Any New Zealand bank account, whether it belongs to a business, a biller, or a person.

A flat 1% conversion fee on the NZD amount, plus any bank transfer fee, with nothing else added. See fees and limits.

Stacked Bill Pay

Pay any NZ bill with bitcoin.

Q: How fast does the payment arrive?

Payments go out as ordinary NZ bank transfers, typically same-day once you confirm.

Q: What if I enter the wrong account number?

Double-check the details before confirming. Like any bank payment, a completed transfer can’t always be recalled. If you’ve made a mistake, contact support straight away.

Q: Is spending bitcoin a taxable event?

Spending bitcoin is generally treated as a disposal under New Zealand tax rules. Check the IRD’s cryptoasset guidance or talk to a tax professional. Our Bitcoin & NZ Law guides are a good starting point.

Rent, power, rates, invoices. Pay any New Zealand bank account straight from your bitcoin balance. They get NZD, you keep stacking.

Create Free Account See how it works →

NZ-owned FSP registered Bitcoin-only

Stacked app Bill Pay — entering a $250.45 payment to Genesis Energy

Any bill, any NZ bank account

If it has an account number, you can pay it. Rent, power, rates, a mate’s invoice, all straight from your bitcoin balance.

Stacked app Bill Pay payee list — council rates, power, phone, and rent payees

They get NZD, like any normal payment

Recipients receive an ordinary NZD bank payment. They don’t need to know, or care, that bitcoin was involved.

Stacked app completed bill payment — NZD paid out to the payee’s bank account with references

The rate upfront, every time

See exactly how much bitcoin the payment costs before you confirm. What you approve is what’s spent.

Stacked app Confirm Bill Payment — rate, total fee, and bill amount shown before paying

Live on your stack

Spend when you need to, without a separate sell-then-transfer dance. Pay the bill and keep the rest stacked.

One balance. Every bill.

Pay straight from your balance
No sell-then-transfer steps
Keep the rest stacked

How it works

Four steps from your bitcoin balance to any NZ bank account.

STEP 1

Enter the bill details

Any NZ bank account number works.

STEP 2

Confirm the rate

See the exact NZD amount before you pay.

STEP 3

Pay from your balance

Paid straight from your bitcoin, no selling first.

STEP 4

They get NZD

An ordinary bank payment on their side.

One flat 1% fee.

A flat 1% conversion fee on the NZD amount, plus any bank transfer fee. No bill pay markups, no subscriptions. The rate and fee are shown before you confirm.

See fees and limits →

Customer review

“Grateful customer, who have been using the service close to a start of Lightning operation. I have a curiosity to try pretty much all on-ramp off-ramp BTC/crypto in NZ, this is the cheapest one (lowest fees). For every day stackers, new or seasoned BTC HODLers, for anyone who want to promote BTC for daily use, people who want the world to operate on Bitcoin standard - there is no better place to be.”

— Yury

NZ-owned & operated Registered FSP — FSP1005773 Bitcoin-only since day one