Buying & selling in the app No separate trading fee The spread is included in the rate you are quoted, so the figure on screen is the figure you pay.
Fees
Fees in plain words.
No small-print games. The rate you are quoted is the rate you pay, and the numbers that matter are on this page.
Buying & selling in the app No separate trading fee 
Merchants accepting crypto 0% merchant transaction fee Take payments at the counter or online without a per-transaction cut from us.
In the PIN app No gas fees on buy, sell & swap You do not pay gas fees when you buy, sell or swap in the app.
What “spread included” means
Every quote you see, in the app or from the OTC desk, is the mid-market rate with our spread already applied. There is no separate trading fee added at checkout, and the app always confirms the final figure before you pay.
Making sense of the spread
When you exchange assets in the app, Pay It Now quotes one rate with our spread already applied, instead of charging a separate fee at checkout. The spread varies slightly by asset because market conditions differ, and it covers the costs of running the exchange, the network and the support team. OTC trading is available to institutional and commercial clients for regular transaction volumes of US$250,000 or more.
Forex conversions between NZD and AUD use the same principle: one rate, everything included.
Full fees list
Deposit & buy fees
- Swap / exchange in-app: a small spread is applied, shown before you confirm. No separate trading or forex fee is charged.
- Buy with POLi Pay (NZ bank account): pay only POLi Pay's standard processing fee, up to a maximum of $3.00 NZD (typically 1%), charged by POLi Pay, not Pay It Now.
- Buy with card via Stripe (NZ & AU): $0.50 plus 3% of the total amount, charged by the card service provider.
- Top up NZD via POLi Pay, or manual bank deposit (NZD/AUD): no cost.
- Bridge on / deposit crypto from an external wallet: pay only the network fees charged by the external chain.
Withdrawal fees
- Bridge off / withdraw to an external wallet: network fee set by the external blockchain, varying with congestion. A 1% un-bridge fee plus network fees applies.
- Cash out crypto to a NZ or AU bank account: where a conversion is required, the quoted rate includes the applicable spread.
- Withdraw NZD, AUD or PGK to a verified bank account: supported in-app.
- International withdrawals (non NZ/AU): $4 to $10 (USD) per transaction, plus banking-network conversion fees.
- Reversed deposits: a fee may apply where a deposit needs reversing due to incorrect details; standard withdrawals are unaffected.
Merchant fees
- Merchant transaction fee: 0%
- Sign-up and monthly costs: free and zero
- Online integration: free for standard and Shopify websites; complex integrations may carry a fee by scope
- Processing a refund: no fee
- Cash-out to a business bank account: no merchant spread charged, including conversion to NZD or AUD
- POS integration: no charge for software activation on supported providers; hardware and terminal hire are charged separately by the POS providers
Forex, network & SHOP fees
- Forex: no separate foreign exchange fee for in-app conversions; the rate shown includes the applicable spread.
- Network fees: none on transactions made with the PIN App, because the network runs on our own Layer-2 infrastructure.
- SHOP Menu: gift cards and vouchers at face value; card issuing fees are shown in the app before you order.
The authoritative, dated fee schedule lives in the legal register and in the app. Figures on this page are a plain-language summary.
The full fee schedule, per product and country, is published on our fees page and in the legal register. Every figure is dated and reviewable.