Dosh review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Dosh is a debit card for New Zealand households that want cashback of 1% on everyday spending without a monthly charge. Its currency conversion fee of 2% is the number to weigh, since it applies on every purchase made in another currency.
Key facts
- Best for
- A New Zealand debit card with cashback on everyday spending and no monthly charge.
- Monthly fee
- NZ$0↗
- Currency conversion fee
- 2%↗
- Card type
- Debit↗
- Cashback rate
- 1%↗
- Card network
- Visa↗
- Legal entity
- MCA Investments Limited↗
- Support channels
- Email↗
- Official website
- dosh.nz
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- LinkedInfacebook.cominstagram.com
Pros and cons
Pros
- The monthly fee is NZD 0, so there is no recurring cost to budget for.
- Cashback of 1% comes back on card spending.
- It is a debit card on the visa network, so it works as an ordinary everyday payment card.
Cons
- The currency conversion fee of 2% applies on every purchase made in another currency.
- Support runs on email only, so there is no phone or chat line for a card problem.
Who it suits
- New Zealand households that want a debit card for everyday spending and want cashback of 1% on it.
- People who mostly spend in the New Zealand dollar and can keep purchases in other currencies rare.
Who should look elsewhere
- Not for people who convert currency often: 2% applies on every purchase in another currency, so Wise is the alternative to weigh against that charge.
- Not for anyone who wants live support: support runs on email only, and Monzo Flex and Bitpanda are the other cards here, with monthly fees of £0 and €0.
Fees
The card carries a monthly fee of NZD 0, so keeping it open costs nothing in New Zealand dollars. Currency conversion is the line that matters: 2% applies when the card spends in a currency other than the New Zealand dollar. Plan overseas trips around that cost or pay in the local currency.
The company behind it
The card comes from MCA Investments Limited, which is registered in New Zealand and holds a Financial Markets Authority licence under FSP1000801. That reference is the quickest way to check the public record for the entity behind the card. Support is thinner: it runs on email only, so expect to write rather than call.
How Dosh compares
8.7 vs 9.4
8.7 vs 9.0
8.7 vs 8.2
8.7 vs 9.5
8.7 vs 9.6
8.7 vs 9.0
8.7 vs 9.1Bitpanda's monthly fee of €0 matches Dosh's, so a card shopper can hold both in view on cost before looking at anything else.
8.7 vs 8.9
8.7 vs 8.1
8.7 vs 8.2
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.2
8.7 vs 9.1
8.7 vs 9.0
8.7 vs 8.9- 8.7 vs 8.8
8.7 vs 8.8
8.7 vs 8.6
8.7 vs 8.5
8.7 vs 8.3
Where Dosh is available
- Available
- New Zealand
- Licence in New Zealand
- Financial Markets Authority (FMA) (FSP1000801), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does the Dosh card cost each month?+
Dosh charges a monthly fee of NZD 0, listed in New Zealand dollars, so there is no recurring charge to budget for on the card itself. Spending is where the cost sits, and the currency conversion fee is the term to read before you travel.
What does Dosh charge when I spend in another currency?+
The currency conversion fee is 2%, and it applies on purchases made in a currency other than the New Zealand dollar. An overseas trip or an online payment priced in a foreign currency both attract it, so paying in the local currency where you are keeps the card's usual terms.
How much cashback does the Dosh card give?+
Cashback on card spending is 1%. Because the card is a debit card, that cashback sits on top of ordinary debit spending rather than on a credit balance, and the monthly fee of NZD 0 means there is no annual cost to set against it.
Is my money protected and who is behind the Dosh card?+
The card comes from MCA Investments Limited, which is registered with the Financial Markets Authority in New Zealand under FSP1000801. That reference lets you check the public record for the entity responsible for the card before you start using it.
What kind of card is the Dosh card?+
It is a debit card running on the visa network, so it can be used wherever Visa debit cards are taken. It is not a credit card, and the monthly fee of NZD 0 keeps the cost of holding one open to a minimum.
How do I get help from Dosh?+
Support runs on email only, so questions about the card, the app or a payment go by email. There is no phone or chat line listed, which matters if you would rather talk a problem through with someone than write it down.
Who is the Dosh card for?+
It suits New Zealand households that want a straightforward card for everyday spending and want cashback of 1% on it. People who travel often should weigh the conversion fee of 2% first, since it applies on every purchase made in another currency.
How does the monthly fee compare with Monzo Flex, Wise and Bitpanda?+
All four sit in the same place on that line: Dosh charges NZD 0, Monzo Flex £0, Wise £0 and Bitpanda €0. The monthly fee will not decide the pick, so conversion costs and support are the more useful differences.
Sources
- dosh.nz/card-rewards checked September 26, 2026
Backs: Cashback rate, Currency conversion fee, Monthly fee
“earn 1% back in Phone Dollars on your eligible everyday spend - One NZ dosh Visa debit card”
- dosh.nz/contact-us checked September 26, 2026
Backs: Support channels
“contact@dosh.nz”
- dosh.nz/dosh-card checked September 26, 2026
Backs: Card type, Card network
“Spend with your One NZ dosh Visa debit card”
- dosh.nz/public-disclosure checked September 26, 2026
Backs: Legal entity, Licences
“Dosh is the trading name of MCA Investments Limited (NZBN 9429048713511)”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Dosh
A New Zealand debit card with cashback on everyday spending and no monthly charge.