Buy Apple Shares (AAPL) from New Zealand - The Definitive Guide
We outline the most cost-effective, secure and user-friendly platforms for anyone wanting to buy Apple shares
Updated 24 April 2025
Important: If you buy Apple shares, all holdings are in USD. This means that when the NZD/USD exchange rate moves, your investment's NZD value will go up and down. For example, the NZD to USD rate moving from 0.63 to 0.64 makes a USD 10,000 investment reduce its NZD value by about NZD 250 (as the USD now buys less NZD). For this reason, we believe the most profitable investors buying Apple shares will either hold for the long-term or use Apple shares as part of a trading strategy.
Our guide covers:
Advertising Disclosure: We may receive a commission if you join a share investing platform, but any such arrangement does not influence our shortlist. We have comprehensively reviewed and compared all platforms extensively (please see our investing section) to ensure you can compare and decide with confidence.
Important: If you buy Apple shares, all holdings are in USD. This means that when the NZD/USD exchange rate moves, your investment's NZD value will go up and down. For example, the NZD to USD rate moving from 0.63 to 0.64 makes a USD 10,000 investment reduce its NZD value by about NZD 250 (as the USD now buys less NZD). For this reason, we believe the most profitable investors buying Apple shares will either hold for the long-term or use Apple shares as part of a trading strategy.
Our guide covers:
- Apple Live Share Price (and six month history)
- Where Can I Buy Apple Shares?
- Important Apple-Specific Considerations
- Should You Buy Apple Shares?
- Buying Apple Shares - Frequently Asked Questions
- Conclusion
Advertising Disclosure: We may receive a commission if you join a share investing platform, but any such arrangement does not influence our shortlist. We have comprehensively reviewed and compared all platforms extensively (please see our investing section) to ensure you can compare and decide with confidence.
How to buy Apple shares from New Zealand:
- Compare share investing platforms. Five platforms offer the lowest fees - Superhero, Tiger Brokers, Stake, Hatch and Sharesies. Our platform comparison explains the differences as how much you invest will determine which is best for you.
- Sign up and fund your USD wallet. Each platform requires some standard details (IRD number, proof of ID etc). Once you've selected what investment platform is best for your strategy and goals, you'll need to open an account. The process is similar no matter what your choice. You'll need to sign up online, verify your identity (this usually involves a passport, driver's licence and/or proof of address) and fund your account (by converting NZD into USD).
- Find and research Apple shares on your platform: Search using "Apple" or "AAPL" (the stock code/ticker), and you'll be able to see performance graphs, investor data other resources.
- Buy Apple shares (or fractional shares): Once you're comfortable with the price, you can buy now, or use a market order to buy when the share price falls to a level you're comfortable with. You can purchase fractional shares, meaning you don't need to buy one, two, or three etc. Apple shares. Instead, you can purchase 1/120th or 1/50th of a Apple share and pay, for example, 1/120th or 1/50th of the market price. How much you invest in total will depend on your USD balance and how diversified you are.
- Manage your Apple investment. Keeping informed on company news is essential to know if and when you should sell some or all of your shares. As a Apple investor, you are eligible for dividends (if declared) and have the opportunity to vote on the management.
Buying Apple Shares - What Platform is Best (Superhero vs Tiger Brokers vs Sharesies vs Hatch vs Stake)?
- Our table below reflects the differences between trading platforms when buying US$1,500 shares (for example, around 9-10 Apple shares).
- All fees and costs are in USD
- Some platforms call their brokerage fee a 'transaction' fee or similar, but for the purposes of our comparison, we have kept the column's title consistent.
- We've ranked Superhero second in the table due to its conversion fee. Customers are charged NZ$0.50 for every US$100 converted from USD back to NZD. We believe this neutralises the seemingly higher 0.50% fee charged when converting NZD to USD (e.g. US$0.50 per NZ$100 exchanged) for the purchase of US shares or ETFs.
Investment Platform |
Brokerage fee |
FX fee NZD:USD |
Pass-through fees / Agency fee |
Total Cost |
Minimum $2 per order (flat fee to buy or sell up to 200 shares and USD 0.01 for every additional share after that per transaction) |
0.35% |
$0.003 per share |
$7.25 |
|
Superhero |
$2 |
0.50% (charged in USD) |
nil |
$9.50 |
$0.01 per share minimum $3 per order |
0.50% |
nil |
$10.50 |
|
1.9% up to a cap of $5 |
0.50% |
nil |
$12.50 |
|
$3 |
1.00% |
nil |
$18.00 |
|
0.60% (minimum of US$50 per trade plus agency fee) |
Not disclosed (ASB Securities customers can maintain a foreign currency account [FCA] which reduces exposure to FX margins) |
0.40% minimum $40 per order |
At least $90.00 |
|
Greater of $69.50 or 0.60% for approved NYSE and NASDAQ Listed Securities
|
Up to 1.50% (the current margin applied is 0.89% as at 5 May 2023 per their guidance) |
nil |
$82.85 |
Apple - Live Share Price (and Six-Month History)
The chart below shows the current or closing price of Apple, as well as the opening (O), high (H), low (L) and closing (C) price during its most recent trading day. Pre indicates the pre-trading day price.
Where Can I Buy Apple Shares?
