He Whakatairite i ngā Utu Pūtea Hune Marena me ngā Rārangi Koha Moni (2026)
Donairo5 meneti te pānui
Ka huri ngā whārangi utu, kāore he pānui. I pānuitia ia tatauranga i konei mai i te whārangi ake a te kamupene i te 2026-09-16, ā, i whakahuatia i te āhua i whakaputaina ai i taua rā. Tirohia te whārangi utu o nāianei a ia kaiwhakarato i mua i tō whakatau.
Te whakautu poto: ko te "kore utu" me te "0%" i ēnei whārangi, mō te utu ake, mō te utu whakatū rānei a ia pae, ehara mō te utu kāri. Ka whakaputaina motuhaketia ngā utu kāri. He rerekē te tangata nāna e utu te utu kāri: ko te manuhiri i te wāhi utu, ko te tokorua i te tango moni, ko tētahi rānei o rāua, mā te tokorua e kōwhiri. E rima o ngā mea e waru i konei ka whakaputa i tētahi kōwhiringa kore utu; kāore a Donairo. E rua ngā tatauranga hira — te moni ka utua e te manuhiri, me te moni ka riro i te tokorua.
Te koha kāri $100, taha ki te taha
Ka tuku tētahi manuhiri US i te $100 mā te kāri nama. Ki ngā wāhi ka tukua e te kaiwhakarato te tokorua kia kōwhiri ko wai hei utu, ka kī te pouaka ko tēhea tautuhinga e whakaarohia ana e te tatauranga.
| Ratonga | Ko wai hei utu | Ngā kupu utu kua whakaputaina (kupu mō te kupu) | Te utu a te kaituku | Te moni ka riro i te tokorua | I tirohia |
|---|---|---|---|---|---|
| Honeyfund | Te tokorua, i te tango moni | "Kāore mātou e tango i tētahi wāhanga o tā ō manuhiri e tuku ai."; te utu whakahoki "0%" (kāri koha / kāri utu-mua), "2.2%" (PayPal, Venmo), "3.5% + $0.59" (pēke) | $100.00 (+ te koha kōwhiringa "Honeyfund Gives") | $100.00, $97.80, $95.91 rānei i runga i te huarahi tango moni | 2026-09-16 |
| Zola | Te kaituku, mā te taunoa | "he 2.5% noa iho tā mātou"; "Ko te kōwhiringa taunoa, mā ngā manuhiri e hipoki te utu" | $102.50 mā te kāri; $100.00 mā te toenga Venmo, te kāri tango moni, te pēke rānei | $100.00 | 2026-09-16 |
| The Knot (Pūtea Moni) | Te kaituku (kāri) | "Ka utua te utu tukatuka paerewa 2.5%… e ngā manuhiri i te wāhi utu"; ko ngā koha Venmo mai i tētahi "toenga Venmo, pūkete pēke hono, kāri tango moni hono rānei", kāore he utu | $102.50 mā te kāri; $100.00 mā te toenga Venmo, te pēke, te kāri tango moni rānei | $100.00 | 2026-09-16 |
| Joy (WithJoy) | Te kaituku (kāri) | "Ka riro tēnei utu ki a Stripe, kaua ki a Joy, ā, ka utua e te manuhiri" (he tauira i te 3.5%) | ≈$103.50 mā te kāri; $100.00 mā Venmo, mā PayPal, mā Cash App rānei | $100.00 ki roto i te pūtea; ka mau ngā whakawhiti pēke i tētahi "utu pūmau $1.70 mō ia whakawhitinga", ahakoa te rahi o te moni | 2026-09-16 |
| MyRegistry | Ngā taha e rua | "He 2.5% te utu PayPal® mō ia tauwhitinga"; te utu whakahaere "Tae atu ki te $100: $3.95" | $103.95 | ≈$97.50 | 2026-09-16 |
| PayPal Pools | Te kaituku (kāri anake) | "kāore he utu mō te koha ina whakamahia e koe tō toenga PayPal, tō pūkete pēke rānei… mai i roto i te US"; "Ka pā ngā utu ki ngā tauwhitinga kāri nama me te kāri tango moni" — ka rārangi te ripanga utu kaihoko a PayPal i te "2.90% + utu pūmau" ($0.30 USD) mō ngā utu whaiaro ā-whenua ka utua ki te kāri | ≈$103.20 mā te kāri i taua pāpātanga; $100.00 mai i te toenga/pēke | $100.00 | 2026-09-16 |
| GoFundMe | Te tokorua | "Kotahi te utu tauwhitinga: 2.9% + $0.30"; "Ka tangohia aunoatia mai i ia koha…" (te pāpātanga mō te tangata takitahi i te US) | $100.00 (+ he koha kōwhiringa) | $96.80 | 2026-09-16 |
| Donairo | Te tokorua, mēnā kāore te kaituku e hipoki | He utu pae 1% + te pāpātanga ā-whenua a PayPal; US "3.49%" + "$0.49"; he mea tāpiri te utu whakawhiti-rohe a PayPal, ā, ka tangohia mai i te utu ka riro i te tokorua | $100.00 (≈$105.22 ki te hipoki i ngā utu) | $95.02 ($100.00 ki te hipokina) | 2026-09-16 |
He kupu mō ia mea
Honeyfund. Kāore ngā manuhiri e utu i tētahi utu Honeyfund; ka utu te tokorua i te wā tango moni, i te pāpātanga kei te ripanga. Ka rārangi anō tāna whārangi utu i tētahi "utu tiaki pūkete $10 ia marama" mō tētahi Wallet "kua noho pāhengahenga mō te roa atu i te 18 marama tōpū". Ka kīia e tāna whārangi me-pēhea-te-mahi ngā kāri koha me te kāri utu-mua he "tino kore utu rawa". Mā te kaituku o te kāri ōna ake ture e whakatau: he "Utu tauwhitinga ā-tāwāhi: 2%", he "Utu pāhengahenga: $5.95 ia marama i muri i te 6 marama kore whakamahi", me te "Kāore he urunga moni tūturu" (pokapū āwhina Honeyfund).
