What’s the Difference Between a Chartered Accountant and an Accountant – and Who Should You Choose?
If you’ve ever wondered about the difference between a chartered accountant and an accountant in New Zealand, you’re not alone. It can feel like a confusing title game, but the reality is much simpler once you break it down.
A Chartered Accountant (CA) is a member of Chartered Accountants Australia and New Zealand (CAANZ). To get that title, they’ve completed a specific degree, passed the CA program, and built up supervised experience in the profession. The focus is very much on technical training, governance and compliance.
An Accountant doesn’t have to follow that exact pathway. The word itself isn’t a protected title, so the background and approach can vary. For many business owners, this actually works in their favour, because it opens the door to accountants who work differently – and often more closely – with their clients.
Why Choose Me Instead of a Chartered Accountant?
1. Practical, real-world advice
Keeping your tax and compliance up to date is important, but most business owners need more than that. My focus is on giving you practical advice that actually helps you make decisions, manage cashflow and plan ahead. I look at the numbers with you and explain what they mean for your business, not just for the IRD.
2. Personal connection
When you work with me, you don’t get passed around different team members. I know your business, your challenges and your goals, and I make sure you always have someone you can call who genuinely understands your situation.
3. Tailored support for small business
Chartered accountants often spend a lot of time with larger corporates. My work is built around small and owner-managed businesses here in New Zealand. I understand the realities of running a business – the ups and downs, the juggling of staff, cashflow, ACC, GST and everything else that comes with it.
4. Flexibility in how I work
I’m not tied to a rigid set of rules or a one-size-fits-all model. I can shape the services around what you actually need – whether that’s accountability coaching, hands-on support, or more regular reporting.
5. Professional recognition through ATAINZ
While I’m not a chartered accountant, I am a proud member of the Accountants and Tax Agents Institute of New Zealand (ATAINZ). Membership requires professional standards, ongoing training, and a commitment to ethical practice. This gives you the reassurance that you’re working with someone who is recognised, experienced and accountable – without losing the flexibility and personal connection of a smaller practice.
6. Value for money
Because I don’t carry the same overheads as large chartered firms, I can deliver quality accounting and advisory services at a fair cost. You get my expertise and attention without paying extra for a brand name.
The Bottom Line
At the end of the day, choosing between a chartered accountant and an accountant is about what matters most to you. If you’re a small business owner looking for someone approachable, who understands the challenges you face, and who can give you more than just compliance, then working with me is likely to be a better fit.
My role is to be a partner in your business – not just the person who ticks the boxes.
