This article lists the best cryptocurrency exchanges to buy Bitcoin in New Zealand. We have reviewed 70+ crypto exchanges and narrowed it down based on important user factors such as ease of use, deposit methods, trading fees, security and customer support.
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Top Crypto Exchanges In New Zealand (NZ)
Based on our reviews, these are the best cryptocurrency exchanges for NZ:
- Swyftx (best exchange overall)
- Binance (best for altcoins)
- Coinbase (best for debit card)
- Digital Surge (best for beginners)
- Gemini (best for wallet)
- Independent Reserve (best for NZD deposits)
- Plus500 (best for crypto CFDs)
- Easy Crypto (best local exchange)
- BitPrime (best for customer support)
- ZebPay (best for zero deposit fees)
NZ Crypto Exchange: Comparisons
This comparison guide provides an overview of the best cryptocurrency exchanges in New Zealand to buy, trade, store and sell Bitcoin and other altcoins. We note that some exchanges require you to own a Bitcoin hardware wallet such as the Ledger Nano X. If you don't have a wallet, read our guide on the best cryptocurrency hardware wallets.
Exchange | Crypto Assets | Trading Fee | Rating | Promotion | Website | Review |
|---|---|---|---|---|---|---|
 Swyftx | 270+ | 0.6% | 5/5 | Free $10 BTC after sign-up | ||
 Binance | 300+ | 0.1% | 4.8/5 | 20% off trading fees | ||
 Coinbase | 46 | 0.5% | 4.7/5 | None available at this time | ||
 Digital Surge | 260+ | 0.5% | 4.6/5 | Free $10 BTC after sign-up | ||
 Gemini | 26 | 0.5% | 4.6/5 | Free $10 BTC when buy/sell > $100 | ||
 Independent Reserve | 24 | 0.5% | 4.2/5 | None available at this time | ||
 Plus500 | 12 | Spread only | 4.2/5 | None available at this time | Disclaimer: Your capital is at risk | |
 Easy Crypto | 145 | 0.5% - 1.8% | 3.9/5 | None available at this time | ||
 Zebpay | 9 | 0.4% | 3.8/5 | None available at this time | ||
 BitPrime | 150+ | 2% - 2.9% (includes all costs) | 3.6/5 | None available at this time |
Best NZ Crypto Exchanges: Reviews
Here is our summary of the top Bitcoin & cryptocurrency websites in New Zealand. For an in-depth of each exchange, click on the exchange review links below. If you still can't find what you're looking for, there is also the option of using a global fiat-to-crypto service which will commonly accept other deposit methods such as debit or credit card, PayPal and even Amazon Gift cards.
1. Swyftx
Founded in 2019, Swyftx is an Australian cryptocurrency exchange with over 350,000 users that has expanded to New Zealand. Residents can buy, sell and swap more than 280 digital currencies which can be bought and sold using a beginner-friendly, sleek and feature-rich platform that is optimized for desktop and mobile devices.
SPECIAL PROMOTION: Create an account using our link to get $10 Free Bitcoin.
Swyftx NZ offers excellent features that will suit various types of investors such as rapid deposits and withdrawals, portfolio tracking, recurring orders, low trading fees, demo mode and price alerts. Overall, Swyftx is our best rated cryptocurrency exchange in New Zealand to buy crypto with New Zealand Dollars (NZD) and deposits via local bank transfers.
Swyftx NZ is our best rated exchange overall due to the simple onboarding process of creating an account, completing ID verification depositing funds and purchasing cryptocurrencies. The exchange has been built to eliminate frustrations on other well-established New Zealand crypto exchanges and provide a visually appealing experience. Swyftx NZ also does not require new users to upload ID documentation or take selfies for a new account to be approved.
The exchange provides a highly responsive customer service with 11 support staff including a local team in NZ to assist via phone, email, live chat or Telegram. Swyftx has received a 4.7/5 star rating according to Trust Pilot reviews based on 2,300 user reviews and comments. 88% of customer feedback on the trading platform, mobile app and customer service has been rated as excellent. This is a good reflection of the customer service for its new and existing users.
The platform offers the most crypto assets in New Zealand and is packed with excellent features such as an easy to use a mobile app, tax calculator and dollar cost averaging tools. The desktop and mobile application has been designed for beginners and intermediate investors to get started with digital currencies. The trading experience is very simple on a fully customisable dashboard that can be tailored to suit each investor.
Features:
overall
Ease of use
Reputation
Deposit methods
Fees
2. Binance
Binance is the largest cryptocurrency exchange to buy, trade and sell more than 150+ digital assets. The popular trading platform has seen a meteoric rise since being founded in 2017 to become one of the most widely and highest trading volume exchanges in the world. The exchange supports NZ customers to buy, trade and sell cryptocurrencies using New Zealand Dollars.
