Stacked Fees and Limits
By Stacked Limited
Updated Jun 9th, 2026
Stacked Exchange BTC to NZD
Stacked's exchange service works by providing New Zealand customers easy access to bitcoin on the Lightning Network. We also offer buying bitcoin through traditional on-chain wallets as well. The costs we incur for this service are variable, and largely depend on foreign exchange costs, volatility, and the difference between our purchasing and selling volume. For these costs, you will only be charged a flat rate, and you can leave the complexity to us.
When costs are incurred directly for your purchase or sell (bank fees, for example), these are the only added costs you will incur.
Current Fee rates for Stacked's exchange service:
Buying Bitcoin - 1% on most payment methods, or 2% on manual bank deposits, plus any bank fee.
Selling Bitcoin - 1%
A manual deposit is a manual bank transfer to our account, as opposed to an automated open-banking payment.
General Limits:
Below are the current limits for your Stacked account while we start our beta testing. We expect these to change as we onboard more users and conduct early phase testing.
Single Transaction Limit: $10,000
Daily Buy Limit: $20,000
Daily Sell Limit: $20,000
Monthly Buy Limit: $200,000
Monthly Sell Limit: $200,000
How can I raise my Buy or Sell Limit?
Users can place a limit increase request via their profile by going to the menu in the top right of the Stacked app, and clicking "My Account," and Clicking "Request Limit Increase."
Our limits are set for two reasons. First, we need to make sure on a daily basis we have enough bitcoin to go around, so we set limits at a reasonable level to ensure we can manage volume and our own funds well enough to continue staying open 24/7. In this regard, we do offer some limit increases, if requested by a user, with no additional information required, as long as we are in a good position to service your request.
Standard Limit Increases:
- Up to NZ$50k Daily
- Up to NZ$500k Monthly
Limit increases over and above those amounts will require us to gather more information from you. We are required to do this for compliance reasons. If you request is higher than these limits, we will ask you some questions as to the source of wealth you are using to make the purchase, and when necessary, specifically where the funds you will use have come from. You will also need to provide some evidence of this.
Documenting Source of Wealth
Buying Bitcoin with NZD
When buying bitcoin, your source of wealth will likely be tied to one of these sources.
- Income from your employment
- Investment Profits or dividends
- Inheritance
- Business profits
- Savings
To document these sources of wealth, you may provide us one of these examples when asked:
| Income from your employment |
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| Investment Profits or dividends |
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| Inheritance |
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| Business profits |
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| Savings |
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In some cases, the source of the specific funds you will use to purchase bitcoin may be required, in this case, we will advise if additional documentation is required.
Selling Bitcoin
Demonstrating source of Wealth may be a bit more challenging with selling bitcoin. If you have a buying history with us, and you wish to sell those bitcoin to us, it should be very straightforward.
If you acquired your bitcoin elsewhere, the documentation you may provide will depend on its source.
| Purchased through another exchange |
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| Employment or Work income |
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| Mining |
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| Purchased via P2P Markets |
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