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Stake Review

We review Stake, the US stock platform offering unlimited, zero-fee trading, day trading features and a many other New Zealand-firsts

Stake Review
Updated 2 March 2021
Our Review
In this guide, we outline what Stake is, its features, fees and FX conversion fees. We also look at whether it's safe to invest in given its recent entrance to the market, as well as must-know features unique to Stake. Please be aware, all dollar ($) values below are expressed in USD, which is the functional currency of Stake by ways of trading and fees.
Our review covers:
  • Stake Pros & Cons
  • ​The Bottom Line 
  • ​​Fees
  • The Specs of Stake - Signing Up and Trading
  • Stake - What You Need to Know
  • Is Stake (and My Money) Safe?
  • What Others Are Saying About Stake
  • The Competition - Stake vs Hatch (and Sharesies, ASB Securities, Direct Broking, Among Others)
  • 10 Things to Know About Stake

Please note: MoneyHub is not a Financial Adviser, and this guide has been published to explain Stake and outline the pros and cons of the platform as an investment option.

Essential Stake-related guides:
  1. Worried about what happens to your investments if Stake collapsed or shut down? Our easy to read custodian guide explains what you need to know. 
  2. Stake vs Hatch - we compare Stake against incumbent Hatch side by side. We also compare Stake vs Hatch vs Sharesies.
  3. Wanting to invest in the US stock market from New Zealand? Our guide explains everything you need to know.
  4. Want to compare ETFs with shares? Our dedicated ETFs vs Shares guide has you covered.

Stake is the 2021 MoneyHub Editor's Choice for our Favourite US Trading Platform

Picture
Our view:
​Stake is the market leader when it comes to zero brokerage fee US share trading. Launching in mid-2020, Stake offers web and app-based trading, market insights and a choice of over 4,000+ investment options in the US market, with securities added weekly as new companies complete IPO proceedings.
MoneyHub's editor Christopher Walsh says:
"Stake emulates the (best points) of neo-brokers like Robinhood by offering 0% commission brokerage, no ongoing account fees and purposeful research tools. Stake has grown on the back of promoting its fee-free trade feature and is a serious player among New Zealanders focused on short and medium-term share trading, as well as long-term investing".
START INVESTING WITH STAKE, OR LEARN MORE
Advertising Disclosure: We have an commercial relationship with Stake (please see our Advertising Policy for more details about how we make money) and we may be paid if you open an account. Stake is not the only option for US shares - please read our Stake vs Hatch vs Sharesies comparison before making any decision.​

Stake Review

Stake - Pros & Cons

Pros
  • No trading fees. This has to be the biggest attraction of Stake.
  • No monthly fees for standard trading features. Stake's Starter pack is $0 month and includes unlimited trades and fractional share purchase.
  • Easy to use interface, with 3,500+ investment options in the 12 US markets. 
  • Sign up and get a free share - Stake offers either a share in GoPro, Nike or Dropbox, which it assigns at random using a spin-the-wheel promotion after you fund your account for the first time. The full details are here.
  • Option to buy fractional shares, for example, 0.10 of one Google share, or 0.20 of one Apple share, etc., as well as buy/sell shares in whole dollar amounts. For example, buying $10,000 in Amazon, which translates to 4.10 shares (at time of writing).
  • Much lower FX fees and brokerage commissions compared to incumbents Direct Broking and ASB Securities.
  • The FX rate offered is the spot rate, and you can fund via the app. You can also fund your Stake account using Wise, formerly TransferWise, or remit existing USD. We compared a NZ$25,000 transfer to USD using Wise and Stake - the difference was 1.001%, including Stake's 1% fee. We then observed a similar result for selling USD to buy NZD too. We conclude that Stake investors get the spot rate when funding or cashing out their accounts. 
  • Limit and Stop orders: You can buy shares at a set price or set an alert to when the share falls to that level. If the market price matches yours or goes lower, your order will be filled. This feature is free of charge and available on all trades.
  • Day trading is permitted - If you have settled cash you can buy and sell as much as you like on any pack. Stake's paid 'Black' pack ($9/month) lets you day trade with unsettled funds.
  • There's an app for both Apple and Android, both with reasonably positive reviews.
  • You can search for investment options by Sector, Values (Green, Virtue or Vices), Strategy (SmallCap to MegaCap, etc.), Industry and Region, as well as by trading data such as most up/down and most watched. We explore this more in the Specs of Stake section below.
  • Support is accessible via phone and email, with (04) 888 0104 being Stake's New Zealand number.
  • Local community - there is a dedicated Reddit New Zealand Stake users forum which has an active following and community feel (you can view without a Reddit account, but to post you'll need to sign up to Reddit).

