Earn Phone Dollars™ with dosh
From everyday spending to big life moments, turn it into rewards that get you closer to your next phone.
Dosh is not a registered bank. However, your funds are held at a NZ registered bank.
Home loan and new phone
The dosh difference
- Expert home loan advice
- A competitive interest rate with a structure that suits you
- Cashback on eligible home loans
- $1,700 in Phone Dollars when you buy or refinance
Chat to dosh about your options, no obligation.
Min. $300,000 home loan and 1 year fixed term. You must keep your home loan with Dosh for 24 months from settlement. See full terms.
Earn as you spend
- Earn 1% back in Phone Dollars on eligible spend*
- Get $50 Phone Dollars when you first use your card
- Free to order and no annual fees
Redeem your Phone Dollars
Pick a new phone online or at a One NZ store. If you choose to visit a store, the account holder will need to bring their driver licence or passport for the credit check.
2. Redeem your Phone Dollars and pay less
Redeem your Phone Dollars and pay less for a new phone on an eligible Pay Monthly plan.
3. Pay the rest over time
Your Phone Dollars discount is spread evenly over a 24 or 36-month interest-free term. Any remaining balance is also paid over the same term.
Heads up: You’ve got to keep your plan to keep your discount.
How it works
Get the dosh app
Earn Phone Dollars
Unlock that upgrade
Terms and conditions
*Earn 1% of the value of eligible purchases made with your One NZ dosh Visa Debit card in Phone Dollars. Everyday retail consumer purchases only, exclusions apply. Earn controls and conditions may be imposed. Phone Dollars added to your One Wallet by the seventh calendar day of each month. Offer may be withdrawn or amended. Dosh's Phone Dollar Rewards Terms and General Terms & Conditions, and One NZ’s One Wallet Terms apply.
^Min. $300,000 home loan and 1 year fixed term. You must keep your home loan with Dosh for 24 months from settlement. Offer available to new and refinancing Dosh customers. Only available once per customer. Offer may be withdrawn or amended. Phone Dollars provided and managed by One NZ. Phone Dollars added to your One Wallet on settlement. Dosh’s lending and eligibility criteria apply. Dosh's Phone Dollar Rewards Terms and General Terms & Conditions, One NZ Privacy Policy and One NZ’s One Wallet Terms apply.
By participating in any dosh offer, you acknowledge that we may receive information about you (such as your mobile number, account status, and certain activities that qualify for Phone Dollars). This is to create and manage your One Wallet, view your balance and allocate Phone Dollars based on your activity. In these cases, we collect your information from dosh rather than directly from you.
One Wallet: The Phone Dollars in your One Wallet can be redeemed with an eligible One NZ Pay Monthly plan. Your Phone Dollars balance can be used towards a new phone purchase with a minimum value of $199, on a 24 or 36-month interest-free term. Minimum $99 deposit required and minimum $1 monthly interest free repayment over term. Eligible business connections can only redeem Phone Dollars in a One NZ store. Balance savings evenly spread over the agreed interest-free term. Balance of phone cost must be repaid if you exit, transfer or trade-down your plan before the interest-free term expires. Redeeming is available to the account holder of the service and is subject to a credit check. Eligibility criteria and terms apply.
Dosh is not a registered bank. However, your funds are held at a NZ registered bank.
Frequently asked questions
What is dosh?
Will my money be safe with dosh?
What does the partnership with dosh mean for me as a One NZ customer?
How do I sign up to dosh?
Is dosh a bank?
I'm not a One NZ customer, can I still get these dosh offers?
Why have I been contacted from One NZ about my home loan and what information is shared?
We're offering eligible customers the chance to earn Phone Dollars through a home loan offer with dosh. To work out who might be interested, we use information we already hold about our customers, along with information from service providers and other lawful sources. We haven't shared your information with dosh — that only happens if you ask us to make an introduction.
Has One NZ already shared my information with dosh?
No. Being identified as someone who might be interested doesn't mean we've sent anything to dosh. We only share your name and contact details if you ask us to introduce you.
What will you share with dosh if I say yes to being contacted about a home loan?
Your name and contact details, so dosh can get in touch about their home loan services. From there you deal with dosh directly about anything they offer.
What does dosh share back with One NZ?
If you go ahead with dosh, they let us know how the referral went — enough for us to work out whether you've earned Phone Dollars and add them to your One Wallet. That's all we receive.
Who looks after my information?
We look after the information we use to find eligible customers, run the offer and manage your Phone Dollars. dosh looks after whatever you give them directly about your home loan, under their own privacy policy. There's more detail in our privacy policy.