
2 Degrees Monthly Plans: Prices, Deals & How to Switch
Few things slow a phone-shopping evening down like a 2degrees plan page: prepay, pay-monthly, 14-day packs, and retailers quoting different prices for the same network. Right now, pay-monthly plans sit between $35 and $55 per month in Glimp’s comparison list, while official monthly prepay starts at $8, so the first choice is prepay flexibility versus a subsidised phone.
Pay-monthly price range (current listings): $35–$55 per month ·
Lowest advertised retailer plan: $35 p/m JB exclusive 2degrees Family Plan ·
Retailers with 2degrees plans in top results: JB Hi-Fi and Noel Leeming ·
Official prepay top-up domain: topup.2degrees.nz ·
Interest-free payment terms at Noel Leeming: 12, 24, or 36 months
Quick snapshot
- Prepay top-ups run through topup.2degrees.nz, and monthly prepay plans auto-renew with Carryover Data and free hotspotting (2degrees’ prepay page).
- JB Hi-Fi advertises a $35 p/m JB exclusive 2degrees Family Plan for new pay-monthly customers buying an iPhone 18 Pro or Pro Max (JB Hi-Fi’s mobile plans page).
- Noel Leeming offers interest-free payments over 12, 24, or 36 months on Data Sidekick, with minimum $49 upfront (Noel Leeming’s 2degrees page).
- Whether the query “25-month monthly plan” means a $25 monthly plan — related searches also pair it with “$19 Monthly Plan.”
- Current pay-monthly plan inclusions beyond the headline $35–$55 price band.
- 2degrees’ official pay-monthly cancellation fees and contract terms.
- Where the main pay-monthly account login lives; only the prepay top-up page is confirmed.
- At publication, top results mix a prepay top-up page, retailer pages, MoneyHub’s review, and a Glimp comparison — no official 2degrees plan grid.
- 2026 iPhone cycle: JB Hi-Fi ties the $35 p/m Family Plan to iPhone 18 Pro or Pro Max purchases.
- Current plan season: Glimp lists carryover-data pay-monthly plans at $35, $45, and $55 before discounts (Glimp’s 2degrees comparison).
- Monthly prepay renews on a calendar-month basis — 12 renewals a year, not 13 (Canstar’s plan summary).
- New eligible prepay customers can get 7.5GB of free Carryover Data on joining a non-endless-data plan, according to Canstar. (Canstar’s plan summary)
- Compare prepay vs pay-monthly and check retailer terms before you sign. (Canstar’s plan summary)
Eight prepay tiers, one pattern: the data jumps are small at the bottom and huge at the top, and only the $85 tier removes the data cap entirely. The rows below match Canstar’s plan breakdown and 2degrees’ own prepay list; the pay-monthly rows come from current retailer listings.
| Item | Value |
|---|---|
| Official prepay top-up page | topup.2degrees.nz (2degrees) |
| Monthly prepay price range | NZ$8 to NZ$85 (2degrees) |
| Cheapest monthly prepay | NZ$8 — 150MB data, 100 minutes, unlimited texts (Canstar) |
| NZ$25 monthly plan | 3GB data, 250 minutes, unlimited texts (Canstar) |
| NZ$35 monthly plan | 4.5GB data, 300 minutes, unlimited texts (Canstar) |
| NZ$45 monthly plan | 10GB data, unlimited calls and texts (Canstar) |
| NZ$60 monthly plan | 50GB data, unlimited calls and texts (Canstar) |
| NZ$85 monthly plan | Endless data with no maximum-speed cap, unlimited calls and texts (Canstar) |
| 14-day prepay plans | NZ$11, $19, $24, and $34 (Canstar) |
| Lowest advertised pay-monthly price | $35 p/m JB exclusive 2degrees Family Plan (JB Hi-Fi) |
| 4G requirement | Required on Pay Monthly Plan (Noel Leeming) |
| Interest-free payment terms | 12, 24, or 36 months on Data Sidekick, min $49 upfront (Noel Leeming) |
What plans do 2degrees have?
Two blocks, one network: 2degrees splits its consumer plans into Pay Monthly, which is contract-style, and Prepay, which is not, and then splits prepay again by renewal cycle. The first decision is which of those two blocks you belong to.
Pay Monthly plan types
- Pay Monthly is the contract option, sold by 2degrees and also through retailers such as JB Hi-Fi and Noel Leeming.
