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Invest when you can.
Save when you aren’t.

Start earning interest on the uninvested cash balance in your account.

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A chart comparing US and New Zealand interest rates, with the US rate line sitting consistently higher.

Why USD

Higher US rates mean your cash can earn more.

The US market has offered meaningfully higher interest rates than New Zealand for years. By holding your uninvested cash in USD, you can take advantage of those higher returns instead of settling for local rates. It’s the same cash. Just earning more.

This information is general in nature and doesn’t constitute financial advice.

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Capital Safeguard

Don’t let your cash sit idle

Cash in a standard current account typically earns next to nothing. With eccuity, your uninvested cash earns a competitive USD rate instead.

Rates vary and aren’t guaranteed.

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Peace of mind

The different ways we keep your capital secure

Multi-factor authentication

Secure your account with email and text authentication, or a third-party authenticator. Ensure you’re the only person who ever accesses your account.

Third-party custodial model

Your capital is kept completely separate from every other user’s, from deposit to withdrawal.

Registered financial services provider

We’re a registered financial service provider in New Zealand (FSP1003321), and we take our obligations seriously, from financial services rules to anti-money laundering checks.

Bank-grade encryption

All data and transactions are protected with 256-bit encryption in transit and at rest - the same standard trusted by leading banks worldwide.

$75M

Enhanced SIPC coverage

Cash and securities in your eccuity account are protected by Alpaca’s Excess SIPC coverage. Protecting up to $75 million in securities or cash per user.

Compare

Where you save your cash, decides what you earn

  • eccuity Private3.40% p.a. on idle cash$340
  • eccuity Pro3.20% p.a. on idle cash$320
  • eccuity Plus3.10% p.a. on idle cash$310
  • eccuity Free3.00% p.a. on idle cash$300
  • Online platforms2.80% p.a. on idle cash$280
  • Banks1.65% p.a. on idle cash$165

eccuity cash is held in USD with our US broker partner. It is not a bank deposit and is not covered by NZ's Depositor Compensation Scheme. Rates are variable. Exchange-rate movements and FX fees can reduce returns.

Interest earned on a $10,000 deposit over 12 months at the stated rate. Compared against competitors' standard pricing. Rates are variable.
This information is accurate as of 04/10/26

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