8 for every week the repayment remains outstanding.
  • The cap of late fees in one purchase is $40, but you may be liable for debt collection costs if Zip passes on your debt.

Zip review nz

How does Zip work, and where can I use it?

Signing Up and Getting Approved
Sign up is online-only, and applicants need to enter in the following details:
  • Full name
  • Date of birth
  • Address
  • Driver Licence number (if not available, a passport page scan is required)

Applicants need to:
  • Be living in New Zealand
  • Be holding a New Zealand-registered debit or credit card (Visa or Mastercard)
  • Have reasonable credit history

It's unknown what percentage of new applicants get declined, as Zip does not disclose this. 
Retailers
Retailers accepting Zip are primarily online, with a strong focus on larger retailers and those operating in the fashion industry. Examples include of general retailers include The Warehouse, Torpedo7, Warehouse Stationary, 1-day.co.nz and 300+ other retailers. 
Making a Purchase
Zip offers two ways to make a purchase:
  1. On the Zip instore website: The website lets you search for a physical retailer (i.e. a store) and generate a voucher for the amount you wish to spend. You can then visit the store and purchase goods or services up to the maximum value of the voucher.
  2. Online: Participating retailers will indicate they offer Zip on their website and the repayment amounts for your basket of items should you purchase them. 

Once you have decided on your purchase, you will be asked for pay 25% of the value of the items or service upfront, and this can be paid by debit or credit card. You'll then be shown a repayment schedule, which requires three further 25% payments over six weeks, i.e. one every fortnight.
Repayments and Reminders
Zip only accepts Mastercard and Visa debit cards and credit cards, and these MUST have been issued by a New Zealand bank. Zip does not accept bank transfers, automatic payments or direct debits. 

You can find the scheduled payment dates on the purchase confirmation email which is sent when an order is approved. If you don’t have the email, logging in to the Zip website will show the details. 

Zip send a series of reminders so that you make sure there's money in your account for the direct debit to clear. With regular payments, there is a clear, set, standard and achievable endpoint – in just 6 weeks and your purchases can be paid for. Contrast this to a credit card which rolls over with a 2%-5% minimum repayment.

Payment will automatically be taken from your preferred card on the scheduled payment date, and if this card fails, any other card you have stored the details of will be charged. If this fails, a late fee will be applied (see below). 

If you want to make a payment before the due date, you can do this manually via the Zip website. You can make as many early repayments as you want, and if they are successful, the automatic payment will no longer be processed on the original scheduled date.
Late Fees and Outstanding Balance Penalties
If you don’t have sufficient funds to make a payment and you miss a repayment on the day its due, you will be charged an initial $8 penalty. If you don’t make the repayment within 7 days, you will be charged a further $8 for every week the repayment remains outstanding. The cap of late fees in one purchase is $40, but you may be liable for debt collection costs if Zip passes on your debt.
Returns, Refunds and Repayment Adjustments
You have the same consumer rights to return items no matter how you paid for them. If you decide to return one item or the entire purchase, once the retailer has accepted your returns, your Zip payment plan is adjusted to reflect the new total order value. But it's important to know that repayment amounts may not change right away;
  1. If you have already made a payment or two, your repayment schedule will adjust accordingly.
  2. However, your fortnightly repayments won’t be reduced - instead, you may see the payment due next is still at full value, while the final payment(s) reduces to $0.
  3. If you were due a cash refund, as soon as the retailer accepts your return it can take up to 5-7 business days for the money to show up on your account (this depends on the processing time of your bank which credits the funds to your card).
You may be declined from making purchases at any time
Just because you have a Zip account doesn't mean you can buy whatever you want; we would expect Zip to decline hundreds of transactions every week for many reasons, including:
  • The length of time you have been using Zip - new purchase approvals are much tighter in the first 6 weeks, and you will be able to make a second purchase using Zip once you've paid your second installment on your first purchase.
  • The total number of orders and/or the outstanding amount you have to repay - Zip probably likes it if there is a history early repayments
  • The value of the order you are trying to place - Zip has a limit of $1,000 (although it states customers with a proven history may be able to see this increased).
  • A history of late payments - Zip is clear in that late payments not only attract penalties, they also lower the prospects of being approved for a new purchase.