- Current retailer and comparison listings show carryover-data pay-monthly plans at $35, $45, and $55 per month before discounts.
- JB Hi-Fi’s exclusive Family Plan sits at the $35 entry point for new pay-monthly customers buying an iPhone 18 Pro or Pro Max.
- Noel Leeming requires 4G coverage on Pay Monthly and can bundle a Data Sidekick on interest-free terms.
Pay Monthly is where the phone subsidy lives. The headline price is not just for the SIM: retailer bundles add handsets, so the same $35 plan can be a different deal at JB Hi-Fi than it is through a direct 2degrees sale.
Prepay plan types
- No contract and no credit check — you top up, then the plan amount is drawn from your balance.
- Eight monthly prepay plans run from $8 to $85, and four 14-day plans run from $11 to $34.
- Monthly prepay renews every calendar month: 12 renewals a year, not 13.
The 14-day price is the trap. A $19 fortnightly plan renews about 26 times a year — roughly $494 — while the $25 monthly plan costs $300. Same family, very different annual bill.
Typical inclusions: data, minutes, and carryover
- Every monthly and 14-day prepay tier in current summaries includes unlimited texts to New Zealand and Australia, per Canstar.
- MoneyHub’s 2degrees review covers both monthly and fortnightly plans, with minutes to New Zealand and Australia.
- Monthly prepay plans include Carryover Data and free hotspotting; the daily free data hour is included on every monthly tier except the $8 plan.
- New eligible customers can get 7.5GB of free Carryover Data when they join a non-endless-data plan, per Canstar.
The inclusion that does the most work is Carryover Data. Light users who almost never finish a 3GB month end up with a growing buffer, which makes the $25 tier feel closer to 4–5GB in practice.
Prepay gives you freedom; Pay Monthly gives you hardware. At $35 per month, a pay-monthly plan carries a phone subsidy, while a $35 prepay tier is a SIM with 4.5GB of data and no handset involved.
What this means: 2degrees’ plan menu is wider than the retailers suggest, and the cheapest useful entry point is the $25 prepay tier rather than anything labelled pay monthly.
The pattern: the annual cost follows the renewal cycle, not the sticker price.
What network does 2degrees use?
Same network, different strings attached: 2degrees runs its own New Zealand mobile network, and its prepay service is confirmed on a separate top-up domain. The question that changes your choice is not which network — it is which plan type sits on top of it.
2degrees network basics
- 2degrees is a New Zealand mobile network operator (MoneyHub’s 2degrees review).
- The official prepay top-up page sits at topup.2degrees.nz, separate from the main 2degrees site.
- Prepay plans draw from your topped-up balance, so there is no credit check and no end-of-month bill.
Most of what readers search for — prices, inclusions, cancellation — is plan-layer detail. The network layer is settled: the official prepay page is the authoritative top-up route, and the plan layer is where prices diverge.
4G coverage requirement for Pay Monthly
- Noel Leeming’s 2degrees page states that 4G coverage is required on a Pay Monthly Plan.
- Since prepay runs on the same network, coverage at your address matters just as much — the difference is that prepay leaves you free to switch.
A pay-monthly plan is a contract. Check 4G coverage at home, work, and anywhere you travel weekly before you sign.
Why this matters: network quality is the same across every 2degrees plan; the contract is the real difference. Answer the coverage question before quoting the price.
What is the price of the 2degrees 25-month monthly plan?
Search results ask about a “25-month monthly plan,” and the answer is a garbled phrase meeting a real price point. There is no 25-month contract; what people are probably looking for is the $25 monthly prepay plan.
What the “25-month” wording means
- No 2degrees plan called “25-month monthly plan” appears in current listings.
- “25-month” is search phrasing for the $25 monthly prepay plan.
- The $25 monthly and $19 14-day tiers are both real: the $25 plan includes 3GB, 250 minutes, and unlimited texts, while the $19 14-day plan includes 4GB and 150 minutes (Canstar’s 2degrees plan guide).
The dollar amount is the dominant signal in search, so a plan named by its price gets grouped with a question about a term length. The confusion has a cost: the $19 14-day plan looks cheaper than the $25 monthly plan but renews every fortnight.
$25 and $19 monthly plan search patterns
- Searches for “2 degrees $25 monthly plan” map cleanly to the $25 monthly prepay tier.
