Unlock Free Money in New Zealand

Unlock Free Money in New Zealand

Table of Contents

  1. Introduction
  2. KiwiSaver: Accumulating Free Money
    • How KiwiSaver Works
    • Scenario: Earning $40,000 per year
    • Employer Contributions
    • Self-Employed Contribution
    • Potential Free Money in KiwiSaver
  3. First Home Grant: Assistance for First-Time Buyers
    • Eligibility Criteria
    • Accumulating Free Money through First Home Grant
  4. Fees Free: Funding Tertiary Education
    • Understanding Fees Free
    • Utilizing Fees Free Money
    • Acquiring Skills for Increased Income
  5. Electric Vehicle Rebate: Incentives for Environmentally Friendly Choices
    • Rebate for Electric Vehicle Purchases
    • Potential Changes in Rebate Figures
    • Exploring the Benefits of Electric Vehicles
  6. Cash Back Rewards: Making the Most of Your Purchases
    • Cash Back Rewards through Credit Cards
    • Comparing Different Credit Cards
    • Calculating Potential Cash Back Savings
    • FlyBuys Rewards and Discounts
  7. Sign-up Bonuses: Taking Advantage of Opportunities
    • Sign-Up Bonuses for Delivery Driving
    • Delivery Driving Platforms: UberEats, Deliver Easy, and Menulog
    • Sign-Up Bonuses for Stock and Crypto Exchanges
    • Coinbase, Shrimpy, and Crypto.com
  8. Conclusion

KiwiSaver: Accumulating Free Money

KiwiSaver is a government-established saving scheme in New Zealand designed to help individuals save for retirement and their first homes. Understanding how KiwiSaver works can enable New Zealanders to accumulate free money over time. For those earning $40,000 annually, contributing 3% of their income to KiwiSaver, the government requires matching employer contributions of 3%. This means the employer will contribute $1,200 to the kiwiSaver account, providing individuals with free money. However, for self-employed individuals or those unemployed, personally contributing $1,042 from July 1st to June 30th can result in receiving $521 from the government. Following these steps, New Zealanders can expect to receive between $521 and $1,721 in free money annually from their KiwiSaver accounts.

First Home Grant: Assistance for First-Time Buyers

The First Home Grant is a grant facilitated by the New Zealand government to support first-time home buyers. By adhering to the grant's criteria, individuals can secure free money that may prove advantageous in the future. Even if one is not currently in the market for a house or unable to afford one, understanding and following the grant's criteria can result in significant free money accumulation over time. For purchasing an existing home, individuals can receive up to $5,000 from the First Home Grant. For those purchasing a new build home and meeting the specified criteria promptly, up to $10,000 can be obtained. Exploring the grant's criteria on the official website and familiarizing oneself with the requirements can unlock opportunities for accumulating free money.

Fees Free: Funding Tertiary Education

Fees Free is a government policy in New Zealand aiming to assist individuals in funding their first year of tertiary or university equivalent education, amounting to $12,000. While one might assume that university education is not suitable for their circumstances, considering the long-term benefits of gaining skills and increasing income is essential. Acquiring skills through classes, courses, or alternative education methods allows individuals to enhance their earning potential. Platforms like Open Polytechnic provide part-time, online study options, offering valuable information and qualifications. Taking advantage of this free money and exploring alternative means of education can prove beneficial in building a successful future.

Electric Vehicle Rebate: Incentives for Environmentally Friendly Choices

To promote the purchase of electric vehicles (EVs) in New Zealand, the government provides a rebate as an incentive. Buying a new EV and registering it with the New Zealand Transport Agency allows individuals to receive a rebate of $8,625 credited to their bank account. Although the current rebate's expiration is March 31st, 2022, it is expected that some form of incentive or compensation will continue to be offered for EV purchases. Investing in an EV not only contributes to a cleaner environment but also potentially yields financial benefits. The rebate amount may vary in the future, but the concept of receiving free money for an environmentally friendly choice remains enticing.

