Cash savings

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% p.a.★★★★★ 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 generally sat above NZ rates. By holding your uninvested cash in USD, you can take advantage of those higher rates instead of settling for local ones. It's the same cash, just earning more.

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Beat inflation

Help your cash keep pace with inflation.

Cash sitting in a low-rate account quietly loses value to inflation every year. Earning a competitive rate on your idle cash helps it hold its ground, even when the markets are slow.

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Secure

Your assets, in your name and segregated.

Your cash and securities are held by a regulated third-party custodian in segregated custody. SIPC protects up to USD $500,000 (including USD $250,000 for cash), with excess coverage up to USD $75 million in securities and USD $75 million in cash per customer. This applies if the broker-dealer fails, not against market losses. If eccuity disappeared tomorrow, your money would still be 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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See exactly what your cash could earn.

$10k USD saved over 12 months

eccuity Private(USD Savings, p.a., subject to change)

3.15%

eccuity Free(USD Savings, p.a., subject to change)

2.75%

Online Platforms(Sharesies Save NZD Savings, p.a., subject to change)

2.30%

Banks(Foreign Currency Account USD Savings, p.a., subject to change)

1.65%

Provider	Interest Rate	Forex Fee	Earnings
eccuity Private	3.15%	0.15%	$315
eccuity Pro	2.95%	0.30%	$294
eccuity Plus	2.85%	0.40%	$284
eccuity Free	2.75%	0.50%	$274
Online Platforms	2.30%	0.50%	$229
Banks	1.65%	0.70%	$164

Earnings on a $10,000 deposit converted to USD: the FX fee is deducted on conversion, then 12 months' interest accrues at the stated rate. Compared against competitors' standard pricing. Rates are variable.

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Want to learn more?

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 cash and securities are held in segregated custody with a regulated custodian (Alpaca, member FINRA/SIPC). SIPC protects up to USD $500,000 (including USD $250,000 for cash), with excess coverage adding up to USD $75 million in securities and USD $75 million in cash per customer (USD $250 million aggregate). This applies if the broker-dealer fails, not against market losses.

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. Cash typically carries lower volatility than shares and other asset classes, though it usually earns less over the long run. This is general information, not advice.

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.

Your cash earns interest, and eccuity keeps a small service margin that varies by plan. The rate you see is the rate you earn, after that margin, with no separate fees for the savings programme.

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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SIPC insured · Segregated custody · No lock-up · Start in under 7 days