- Searches for “2 degrees $19 monthly plan” map to the $19 14-day prepay plan.
- The two plans answer the same question in opposite ways: one needs 12 renewals a year, the other about 26.
Annualise the 14-day plan before calling it cheap. $19 × 26 is about $494 a year, compared with $25 × 12, which is $300. The “smaller” number is nearly $200 a year more expensive.
Advertised 2degrees pay-monthly prices
- Glimp’s current 2degrees listing shows carryover-data pay-monthly plans at $35, $45, and $55 before discounts.
- JB Hi-Fi’s exclusive Family Plan sits at the $35 entry point, paired with an iPhone 18 Pro or Pro Max.
- Noel Leeming sells the same Pay Monthly family with a Data Sidekick add-on on interest-free terms.
The $35–$55 band is the working definition of 2degrees pay-monthly right now. The $35 number appears at both Glimp and JB Hi-Fi, but the JB deal includes a phone, which is why the “same” price is not the same deal.
The implication: there is no 25-month plan, but there is a $25 monthly plan, and mixing up the two has a real cost — the 14-day $19 plan costs roughly $194 more per year than the $25 monthly tier.
The pattern: the $25 monthly and $19 14-day plans answer different renewal calendars, and the annual cost is what separates them.
What are the current deals on mobile plans?
The current deals cluster on one question: do you want a SIM or a phone? The retailer deals below attach handsets to pay-monthly plans, while prepay prices stay handset-free.
What is the cheapest but good phone plan?
- The $25 monthly prepay plan is the usual value pick in current summaries: 3GB, 250 minutes, and unlimited texts.
- The $35 pay-monthly Family Plan is the cheapest advertised 2degrees contract in retailer listings (JB Hi-Fi).
- Both drop to second-best if the phone itself is the goal; the handset bundle changes the math.
Cheap means something different to a heavy texter than to a data-first user. For most single-line users, 3GB with carryover is enough; for families or streamers, the $45 or $60 prepay tiers are the practical upgrade path.
What is the cheapest Mobile package?
- The cheapest 2degrees prepay package is $8 per month: 150MB, 100 minutes, and unlimited texts.
- The cheapest 14-day package is $11, with 1.25GB of data and 100 minutes on top of unlimited texts.
- The $8 plan is the only monthly tier without the daily free data hour.
If you use any data at all, the $8 plan is a safety net, not a daily driver. The $11 14-day plan gives more data for a short window, and the $25 monthly plan is the minimum for regular use.
What are some good monthly phone deals available?
- JB Hi-Fi: $35 p/m 2degrees Family Plan for new pay-monthly customers buying an iPhone 18 Pro or Pro Max.
- Noel Leeming: Data Sidekick on interest-free 12, 24, or 36 months, with $49 minimum upfront.
- 2degrees prepay: monthly tiers from $8 to $85 with Carryover Data and hotspotting included.
These three are not competing products; they are different payment structures for the same network. The useful comparison is the total you pay over a year, not the monthly sticker.
Who has the best phone deals at the moment?
- JB Hi-Fi’s mobile plans page leads on the handset: the $35 p/m plan is exclusive to new pay-monthly customers and tied to the iPhone 18 Pro or Pro Max.
- Noel Leeming leads on payment spread: 12, 24, or 36 months interest-free lowers the upfront cost to $49.
- Glimp’s listing shows the 2degrees price band before retailer discounts, which is the neutral reference point.
Retailer “best deal” claims depend on whether you value the handset subsidy or the monthly outlay. If you want an iPhone 18 Pro, JB Hi-Fi’s bundle is the current winner; if you want the lowest monthly cash flow, Noel Leeming’s 36-month spread wins.
How much should I pay per month for a phone?
- For 2degrees light users, the $25 prepay tier keeps the bill at $25.
- For pay-monthly with a phone, the realistic entry point in current listings is $35 per month.
- Mid-tier pay-monthly plans at $45 and $55 add data and handset headroom before discounts (Glimp).
- Expect a minimum upfront payment on retailer bundles — Noel Leeming’s terms require $49 upfront even on interest-free plans.
The honest range for a 2degrees monthly plan in current listings is $25 to $55, depending on whether a phone is attached. Below $25 there is only the $8 safety-net tier, and that is not a phone-plan replacement for most people.