Cons
  • 'Express' speed for funding your account is the default option, which adds 0.50% to the 1.00% FX fee - you'll need to manually change this to 'standard' to avoid this extra fee.
  • No joint-accounts are offered
  • Limit buy or limit sell orders don't cover fractional shares - if you want to trade using this feature, you'll need to buy and sell entire units of the company (which may make the likes of Alphabet or Amazon shares unaffordable). 
  • No other foreign markets offered (although it's reasonable to say the US provides enough opportunities for even the most bullish investor).
  • Paid features: Trading on unsettled funds is offered by Stake's premium accounts, which cost $9/month.
  • No hedging options - unlike many ETF investments available through Sharesies, Superlife, InvestNow or Simplicity, Stake does not provide any foreign currency hedging. This means if the NZD goes up against the USD, and all other things being equal, the NZD value of an investment will be less due to the USD being worth less.
  • Technical - Stake offers candlesticks charts and granular tick data. Users can access a full suite of analytics using the website or app.

​The Bottom Line
  • Stake offers a tremendous number of options for exposure to US-listed shares and ETFs. Its 'zero-fee, unlimited trade' offer is unrivalled by any other platform available in New Zealand.
  • Stake will appeal to anyone who wants to trade shares in multiple companies in small amounts. The Stake app makes this effortless, and the design and functionality of Stake in general will encourage frequent use. 
  • For frequent traders of any size or volume, Stake's fee-free approach is very attractive.
  • There are no custodial fees for investments, and you won't pay any account management fees.
  • Many New Zealand investment platforms and fund managers limit access to unethical investments - Stake has no such limitations.​

Essential Stake-related guides:
  1. Worried about what happens to your investments if Stake collapsed or shut down? Our easy to read custodian guide explains what you need to know. 
  2. Stake vs Hatch - we compare Stake against incumbent Hatch side by side.
  3. Wanting to invest in the US stock market from New Zealand? Our guide explains everything you need to know.
  4. Want to compare ETFs with shares? Our dedicated ETFs vs Shares guide has you covered.
START INVESTING WITH STAKE, OR LEARN MORE
Advertising Disclosure: We have an commercial relationship with Stake (please see our Advertising Policy for more details about how we make money) and we may be paid if you open an account. Stake is not the only option for US shares - please read our Stake vs Hatch vs Sharesies comparison before making any decision.​

Stake Review

Stake Fees

Stake offers two subscription types, known as 'packs' and resembling a freemium model per the pricing page. For all packs:
  1. There are no trading fees - you can buy and sell as much as you like with your USD balance and you won't incur any Stake fees. 
  2. You can hold fractional shares
  3. You can day trade - if you have settled cash you can buy and sell as much as you like on any pack.
  4. Nominal government levies apply - SEC and Trading Activity Fees (TAF) are incurred with each trade, as outlined in this fees PDF. There is a one-off tax filing fee ($5) which covers you for life. Stake does not profit from any of these fees.

Subscription (Pack) Options
Stake offers two packs:
  • The 'Starter' pack is free
  • The 'Black' pack costs $9/month and allows you to trade on unsettled funds, access analyst ratings and price targets among other features.

How does Stake make money?

With no trading fees, Stake makes money in three distinct ways:
  1. Freemium model - beyond the free account, Stake offers two paid 'premium' packs which include 1 free and 2 premium packs.
  2. FX transfers - you'll pay 1% when you transfer NZD to USD and USD back to NZD. For example, using an NZD:USD FX rate of 0.66667, if you transferred NZ$1,500, you receive $1,000 before fees and $990 after fees. Stake's $10 fee is 1% of $1,000. You don't pay an FX fee on trades.
  3. Interest on balances - Stake earns a (low) percentage of interest on USD balances yet to be invested or withdrawn.

Stake Review

​​The Specs of Stake and How it Works

1. Signing Up
  • Stake is open to anyone over 18, residing in New Zealand as a tax resident and holding a driver’s licence. If your driver's licence isn't recognised, you'll need to supply your passport, a selfie with your passport and a Government issued ID, a bank statement or a utility bill.
  • Once Stake verifies your information, your account will be approved (usually immediately) and you can deposit money. 

