We’ve made some changes to our One Wallet Terms and Conditions on 9 September 2025. You can find previous terms prior to 9 September 2025 here.

1. One Wallet is available to access if you have a mobile number on a New Zealand mobile network.

2. If you are a One New Zealand (‘One NZ’) mobile customer, you can:

• Download and register for the My One NZ app; and
• Add your mobile number as a service in the My One NZ app,

One Wallet will then be available for you via the One Wallet tile within 48 hours.

3.One Wallet is also available at whatsinmywallet.one.nz:

• Enter your New Zealand mobile number into whatsinmywallet.one.nz;
• One NZ will send you an SMS with a one-time password code;
• Enter the one-time password code into whatsinmywallet.one.nz and your One Wallet will be available to you.

4. One Phone Dollar is equivalent to one New Zealand dollar.

5. To redeem your Phone Dollars balance, you must:

• Be at least 18 years old;
• Be a One NZ customer on an eligible Pay Monthly plan;
• Be the account holder of the mobile number associated with the One Wallet; and
• Visit a One NZ retail store and pass a credit check.

6. You must use at least $1 Phone Dollar of your Phone Dollars balance when redeeming.

7. Your Phone Dollars balance can only be redeemed for the mobile number associated with your One Wallet. Your Phone Dollars balance must be put towards a new phone purchase with a minimum value of $199 including GST, on a 24 or 36 month Interest Free term with an eligible One NZ Pay Monthly plan.

8. Your redeemed Phone Dollars balance will be spread evenly over the agreed Interest Free term as a One Wallet discount. The One Wallet discount will be applied from your first monthly bill. If you cancel, transfer or trade down your eligible One NZ Pay Monthly plan in the middle of your billing month, you will not receive the discount for that month, and you will be ineligible for any remaining One Wallet discount from that point onwards.

9. After your One Wallet discount is applied, a minimum remaining Interest Free amount of at least $1 must be payable over your Interest Free term.

10. A minimum deposit is required when purchasing a phone on Interest Free. Your Phone Dollars balance cannot be used as the deposit for your Interest Free purchase.

11. We may, at our sole discretion, apply an initial welcome boost of a value of our choice to your One Wallet when you first access your One Wallet.

12. We may at any time, at our sole discretion, apply a goodwill balance of a value of our choice to your One Wallet.

13. We may send you personalised offers to help you build your Phone Dollars balance. These offers are only valid for your mobile number associated with your One Wallet. You must redeem an offer by the expiry date specified in the offer.

14. You will need to save some offers sent to you and then add that offer in your One Wallet by the expiry date specified in the offer. We will tell you in the offer details if you need to save an offer.

15. The expiry date for each portion of Phone Dollars added to your One Wallet will be shown in your One Wallet offer details and balance activity.

16. Phone Dollars will be removed from your balance as they expire.

17. If Phone Dollars are added to your Phone Dollars balance because you have saved and added an offer, and you then later become ineligible for that offer (i.e. if you upgrade your mobile plan and then transfer off that plan), the Phone Dollars that were added to your Phone Dollars balance from that offer will be removed.

18. We may change and update One Wallet offers and benefits from time to time.

19. The maximum value that you can reach in your Phone Dollars balance is $5,000 Phone Dollars, including any offers available to you that you have not yet saved. Any value added to your balance from a trade-in quote or a device offer is excluded. At times, certain promotional offers will temporarily extend the maximum balance limit past $5,000 Phone Dollars.

20. If you are a One NZ mobile customer, your One Wallet is owned by the account holder of the associated One NZ mobile number.

21. Your Phone Dollars balance is linked to the mobile number associated with your One Wallet. The balance cannot be transferred, shared or redeemed by any other person or mobile number that is not the account holder.

22. You may gift your Phone Dollars balance, excluding any trade-in estimate and device offers, to another One Wallet on your billing account. The gifted balance must be redeemed within 30 days. If the gifted balance isn’t redeemed within 30 days, it will expire and be removed from the balance.

