Trade at the rate you see
Buy and sell with the spread included in the quoted rate. Nothing extra appears at checkout, and the app confirms the final figure before you pay.
Personal
One app for everything you do with crypto.
Buy, sell and spend digital assets in New Zealand or Australian dollars. Verify once, hold the major assets, and pay like it is money, because it is.
BTC 
ETH 
USDT 
USDC 
SOL 
PIN 
XRP 
BNB 
ADA 
LINK 
DOGE 
LTC 
DOT 
AVAX Everything in one wallet.
No hardware wallets and no jargon. Your assets live in an app that feels like banking, valued in NZD or AUD and updating as the market moves.
Spend it like money
Top up your PIN Web3 Mastercard® from any wallet balance and pay anywhere, online or in store.
Gift cards, bills and offers
Prezzy cards, gift cards from leading brands, PIN Bill Pay and in-app offers, all from the same balance.
Safe by design
Verify once, keep control of your account, and read plain-language guidance in the security centre whenever you need it.
Curious what it costs? Read fees in plain words →
Everything you can do in the app.
Buy cryptocurrency
Quickly and easily using our exchange and various deposit methods.
Speedy cash-outs
Direct from wallet to bank account, making PIN the ideal off-ramp solution.
Bridge on tokens
From another wallet or platform easily, and in most cases you don't need to convert.
Swap assets with ease
Our cross-chain in-app exchange feature is gasless, meaning you save on every swap.
Multi-currency spending
Spend crypto directly from your wallet to the merchant.
Buy gift cards
Through the SHOP menu you gain access to gift cards from over 600 retailers.
Debit card solutions
Access prepaid Visa Prezzy cards and the new Activ Visa eGiftcard.
Enhanced safety
2FA and password reset, so you never lose access to your account.
We are locally banked
Cash out to your local bank account.
With local banking partnerships in New Zealand and Australia, Pay It Now provides fast and efficient cash-outs directly to your registered bank account, and our low fees make the PIN Network one of the most affordable ways to turn cryptocurrency into cash.
- Have funds deposited into your local bank account in as little as 30 minutes*
- Bridge on assets from any external wallet or platform, then cash out the full amount at once or in smaller withdrawals
- Funding options include POLi Pay (NZ), Stripe card payments (NZ & AU) and manual bank deposit
*Withdrawal times vary by bank. For large orders we may request additional information such as proof of funds. POLi deposits in New Zealand are limited to one transaction every 3 hours. Fees vary by payment provider, see our fees.
Cash-out Crypto → Bank As little as 30 minutes to your local account
Fair pricing
No trading fees. No forex fees. Just fair pricing.
We believe buying crypto should be as easy as buying milk from the supermarket. We don't charge separate trading, service or forex fees when you buy or sell. Instead, we quote a buy price and a sell price, with the spread built into the rate shown to you.
Buy with POLi Pay in New Zealand or bank transfer in Australia, choose from 50+ cryptocurrencies, and hold, withdraw or spend as you please. For institutional and commercial clients, OTC trading is available for regular transaction volumes of US$250,000 or more.
Supported currencies in-app
NZDAUDUSDSGDPGK
The wallet also supports the New Zealand, Australian, US and Singapore dollars and the Papua New Guinea Kina, enabling price stability and cross-border payments without hefty conversion fees.
Rewards
Refer a friend, get rewarded.
For every friend or family member you invite to join the PIN Network, you'll earn $1 NZD worth of PIN Rewards tokens, ready to spend immediately at participating PIN Merchants. Every account includes a unique referral code, found in the Settings menu.
$1 NZD in PIN Rewards for every referral
Up to $500 Spin the wheel when you transact, for a shot at winning PIN Rewards
$1 USD Each PIN Rewards token is worth the equivalent of one US dollar
Prefer a bigger screen? The Online Web App (beta) is open, with the same wallet and exchange in your browser.
Website login