2. Depositing Money
  • Stake only accepts one method of payment for funding your account - POLi transfers. You'll see the FX rate and total amount your USD balance will be when you confirm your funding. The exchange rates are made clear before you transfer any money, and all fees are clearly presented.
  • Be aware that 'Express' funding is the default, and incurs an additional 0.50% fee. You'll need to switch this to 'Standard'. The processing time is three days (standard service) or one day (express service, with a 0.50% additional charge).
  • Avoid FX fee altogether: With Stake, you can fund your account directly with another FX service (and avoid Stake's FX service and fee). This means you won't pay the 1% on top of the spot rate.
  • Once your Stake account has received the US dollars, you can start investing.
  • Conversely, if you want to withdraw money out of Stake, because the balance is in USD, it normally takes two days to show up in your NZD bank account.
  • Uninvested money sitting in your Stake account does not earn interest.
3. Trading
  • The Stake website and app offer three core functions, which are effortlessly easy to navigate:
  1. Search - all available investments are listed with their current price and trading volume. You can sort by most up, most down, traction (i.e. stock trades), most traded (by total dollar value), most viewed (by Stake users) and most watched (by Stake users). You can add any stock to your watchlist.
  2. Dashboard - this lists your Positions, Cash Balances and Orders, and details your each of your stock's units, average price paid, last price, total holding value, day return and total return. From the dashboard you can trade any stock in your portfiolio.
  3. Watchlist - You can select any stock from 'Search' to appear here, and also prompt a trade.
  • Trading takes two-clicks, with up-to-date data for making buy and sell decisions as this example illustrates. 
  • Stake works with two partners, DriveWealth (a US-regulated broker-dealer) and OFX (an Australian-based currency exchange provider).

4. Selling, Settling and Keeping Track of Your Portfolio
  • When you sell, all settlement proceeds are shown in a settlement calendar. In the US, trades settle T+2. This means investors cannot access these funds for two days. Only if you have access to trading on unsettled funds (as offered in the 'Black' pack) would you be able to trade using unsettled funds. Once funds clear, you can use them to invest, leave them in the Stake account, or withdrawal them to NZD. Settlements are explained in detail here.
START INVESTING WITH STAKE, OR LEARN MORE
Advertising Disclosure: We have an commercial relationship with Stake (please see our Advertising Policy for more details about how we make money) and we may be paid if you open an account. Stake is not the only option for US shares - please read our Stake vs Hatch vs Sharesies comparison before making any decision.​

Stake Review

Stake - What You Need to Know

The claim:
"Make trades in seconds on over 3,500 US Stocks and ETFs"
AND
"Clear, simple and better pricing with no hidden fees".
AND
"Securities insured up to $500k".

Is it true?
Yes, currently there are over 3,800 investment options exist. The pricing is straight forward, with the FX fee being clear and heavily disclosed. With regards to the $500,000 insurance, this is provided by the Securities Investor Protection Corporation (SIPC) to insulate investors from the risk of a brokerage bankruptcy.

The claim:
"Stake exists to put all the opportunity of the US stock market in the palm of your hand. This means making you our partner, not our product, and giving you an unrestricted, unparalleled and fully transparent brokerage experience".

​Is it true?
  • The Stake search functionality gives performance data, comparative shares and lets you add shares onto a watchlist. At the heart of Stake is a trading-focused tool that delivers everything you need to make buying and selling shares effortless.

Stake launched in 2017 – can I trust it, where is it based, and is it safe for me to invest?

  • Trading platforms come and go, so it's perfectly reasonable to be cautious about investing overseas with an overseas-based platform like Stake.
  • Stake was co-founded by two Australians, and the Australian-based company is privately owned and venture-backed. This article profiles the company's history. 
  • ​Stake is not registered as a 'financial product' by the New Zealand Financial Markets Authority (FMA) due to the fact it only provides access to trading opportunities in the US Share markets. Specifically, Stake partners with DriveWealth, a broker-dealer regulated by FINRA (the Financial Industry Regulatory Authority), which is similar to the FMA although it is a private corporation (not a government organisation) and acts as a self-regulatory organisation (i.e. federal laws do not govern it).
  • Confusing matters slightly, Drivewealth does not hold your securities. Citibank custodies your shares, and is headquartered in New York. The shares are not in your name, so investors must be comfortable relying on standard practice in the US of “held in street name”.

