Stacked Fees and Limits

By Stacked

Updated Jul 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% + Bank Fee
• Buying Bitcoin (Manual Bank Transfer) — 2% + Bank Fee
• Selling Bitcoin — 1%

Your Limits

Your buy and sell limits depend on your verification level. Every customer starts as Verified once onboarding is complete, and you can request higher limits from your account at any time.

• Verified (all customers) — photo ID and identity verification. Limits: $20,000 daily, $200,000 monthly.*
• Higher limits (on request) — an account review: some history on your account and everything in good standing. Usually no documents required. Limits: up to $50,000 daily, up to $200,000 monthly.
• Enhanced (on request) — an account review plus source-of-wealth questions, and where needed evidence of your source of funds (see below). Limits: over $50,000 daily, over $200,000 monthly.
• OTC / Private desk — for large orders (over NZ$200k), fully managed by our team. Limits: contact us.
• Merchant — business verification; talk to us about a merchant account. Limits: $50,000 daily; contact us for monthly.

* Starting limits shown are standard limits. In some cases our onboarding and account checks may result in different limits being applied to your account.

How can I raise my Buy or Sell Limit?

You can request a limit increase from your profile in Stacked on the web — click "My Account," then "Request Limit Increase."

For higher limits, we carry out an account review. We generally like to see some activity and history on your account, and that everything is in good standing. In most cases that's all that's needed. For limits beyond the Higher-limits level, we're required to gather more information from you for compliance reasons — we'll ask some questions about your source of wealth, and where necessary, where the specific funds you're using have come from. You may also be asked to provide evidence of this.

Transaction Limits

Separate from your daily and monthly limits, a single-transaction limit of $10,000 applies to Lightning transactions only. On-chain transactions and in-app transactions using your Stacked balance are limited only by your daily limit — there is no separate per-transaction cap on them.

• On-chain (sends from Stacked Web or Stacked Wallet) — no single-transaction cap; daily limit only.
• In-app (buy, sell, bill pay or autobuy in Stacked Wallet using your Stacked balance) — no single-transaction cap; daily limit only.
• Lightning (your Stacked Wallet Lightning address, any external Lightning wallet, or a manual withdrawal from Stacked Web) — $10,000 per transaction.

Buying

There are three things worth understanding when you buy.

1. Transaction size — depends on how your bitcoin is delivered:

• On-chain (to an external wallet) — limited only by your daily limit.
• In-app, into your Stacked Wallet balance — limited only by your daily limit.
• Lightning — $10,000 per transaction.

2. Instant Payout Limit — for most purchases we deliver your bitcoin instantly, before your bank payment has fully cleared to us. How much we can deliver instantly depends on your payment method and your history with us:

• Akahu — up to $500 instantly on a newly connected bank account, increasing to $10,000 as you build a payment history with that account.
• POLi — up to $200 instantly for new accounts, increasing to $10,000 as you build a payment history with that account.
• Manual bank transfer — not applicable; your bitcoin is delivered once your funds arrive with us and are reconciled to your order.

3. Rate lock — when your price is locked in:

• Akahu and POLi — your rate is locked as soon as your order is confirmed.
• Manual bank transfer — your rate is locked when we process your payment.

Selling (including Bill Pay)

There are three things worth understanding when you sell.

1. Transaction size — depends on your payment method:

• Lightning (including using Stacked Wallet with an order started on the web) — $10,000 per transaction.
• In-app, from your Stacked Wallet balance — limited only by your daily limit.
• On-chain, from an external wallet (started in Stacked Web or Stacked Wallet) — limited only by your daily limit.

2. Rate lock:

• Lightning and in-app sells — locked instantly.
• On-chain — locked after 3 confirmations.

3. Payout timeframe — when the NZD reaches your bank:

• Lightning and in-app sells — typically ~1–3 hours during banking hours; next business day guaranteed.
• On-chain — typically ~1–3 hours after your rate is locked (so ~2–4 hours in total) during banking hours; next business day guaranteed once 3 confirmations are reached.

A note on Bank Limits

Some banks apply their own limits on payments to us via Open Banking. These are set by your bank, not by Stacked, and they vary from bank to bank. If a payment is capped or blocked by your bank, please contact them or try another payment method. We'll keep this section up to date as we see these limits enforced.

ANZ - Payments via Akahu - NZ$1,000 per Transaction

Documenting Source of Wealth

If you request limits beyond the Higher-limits level, we'll ask about your source of wealth, and where necessary, the source of the specific funds you're using.

Buying Bitcoin with NZD

When buying bitcoin, your source of wealth will likely be tied to one of these sources. When asked, you may document it with one of these examples:

• Income from your employment — payslips, tax returns, or contracts as evidence of your employment.
• Investment profits or dividends — statements, or property sale agreements.
• Inheritance — tax returns, bank statements that demonstrate deposits, or a will.
• Business profits — financial statements, or tax returns.
• Savings — bank statements.

In some cases, the source of the specific funds you will use to purchase bitcoin may be required; in that case, we will advise if additional documentation is needed.

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 back 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 — exchange transaction history, bank statements with deposits to the exchange, or wallet balance / transaction history.
• Employment or work income — contracts of employment.
• Mining — mining records from your pool.
• Purchased via P2P markets — transaction history (if available), bank statements showing payments to sellers, or wallet balance / transaction history.