Zip review nz

​Who is Zip for?

We see Zip as an easy way for the non-financially minded to buy things without getting trapped in long-term credit card debt. However, a growing number of young people are adverse to credit cards and store finance, meaning Zip could provide an alternative short-term credit solution that doesn't aggressively leave customers in debt.

Take Maria. She works part-time and studies at university. She has $200 in her bank account and is paid $200 a week by her employer. She buys $200 worth of clothes using Zip knowing she’ll pay $50 a fortnight for the next 6 weeks after she makes an initial $50 payment. She believes that the $150 balance owing will be more than covered by her weekly income. She keeps the $150 in her bank account knowing she can make the $50 Zip repayments when she gets paid. There are many people like Maria.

The attraction of Zip is the ease of paying off a purchase without incurring interest charges like a credit card would charge if you’re late.  

A growing number of people, and especially 'millennials', are wary of debt and prefer to make repayments in installments rather than spend the entire balance upfront, or face one potentially sizable end-of-month bill from a credit card. 

Zip review nz

​Why do so many retailers offer Zip?

Retailers like Zip for many reasons. 
  • Firstly, for online shopping, retailers offering Zip see fewer customers abandoning their cart at the checkout because the upfront cost can be spread out over 6 weeks which makes it more affordable and a one-off upfront payment.
  • Secondly, shops and online retailers already have to pay credit card companies a fee of a purchase. Like a credit card company, Zip charges retailers to offer their service (we estimate this at around 5% of the purchase price), as they cover the cost of purchase. The benefits of Zip for a retailer is that it brings a new group of people who may otherwise not be willing or able to make a purchase. 
  • Thirdly, there is a theory that with Zip offering a no-interest-ever payment plan, retailers will attract more customers and increased turnover will subsidise the Zip fee.

Zip has many customers who base their purchasing decision on the smaller repayment number, not the upfront cost. This perhaps is a new way of looking at shopping, and one that Zip (and its pay-by-installment rivals such as Afterpay, Oxipay and Laybuy) dominates over conventional payment options.

PartPay review nz

Zip vs Credit Cards and Store Cards

​Credit cards, store cards and long-term finance cards are designed to build up debt. Our guide to how credit card work explains the mechanics in more detail. Compared to cards, there is a lower chance of building up debt with Zip.

​Many people get into trouble with a credit card because it’s more difficult to keep track of purchases. Because credit cards are accepted nearly everywhere, they can easily be used for coffees, a night out, an indulgent purchase alongside routine expenses. Zip instead forces shoppers to understand the fortnightly repayment terms upfront, and a series of follow-ups (see below) train the customer to make on-time repayments. 

Credit card and other long-term finance companies, on the other hand, make a lot of money when bills rollover as interest is charged which can compound leading to a debt problems. Furthermore, credit card minimum repayments range between 2-5% for a bill, whereas Zip requires 100% of the balance owed to be repaid after 6 weeks.

The use (or misuse) of credit cards and similar finance options have become so commonplace that a significant proportion of New Zealanders don’t pay their balances off after one month, and quickly incur interest. As long as you make the minimum monthly payment, the card-issuer won’t complain. You can also re-spend the money you’ve just paid off. Zip, in contrast, requires you to apply to make a new purchase through its platform and sends you a series of reminders and follows up for repayment well before the balance is due. 

Zip isn't like other 'interest free' finance options such GEM Visa and Q Card, where such companies offer '0% interest and zero repayments' knowing that if you don’t make any voluntary repayments before the free interest period ends, you will be smashed with a lot of interest charges at the end, as well as annual card fees. 