Zola. Ko te rerenga "0% ngā utu" a Zola, mō te wāhanga ake a Zola. Ka whakaputaina motuhaketia e ia te utu kāri 2.5%. Kei reira anō tētahi huarahi kore utu: he koha Venmo "mā tō rātou toenga Venmo, kāri tango moni, pēke rānei". Mō ngā utu ka riro, me whai "pūkete haki o Amerika me tētahi wāhitau o Amerika", ā, ko te whakawhitinga tuatahi "ka tae pea ki te 10 rā pakihi" (pokapū āwhina Zola).
The Knot. Ka utaina e tāna pokapū āwhina te "utu tukatuka paerewa 2.5%" ki te manuhiri i te wāhi utu. E kī ana ia ka "whiwhi ngā tokorua i te 100% o te moni koha mārena". Kāore e taea e ngā tokorua te kawe i taua utu: "me utu e te manuhiri" te utu. Ko ngā koha Venmo i tukuna mai i tētahi toenga, pēke, kāri tango moni rānei, kāore he utu.
Joy. E kī ana tāna whārangi pūtea moni, "Kāore he utu a Joy mō ngā koha moni. Kāore mātou e tango i te hēneti kotahi". Ka utaina e tāna tuhinga āwhina te utu kāri ki te manuhiri, i tētahi pāpātanga "ka taea te huri". E kī ana te whārangi a Joy, ko ngā koha mā Venmo, mā PayPal, mā Cash App hoki, "kāore he utu".
MyRegistry. Ka tau ngā utu ki ngā taha e rua: he utu PayPal ka "tangohia mai i te moni i koha mai", me te "utu whakahaere iti kāore e whakahokia" a MyRegistry ka tāpirihia i te wāhi utu.
PayPal Pools. Ka tau ngā kāri ki raro i te ripanga utu kaihoko a PayPal. E kī ana te whārangi US, "Kāore he utu ki te waihanga i tētahi pool".
GoFundMe. He mārama tāna utu: "Kāore he utu ki te waihanga kohi pūtea: $0.00", kātahi kotahi te utu tauwhitinga mō ia koha. E kī ana taua whārangi anō, ko te tono koha ki te kaituku, "kāore rawa e whakaritea". Kei a ia anō hoki tētahi whārangi kohi pūtea mārena.
Me pēhea te pānui i tētahi whārangi utu
- He ōrau, he pūmau rānei? Ko te utu whakahaere pūmau $4, he 8% o te koha $50, he 0.8% o te koha $500; ka piki haere ngā utu whakahaere ā-taumata me te koha.
- He utu tuarua i te putanga? Ka whakaputa ētahi ratonga i tētahi utu whakahoki, utu tango, utu whakawhiti rānei ki tahaki — pānuitia te whārangi tango moni me te whārangi utu anō hoki.
- Ko tēhea huarahi? Kāore ia ratonga e tuku i ia huarahi — tirohia ko tēhea o te pēke, o te toenga, o Venmo, o te kāri rānei ka whakaaturia e te wāhi utu.
Mēnā kei te UK koe
Ehara ēnei katoa i te hua UK. Tirohia i te tuatahi ngā whenua e tautokona ana e ia kaiwhakarato. Ka whakaputa a PayPal i tētahi whārangi Money Pools UK motuhake e kī ana, "Kore utu ki te whakatū. Kore utu ki te whakawhiti ki tō toenga PayPal. Ā, kāore he utu mō te koha mā te GBP i roto i te UK".
Ka tautoko a Donairo i ngā tokorua o GB i te 1% me te pāpātanga GB a PayPal, arā te 2.90% + £0.30. I runga i tētahi koha £100: £1.00 te utu pae, £3.20 te tukatuka, £95.80 ka riro.