There are several popular options, which we list below:
Dedicated low-cost US-trading investment platforms:
Other options offering US investments:
Important:
Dedicated low-cost US-trading investment platforms:
Other options offering US investments:
- ASB Securities and Invest Direct both offer US share buying via their platforms; although both charge FX and brokerage fees at rates much higher than the above platforms. Our ASB Securities and Invest Direct reviews outline the details.
- Interactive Brokers (IBKR) - Our view is that IBKR is more suitable for advanced traders and sophisticated investors, despite its very low FX and trade fees. Furthermore, signing up is not as seamless as with Superhero, Tiger Brokers, Hatch, Stake and Sharesies. There is also an ongoing account fee, charged monthly. Our Interactive Brokers review has more details.
Important:
- The total dollar value of the Apple shares you're buying will often make one platform cheaper than another.
- ASB Securities and Invest Direct have relatively higher foreign exchange fees than Superhero, Tiger Brokers, Sharesies, Hatch and Stake.
- Interactive Brokers is, arguably, more suitable for expert investors, requires more setup and approval, and there's no New Zealand-based support or regulation.
Before buying Apple shares, we suggest you consider the following points to help understand Apple better:
- Determine the best share trading platforms for your needs: Each platform has different fees, user-experience and tools. If you're going to be trading, a low or zero-fee option is better. If you're investing small amounts (i.e. under USD 500) or buying fractional shares (i.e. one tenth of a share, or one hundredth of a share), your needs are different from a trader or long-term buy-and-hold investor. Our comparison table helps show you the fees and benefits of three major platforms.
- Learn about Apple so that you understand what you're investing in: This is arguably essential in any investment so you know where your money is going. There are many trusted, reputable and free online resources specialising in Apple shares, including Bloomberg, Investing.com, The Motley Fool and Simply Wall St (free to access, but you'll need to sign up)
- Buy shares now, or wait for later? You can use a Limit Order to buy Apple shares when they reach a price you're comfortable to buy them. A Limit Order will automatically buy Apple shares at that price as long as there is money in your platform's USD account. This also assumes Apple's share price will drop to meet your Limit Order's price. If you plan to invest in Apple for the long-term, dollar-cost averaging may be a strategy to consider.
- Decide how much you want to invest: No matter what Apple's share price is, you can buy single or fractional shares. This means you don't need to have funds that match precisely to the current price.
- Making time to monitor your investment: Once you own Apple shares, you'll need to check the price and keep up with the company news to see further buying opportunities, or, conversely, if there is bad news and you want to sell your shares.
Should You Buy Apple Shares?
The decision comes down to whether you believe in Apple as a company and expect the share price to rise. Is buying individual Apple shares directly right for you, or should you look at an index fund or ETF that holds Apple shares? Our investments to hold forever guide highlights how you can maximise your returns and minimise your risks based on your investor experience.
Remember - Buying shares, unless you're day-trading, is a long-term commitment.
Remember - Buying shares, unless you're day-trading, is a long-term commitment.
Alternatives to buying Apple shares directly
- ETFs – You can buy into Exchange Traded Funds (ETFs) that invest in Apple – there are hundreds to select from (as outlined in this detailed summary here).
- Index and Managed Funds: Many New Zealand funds buy shares in Apple; our guides to index funds and managed funds have further details.
- Contract for Difference Trading: CFD has risk, but it can be a more affordable way to get exposure to Apple shares. Our CFD guide explains everything you need to know.
Important: When you invest in managed funds or buy an ETF, you do not directly own Apple shares, and you have no control as to how many are in the portfolio. With a Contract for Difference, you never own the Apple shares. Instead, you bet on the future movement of the Apple share price. Your return on investment is based on the accuracy of your prediction.
Buying Apple Shares - Frequently Asked Questions
Buying Apple shares is easy, but the decision making process can take some time. We answer the most popular questions below:
Is Apple overvalued, or is now a good time to buy shares?
The answer varies depending on published investor research. Furthermore, you may have a different opinion. To help you, we've included several useful and trusted investment websites extensively covering Apple news and analyst reports:
- Bloomberg
- Investing.com
- The Motley Fool
- Simply Wall St (free to access, but you'll need to sign up)
Will Apple's share price go up in the long-term? Or tomorrow?
No one knows the answer. Before buying Apple shares (or any other company), we suggest reading our investments you can own forever guide, which includes and applies several Warren Buffet quotes for any New Zealand investor. A column in Stuff.co.nz by MoneyHub researcher Christopher Walsh makes further points.
Generally, before buying any share, we suggest looking at:
Generally, before buying any share, we suggest looking at:
- Solid management – does the company employ people that know the businesses inside out and get internally promoted, or does it rely on 'celebrity directors' to make up its board?
- The product or service is excellent (and people keep buying it) –companies with growing sales, dominance in their market, and constant innovation always outperform the wannabes.
- The balance sheet is strong – many listed companies are sinking in debt. Debt is expensive and reduces profit. Understanding balance sheets is essential if you're going to pick your shares.
Buying Apple Shares – Conclusion
- If you're comfortable buying shares directly with one of the many US share investing platforms, it has never been easier for New Zealanders to own Apple shares.
- Before buying Apple shares, make sure you're 100% comfortable with the company. If you're a long-term investor, ask yourself whether you're happy to buy and hold this share for years to come.