Where can I buy a phone and pay monthly?
- The two retailers surfacing in current 2degrees pay-monthly results are JB Hi-Fi and Noel Leeming.
- Both sell 2degrees plans with handsets; Noel Leeming’s interest-free window runs up to 36 months.
- 2degrees’ own site handles prepay top-ups and plan changes, but a direct pay-monthly checkout did not appear in the top five search results.
If the plan comes from a retailer, the retailer is your first point of contact for the phone, the payment schedule, and returns. 2degrees remains the network operator, but the store’s terms sit between you and the network.
The $25 monthly prepay is the cheapest useful 2degrees plan for light-to-moderate users. The $35 p/m Family Plan is a handset deal, not a SIM deal, so shop it only if you are buying the iPhone too.
The trade-off: the cheapest good plan for most people is the $25 monthly prepay, and the $35 retailer plan only makes sense when the bundled iPhone is the point. Decide which one you are actually buying, and the deal picks itself.
The implication: the $35 retailer plan only makes sense when the handset is part of the purchase.
Can I cancel my 2 degrees contract?
Contract plans and prepay plans cancel differently. One takes a text, the other takes a conversation and possibly a fee.
Pay Monthly cancellation steps
- Check where the plan was bought: 2degrees directly, JB Hi-Fi, or Noel Leeming.
- Read the retailer’s contract for a minimum term and any early-exit conditions.
- Contact 2degrees or the retailer to confirm the exit fee and notice period before making the call.
- Cancel any direct debit or payment authority only after the cancellation is confirmed.
The top five search results do not publish 2degrees’ official pay-monthly cancellation fees or contract terms, so the correct move is to confirm them in writing before you cancel. Retailer-sold plans are also covered by the store’s terms.
Prepay plan and add-on cancellation
- Plans and add-ons on hold stay attached until the next top-up, and topped-up money goes toward them.
- To cancel a held plan or add-on, text STOP plus the plan or add-on name (2degrees’ prepay page).
That text is the whole cancellation process for prepay. There is no phone queue and no exit fee, which is why prepay is the low-risk way to try 2degrees before committing to a contract.
Where to confirm retailer terms
- JB Hi-Fi and Noel Leeming both sell 2degrees pay-monthly plans, so their terms apply to the handset part of the deal.
- Check the order confirmation from the store for cooling-off, return, and early-termination rules.
- If the plan came directly from 2degrees, contact 2degrees to request the contract terms and cancellation fee in writing.
Neither retailer’s full terms were shown in the top search results, so treat the order confirmation as the governing document.
The pattern: prepay is the easy exit, pay-monthly is the locked door. Text STOP for prepay; call and confirm for pay-monthly.
The pattern: prepay exits by text, pay-monthly exits by contract — know which one you hold before cancelling.
How do I log in to my 2degrees pay online account?
The short answer: the confirmed login-and-top-up URL is topup.2degrees.nz, and it serves prepay customers. The longer answer is that the pay-monthly billing login is not what search results are currently showing.
Accessing the 2degrees online account
- The confirmed official prepay top-up page is topup.2degrees.nz, linked in the Quick snapshot above.
- No direct pay-monthly billing login URL appears among the top five results.
- If you have a pay-monthly account, start at 2degrees.nz and look for the account or login area rather than the prepay top-up page.
Prepay and pay-monthly are separate customer journeys on 2degrees’ site. The top-up page handles credit, not billing, which is why “2degrees pay online” searches tend to land on the prepay URL.
Prepay top-up and held plans
- Topped-up money goes toward plans and add-ons on hold.
- If you top up and do not want it applied to a held plan, text STOP and the plan or add-on name to cancel it.
- With sufficient credit, the plan auto-renews each calendar month.
The practical tip: top up before your renewal date if you want continuity, and text STOP before the renewal if you do not. The balance stays on the account either way.
What this means: the prepay account path is confirmed and simple; the pay-monthly portal is not. If your plan came from a retailer, check the retailer’s account section first, then 2degrees’ own site.
Three buying routes, one pattern: prepay is the cheapest per year, pay-monthly spreads the handset cost, and 14-day plans only look cheap before you annualise them.
