Frequently Asked Questions

eccuity is a free investment platform powered by AI and automation, paired with a membership model offering wealth management 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 tailored financial advice and invest smarter via low-fee access to investment strategies.

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.

Individual New Zealand residents who are over the age of 18 currently qualify to use eccuity Invest.

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.

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 worth 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.

Yes. Business entity accounts require company incorporation certificates, driver licenses or passports, and supporting verification documents.

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

Securities Investor Protection Corporation (SIPC) protects member securities customers up to USD $500,000 (including USD $250,000 for claims for cash). Additional excess SIPC coverage provides protection up to $75 million in securities and cash, with aggregate limits of $250 million. Note: crypto assets are not covered by SIPC insurance.

As a financial institution, 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.

eccuity Private is $NZD 1,200 per year and includes a 14-day free trial with money-back guarantee. The service features zero broker commission, zero financial adviser fees, free trading on $USD 1,000,000, then 0.10% capped at $2 thereafter, 0.15% foreign exchange fees, 0.60% crypto transaction fees, 3.15% cash yield, and unlimited 1-on-1 expert advice.

eccuity Private includes personalised investment guidance, advanced portfolio analytics, strategy building tools, AI assistant access, priority support, 1-on-1 expert advice, exclusive trading desk access, private deals, 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.