Turn Your Everyday Spending Into Your Next Phone

A smarter way for One NZ customers to save on their next device—without changing how they spend.

Upgrading your phone doesn't have to mean dropping $1,500 or more upfront. If you're with One NZ, there's now a straightforward way to turn the money you're already spending into real savings on your next device.

It's called dosh, and it might be the easiest money-saving hack you're not using yet.

The Simple Idea: Earn While You Spend

Dosh is a money app, making your life simpler for all your money needs. You can order your free One NZ dosh Visa debit card that rewards your everyday purchases with Phone Dollars—a balance you can put toward your next interest-free phone through One NZ.

Here's how it works:

• 1% back in Phone Dollars on eligible everyday spending*

• Uncapped earnings—no limits on how much you can accumulate

• $50 Phone Dollars just for making your first purchase with the card  

Whether you're filling up the car, booking a trip, or doing the weekly shop, you're quietly building a balance toward your next phone.

Where It Adds Up Fast

Your biggest gains come from categories you already spend on:

⛽ Fuel

🛒 Groceries

✈️ Travel

No points to track. No hoops to jump through. Just real value back on what you're already buying.

What Are Phone Dollars, Exactly?

1 Phone Dollar = $1 NZD toward a new phone with One NZ.

Your Phone Dollar balance lives in your One Wallet inside the My One NZ app, ready to use when you upgrade. If you’re not currently a One NZ customer, you can also view your One Wallet at whatsinmywallet.one.nz. Plus, you can see your live balance in your dosh app.

You can put it toward:

1. Reducing the upfront cost of a new device

2. Lowering your monthly interest-free repayments

3. Offsetting expensive phone upgrades*

Think of it like a savings account for your next phone—funded automatically by your everyday life.  

A Real-World Example

Take James from Auckland:

He used his One NZ dosh card for everyday spending on fuel, groceries, and travel every month, plus combined his phone dollars earned from his spending with his current phone trade-in value.

Result: He covered the cost of his new phone in under 10 months—no extra effort, just smarter spending.

Why This Is Different?

Most rewards programs make you wait months (or years), jump through hoops, and redeem confusing points that never seem to add up to anything useful.

With Dosh + One NZ:

✅ 1 Phone Dollar = 1 Real dollar, not points

✅ Uncapped earning—no ceiling on rewards

✅ Automatically earned on everyday spend

✅ Free to join—no annual fees, no nasty interest

One NZ and dosh have stated an ambitious long-term goal: to help customers upgrade their phones without paying for them at all, simply by earning Phone Dollars through everyday spending.  

Bonus: Home Loan? Even Bigger Rewards

If you're buying or refinancing a home, dosh offers home loans with a significant perk: $1,700 in Phone Dollars when you settle a qualifying loan. That's on top of any cashback offers from dosh's lenders. Find out how here.

How to Get Started (Takes Minutes)

Download Dosh from the App Store or Google Play

Sign up in minutes

Order your free One NZ dosh card

Start spending—and start earning immediately

No fees. No catch.

The Bottom Line

If you're already spending money on fuel, groceries, and travel, you have two options:

Earn nothing, or

Turn that spend into your next phone

With dosh, it's a straightforward choice.

Get Started Now

Download dosh today and get:

🎁 $50 Phone Dollars on your first card spend

💰 1% uncapped back on eligible everyday purchases

Start turning everyday spending into your next phone.

See the full card reward T&C’s here.

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Dosh Home Loans are approved, issued and managed by Westpac New Zealand Limited and promoted by dosh. Lending and eligibility criteria and terms and conditions apply.  

Dosh home loan reward offer has a minimum loan size of $300,000, minimum 1 year fixed term, and eligibility criteria and T&Cs apply.  

The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet.

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