Bitcoin Only • NZ Bills • Self-Custody

PAY BILLS WITH BITCOIN NZ

Pay any New Zealand bill directly from your Stacked wallet — power, internet, rent, phone, whatever. Stacked converts your Bitcoin to NZD and pays the biller. They never need to know you paid with Bitcoin.

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Stacked Bill Pay: Any NZ Bill, Paid With Bitcoin

Stacked Bill Pay lets you pay any New Zealand bill from your self-custody wallet. Enter the biller's details, and Stacked converts your Bitcoin to NZD and sends it directly via bank transfer. The biller receives NZD — they never need to accept crypto or even know you paid with Bitcoin.

No third-party services. No finding a biller who "accepts Bitcoin." No manual steps. Just your wallet, your Bitcoin, your bills — paid.

How It Works

Add a biller — enter their name, bank account number, and the amount. Save them for next time.
Choose when to pay — pay now, when the bill is due. You're in control.
Stacked converts and sends — the Bitcoin equivalent is debited from your wallet at the current rate, converted to NZD, and sent to the biller.
Done — the biller gets NZD in their bank account. You kept your Bitcoin until the moment of payment.

What Bills Can You Pay?

Power & Gas

Contact, Mercury, Genesis, Meridian — any NZ power company. Pay your monthly bill in seconds.

Internet & Phone

Spark, Vodafone, 2degrees, broadband providers — pay your mobile or internet bill directly.

Rent

Pay your landlord or property manager via bank transfer. Pay weekly or fortnightly rent directly from your wallet.

Insurance

AA, State, AMI, Tower — pay car, house, or contents insurance premiums from your wallet.

Rates & Council

Pay local council rates, water charges, and regional taxes — any biller with a NZ bank account.

Anything Else

Doctor's bills, school fees, trade invoices, subscriptions — if they have a NZ bank account, you can pay them with Bitcoin through Stacked.

Why Pay Bills With Bitcoin?

	Stacked Bill Pay	Traditional Bank Payment
Settlement	Same-day bank transfer	1–3 business days
What you hold	Bitcoin until the moment you pay	NZD losing value to inflation
Fees	1% conversion + bank fee	Bank fees may apply
Card surcharge	None — bank transfer only	2–3% credit card surcharge common
Self-custody	Your keys, your Bitcoin	Bank holds your money
Recurring bills	Pay each bill when it's due	Automatic payments available

Keep Your Bitcoin Longer

With Stacked Bill Pay, you don't need to sell Bitcoin to NZD in advance just to cover bills. Keep your Bitcoin in your wallet earning potential upside, and only convert what you need, when the bill is due. Combined with Autostack, you can accumulate Bitcoin automatically and cover your bills from the same wallet.

No surprises. Stacked shows you the exact NZD amount the biller will receive and the Bitcoin equivalent at the current exchange rate before you confirm. You always know what you're paying.

Related Stacked support guides

For step-by-step product help, use the Stacked support centre rather than a separate learning hub.

Pay your bills with Bitcoin — no biller Bitcoin acceptance required

Get the Stacked Wallet

Frequently asked questions

Can I pay any NZ bill with Stacked?

Yes. Stacked Bill Pay works with any New Zealand biller that accepts bank transfers — power companies, internet providers, landlords, phone plans, insurance, and more. You hold Bitcoin, Stacked converts the exact amount to NZD and pays the biller on your behalf.

How does Stacked Bill Pay work?

You enter the biller's details in your Stacked wallet — account number, amount, and due date. Stacked debits the Bitcoin equivalent from your wallet at the current exchange rate and sends NZD directly to the biller via bank transfer. It's that simple.

What fees does Stacked charge for bill payments?

Stacked charges the standard 1% conversion fee on the Bitcoin-to-NZD exchange, plus any applicable bank transfer fee. There are no additional bill pay markups or subscription fees.

Does the biller need to accept Bitcoin?

No. The biller receives NZD via standard bank transfer — they don't need to know or care that you paid with Bitcoin. Stacked handles the conversion behind the scenes.

Can I save regular billers in Stacked?

Yes. Stacked Bill Pay is designed so you can save biller details and reuse them for future payments. That makes recurring NZ bills like rent, power, internet, and phone payments easier to pay from your Bitcoin balance.

Ready to start stacking?

From $6 NZD. No minimum to hold. Self-custody from day one. Your keys, your Bitcoin.

Create your free account

FSP1005773 · Based in Queenstown, NZ