Binance is one of the cheapest crypto platforms to buy, sell and trade with lower fees between 0% and 0.1% compared to other exchanges. The cryptocurrency exchange offers a wide range of financial services and advanced features that include:
- Allows users to buy crypto using a wide range of currencies
- Supports multiple payment options such as bank deposit and credit/debit card
- Basic and advanced trading charting to suit users of varying skill
- Margin trading platform to trade crypto with leverage
- Derivatives and leverage tokens
- A secure Binance wallet to store cryptocurrency assets
- Binance offers a saving accounts to earn interest on crypto
- Crypto loans and Binance staking pools
- Binance VISA Card to covert and pay with crypto
Features:
overall
Ease of use
Reputation
Deposit methods
Fees
3. Coinbase
Coinbase is the most popular Bitcoin exchange in the world that is available in New Zealand for local residents to buy, trade and sell cryptocurrency using a bank transfer, credit or debit card. Coinbase offers a secure wallet to store your newly purchased cryptocurrencies so you can buy and sell popular digital currencies and keep track of them all in the one place.
Coinbase is also one of the safest cryptocurrency exchanges with no reported hacks or compromises of the security systems and wallets resulting in any loss of funds due to criminal activity.
Features:
Ease of use
Reputation
Deposit methods
Fees
4. Digital Surge
Digital Surge is a Brisbane based digital currency exchange that has expanded to offers its digital currency services to residents within New Zealand. The crypto exchange has been specifically designed to suit beginners that are looking to get started with crypto assets such as Bitcoin, Ethereum, XRP and DeFi tokens. Digital Surge NZ allows residents to deposit AUD funds using ANZ Bank via PayID and POLI payments.
Digital Surge is our best rated exchange for beginners due to its sleek, modern and elegant user interface. The exchange features a portfolio viewer to show the overall investment performance on desktop or mobile devices. Customers can monitor their favourite coins within a personal Watchlist to quickly see which coins are performing the best (and worst) with the Top Gainers list. An easy click through on any of them will transfer to a full detail page of each asset.
Features:
Ease of use
Reputation
Deposit methods
Fees
5. Gemini
Gemini is a New York-based firm and regulated cryptocurrency exchange that was founded by the Winklevoss twins. The company provides a legitimate cryptocurrency exchange that accepts investors from New Zealand using NZD.
The website is the best crypto exchange for safety in in our opinion. Gemini provides a secure place for individuals, traders and institutions to buy, sell, and store digital currencies and also earn interest. Notable features include an advanced trading platform, custody service, secure wallet, mobile trading app and off-exchange crypto trades.
Features:
overall
Ease of use
Reputation
Deposit methods
Fees
6. Independent Reserve
Independent Reserve is a popular exchange among cryptocurrency traders around the world that offers trading competitive fees and support for traditional fiat currencies such as the the New Zealand Dollar (NZD). Residents in New Zealand can buy/sell 24 of the major cryptocurrencies and popular DeFi tokens using SWIFT.
Features:
overall
Ease of use
Reputation
Deposit methods
Fees
7. Plus500
Plus500 is one of the best CFD providers in Shares, Indices, Forex, ETFs, Options, and Indices. The platform offers the ability to buy CFD's of popular cryptocurrencies such as Bitcoin, Ethereum, Litecoin, Neo, Ripple XRP, EOS, Cardano, Tron and Monero. While Plus500 does not offer the actual crypto asset, traders in New Zealand can speculate on crypto prices and earn potential profits in NZD (Disclaimer: Availability subject to regulation).
Features:
overall
Ease of use
Reputation
Deposit methods
Fees
Disclaimer: Your capital is at risk
8. Easy Crypto
Easy Crypto is wholly New Zealand owned and operated crypto exchange in New Zealand that provides an online service for Kiwis to buy and sell cryptocurrency. Easy Crypto provides a quick and easy way to convert NZD to Bitcoin using a bank transfer or POLi. Purchased Bitcoins are sent directly to a hardware wallet such a Ledger Nano X. The non-custodial nature of Easy Crypto eliminates the potential for crypto exchange hackers as funds are not stored by the platform.
Features:
overall
Ease of use
Reputation
Deposit methods
Fees
9. ZebPay
Zebpay is a well known digital currency exchange that provides a means for users to convert fiat currency into cryptocurrency. Buyers and sellers have access to the major cryptocurrency assets on the platform. ZebPay supports 163 different countries all across the world including New Zealand through a simple to use desktop and mobile trading app.
Features:
overall
Ease of use
Reputation
Deposit methods
Fees
10. BitPrime
BitPrime is a New Zealand based cryptocurrency exchange that is registered and licenced under local regulations. The exchange supports beginners and high-net worth investors with special Over-The-Counter rates for high volumes. The quoted trading fees includes all costs such as bank charges, foreign exchange fees and slippage.