2degrees monthly plans compared
| Option | Entry price | What you get | Best for |
|---|---|---|---|
| Prepay monthly | $8–$85 | Auto-renew, Carryover Data, hotspotting, no contract | Budget users who want exits |
| Prepay 14-day | $11–$34 | Shorter bundles; $19 tier = 4GB, 150 mins | Fortnightly cash-flow, not annual savings |
| Pay Monthly (retailer) | $35–$55 | Contract with handset bundle potential | iPhone buyers and spread payments |
The $19 14-day plan is the one to model twice: at 26 renewals a year it costs more than the $25 monthly plan. Use the cycle, not the sticker, when comparing.
For most readers this comparison collapses to two choices: $25 prepay or $35 pay-monthly.
Nine prepay tiers, one pattern: data scales with price until the $85 tier removes the cap entirely. The specs below follow Canstar’s plan summary and 2degrees’ published prepay tiers.
2degrees plan specifications
| Plan tier | Price | Data | Minutes | Texts |
|---|---|---|---|---|
| $8 monthly | NZ$8 | 150MB | 100 | Unlimited NZ/AU |
| $15 monthly | NZ$15 | 1GB | 100 | Unlimited NZ/AU |
| $20 monthly | NZ$20 | 2GB | 200 | Unlimited NZ/AU |
| $25 monthly | NZ$25 | 3GB | 250 | Unlimited NZ/AU |
| $35 monthly | NZ$35 | 4.5GB | 300 | Unlimited NZ/AU |
| $45 monthly | NZ$45 | 10GB | Unlimited | Unlimited NZ/AU |
| $60 monthly | NZ$60 | 50GB | Unlimited | Unlimited NZ/AU |
| $85 monthly | NZ$85 | Endless, no speed cap | Unlimited | Unlimited NZ/AU |
| $11 14-day | NZ$11 | 1.25GB | 100 | Unlimited NZ/AU |
| $19 14-day | NZ$19 | 4GB | 150 | Unlimited NZ/AU |
| $24 14-day | NZ$24 | 7GB | Unlimited | Unlimited NZ/AU |
| Daily free data hour | — | Included on monthly prepay plans except the $8 tier | ||
Two specs matter more than the rest: only the $85 tier removes the data cap, and only the $8 tier loses the daily free data hour. Everything else is a straight data-and-minutes ladder.
Upsides
- Monthly prepay renews 12 times a year, not 13, which cuts the annual cost versus a 28-day cycle.
- Carryover Data and free hotspotting are baked into monthly prepay.
- No contract on prepay — exit at any time by texting STOP.
- Retailer promos put the iPhone 18 Pro on a $35 p/m Family Plan.
Downsides
- Pay Monthly needs 4G coverage and comes with contract terms.
- 14-day plans cost more per year than monthly plans at similar prices.
- Official cancellation fees and pay-monthly login details are not easy to find in search results.
- Retailer bundles mean you owe the store, not just 2degrees, which can complicate cancellation.
How to choose and switch 2degrees plans
- Calculate your real usage: roughly how many GB and minutes you use per month.
- Decide prepay vs pay-monthly: prepay for flexibility, pay-monthly for a phone subsidy.
- Compare the $25, $35, and $45 prepay tiers against the $35–$55 pay-monthly price band.
- Check 4G coverage at home and work if you are leaning pay-monthly.
- If buying a phone, compare JB Hi-Fi’s Family Plan bundle with Noel Leeming’s interest-free Data Sidekick terms.
- Read the retailer’s cancellation and return terms before you sign.
If you are already on prepay and a plan is on hold, text STOP with the plan name instead of waiting for auto-renewal.
Timeline signal
- At publication: top results mix an official prepay top-up page, retailer pages, MoneyHub’s review, and a Glimp comparison — no official 2degrees plan grid.
- 2026 iPhone model cycle: JB Hi-Fi ties the $35 p/m Family Plan to iPhone 18 Pro or Pro Max purchases.
- Current plan season: Glimp lists carryover-data pay-monthly plans at $35, $45, and $55 before discounts.
Confirmed facts
- 2degrees prepay top-ups are handled at topup.2degrees.nz (2degrees’ prepay page).
- Topped-up money goes toward plans and add-ons on hold; texting STOP with the plan or add-on name cancels a held item (2degrees’ prepay page).
- JB Hi-Fi advertises a $35 p/m JB exclusive 2degrees Family Plan for new pay-monthly customers buying an iPhone 18 Pro or Pro Max (JB Hi-Fi).
