The Intelligent Money Management Platform

Invest when you want, earn when you aren't.

Earn interest on your uninvested capital while you trade US stocks, ETFs, and crypto. Start earning in less than 7 days.

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SIPC insuredUp to 3.15%★★★★★ 5.0

“Through real-time modelling and scenario testing, users are encouraged to align their investment and savings strategies with longer-term plans.”

“Charlie Meaden has taken a big lesson from Berkshire Hathaway, in the business model for his digital-first wealth platform, eccuity.”

“A free user regularly investing $200–$500 each month could save around 50% using eccuity compared to Sharesies or Hatch.”

“Combines the GPT model from OpenAI with vast financial data to help investors to research, plan, manage and trade investments.”

Optimised

Higher US rates mean your cash can earn more.

US interest rates have been higher than NZ rates. By holding your uninvested capital in USD, you take advantage of higher returns instead of settling for local rates. It's the same cash — just earning more.

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Intelligent

Start automatically outpacing inflation.

Don't allow inflation to erode your wealth. Through safeguarding your uninvested capital with eccuity, you are ensuring growth even when the markets are slow.

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Secure

Your money stays safe, segregated, and insured.

Your cash and securities are protected by Excess SIPC insurance for up to USD $75 million per account. Cash in your eccuity account is held in its own segregated custody, so your money always stays yours.

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Accessible

Start saving with only 1 U.S. Dollar.

There's no minimum deposit to start saving or investing with eccuity. Begin building momentum even if you're starting with a single dollar.

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How savings should feel

$10k USD saved over 12 months

eccuity Private(USD Savings)

3.15%

eccuity Invest(USD Savings)

2.75%

Banks(Foreign Currency Account USD Savings)

1.65%

Online Platforms(Shares Save NZD Savings)

2.00%

Provider	Interest Rate	Forex Fee	Earnings
eccuity Private	3.15%	0.15%	$303
eccuity Pro	2.95%	0.30%	$268
eccuity Plus	2.85%	0.40%	$248
eccuity Free	2.75%	0.50%	$227
Online Platforms	2.00%	0.50%	$102
Banks	1.69%	0.70%	$21

Fee amounts for a single NZD deposit converted to USD, including FX fees. Compared against competitors' standard pricing.

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We let you earn interest on unallocated cash held in your eccuity account. The rate shown reflects the annual growth of your cash over the course of a year while it is not invested.

eccuity Free earns 2.75%, Plus earns 2.85%, Pro earns 2.95%, and Private members earn 3.15% per year on unallocated cash. Rates are variable and may change.

Interest earned on unallocated cash is credited into your eccuity account on the first day of each month.

No. You can deposit, withdraw, or invest the cash balance in your eccuity account at any time. No lock-up period.

Your capital is protected by Excess SIPC insurance through our partner Alpaca, covering up to USD $75 million per account. All user capital is kept in segregated custody.

Deposits and withdrawals are subject to a 7-day clearing process, after which your funds will reach your account.

Only to the extent that all investments carry risk. Earning interest on your cash is generally much safer than investing in stocks, shares, and other asset classes.

Yes. Interest earned is considered income and taxed under Resident Withholding Tax (RWT). We deduct taxes before crediting your account.

No charges or hidden fees for the high yield sweep programme. Standard platform fees apply for trading — see our pricing page for details.

The capital invested earns interest, and eccuity subtracts a service charge ranging from 0.10% to 0.50% based on your subscription tier.

Get started in 3 simple steps

Apply for a free eccuity account, deposit your cash, and start earning interest in less than 7 days.

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Create your account and complete verification in just a few easy steps.

Deposit funds

Deposit the funds you would like to start earning interest on.

Start saving securely

Your cash instantly starts earning interest in its own segregated custody.

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Start earning on your cash today

No minimum deposit. No lock-up period. SIPC insured up to $75M.

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