​How is Zip different from a credit card?
  • The is no annual account fee when using Zip, whereas most credit cards charge a regular account fee
  • A Zip purchase doesn’t charge interest if you default
  • You have a total of 42 days to repay but you'll need to make regular fortnightly payment of 25% of the purchase price over 6 weeks, as well as pay 25% of the purchase upfront. Credit cards can offer up to 45 to 55 days of interest-free terms on new purchases, with the balance due in full at the end of the 45/55 days.
  • Zip caps its late fees at $40 per order, whereas a credit card will charge you 15%-30% interest per year and this can be for as long as it takes you to pay it off. Zip makes it clear that after 5 weeks of any payment remaining unpaid, your balance will be referred to a debt collector and your credit history affected.
  • Zip can be approved instantly, whereas with a credit card you’ll need to apply, be credit checked and then wait for approval which can take weeks. 
  • You can use a credit card as long as you have the available balance, whereas Zip purchases may be declined because their algorithm decided so. Zip advises that if you have a history of late payments then future purchase limits will decrease. As an example, if you were late on a recent payment, your limit at a retailer may drop from $500 to $300. 
  • If you don’t make Zip repayments, your account can be suspended until the balances owed are paid. A credit card is similar, but it’s easier to make repayments given 2% to 5% is often the minimum balance owed. ​​

Zip review nz

Zip - 9 Must Know Facts

PartPay NZ

Zip can be approved instantly, whereas credit card applications can take weeks

Zip gives applicants the option of being instantly approved with a name, address, date of birth and driver licence ID being required. The purchase limit for a first purchase is unclear - we estimate it somewhere between $400 and $750. At any time, there is a maximum purchase limit of $1,250. Contrasted to a credit card application where you have to apply, wait for it to be assessed, wait for the credit card to be issued and delivered etc., Zip is relatively near-instant. ​
PartPay NZ

​Zip isn’t accepted everywhere, so it's not like a credit card

Zip is limited to 350+ retailers, most of which are online. As a result, Zip isn’t an alternative to EFTPOS or credit cards. Instead, it acts as a payment method if you are shopping for specific items. 

And while partners include The Warehouse, Torpedo7 and 3 Wise Men, these and 80% of all Zip retailers are "online only" meaning you can't use Zip in their physical stores unless it expressly allows it. ​
PartPay NZ

​You can build positive credit history if you use Zip

Zip does supply evidence of good repayment behaviour to Centrix, a credit rating agency, for credit scoring. However, their fine print is clear in that they do reserve the right to perform credit checks and to report negative activity on your account to credit rating agencies. So if you do miss a payment, not only will be charged a fee but you may have this noted in your credit history. 

Conversely, a good repayment history can result in an improved credit score.​
PartPay NZ

​Many retailers are aimed at young women

Zip is usually offered as a payment option for retailers selling clothing, makeup and jewelry. There is a risk that the biggest users will be consumerist people chasing the ‘latest’ stuff. Impulse buying could lead users to over-extend themselves, so proper money management is essential. 

Zip has advised that the average age of their customer is 37 years old.​
PartPay NZ

​The more purchases you make, the more repayments you’ll need to manage

You could get into financial strife by having too many repayments at once. This will arise if you’ve made multiple purchases with different shops that overlap, meaning repayments will come out of your bank account continually. You will need to be able to plan your repayments and manage your money – miss one, and you’ll be charged a late fee, but you’ll also need to make sure you can meet all the other payment. Financial planning is essential for anyone regularly using Zip.

Unlike many credit cards, Zip doesn’t let you spend up large before you have proven you can repay what you have already purchased. Most customers start off with a $500 to 1,000 limit, but it can be lower. ​
PartPay NZ

​You’ll never be charged interest – if you’re late in paying, you’ll be charged fees (capped at $40)

Zip is not legally allowed to charge interest. They make money from your purchase by charging the merchant a fee for using the service, as well as late fees for anyone who doesn’t make a repayment on time.​
PartPay NZ

​Retailers are not allowed to charge you more if you use Zip

A retailer is not permitted to charge a ‘Zip service fee’ or similar. Zip is merely a payment option, and does not permit partners to offer an 'Zip price' that is more than what anyone else would pay the retailer. ​
PartPay NZ

Zip isn’t really like layby – you pay in installments after you’ve bought something

There is some confusion among New Zealanders that Zip offers a layby service, where you pay installments in advance of receiving the goods or services. Zip is the reverse of traditional layby - you pay 25% during the purchase and the remaining 75% over three fortnights. 
PartPay NZ

Making Zip repayments with a credit card can lead to debt problems

As Zip accepts credit cards as a method of payment, there is a risk that the debt you incur is not paid off. Zip purchases can therefore become credit card debt at a later date if it is not promptly paid off.​​
Zip example nz

