Frequently Asked Questions

Sign up for a Stacked account, verify your identity, and you can buy Bitcoin instantly via open banking. Your Bitcoin is sent directly to your self-custodial wallet, meaning you hold your own keys from the start.

Stacked charges a 1% exchange fee on most payment methods, or 2% on manual bank deposits - still among the lowest in New Zealand. Any direct bank processing costs are shown transparently before you confirm your purchase.

Yes. Stacked is a registered New Zealand Financial Services Provider (FSP1005773), operated by Lightning Pay Limited (NZBN: 9429051417789).

Self-custody means your Bitcoin is sent directly to a wallet you control. You hold your private keys, so no third party can freeze, seize, or lose your funds. Stacked never holds your Bitcoin.

Yes. Stacked’s Autostack feature lets you schedule automatic Bitcoin purchases on a regular basis. Set your amount and frequency, and build your Bitcoin holdings over time.

Yes. Stacked’s Bill Pay feature lets you pay any New Zealand bill using your Bitcoin. The conversion and payment happen in one seamless transaction.

Yes. Stacked supports Lightning Network transactions for fast, low-cost Bitcoin payments in New Zealand. Send and receive Bitcoin almost instantly with near-zero fees.

You can start buying Bitcoin with as little as $6 NZD. There's no maximum for standard purchases, and OTC services are available for larger amounts.

Yes. Stacked is the new name for Lightning Pay. The platform, team, and services are the same. Lightning Pay Limited remains the registered legal entity behind Stacked.

Stacked is Bitcoin-only, meaning no altcoins or distracting tokens. Every purchase goes directly to your self-custodial wallet, fees are 1% on most payment methods (2% on manual bank deposits), and you can pay NZ bills with Bitcoin. Stacked is built by a Queenstown-based team focused entirely on Bitcoin.