MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • Independent Reserve Review
        • eToro Review
        • Coinbase Review
        • Kiwi-Coin Bitcoin Exchange Review
        • Vault International Bitcoin Fund Review
      • Guides
        • How to Buy Bitcoin in New Zealand
        • Beginner's Guide to Bitcoin and Blockchain
        • Guide to NFTs
        • Bitcoin Wallet Guide
        • Bitcoin Mining
        • How to Sell Bitcoin
        • Bitcoin and Crypto Scams
        • Initial Coin Offerings
        • A Beginner’s Guide to Investing in Cryptocurrencies
        • Decentralised Finance
        • Bitcoin in New Zealand
        • New Zealand Bitcoin Exchanges
        • How to Buy Ethereum in New Zealand
        • Other Coins
          • How to Buy Ripple in New Zealand
          • How to Buy Cardano in New Zealand
          • How to Buy Dogecoin in New Zealand
          • How to Buy Litecoin in New Zealand
          • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Car Insurance
      • Guides
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • Business Calculators
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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Stake Review

We review Stake, the US stock platform offering US$3 trade fees and an app-based experience for 6,000+ shares and ETFs.
Stake Review
Updated 10 August 2023
Our Review
In this guide, we outline what Stake is, its features, fees and FX conversion fees. We also look at whether it's safe to invest in given its recent entrance to the market, as well as must-know features unique to Stake. Please be aware, all dollar ($) values below are expressed in USD, which is the functional currency of Stake by ways of trading and fees.

Please note, while Stake has launched Australian ASX trading for its Australian-based customers, this exchange is not yet available to New Zealanders Stake customers. We will update the guide when this exchange launches.


Important: Sharesies and Stake Fee Change
  • On 21 December 2022, Sharesies announced a fee change that will affect most customers. In short, the average investor's brokerage fee jumps from around 0.50% to 1.90%. This excludes foreign exchange fees which are also set to increase.
  • Stake announced it was ending its 'free trade fees' in March 2023 and charging $3 per US trade up to $30,000, or 0.01% per US trade $30,000 or greater. This guide reflects Stake's fee increase (and references to Sharesies and Hatch where relevant).
  • Please be aware that for most New Zealanders who invest around $500-$5,000, the new fees significantly increase trading fees, making Sharesies and Stake less attractive compared to Hatch.
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?
  • 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. Other options: Superhero offers US$0 trade fees, and Tiger Brokers offers low FX fees; our Superhero Review and Tiger Brokers Review explain more.
  4. Wanting to invest in the US stock market from New Zealand? Our guide explains everything you need to know.
  5. Want to compare ETFs with shares? Our dedicated ETFs vs Shares guide has you covered.
  6. Looking for an investing platform that offers funds rather than shares? Our reviews of InvestNow, Flint Wealth and Kernel Wealth have you covered.
Visit Stake

Stake Review New Zealand

Stake - Pros & Cons

Pros
  • 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 6,000+ stocks, ETFs & OTC stocks 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. 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.
  • Stock lending: Stocks are typically borrowed by institutional investors and banks, whereby a small payment is made to the stock owner. If you decide to lend your stocks, Stake's partner DriveWealth will borrow them and pay you a fee. They will re-lend your stocks to other parties that might be interested in market making, covering failed trades or meeting margin requirements. You can read more about stock lending here.
  • 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 ($15/month, or $13/month when paid for yearly) 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 $15/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, with a fee of US$3 per trade.
  • The Stake app makes investing effortless, and the design and functionality of Stake in general will encourage frequent use. 
  • 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. Other options: Superhero offers US$0 trade fees, and Tiger Brokers offers low FX fees; our Superhero Review and Tiger Brokers Review explain more.
  4. Wanting to invest in the US stock market from New Zealand? Our guide explains everything you need to know.
  5. Want to compare ETFs with shares? Our dedicated ETFs vs Shares guide has you covered.
Visit Stake

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. The fees are $3 per US trade up to $30,000, or 0.01% per US trade $30,000 or greater.
  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 $15/month and allows you to trade on unsettled funds, access analyst ratings and price targets among other features.

How does Stake make money?

Stake makes money in four distinct ways:
  1. Trade fees - $3 per US trade up to $30,000, or 0.01% per US trade $30,000 or greater.
  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 accepts bank transfers, credit card, Apple Pay, Google Pay and 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 'Instant 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 withdraw them to NZD. Settlements are explained in detail here.
Visit Stake

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 6,000 investment options exist. The pricing is straight forward ($3 per US trade up to $30,000, or 0.01% per US trade $30,000 or greater), 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?
Yes, Stake 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 Review New Zealand

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. Other options: Superhero offers US$0 trade fees, and Tiger Brokers offers low FX fees; our Superhero Review and Tiger Brokers Review explain more.
  4. Wanting to invest in the US stock market from New Zealand? Our guide explains everything you need to know.
  5. Want to compare ETFs with shares? Our dedicated ETFs vs Shares guide has you covered.
Visit Stake

Stake Review New Zealand

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

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 - 1.90% to buy or sell, with a US$5 cap. Deposits and withdrawals incur a 0.5% FX fee on the interbank rate, with no minimum transfer.
  • Other options: Superhero offers US$0 trade fees, and Tiger Brokers offers low FX fees; our Superhero Review and Tiger Brokers Review explain more.
  • 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.
  • 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.

US Shares - Sharesies vs Hatch vs Stake vs Superhero vs Tiger Brokers vs Jarden Direct vs ASB Securities

  • Our table below reflects the differences between trading platforms when buying US$1,500 shares (for example, around 9-10 Apple shares, or 5 Microsoft 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 ​
Tiger Brokers (NZ)
Minimum $2 per order
(f
lat 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
Free
0.50% (charged in USD)
 nil ​
$7.50
Hatch
$0.01 per share
minimum $3 per order

0.50%
 nil ​
  $10.50 ​
Sharesies
1.9% up to a cap of $5
0.50%
 nil ​
$12.50
Stake
$3
1.00%
nil
$18.00 ​
ASB Securities
0.60% (minimum of US$50 per trade plus agency fee)
Not disclosed
0.40%
minimum $40 per order

At least $90.00
Jarden Direct
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

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 most other platforms.
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 6,000+ US-listed stocks and ETFs Stake offers are available to all New Zealand customers. This includes single stocks on NYSE, NASDAQ etc and 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 full 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. Other options: Superhero offers US$0 trade fees, and Tiger Brokers offers low FX fees; our Superhero Review and Tiger Brokers Review explain more.
  4. Wanting to invest in the US stock market from New Zealand? Our guide explains everything you need to know.
  5. Want to compare ETFs with shares? Our dedicated ETFs vs Shares guide has you covered.
  6. Looking for an investing platform that offers funds rather than shares? Our reviews of InvestNow, Flint Wealth and Kernel Wealth have 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.
Visit Stake

Related guides
  • ​Hatch Review
  • Stake vs Hatch
  • Stake vs Hatch vs Sharesies 
  • Superhero Review
  • Tiger Brokers Review
  • Investing in US shares from New Zealand
  • Investing Guide
  • How to Invest in Shares
  • ​Sharesies Review
  • InvestNow Review
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