​Tips for making the most out of Zip

Your success with Zip will depend on how you use it. Just because you are approved for a purchase doesn't mean you will always have the money to make the repayments. If you decide to use Zip, we've listed some helpful tips: 

1. Plan your purchase day - make purchases on your payday or 1-2 days after payday when you know money regularly comes into your bank account. This way you won’t be caught out with ‘insufficient funds’ and will always avoid any late fees. Repayments occur exactly every two weeks and one day after purchase date, usually around 10am - its less difficult and budget when you have 1 to 2 repayment days than 8 to 14. 

2. Shop around for the best price on an item – don’t assume that a Zip retailer offers the lowest price. Compare retailers to get the best deal. If the retailer you pick already has the lowest price you can find, and they offer Zip, it’s likely to be the best option. 

3. Make sure you know you will be able to make the repayments – because Zip takes direct debits, not budgeting could mean your bank account is cleaned out leaving no money for regular bills and food. 

4. Have some 'rainy day' money set aside - Zip won't work if you currently need to pay for a big purchase and don't have another means of credit. If possible, set aside a sum of money that could pay for a $500 or $1,000 purchase. If something unexpected comes up and you find yourself short of money due to any reason, your Zip commitments may be compromised. 

We don't know where Zip makes most of its money - from merchants or consumers

New Zealand company law does not require Zip to disclose their financial statements, so we cannot state what percentage of their revenue comes from merchant fees and what comes from late fee income. We do not know the default rate on repayments either. 

Zip review nz

Conclusion: Zip

  • Zip is here to stay, and this means more and more retailers will offer the payment option. 
  • If you budget carefully, plan purchases and Zip continues to closely assess your credit risk, the payment option can work to your advantage. 
  • We encourage shopping around for a deal - just because one retailer offers Zip doesn't mean it's the overall best deal. 
  • Zip, like any payment method, gives shoppers full consumer rights - if you return items, you will receive a refund, although this may not processed on the same day. 
  • Zip is an excellent alternative to using a credit card for non-essential purchases. A credit card may seem easier and more flexible, but the billing process is less easier to manage. Zip approves you per-purchase, although overall responsibility to make the repayments falls on the customer. 

Related Guides
  • How to Build Credit in New Zealand
  • Get a Free Credit Score and Credit Report

Buy Now Pay Later Apps
  • Afterpay Review
  • Laybuy Review
  • Humm Review
EXPLORE
Top Performing KiwiSaver Funds
Best Credit Cards
Sharesies vs Hatch vs Stake
Student Jobs
and Scholarships
Compare Car Finance
LEGAL
How this Website Works
Advertising Policy
Terms & Conditions
Cookies & Data FAQs
Privacy Policy