- Noel Leeming offers interest-free payment over 12, 24, or 36 months on Data Sidekick, with minimum $49 upfront (Noel Leeming).
- Glimp lists 2degrees carryover-data pay-monthly plans at $35, $45, and $55 before discounts (Glimp).
- Monthly prepay plans auto-renew, include Carryover Data, and allow hotspotting at no extra charge (2degrees’ prepay page).
What’s unclear
- Whether the PAA phrase “25-month monthly plan” refers to a $25 monthly plan; related searches show “$25 Monthly Plan” and “$19 Monthly Plan.”
- Current plan inclusions beyond the data prices shown in the top SERP.
- 2degrees’ official pay-monthly cancellation fees and contract terms.
- How to log in to the main 2degrees pay-monthly account outside the prepay top-up page.
- The inclusions of the $34 14-day prepay tier, which the published price list confirms but current summaries do not detail.
- Which retailer terms apply to early cancellation of a phone bundle bought from JB Hi-Fi or Noel Leeming.
What the sources say
The JB exclusive 2degrees Family Plan is available to new pay-monthly customers who buy an iPhone 18 Pro or Pro Max at $35 per month.
JB Hi-Fi’s mobile plans page
Topped-up money goes toward plans and add-ons on hold; to cancel a held plan or add-on, text STOP and the plan or add-on name.
2degrees Prepay Top Up page
Pay Monthly requires 4G coverage, and Data Sidekick can be spread over 12, 24, or 36 months with a minimum $49 upfront.
Noel Leeming’s 2degrees page
Current comparison listings show 2degrees carryover-data pay-monthly plans starting at $35.
Glimp’s 2degrees comparison page
Read those four together and the deal structure is clear: retailers decide the phone terms, 2degrees decides the network rules, and comparison sites reset the price reality.
Summary
Prepay customers renew 12 times a year; pay-monthly customers renew on a contract. That one mechanic decides which 2degrees plan is cheapest for you.
Read the monthly cost the way the billing cycle works. For prepay customers, a calendar-month plan renews 12 times a year, so $25 a month is $300 a year, while the $19 14-day plan quietly costs about $494. For anyone in New Zealand deciding between prepay and pay-monthly, the choice comes down to one question: do you want the network or the new iPhone? If it is the network, take the $25 prepay plan and keep your exit open; if it is the phone, the $35 JB Hi-Fi Family Plan is the deal to confirm with your store before signing.
2degrees.nz, 2degrees.nz, canstar.co.nz, canstar.co.nz, canstar.co.nz, canstar.co.nz
Frequently asked questions
Does 2degrees offer prepay plans?
Yes. 2degrees sells eight monthly prepay plans from NZ$8 to NZ$85, plus four 14-day prepay plans at NZ$11, $19, $24, and $34. Top-ups happen at topup.2degrees.nz, and monthly plans auto-renew when your balance covers the price.
Do 2degrees plans include minutes to Australia?
Yes. The prepay tiers listed in current summaries include minutes and unlimited texts to both New Zealand and Australia, and MoneyHub’s review of the wider 2degrees range notes the same.
Does 2degrees have a plan with unlimited data?
Yes. The NZ$85 monthly prepay plan includes endless data with no maximum-speed cap, plus unlimited calls and texts to New Zealand and Australia.
Are there special 2degrees monthly plans for seniors?
No senior-specific 2degrees plan appears in current search results or plan summaries. The standard prepay tiers start at NZ$8, so the practical low-cost option is already on the normal price list.
What does “Carryover Data” mean on a 2degrees pay-monthly plan?
Carryover Data lets unused data roll into the next month. Monthly prepay plans include it, and eligible new customers can receive 7.5GB of free Carryover Data when joining a non-endless-data plan.
What is a Data Sidekick?
A Data Sidekick is a data add-on sold with 2degrees Pay Monthly at Noel Leeming. It can be paid interest-free over 12, 24, or 36 months with a minimum $49 upfront.
Related reading
- Cheapest Unlimited Broadband NZ 2025: Compare Plans Under $80 — broadband is the other half of the household connectivity bill.
- How does KiwiSaver work? Contributions, withdrawals, funds — the money saved on a cheaper mobile plan can do more work inside a KiwiSaver contribution.