Essential Stake-related guides:
  1. Worried about what happens to your investments if Stake collapsed or shut down? Our easy to read custodian guide explains what you need to know. 
  2. Stake vs Hatch - we compare Stake against incumbent Hatch side by side.
  3. Wanting to invest in the US stock market from New Zealand? Our guide explains everything you need to know.
  4. Want to compare ETFs with shares? Our dedicated ETFs vs Shares guide has you covered.

What Others Are Saying
​Right now, there's no local media coverage, but a number of Australian publications have profiled Stake. We summarise a selection here:

"Stake – which has an app and a website – allows you to trade more than 3,500 stocks on the US market. It’s similar to Robinhood, which offers commission-free trades in stocks".
Business Insider Australia (October 2019)

"More than $US300 million has been traded across all stocks through the low-cost trading platform".
Sydney Morning Herald (January 2020)

"The company has gained some traction in the local market with its brokerage-free trading platform, which now has a user-base numbering around 30,000. Stake has full trading functionality and the creature-comforts of a desktop interface". 
stockhead.com.au (October 2019)

"Founded in 2017, Stake has almost 30,000 trading accounts linking Australian investors to US shares and exchange-traded funds, and will now look to take on incumbent brokers in the UK by offering very low fees".
Australian Financial Review (September 2019)

"The big pitch to the company's users is free brokerage on all trades, which puts a challenge to the big banks that charge between $20 and $30 per trade of individual international shares. Instead, Stake makes money from charging fees on through foreign exchange movements and interest on cash in accounts".
Sydney Morning Herald (August 2019)
START INVESTING WITH STAKE, OR LEARN MORE
Advertising Disclosure: We have an commercial relationship with Stake (please see our Advertising Policy for more details about how we make money) and we may be paid if you open an account. Stake is not the only option for US shares - please read our Stake vs Hatch vs Sharesies comparison before making any decision.​

The Competition - Stake vs Hatch (and Sharesies, ASB Securities, Direct Broking, Among Others)

With zero trading fees and a 1% FX fee for balance funding and withdrawing, we compare Stake to other popular platforms available in New Zealand: 

Share trading alternatives:
  • Hatch -  US trades incur a flat $3 per order to buy or sell up to 300 shares. After 300 shares, it's $0.01 a share. The FX fee is 0.50%. Hatch includes all regulatory fees as part of its $3 fee. 
  • Sharesies - 0.5% to buy or sell for orders up to $3,000 and an additional 0.1% for amounts over that​. Deposits and withdrawals incur a 0.4% fee on the interbank rate, with no minimum transfer.
  • ASB Securities - US share trades incur a 0.80% brokerage fee (with a minimum of $50 per trade, plus agency fee of 0.4% with a minimum of $40 per trade for orders up to $50,000). The FX fees are around 1.50% on the spot rate per our ASB Securities review.
  • Direct Broking - US share trades incur a 0.6% or $69.50 brokerage fee (whichever is greater), then a $500 minimum order value. The FX fees are around 1.50% on the spot rate per our Direct Broking review.
  • Interactive Brokers - US share trades incur a $5.95 maximum brokerage fee; account holders fund their balances independently, meaning a choice of foreign currency companies is available. There is a $0 fee for any ETF trades. However, unlike Stake, Hatch, Direct Broking and ASB Securities, Interactive Brokers charges a quarterly account management fee to inactive account holders not buying and selling investments regularly. ​

ETF alternatives
  • There are a number of US and global ETF options available to New Zealand investors without the need to translate NZD into USD. Many also have the benefit of offering currency hedging. 
  • See Sharesies, Superlife, InvestNow or Simplicity as examples. 

Stake Review

10 Things to Know About Stake

Stake Review

Stake doesn’t provide any investment advice or investment information (but premium members have been promised "Analyst-level data" in the future)

Stake is a financial platform and does not offer anything further than general guidance on tax and trading basics on its website. Stake is not a financial adviser either.