ABOUT
Contact Us
About MoneyHub

Join our Newsletter
Media and Press Information
Make a Complaint
MEMBERSHIPS
InsurTech NZ
fintechnz member
  • Search
  • Investing
    • Investing Platforms >
      • Reviews >
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • InvestNow Review
        • Kernel Review
        • BlackBull Markets Share Trading Platform Review
        • Jarden Direct Review
        • Flint Wealth Review
        • ASB Securities Review
        • Interactive Brokers
        • Tiger Brokers (NZ) Review
        • Smartshares Review
      • Comparisons >
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • Virtual Stocks and Shares Trading Games
      • Guides >
        • How to Invest in Shares
        • Investing in the US Stock Market from New Zealand >
          • How To Buy Tesla Shares
          • How To Buy Facebook 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
        • 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 Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing >
      • Guides >
        • Introduction to Investing
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • 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
      • Young People and Investing >
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
      • Investing Calculators >
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing >
      • Guides >
        • Investing Guide
        • Our Favourite Funds
        • Advisers >
          • Financial Advisers Overview
          • Financial Advisers Auckland
        • 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
        • Managed Funds >
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Investment Scams
        • 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
        • Investing Calculators
    • Alternative Investments and Trading >
      • Reviews >
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • BlackBull Markets Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides >
        • How to Invest in Gold
        • Forex Trading Guide
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency >
      • Reviews >
        • Easy Crypto Review
        • BitPrime Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs BitPrime vs Swyftx
        • 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
        • Guide to NFTs
        • Bitcoin Wallet Guide
        • Bitcoin Mining
        • How to Sell Bitcoin
        • Bitcoin and Crypto Scams
        • 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
      • How to Save for a Car
      • Buying a Car Loan vs Personal Loan - What is Better for Buying a Car?
      • Car Loans and Collateral
      • MBI (Mechanical Breakdown Insurance)
      • GAP (Guaranteed Asset Protection Insurance) Insurance
      • Bad Credit Car Loans
      • Paying Cash for a Car vs Car Finance
      • Car Dealership Finance vs Alternatives
      • Balloon Payments
      • How to Refinance Your Car Loan
      • Simplify Loans Review
      • Car Loan Refinance Calculator
    • Personal Loans >
      • Debt Consolidation Loans
      • Secured Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Low Income Loans
      • Same Day Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Avanti Finance Review
      • Save My Bacon Review
      • Moola Review
      • Harmoney vs Moola
    • Credit Scores & Interest Rates >
      • Credit Scores and Credit Checks 2022
      • How to Build Credit in New Zealand
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps >
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Car Insurance >
      • Guides >
        • 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
      • Reviews >
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance >
      • House Insurance
      • House Insurance Calculator
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Insurance Brokers >
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance >
      • Cat and Dog Desexing
      • Getting a Kitten
      • Getting a Puppy
      • Pet Euthanasia
    • Life & Health Insurance >
      • Life Insurance >
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • 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
      • Income Protection Insurance >
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance >
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Air New Zealand Credit Cards >
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
    • Balance Transfer Credit Cards
    • Reviews >
      • American Express Credit Cards Review >
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
      • Wise Debit Card Review
      • Flight Centre Mastercard Review
    • Guides >
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards >
      • Travel Money Cards
      • Travelex Money Card vs Wise Debit Card Comparison
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
  • Banking & Savings
    • Banking >
      • Best Bank Accounts
      • Best Debit Cards
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
    • Savings >
      • Best Savings Accounts
      • Best Term Deposits
      • Term Deposit Alternatives
    • Guides and Resources >
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews >
      • Wise International 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?
      • 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
    • Alternative Mortgage Options >
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
    • Mortgage Management >
