#1 of 3 today · NZ exchange · Since 2023

Stacked Bitcoin

A Bitcoin-only New Zealand exchange built around Lightning, so you can buy and move your coins in seconds for almost nothing.

Websitestackedbitcoin.com

Pays withBank payment (Akahu)

SellsBitcoin only

LightningYes, deposits and withdrawals

ID checksRequired (KYC), once

Fees, all-in1.32% on NZ$100, bank to your wallet

Right nowUpdated just now

NZ$144,162for one Bitcoin, before 1.32% in fees all-in

NZ$100 buys0.00068535 BTC

Versus the bestBest today

The best deal on the board right now. That can change minute to minute, so check the rates page before a big purchase.

Buy at stackedbitcoin.com

Every fee, start to finish

Every cost between your bank and a wallet you control, in Bitcoin rather than dollars, because buy prices differ. Each fee links to the page Stacked Bitcoin publishes it on. The spread is the exception: nobody publishes that, so we measure it against a weighted global spot price.

Bank payment (Akahu) in · your own wallet outChecked 8 Sep 2026

FeeRateOn NZ$100On NZ$1,000

Weighted global spot priceWhat your money is worth in Bitcoin at the world market price, before anyone takes a cut. Every line below comes out of this. Read from CoinGecko, which volume-weights across exchanges.NZ$143,9820.00069453 BTC0.00694531 BTC

Spread from weighted global spot priceHow far Stacked Bitcoin’s buy price sits above the weighted global spot price. No exchange publishes this, so we measure it: it is the gap between what a Bitcoin costs on the world market and what they charge for one. A negative figure means they are below spot.+0.13%−0.00000087 BTC−0.00000869 BTC

Service fee1% when you pay through Akahu, POLi or EFTPOS. It becomes 2% if you pay by manual bank transfer.1%−0.00000692 BTC−0.00006935 BTC

FXNo separate FX fee. Stacked prices Bitcoin in US dollars and converts at its own rate; its fees page says foreign exchange costs are covered by the flat 1%.NoneNothingNothing

Bank payment (Akahu)NZ$0.20 per payment when you pay through Akahu. POLi costs about 1% (capped near NZ$3.45) and EFTPOS 1% (capped at NZ$3). A manual bank transfer is free, but the service fee doubles to 2%.NZ$0.20−0.00000139 BTC−0.00000139 BTC

WithdrawalYour Bitcoin is delivered straight to your own wallet, over Lightning or on-chain, as part of the purchase. There is no separate withdrawal.FreeNothingNothing

What lands in your wallet0.13% spread + 1% + NZ$0.200.00068535 BTC (1.32% all-in)0.00686588 BTC (1.14% all-in)

In plain English

How the fees work

How far Stacked Bitcoin’s buy price sits above the weighted global spot price. No exchange publishes this, so we measure it: it is the gap between what a Bitcoin costs on the world market and what they charge for one. A negative figure means they are below spot. 1% when you pay through Akahu, POLi or EFTPOS. It becomes 2% if you pay by manual bank transfer. No separate FX fee. Stacked prices Bitcoin in US dollars and converts at its own rate; its fees page says foreign exchange costs are covered by the flat 1%. NZ$0.20 per payment when you pay through Akahu. POLi costs about 1% (capped near NZ$3.45) and EFTPOS 1% (capped at NZ$3). A manual bank transfer is free, but the service fee doubles to 2%. Your Bitcoin is delivered straight to your own wallet, over Lightning or on-chain, as part of the purchase. There is no separate withdrawal. All told, NZ$100 is worth 0.00069453 BTC at the world market price and 0.00068535 BTC lands in your wallet, so 0.00000918 BTC goes in costs: 1.32% all-in.

How long it takes

Signing up and verifying your ID usually takes ten minutes and is a one-off. After that a bank transfer clears the same day, often within the hour, and your Bitcoin is bought the moment it lands.

Getting your Bitcoin out

You can send your coins to a wallet you control the moment you buy, over Lightning for almost nothing, or on-chain for larger amounts. We recommend doing that rather than leaving Bitcoin on any exchange.