Features:
overall
Ease of use
Reputation
Deposit methods
Fees
How To Spend Bitcoin & Crypto In NZ
Investors that want to spend Bitcoin and cryptocurrency in New Zeanaldn to buy goods, services or even pay a bill can use the following methods:
- Transfer crypto from an online wallet, mobile phone wallet or hardware wallet to the recipients address
- Use a cryptocurrency debit card to send cryptocurrency to merchant. Some exchanges offer Bitcoin debit cards that can be used to spend crypto like cash
- Shop at vendors that support cryptocurrency payments using a Bitcoin point-of-sale terminal
- Sell cryptocurrency using an exchange and withdraw funds in AUD to a bank account
- Use an exchange that allows users to pay bills directly
- Withdraw cash from a local Bitcoin ATM in New Zealand
Where To Store Cryptocurrency
Storing cryptocurrency using a New Zealand Bitcoin or cryptocurrency exchange is risky for several reasons. The most obvious vulnerability is the risk associated with online scams and hackers. As the security of the asset is left to the exchange, the investor has no control over the security of their investment.
In our opinion, the best way to store cryptocurrency assets such as Bitcoin, Ethereum and Litecoin is on a reputable cryptocurrency hardware wallet which is kept under the possession of the investor. Some of the most popular Bitcoin and cryptocurrency hardware wallets are the Ledger Nano X, TREZOR T and CoolWallet Pro.
Using a digital hardware wallet provides an airlock between internet-connected devices and the asset. The private keys give access rights to the cryptocurrency (send, transfer and receive) is kept on the wallet. Even if the hardware wallet is damaged, lost or stolen, the funds can be recovered using several backup options.
For complete peace of mind, buying a Bitcoin hardware wallet is a small price to pay.
Wallet | Dimension | Rating | Price | Website |
|---|---|---|---|---|
 | 72mm x 18.6mm x 11.7mm | 5/5 | $119 USD | |
 | 56.9mm x 17.4mm x 9.1mm | 4.5/5 | $59 USD | |
 | 64.0mm x 39.0mm x 10.0 mm | 4.3/5 | $159 USD | |
 | 60.0mm x 30.0mm x 6mm | 4.1/5 | $59 USD | |
 | 38 mm x 93.5mm x 12.2 mm | 3.6/5 | $49 USD |
Frequently Asked Questions
Is Cryptocurrency Legal In NZ?
Like most countries in the world, the NZ Government does not consider Bitcoin or crypto illegal, meaning it can be bought and sold on exchanges if proper anti-fraud measures are adhered to. It legal to purchase Bitcoins, however customers should always check with a financial advisor before making an investment. For more information on where Bitcoin is legal and illegal, read our article which lists each region that has declared Bitcoin as legal tender.
What's The Lowest Fee Cryptocurrency Exchange In New Zealand?
Finding a low fee cryptocurrency exchange is a popular requirement for beginners and experienced investors. One of top rated crypto exchanges with the lowest fees is Binance, with costs between 0% and 0.1% for all buy and sell orders. Competitor exchanges can charge trading fees up to 1% per transaction which can add up in the long run.
What Deposit Method Should I Use In NZ?
When selecting a crypto exchange, it is important to ensure the platform supports your preferred deposit method. To convert NZD into BTC, the most common deposit methods are:
- Credit Card / Debit Card
- Bank account or bank transfer (EFT)
- Cash deposit
- PayPal
Using a credit/debit card to purchase Bitcoin on platforms such as Coinbase and eToro are the fastest ways to own the asset, however incur slightly higher fees. Bank account transfer is a reliable method which can take 1 to 3 days to complete the transaction.
Can You Buy Crypto With A Credit Card In New Zealand?
Credit cards are commonly used to make purchasing online, so it's no surprise that its a popular method to buy crypto. Not all exchanges available in NZ provide this deposit method so residents will need to use a global crypto exchange such as Binance, Coinbase, eToro, Changelly and ChangeNOW. The fees are slightly higher than other payment methods.
Can You Buy Bitcoin In New Zealand With A Bank Transfer?
The best way to buy crypto in New Zealand is using Bank Transfer (EFT). It is the most popular and cost effective method available. Purchasing crypto using a bank transfer generally has the lowest fee's, fast transaction time and has higher daily limits.
Conclusion
To conclude our article on the best crypto exchanges in New Zealand, we believe the above exchanges are the best places to buy Bitcoin in NZ. Our research is based on trustworthiness, safety, trading fees and support NZD or debit/cards.
It is our own opinion and recommendation to stick with well-established and reputable exchanges when it comes to investing in cryptocurrencies. Our top rated crypto platforms in NZ have demonstrated this and used by millions of customers worldwide.
Now its your turn to comment.
Have you used any of these NZ Bitcoin exchanges?
What was your experience?
Which Bitcoin exchange in New Zealand would you recommend?
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