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • Remortgaging Guide
      • Amortisation Calculator
      • Mortgage Refinance Calculator
    • Mortgage Brokers >
      • Mortgage Brokers Explained
      • Mortgage Brokers - Auckland
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Buying a Home >
      • First Home Buyers Checklist
      • Home Buying Glossary
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
    • 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
    • Building a House >
      • Average Building Cost Per Square Metre
      • Buying Land to Build a House
      • Construction Loans
      • Cost to Build a New House
  • KiwiSaver
    • Our Favourite KiwiSaver Funds
    • KiwiSaver Essentials >
      • Switching KiwiSaver Funds
      • KiwiSaver and Tax
      • Is KiwiSaver Safe?
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Choosing Your KiwiSaver Provider
      • KiwiSaver Robo and Digital Advice Tools
      • Opting out of KiwiSaver
      • KiwiSaver Calculator
      • What's My PIR?
      • Contributions >
        • How to Check Your KiwiSaver Contributions
        • KiwiSaver Contributions - Gross or Net?
        • Your KiwiSaver Contributions
        • Employer KiwiSaver Contributions
        • Government KiwiSaver Contributions
        • KiwiSaver Contributions Holiday
        • Voluntary Contributions
    • KiwiSaver Returns Calculator
    • Guides >
      • KiwiSaver Hardship Applications
      • Choosing a KiwiSaver Fund
      • Ethical Kiwisaver Funds
      • KiwiSaver Guide
      • KiwiSaver for Kids
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Private Equity
    • Schemes >
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • MAS KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Westpac KiwiSaver Scheme
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
  • Business
    • Business Essentials >
      • Business Loans
      • Prospa Business Loans Review
      • Business Credit Cards
      • Public Liability Insurance
      • Business Insurance
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • Business Calculators >
      • 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
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • 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
  • Students
    • Scholarships 2022
    • Jobs >
      • Student Jobs Guide
      • Student CV Templates
      • Student Job Cover Letters
      • Student Job Interview Questions and Answers
      • Summer Internships 2022
      • University and Polytechnic Student CV Templates
    • Money Resources >
      • Student Bank Accounts
      • Student Loans & Allowances
      • Year 13 Essential Checklist
      • Student Money Tips
      • Money in a Nutshell for Teenagers
      • Freebies for School Students
      • Money Tips for Kids and Teenagers
    • Education >
      • What to Study in 2023
      • Alternative Study Providers
      • School Holidays 2022
      • Public Holidays 2022
  • Motoring
    • Buying and Selling a Car >
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Top Cars that Hold Their Value
      • Vehicle Leasing
    • Everyday Driving >
      • 20 Ways to Make Driving Cheaper
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
    • 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
    • Footprint Online Wills Review
    • Prenuptial Agreements
    • Trusts Guide
    • Divorce Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Perpetual Guardian
  • Job Hunting
    • Job Applications >
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources >
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies >
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Broadband
  • Power
    • Compare Power Companies
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Power Companies >
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Energy Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Pulse Energy Review
      • Trustpower Review
  • Financial Independence
    • FIRE Guides >
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
      • Achieving Financial Independence, Faster
    • FIRE Tools >
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax >
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
    • Money Tips >
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Tips for Families on a Single Income
      • 20 Ways to Save LOTS on Household Bills
      • Side Hustles
      • Lending Money to Friends & Family
  • Better Living
    • Food & Grocery >
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
      • Woop Review
      • Online Supermarkets
      • Save Money on Food
      • Supermarket Christmas Clubs >
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
        • Countdown Christmas Club Vouchers
      • Coupons & Deals >
        • Kids Eat Free
    • Entertainment >
      • Streaming TV Services
      • Netflix Review >
        • Best Netflix Movies
        • Best Netflix TV Shows
      • Amazon Prime Video Review >
        • Best Amazon Prime Movies
        • Best Amazon Prime TV Shows
      • Disney+ Review
      • Apple TV+ Review
    • Consumer Rights >
      • How to Get a Refund, Repair or Replacement
      • What To Do If You Do NOT Receive Your Refund
      • The Complete Guide to Renting in New Zealand
    • Free Samples
    • Make Money Online
    • Paid Survey Websites Review
    • Nielsen Homescan Review
    • Nielsen Digital Voice Review