23. Your Phone Dollars balance, Phone Dollars and any One Wallet discount cannot be exchanged and is not redeemable for cash.

24. Your Phone Dollars balance cannot be used in conjunction with any other promotional offer, including Interest Free discounts.

25. After your One Wallet discount is applied to an Interest Free term, if you use One Upgrade to upgrade to a new phone on a new Interest Free term, you will lose your One Wallet discount and it cannot be transferred to the new Interest Free term.

26. If you move your One NZ mobile number associated with the One Wallet to another billing account on the same customer account, or if you change ownership of the One NZ mobile number to another customer account, the One Wallet will remain active and the Phone Dollars balance and any eligible offers will also remain active. Any offers that are no longer eligible will be removed.

27. Your access to One Wallet and your Phone Dollars balance will be removed:

• If you are a One NZ mobile customer: if your mobile number is disconnected or suspended from the One NZ mobile network, or in the event of your death;
• If you are not a One NZ mobile customer: if the mobile number associated with your One Wallet is not active on the One NZ mobile network within 12 months of accessing whatsinmywallet.one.nz and activating your One Wallet.

It may take up to 48 hours for One Wallet to reflect that your One Wallet access and balance has been removed.

28. We may cancel or suspend your access to One Wallet by notice in writing if we reasonably believe that you have abused, misused or obtained by any misrepresentation your Phone Dollars balance (or any part of your balance).

29. We reserve the right to adjust your Phone Dollars balance if we identify any inaccuracy.

30. We may terminate One Wallet by giving you 30 days written notice. You may use your Phone Dollars balance during that 30 day period, however your balance and access to One Wallet will be removed at the end of that 30 day period.

31. We may change these One Wallet Terms and Conditions from time to time.

One NZ’s General Consumer Terms, Business Terms, Mobile Terms, Interest Free Payment Terms, Trade-in Terms, One Upgrade Terms and Privacy Policy apply.

Bill Bonus Offer:

*Save this offer to earn a percentage of your bill back in Phone Dollars every month, with Bill Bonus. The more eligible connections you have, the more you’ll get.

• Offer available if you are a One NZ mobile customer and have received the Bill Bonus offer tile in your One Wallet.
• Phone Dollars will be automatically added to your Phone Dollars balance each month on your billing date based on the number of eligible plans you have on your billing account, until the offer expires or is withdrawn.
• Each month, we will calculate the number of eligible plans on your billing account, and you will receive:
• One eligible plan: 2% of the value of that plan, excluding any discounts associated with that plan, as Phone Dollars for that month’s Bill Bonus;
• Two eligible plans: 4% of the value of those plans, excluding any discounts associated with those plans, as Phone Dollars as for that month’s Bill Bonus;
• Three or more eligible plans: 6% of the value of those eligible plans, excluding any discounts associated with those plans, as Phone Dollars for that month’s Bill Bonus.
• You can earn a maximum of $50 Phone Dollars each month from your Bill Bonus.
• The following plans are eligible towards for this Bill Bonus offer:
  • Pay Monthly personal mobile plans:
    • Companion Endless Plus, Companion Extra Large Mobile, Companion Medium Mobile, Companion Mobile Medium, Companion Unlimited Mobile, Endless Mobile Lite, Endless Mobile Medium, Endless Plus, Endless Small, Endless Starter, Entry Pay Monthly, Extra Large Mobile, Lite Plan, Medium Mobile, One Plan, Small Endless, Small Starter Mobile.
  • Personal broadband plans:
    • 300GB Wireless Broadband 12 month term, 300GB Wireless Broadband open term, 300GB Wireless Broadband with Calling 12 month term, 300GB Wireless Broadband with Calling open term, 4G Uncapped WBB with Calling 12mth term, 4G Uncapped WBB with Calling open term, 4G Uncapped Wireless BB 12 month term, 4G Uncapped Wireless BB open term, 4G Wireless Lite, 5G Wireless Broadband 12 month term, 5G Wireless Broadband open term, 5G Wireless Broadband with Calling 12 month term, 5G Wireless Broadband with Calling open term, Fibre Everyday (Unlimited Broadband), Fibre Max (Unlimited Broadband), Fibre Starter (Unlimited Broadband), Gold plan open term, Gold plan transfer, Unlimited - ADSL Broadband, Unlimited - Fibre, Unlimited - Fibre Max, Unlimited - Fibre Starter, Unlimited - UltraFast HFC Max, Unlimited - VDSL Broadband, Wireless Unlimited.
• We may automatically change your next month’s Bill Bonus offer amount if the number and/or value of the eligible plans you have on your billing account changes.
• We may suspend your Bill Bonus offer if your bill is overdue until the outstanding balance has been paid in full.
• If after you have saved this offer you become ineligible for it, or your billing account bill payer contact number changes, any Phone Dollars that have been added to your One Wallet for this offer will stay in your balance until they expire or are redeemed.
• The expiry date for Phone Dollars added to your Phone Dollars balance will be shown in your balance history.
• This offer is valid until the date shown on the Bill Bonus offer in your One Wallet.
• This offer is not transferrable, and we may withdraw, amend or extend this offer at any time.
• One NZ’s One Wallet Terms apply.