Cash Back Rewards: Making the Most of Your Purchases

Cash back rewards are a lucrative option for accumulating free money in New Zealand. Utilizing credit cards that offer cash back rewards can significantly impact one's savings. Several credit and debit cards available in New Zealand provide cash back rewards ranging from 1% to 2% on all purchases. By spending around $20,000 annually, individuals can earn between $200 and $400 in cash back rewards. This amount can increase even further with the introduction of other benefits, such as FlyBuys rewards. By dedicating FlyBuys points towards gasoline discounts, individuals can save substantial amounts on fuel expenses. Exploring available cash back rewards and maximizing their benefits can result in accumulating between $2,000 and $4,000 over ten years, considering income growth and the absence of inflation.

Sign-up Bonuses: Taking Advantage of Opportunities

Sign-up bonuses present unique opportunities to acquire free money. In the context of delivery driving, platforms like UberEats offer a $500 sign-up bonus after completing the first 30 orders. If one owns a full license, signing up for UberEats and completing orders efficiently can result in a significant cash bonus. Other platforms like Deliver Easy and Menulog also offer sign-up bonuses for aspiring delivery drivers. Exploring these options and utilizing referral links can allow individuals to benefit from these bonuses and accumulate free money.

Apart from delivery driving, various stock and crypto brokerages offer sign-up bonuses. Platforms like Coinbase, Shrimpy, and Crypto.com provide free cryptocurrencies to users who complete quizzes or sign up for their services. By taking advantage of these sign-up bonuses, individuals can accumulate free money. Additionally, some brokerage platforms reward users with free money when they deposit funds or contribute to their accounts. Examples include Stake, Hatch, and Celsius. Utilizing these sign-up bonuses can lead to free money accumulation, ranging from stocks to cryptocurrencies.


In New Zealand, several opportunities exist for accumulating free money. Utilizing programs like KiwiSaver, First Home Grant, and Fees Free can assist individuals in securing funds for retirement, homeownership, and education. Exploring cash back rewards from credit cards, leveraging FlyBuys benefits, and taking advantage of sign-up bonuses can contribute further to free money accumulation. By being proactive and informed, individuals can maximize these opportunities and enhance their financial circumstances. Remember to consider each option's pros and cons, eligibility criteria, and long-term implications before making decisions. With careful planning and strategic utilization of these avenues, New Zealanders can accumulate substantial free money for their future financial well-being.


  • KiwiSaver: A Saving Scheme Ensuring Free Money for Retirement and First Homes
  • First Home Grant: Supporting First-Time Buyers with Free Money
  • Fees Free: Accessing Free Money for Tertiary Education
  • Electric Vehicle Rebate: Incentives for Environmentally Friendly Choices
  • Cash Back Rewards: Profiting from Everyday Purchases
  • Sign-up Bonuses: Exploring Opportunities for Free Money


Q: How can I access the First Home Grant? A: To access the First Home Grant, individuals must meet the eligibility criteria set by the New Zealand government. This criteria can be found on the official website, providing detailed information about the requirements.

Q: Are there any risks involved in using credit cards to accumulate cash back rewards? A: While credit cards offering cash back rewards can be advantageous, they also come with risks. It is crucial to understand the terms and conditions, interest rates, and fees associated with each credit card. Responsible usage and timely payments are essential to avoid potential debt and financial pitfalls.

Q: Can anyone apply for sign-up bonuses offered by stock and crypto brokerages? A: Sign-up bonuses provided by stock and crypto brokerages often require users to complete certain actions, such as depositing funds or completing quizzes. Eligibility criteria may vary, and it is essential to understand the terms and conditions of each platform before signing up.

Q: How can I maximize the benefits of FlyBuys rewards? A: To maximize FlyBuys rewards, individuals can dedicate their points towards specific benefits, such as discounts on gas or at supermarkets like New World. By understanding the rewards system and aligning it with personal needs, one can make the most of these free money opportunities.

Q: Can I combine multiple strategies to accumulate more free money? A: Yes, combining multiple strategies can result in even greater accumulation of free money. By strategically utilizing KiwiSaver, First Home Grant, cash back rewards, and sign-up bonuses, individuals can enhance their financial situation and capitalize on multiple avenues for free money accumulation.