You can save 30%+ on public transport, with Extraordinary.

Your employer has made this benefit available to you, so you can make your public transport commute more affordable. With Extraordinary, you can pay for your public transport directly from your pre-tax income, meaning real savings on your daily commute and a little extra ease in your everyday life.
Help Centre

Pre-Tax Public Transport Savings Calculator

A smart way to see how this benefit could work for you is to try our public transport savings calculator. With IRD-approved, pre-tax public transport benefits through the Extraordinary Platform, you can put money straight back in your pocket.

Enter details

Annual salary (before-tax)
$
Public transport cost per week
$
Calculate

Potential savings

Monthly
Annually
Employee saves
$0.00
$0.00
Disclaimer:  This calculator provides an estimate of potential tax savings from salary sacrifice for public transport, based on 2025/26 income tax rates and a 3% employee KiwiSaver contribution. Actual savings may vary based on your income, KiwiSaver rate, and any other tax-related entitlements (e.g. Working for Families, student loans). Calculations are based on a Deloitte-prepared model and include the ACC Earners’ Levy. This tool is for guidance only and does not constitute financial or tax advice. Please consult a tax professional for personalised advice.

How the Public Transport solution works

Whether you use pre-tax salary reduction or direct subsidy, setup is simple:

1.
1.

Simple Sign up

Talk to your employer and request to receive a portion of your pre-tax income.
2.
2.

Get the Extraordinary App

You will then receive an email invitation to download the Extraordinary App from the Apple App Store or Google Play Store. The Extraordinary App lets you see your card details, your current balance and transaction history.
3.
3.

Automatic Pre-Tax Savings

Your employer automatically deducts the amount from your pre-tax income and sends it straight to your Extraordinary account, dedicated to public transport.
4.
4.

Start saving with Extraordinary

Using the Extraordinary debit card to top up your AT Hop, Snapper, or Bee Card, pay online via direct bank transfer with your Extraordinary card details, or pay directly using your digital card through Apple Pay or Google Pay.

We’ve made Public Transport Extraordinary

Save 30%+ on Your Commute

Pay for bus, train, and ferry travel using your pre-tax salary, giving you real savings every day.

Fully IRD-Approved

Backed by an official IRD ruling, so your savings are legitimate, compliant, and secure.

Automatic Payroll Deductions

Your fares are deducted automatically each pay cycle, making the benefit effortless to use.

Easy Top-Ups

With Your Extraordinary Card Top up AT HOP, Snapper, Bee Card, Metro and more using your Extraordinary card, fast and simple.

Manage Your Balance

When you leave your job, deductions stop. To keep your funds, transfer your public transport balance to your AT Hop, Snapper, or Bee Card before your last day.

Pre-Tax Benefit

With a pre-tax salary deduction, part of your income goes to public transport before tax, reducing your taxable income and saving you money every payday.

Frequently asked questions

What public transport cards are supported?

Currently, four cards are supported under the approved ruling: AT HOP (Auckland), Snapper (Wellington), Metrocard (Canterbury), Bee Card (regional NZ).


Is this available nationwide?

Yes. The Extraordinary Card works anywhere these cards are accepted. The “Public Transport” category in the Extraordinary platform ensures contributions are only redeemable for transit-related top-ups.

What if an employee leaves the company?

You control contribution limits and can stop top-ups at any time via the Extraordinary platform. Funds are employer-allocated and non-transferable for personal use.

Can we offer this to all employees or just some?

Yes. You can make the benefit available to all staff or just certain groups (e.g. office-based, regular commuters, or those returning on-site). In salary reduction scenarios, employees opt in voluntarily by agreeing to a temporary reduction in salary in exchange for employer-funded public transport contributions, as confirmed in the IRD Product Ruling.

How does the pre-tax salary sacrifice work?

Employees opt in to redirect part of their salary before tax to fund commuting costs. This lowers their taxable income, increasing take-home pay. Employers allocate the sacrificed amount to public transport, resulting in a valuable, tax-efficient benefit for both parties.

Visit our help centre