Stake makes this clear on their website: "The content provided on our website or mobile application is for general information purposes only and is not intended to constitute financial advice, or an invitation or an offer to buy or sell any financial product or security".​
Stake Review

You won't be paid interest on uninvested USD balances (but Stake will be)

As Stake doesn't charge trade fees, it makes money by earning interest on uninvested balances. This is different to Hatch, which pays a small interest rate on funds not invested. By offering 0% interest on balances, Stake is no different to ASB Securities (0%), whereas Direct Broking offers 0.25% p.a.​
Stake Review

Dividends get paid back into your Stake USD account

​If you've received an overseas dividend, it will be paid into your USD account. You can then decide to reinvest the sum or withdraw it into NZD. Dividends appear in your USD account approximately 2-3 trading days after the payment date.

In the US, there is a 30% withholding tax on dividend payments, but this is reduced to 15% with the completion of a W8 form (which Stake arranges when you sign up).
Stake Review

Share and ETF sales do NOT convert back into NZD once sold

Unlike other platforms (and specifically Direct Broking), selling investments does not trigger an automated conversion of the USD balance into NZD. This means investors can reinvest the balance or wait until the exchange rate is more favourable to make the conversion into NZD.

Be aware: You'll pay a 1% FX fee every time you convert money from your Stake account back into NZD. 
Stake Review

Stake partners with Sharesight to help with tax assessment

Stake doesn't have tax reporting functionality, but it has partnered with Sharesight to make tax-time easier per this announcement. Sharesight is free to use, and our review explains the platform in detail. In time, Stake hopes to bring more data and to let investors track trades, dividends and corporate actions more simply. 
Stake Review

Stake offers fee-free transfers of Hatch portfolios and USD balances to their platform

Stake offers to cover any transfer fees meaning a Hatch portfolio can transfer directly across with no NZD/USD FX fees. Any USD balances transfer at the spot forex rate - you'll get a live rate and all fees shown to you before you confirm your transfer. Once you fund your account in Stake, there are no fees on trading, nor do you pay FX fees on each trade.

Know this: When transferring from another broker with DriveWealth (Hatch, Revolut etc.), you will get a free Dropbox share when you transfer your portfolio over.
Stake Review

Stake takes anti-money laundering (AML) seriously, with a triple-check process

Stake does full digital AML checks using Trulioo - this is where your ID is verified. After that, DriveWealth, Stake's platform partner, undertakes their own AML checks. Thereafter, Stake's FX provider (OFX) does their own AML checks. Together, AML, DriveWealth and OFX provide a high level of security. 

Every FX transfer (NZD to USD, and USD to NZD) is subject to AML legislation. Trade activity is monitored in accordance with FINRA and SEC rules (a US requirement under the Patriot Act).
Stake Review

Stake offers access to all the US stocks, giving you the same access as anyone living in the US

T​he 3,800+ US-listed stocks and ETFs Stake offers are available to all New Zealand customers. This includes single stocks on NYSE, NASDAQ etc, ETFs, (commodities, inverse, leveraged, index funds etc).
Stake Review

Stake doesn't plan to offer non-US investing at this stage

The size of the US market (12 stock exchanges) and the low execution costs and highly competitive ecosystem make it a low-cost, big-opportunity market. It's arguable no other country offers the same choice and conditions, which make it economical to offer New Zealanders fee-free access. Other countries do not offer the same conditions.
Stake Review

If you have USD already, you can transfer funds into your Stake account

There is a one-off $5 fee for USD-USD money transfers, which reflects a third-party cost from Stake's US partner. The fee covers the reconciliation process and general transfer management costs. 
Essential Stake-related guides:
  1. Worried about what happens to your investments if Stake collapsed or shut down? Our easy to read custodian guide explains what you need to know. 
  2. Stake vs Hatch - we compare Stake against incumbent Hatch side by side.
  3. Wanting to invest in the US stock market from New Zealand? Our guide explains everything you need to know.
  4. Want to compare ETFs with shares? Our dedicated ETFs vs Shares guide has you covered.

Do you have an experience with Stake you would like to share with our users? Email our research team who would be delighted to hear from you.
START INVESTING WITH STAKE, OR LEARN MORE
Advertising Disclosure: We have an commercial relationship with Stake (please see our Advertising Policy for more details about how we make money) and we may be paid if you open an account. Stake is not the only option for US shares - please read our Stake vs Hatch vs Sharesies comparison before making any decision.​
Related guides
  • ​Hatch Review
  • Stake vs Hatch
  • Investing in US shares from New Zealand
  • Investing Guide
  • How to Invest in Shares
  • ​Sharesies Review
  • InvestNow Review

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