Connect More, Get More:

*Save this offer to receive $300 Phone Dollars for every additional eligible mobile or broadband connection you bring under your One NZ Pay Monthly billing account.

• Offer available if you are a One NZ mobile customer and have received the Connect More, Get More offer tile in your One Wallet.
• You must save the offer in your One Wallet before the eligible new connections are activated.
• Earn $300 Phone Dollars for each eligible new connection you add to the billing account associated with your One Wallet.
• The following plans are eligible new connections for this offer:
  • Personal and Business Pay Monthly plans: Companion Endless Plus, Companion One Plan, Endless Plus, Endless Starter, Lite Plan and One Plan.
  • Personal broadband plans: ADSL, 4G Wireless Lite, 4G Wireless, 5G Wireless, Fibre Everyday, Fibre Max, Fibre Starter, HFC and VDSL.
  • Business broadband plans: Wireless, Fibre, Rural Broadband and Business Starlink.
• Eligible new connections must stay active for at least 6 months. If you change to an ineligible plan, cancel an eligible new connection or leave One NZ within 6 months of redeeming this offer, any Phone Dollars which have been added to your One Wallet through this offer will be removed.
• Phone Dollars will be added to your One Wallet within 10 days of an eligible new connection becoming active.
• Eligible new connections added to your billing account through this offer must stay active for at least 6 months on the same billing account. If you change to an ineligible plan, cancel an eligible new connection or leave One NZ within 6 months of redeeming this offer, any Phone Dollars which have been added to your One Wallet through this offer will be removed.
• Phone Dollars will expire four years after they have been added to your One Wallet, and the expiry date will be shown in your balance history.
• Offer may be withdrawn or amended at any time.
• One NZ’s One Wallet Terms, Pay Monthly Terms and Broadband & Home Phone Specific Terms apply.

Device Offers:

*iPhone boost: Use this boost towards the iPhone 14 or any newer model before the offer expires, when you buy on a 36-month interest free term with an $85 One NZ Pay Monthly plan.

• Offer available if you have received a device offer in your One Wallet.
• Buy a selected phone interest-free and get a Phone Dollars boost.
• Phone must be purchased on an eligible interest free term with an eligible One NZ Pay Monthly plan.
• Check your One Wallet offer for full offer details, including eligible phones, interest free terms and Pay Monthly plans associated with your offer.
• Minimum $99 deposit required.
• Savings evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost.
• Phone Dollars from this offer can only be redeemed when purchasing the phone shown in your offer tile.
• The expiry date for Phone Dollars added to your One Wallet will be shown in your balance history.
• This offer is valid until the date shown on the device offer in your One Wallet.
• This offer is not transferrable, and we may withdraw, amend or extend this offer at any time.
• Offer cannot be used with any other promotional offer or deal.