Ko hea a Donairo e tika ai — ko hea e kore ai
Ehara a Donairo i te mea kore utu. Ko tōna utu, he utu pae pūmau 1% me te pāpātanga a PayPal mō tō whenua. I te US, ko te 3.49% + $0.49 tērā. Kāore he utu ā-marama, kāore he ohaurunga. I runga i tētahi koha kāri $100: $1.00 te utu pae, $3.98 te tukatuka, $95.02 ki te tokorua. Ki te whakahohea te hipoki utu, ka utu te manuhiri i te tata ki te $105.22. Kātahi ka riro i te tokorua te $100.00.
Ka hoatu anō e Zola, e The Knot, e Joy tētahi paetukutuku mārena, te aroturuki RSVP, te rārangi manuhiri me tētahi rārangi koha o ngā taonga tūturu. Ehara rawa a Donairo i ērā, ā, kāore ōna huarahi kore utu: ka whakaputa a Honeyfund, a Zola, a The Knot, a Joy me PayPal Pools i tētahi kōwhiringa kore utu. Kotahi noa te whārangi koha tūmatanui ki tō ake URL. Ka mau i a ia he waehere QR me tētahi whāinga ora. Ka tika tonu te moni ki te PayPal ake a te tokorua. Kāore rawa a Donairo e pupuri i te moni. Kāore he rīhīti tāke.
Ngā Pātai Auau
Ka tango a Zola i tētahi ōrau o te pūtea hune marena?
Kāore — ka pānui te whārangi a Zola i te "0% ngā utu"; ko te utu kāri, he "2.5% noa iho", ā, "Ko te kōwhiringa taunoa… mā ngā manuhiri e hipoki te utu". Ka karo ngā koha Venmo mai i tētahi toenga, kāri tango moni, pēke rānei i taua utu (i tirohia 2026-09-16).
Ka pā ēnei utu ki te tāke?
I te US, i te nuinga o te wā ehara ngā koha mārena i te moni whiwhi mā te kaiwhiwhi i raro i te 26 U.S.C. §102, engari he rerekē ngā ture i ia whenua, i ia āhuatanga. Pātai ki tētahi ngaio mō tāu.
Ngā puna kōrero
- Honeyfund fees page (redemption percentages, guest-fee wording, maintenance fee; checked 2026-09-16)
- Honeyfund how it works (fee-free redemption wording; checked 2026-09-16)
- Honeyfund help centre, "Is there a fee to use the Mastercard?" (2% foreign transaction fee; $5.95/month inactivity fee after 6 months; no cash access; checked 2026-09-16)
- Zola wedding registry ("0% fees" claim; checked 2026-09-16)
- Zola, how cash gifts work ("ours is just 2.5%"; checked 2026-09-16)
- Zola help centre, who covers the 2.5% fee (default is the guest; checked 2026-09-16)
- Zola help centre, zero-fee cash funds (Venmo rail; checked 2026-09-16)
- Zola help centre, transferring cash funds to a bank account (US checking account required; first transfer up to 10 business days; checked 2026-09-16)
- The Knot help centre, "Why is there a credit card fee?" (2.5% processing fee paid by guests at checkout; checked 2026-09-16)
- The Knot help centre, "Is the Cash Fund really free to create and use?" (couples receive 100% of the gift amount; checked 2026-09-16)
- The Knot help centre, "Can I pay the transaction fee on Cash Fund gifts so my guests don't have to?" (fee must be paid by the guest; Venmo balance, bank or debit card gifts carry no fee; checked 2026-09-16)
- Joy cash fund registry ("zero fees on cash gifts"; checked 2026-09-16)
- Joy help centre, credit card contributions (Stripe fee paid by the guest, $1.70 transfer fee; checked 2026-09-16)
- MyRegistry cash gift funds (2.5% PayPal fee and handling-fee tiers; checked 2026-09-16)
- PayPal Pools, US (free to create, free from balance or bank within the US; checked 2026-09-16)
- PayPal Pools, UK (UK page wording on fees; checked 2026-09-16)
- PayPal consumer fees, US (cards: 2.90% + fixed fee; checked 2026-09-16)
- GoFundMe pricing (2.9% + $0.30 transaction fee, no fee to create; checked 2026-09-16)
- GoFundMe wedding fundraising landing page (checked 2026-09-16)
- 26 U.S.C. §102, gifts excluded from gross income (checked 2026-09-16)
Kāore a Donairo e hono ana ki tētahi kamupene kua whakaingoatia i konei, kāore hoki e tautokona, e tāpuitia rānei e rātou. Nō ō rātou rangatira ngā ingoa me ngā tohu hokohoko katoa. Ko ngā tatauranga, ko ngā ture ake i whakaputaina e aua kamupene i te 16 o Hepetema 2026.
He mōhiohio whānui anake — ehara tēnei i te tohutohu ture, i te tohutohu tāke rānei. He rerekē ngā ture i ia whenua, ka huri hoki; whakaūngia, ā, kōrero ki tētahi ngaio.
