How can we help?

eccuity is a free investment platform powered by AI and automation, paired with a membership model that gives you professional-grade tools without traditional barriers. Our vision is that everyone has the right to build equity for themselves in order to have autonomy and freedom to live life on their terms. We help you save more through smarter tools and guidance, and invest via low-fee access to trackers.

Yes, eccuity and eccuity Invest will always be free for users to access. Investment transaction costs apply when you trade, but there is no cost to sign up, track your portfolio, or use the platform’s core features.

You need to be at least 18, a New Zealand physical and tax resident, and legally able to enter a binding agreement.

Visit app.eccuity.com/register to create your account. The sign-up process takes just a few minutes and you’ll need to verify your identity as part of our regulatory requirements.

A wealth manager takes a percentage of your money every year, restricts what you can invest in, and makes decisions for you. eccuity charges a flat membership fee, lets you choose every investment, and gives you full control and transparency.

Free to start. Paid plans run from $10 to $125 a month billed monthly, or $96 to $1,200 a year billed annually (20% less). For comparison, a traditional adviser charging 1% on $500K takes $5,000 a year, every year, and the bill grows as your wealth does.

Yes. Paid memberships renew automatically on your billing anniversary until you cancel, and your card is charged each time. You can cancel at any time. New subscribers get a 14-day money-back guarantee from signup. Payments are processed by Stripe, and your card details aren't stored on eccuity's systems.

We may change membership prices with reasonable notice, and a new price applies from your next billing cycle. Promotional or discounted pricing only applies for its stated period (up to 12 months), then reverts to standard pricing.

eccuity was made by investors, for investors, here in New Zealand. It started from a simple frustration: people weren't getting value for money from those managing their wealth, so we built the alternative, with fewer middlemen, clear fees and incentives that line up with yours.

eccuity is part of the Maddition Group. Our holding company, Maddition Limited, owns the eccuity platform and brand, and eccuity Invest Limited is a registered financial service provider (FSP1003321).

Users can invest in US Equities, Exchange Traded Funds (ETFs), and Cryptocurrencies. You can also track NZ shares, property, KiwiSaver, and other assets on your Net Wealth Dashboard.

Alpaca Securities LLC is a US-regulated broker-dealer that partners with eccuity to provide brokerage services. They are a FINRA member and a member of SIPC.

We offer both Business and Trust accounts.

Using a business or trust account offers benefits like stronger legal asset protection, easier estate planning, alternative tax rates and smoother business transitions.

Cryptocurrency is maintained in cold storage crypto wallets with Fireblocks LLC (“Fireblocks”) through Alpaca Crypto.

Cryptocurrency is held in secure custodial wallets managed by regulated custody partners with strong security practices. Note: crypto assets are not covered by SIPC insurance.

Log in to eccuity, go to the Wallet section of your portfolio and select Deposit. We'll show you the bank details to use and your unique reference code. Transfer from your own bank account and always include that code: a transfer without a matching code is returned to the account it came from, and we'll let you know by email. Deposits must go through eccuity's own funding channels, and deposits from third parties may be rejected.

You can deposit NZD or USD. NZD deposits are paid into a bank account held in trust and converted to USD through Wise or Ebury, with a forex fee of between 0.15% and 0.50%, depending on your membership. Depositing US dollars directly has a $5 fee. Your funds are converted at the exchange rate when they're received, not when you send them, so for transfers that aren't instant the rate may differ from any estimate you were shown.

Deposits typically arrive in your account within three business days, and we aim to make them available within one. Deposited funds can be withdrawn about seven business days after they clear.

Withdrawals to a New Zealand bank account are converted back to NZD through Wise or Ebury, with the same forex fee of between 0.15% and 0.50%, depending on your membership. Outbound US dollar wire transfers cost $25 within the US and $50 internationally.

eccuity Invest Limited is registered on the Financial Service Providers Register (FSP1003321) to provide access to broking services and to operate a money or value transfer service. It is not licensed by a New Zealand regulator to provide financial services, and registration doesn't mean it is subject to active regulation or oversight by a New Zealand regulator.

Yes. You can ask for a copy of the personal data we hold about you, have anything inaccurate corrected, and ask for your data to be deleted. To delete your account, email [email protected]. We may ask you to verify your identity first. We keep some information for at least seven years after an account is closed, for regulatory purposes.

Securities Investor Protection Corporation (SIPC) protects member securities customers up to USD $500,000 (including USD $250,000 for claims for cash). Alpaca's excess coverage adds up to USD $75 million in securities and USD $75 million in cash per customer, with a USD $250 million aggregate limit. Note: crypto assets are not covered by SIPC insurance.

eccuity Invest is a registered financial service provider (FSP1003321). We comply with New Zealand’s Privacy Act 2020 and align with financial services and cybersecurity guidance issued by NZ regulators. We use encryption, multi-factor authentication, and industry best practices for data security.

Email [email protected], write to the Complaints Manager, eccuity Invest Limited, Level 8, 23 Customs Street East, Auckland 1010, or call our Complaints Manager on 021 223 6249. We acknowledge complaints within 2 working days and aim to resolve them within 14 working days. If we can't resolve your complaint, or don't give you a reasonable response within 40 working days, you can take it to the Financial Dispute Resolution Service, a free and independent service: [email protected] or 0508 337 337.

Yes. If your health, a life event such as bereavement or job loss, financial hardship, or limited confidence with money or technology makes things harder, let our support team know at [email protected]. Anything you tell us is handled with care and only shared with your consent or if the law requires it.

eccuity Private is $NZD 1,200 per year and includes a 14-day money-back guarantee. The service features zero broker commission, no percentage-based management fees, free trading on $USD 1,000,000, then 0.10% capped at $2 thereafter, 0.15% foreign exchange fees, 0.50% crypto transaction fees, 3.40% p.a. cash yield (variable, subject to change), and unlimited 1-on-1 expert guidance.

eccuity Private includes expert guidance for your situation, advanced portfolio analytics, strategy building tools, AI assistant access, priority support, 1-on-1 expert guidance, exclusive trading desk access, private deals (wholesale investors only; eligibility applies), and the best rates on trading, FX, and cash yield across the platform.

You can upgrade to eccuity Private through the app or by booking a demo with our team. We’ll discuss your goals and determine if Private is the right fit for you.