• Eligibility criteria and credit checks apply

• One NZ’s One Wallet Terms, Interest Free Payment Terms, Mobile Terms and Pay Monthly Terms apply.

Upgrade Your Plan Offer:

*Upgrade your plan for more max speed data and get more Phone Dollars – win win! Just save this offer, then head to your nearest One NZ store and our team will get you set up.

• Offer available if you are a One NZ mobile customer and have received the Upgrade your plan offer tile in your One Wallet and then upgrade to an eligible Pay Monthly mobile plan.
• Phone Dollars from this offer will be added when your Pay Monthly plan upgrade becomes active, but may take up to 48 hours to show in your One Wallet.
• Once you have redeemed this offer and Phone Dollars have been added to your One Wallet, if you then become ineligible for the offer (i.e. you cancel or trade down your new One Plan Pay Monthly plan), the relevant Phone Dollars will be removed from your One Wallet.
• The expiry date for Phone Dollars added to your One Wallet will be shown in your balance history.
• This offer is valid until the date shown on the upgrade offer in your One Wallet.
• This offer is not transferrable, and we may withdraw, amend or extend this offer at any time.
• One NZ’s One Wallet Terms and Pay Monthly Terms apply.

Phone Dollars Boosts:

*Welcome bonus: Welcome to One Wallet. We’ve kickstarted your Phone Dollars balance to get you to that new interest free phone faster!

*Simon boost: Simon’s on the loose at One NZ and he’s given your Phone Dollars balance a boost! Use it towards any new phone $199+, within 90 days when you buy on an interest free term with an eligible One NZ Pay Monthly plan.

• One NZ may at times apply an initial welcome bonus or additional balance boosts (of a value of our choice) to your One Wallet.
• Phone Dollars from these boosts will automatically be added to your Phone Dollars balance.
• The expiry date for Phone Dollars added to your One Wallet will be shown in your balance history.
• One NZ’s One Wallet Terms and Pay Monthly Terms apply.

Set Up Autopay Offer:

*Set up an autopay to take care of your monthly bill payment and we'll throw some more Phone Dollars your way. Just save this offer and head to one.nz/ways-to-pay to get set up.

• Offer available if you are a One NZ mobile customer and have received the Set Up Autopay offer tile in your One Wallet and change the payment method on the billing account associated with your One Wallet to pay by direct debit.
• Phone Dollars from this offer will be added when the payment method is updated to direct debit on the billing account, but may take up to 48 hours to show in your One Wallet.
• Once you have redeemed this offer and Phone Dollars have been added to your One Wallet, if you then become ineligible for the offer (i.e. you change your payment method to something other than by direct debit), the relevant Phone Dollars will be removed from your One Wallet.
• The expiry date for Phone Dollars added to your One Wallet will be shown in your balance history.
• This offer is valid until the date shown on the autopay offer in your One Wallet.
• This offer is not transferrable, and we may withdraw, amend or extend this offer at any time.
• One NZ’s One Wallet Terms and Direct Debit Terms apply.

Trade-in Offer:

*Want Phone Dollars for your old phone? Tell us a bit about its condition and the estimated value is added to your balance (subject to in-store check).

• Offer available if you have received the Trade-in offer tile in your One Wallet and then add the trade-in estimate to your Phone Dollars balance.
• Trade-in quotes are subject to our Trade-in Terms, including an in store visual inspection of the phone to verify the condition and determine the trade-in value.
• Trade-in quotes added to your Phone Dollars balance are only valid until the date indicated on the quote provided.
• Your Phone Dollars balance will automatically update over time as the estimated value changes.
• One NZ's One Wallet Terms and Trade-in Terms apply.