    • Valued Opinions Review
    • Opinion World Review
    • Triaba New Zealand Review
    • Rewardia New Zealand Review
    • School Holiday Activities >
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
      • Christchurch School Holiday Activities
    • 65+ Best Online Shopping Websites in New Zealand
    • Shoe Size Conversion Guide
    • Affordable Online Clothes Shopping
    • Best Baby Clothes
    • Dress Size Conversion
    • New Zealand Fashion Designers
    • Buy Books Online
    • Black Friday New Zealand Deals
    • Mother's Day Ideas and Gifts
    • Father's Day Ideas and Gifts
    • Daycare Checklist
    • How to Sell on Fiverr
    • Computer & Accessories >
      • Best Printers
      • Computer Desks
    • Gym Memberships Guide
    • Retirement Villages
    • Home & Kitchen >
      • Best Vacuum Cleaners
      • Best Coffee Grinders
      • Best Waffle Makers
      • Best Air Purifiers
      • Best Dehumidifiers
      • Best Treadmills
      • Best Washing Machines
      • Best Air Fryers
      • Best Juicers
      • Best Fridge Freezers
      • Best Mattresses
      • Best Ride-On Lawn Mowers
      • Best Pressure Cookers
      • Best Lawn Mowers
    • Blinds, Curtains and Drapes Auckland
    • Bathroom Renovations Guide
    • Weddings on a Budget
    • Wedding Budget Calculator
    • Trade Me Selling Tips
    • Prezzy Cards
    • Health & Personal Care >
      • Weight Loss Shakes
      • Teeth Whitening
      • Anti-Ageing Creams
      • Hair Straighteners
      • Sunscreen
      • Jenny Craig Review
      • Weight Watchers Review
    • Grammarly Review
    • Moving to New Zealand
  • Trade & Professional Services
    • Auckland Trade & Professional Services >
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services >
      • Arborists Wellington
      • Bathroom Renovations Wellington
      • Builders Wellington
      • Building Inspectors Wellington
      • Car Detailing Wellington
      • Catering Wellington
      • Cattery Wellington
      • Dog Boarding Kennels Wellington
      • Dog Daycare Wellington
      • Dog Grooming Wellington
      • Firewood Wellington
      • Glaziers Wellington
      • Gym Memberships Wellington
      • Heat Pump & AC Specialists Wellington
      • Lawn Mowing Services Wellington
      • Mechanics Wellington
      • Panel Beaters Wellington
      • Personal Trainers Wellington
      • Pest Control Wellington
      • Plumbers Wellington
      • Puppy School Wellington
      • Roofing Wellington
      • Wedding Photographers Wellington
    • Christchurch Trade Services >
      • Arborists Christchurch
      • Bathroom Renovations Christchurch
      • Builders Christchurch
      • Building Inspectors Christchurch
      • Car Detailing Christchurch
      • Catering Christchurch
      • Cattery Christchurch
      • Dog Boarding Kennels Christchurch
      • Dog Daycare Christchurch
      • Dog Grooming Christchurch
      • Firewood Christchurch
      • Glaziers Christchurch
      • Gym Memberships Christchurch
      • Heat Pump & AC Specialists Christchurch
      • Lawn Mowing Services in Christchurch
      • Mechanics Christchurch
      • Panel Beaters in Christchurch
      • Personal Trainers Christchurch
      • Pest Control Christchurch
      • Plumbers Christchurch
      • Puppy School Christchurch
      • Roofing Christchurch
      • Wedding Photographers Christchurch
    • Hamilton Trade Services >
      • Arborists Hamilton
      • Bathroom Renovations Hamilton
      • Builders Hamilton
      • Building Inspectors Hamilton
      • ​Car Detailing Hamilton
      • Catering Hamilton
      • Cattery Hamilton
      • Dog Boarding Kennels Hamilton
      • Dog Daycare Hamilton
      • Dog Grooming Hamilton
      • Glaziers Hamilton
      • Gym Memberships Hamilton
      • Heat Pump & AC Specialists Hamilton
      • Lawn Mowing Services Hamilton
      • Mechanics Hamilton
      • Panel Beaters Hamilton
      • Personal Trainers Hamilton
      • Pest Control Hamilton
      • Plumbers Hamilton
      • Puppy Schools Hamilton
      • Roofing Hamilton
    • Tauranga Trade Services >
      • Arborists Tauranga
      • Bathroom Renovations Tauranga
      • Builders Tauranga
      • Building Inspectors Tauranga
      • ​Car Detailing Tauranga
      • Catering Tauranga
      • Cattery Tauranga
      • Dog Boarding Kennels Tauranga
      • Dog Daycare Tauranga
      • Dog Grooming Tauranga
      • Glaziers Tauranga
      • Gym Memberships Tauranga
      • Heat Pump & AC Specialists Tauranga
      • Lawn Mowing Services Tauranga
      • Mechanics Tauranga
      • Panel Beaters Tauranga
      • Personal Trainers Tauranga
      • Pest Control Tauranga
      • Plumbers Tauranga
      • Roofing Tauranga
    • Dunedin Trade Services >
      • Builders Dunedin
      • Building Inspectors Dunedin
      • Car Detailing Dunedin ​
      • Catering Dunedin
      • Firewood Dunedin
      • Gym Memberships Dunedin
      • Heat Pump & AC Specialists Dunedin
      • Mechanics Dunedin
      • Panel Beaters Dunedin
      • Personal Trainers Dunedin
      • Plumbers Dunedin
      • Wedding Photographers Queenstown
    • Lower Hutt Trade Services >
      • Builders Lower Hutt
      • Catering Lower Hutt
      • Mechanics Lower Hutt
      • Panel Beaters Lower Hutt
      • Plumbers Lower Hutt
    • Napier and Hastings Trade Services >
      • Building Inspectors Napier and Hastings
      • Heat Pump & AC Specialists Napier and Hastings
  • Get Our Newsletter