Head to your Wall St or AUS dashboard in the ‘Invest’ tab and tap ‘Add’ next to your buying power
Enter the amount you want to deposit
Select ‘Bank transfer’ under ‘Deposit with’
You’ll then see the bank account details to use when making the payment from your bank
Head to your bank and use the bank account details provided to send the funds
Once you’ve made the transfer, head back to the Stake app and tap ‘I’ve made a transfer’ to confirm and finalise your deposit.
Go to your Wall St or AUS dashboard in the ‘Invest’ tab and click ‘Add funds’ > ‘AUD/USD balance’
Or, head to your Balances page via the Wallet icon at the top right
Enter the amount you want to deposit
Select ‘Bank transfer’ under ‘Deposit with’
You’ll then see the bank account details to use when making the payment from your bank
Once you’ve made the transfer, click ‘I’ve made a transfer’ to confirm and finalise your deposit
Your Stake deposit account is unique to you, so there’s no need to include a description or reference.
We don’t accept third-party deposits.
Make sure any funds are transferred from a bank account in the same name as your Stake account. If we receive a deposit from an account that doesn’t match your Stake account name, we’ll reject it and return the funds to the original sender.
Returned funds can take up to three business days to appear back in the sending account, depending on the financial institution.
Go to your Wall St or AUS dashboard and tap ‘Add’ next to your buying power
Enter the amount you want to deposit
Select ‘Debit/Credit card’ under ‘Deposit with’
Enter your card details (you can save them for future deposits)
Confirm your deposit.
Go to your Dashboard and click ‘Add funds’, then select either ‘AUD balance’ or ‘USD balance’
Or, access your Balances page via the Wallet icon at the top right
Enter the amount you want to deposit
Select ‘Debit/Credit card’ under ‘Deposit with’
Enter your card details (you can save them for future deposits)
Confirm your deposit.
Go to your Wall St or AUS dashboard and tap ‘Add’ next to your buying power
Enter the amount you want to deposit
Select ‘Google Pay’ or ‘Apple Pay’ under ‘Deposit with’
Follow the prompts to confirm your deposit.
Go to your Dashboard and click ‘Add funds’, then select either ‘AUD balance’ or ‘USD balance’
Or, access your Balances page via the Wallet icon at the top right
Enter the amount you want to deposit
Select ‘Google Pay’ or ‘Apple Pay’ under ‘Deposit with’
Follow the prompts to confirm your deposit.
For security reasons, Stake can only store one set of card details at a time. You can check which card is currently linked to your account by following the steps below.
Tap Manage
Select Accounts
Tap Manage payment methods
Go to Saved cards
Click the dropdown in the top right corner
Select Settings
Choose Manage payment methods
Hover over the card to remove it
To update your card, simply remove the current saved card and add a new one.
If you’re unable to complete this online, tap ‘Still need help’ below and include the following in your request:
The reason for the change
Important: Please don’t include any card details in your message.
Our team will review your request within 24–48 hours and let you know once your account is ready to add a new card.
","user_segment_ids":[]},{"id":52905595306905,"url":"https://stake.zendesk.com/api/v2/help_center/en-us/articles/52905595306905.json","html_url":"https://stake.zendesk.com/hc/en-us/articles/52905595306905-Payment-card-errors","author_id":42191017359129,"comments_disabled":true,"draft":false,"promoted":false,"position":4,"vote_sum":0,"vote_count":0,"section_id":25534143850137,"created_at":"2025-12-01T00:04:28Z","updated_at":"2025-12-03T00:57:15Z","name":"Payment card errors","title":"Payment card errors","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2025-12-01T00:05:26Z","user_segment_id":null,"permission_group_id":21826218026137,"content_tag_ids":[],"label_names":["AUS","NZL"],"body":"The most common reason is using a card we don’t accept. Stake doesn’t support:
AMEX
Stored value cards (e.g. VISA debit gift cards, other brokerage platform cards)
Multi-currency cards
Some cards linked to rewards programs
If you're seeing an error, try using a different card.
Stake only allows one payment card on file. To use a new card, you’ll need to remove the one currently stored.
You can check which card is linked to your account by following these steps:
Tap Manage
Select Accounts
Tap Manage payment methods
Go to Saved cards
Click the dropdown in the top right corner
Select Settings
Choose Manage payment methods
Hover over the card to remove it
Once removed, you’ll be able to add a new card.
If you're unable to update your card online, tap ‘Still need help’ below and include:
The reason for the change
Important: Don’t include any card details in your message.
Our team will review your request within 24–48 hours and confirm once you can add a new card.
","user_segment_ids":[]},{"id":52907117131801,"url":"https://stake.zendesk.com/api/v2/help_center/en-us/articles/52907117131801.json","html_url":"https://stake.zendesk.com/hc/en-us/articles/52907117131801-Transferring-funds-between-Wall-St-and-AUS","author_id":42191017359129,"comments_disabled":true,"draft":false,"promoted":false,"position":5,"vote_sum":0,"vote_count":0,"section_id":25534143850137,"created_at":"2025-12-01T00:49:38Z","updated_at":"2025-12-04T04:16:30Z","name":"Transferring funds between Wall St and AUS","title":"Transferring funds between Wall St and AUS","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2025-12-04T04:16:30Z","user_segment_id":null,"permission_group_id":21826218026137,"content_tag_ids":[],"label_names":["AUS"],"body":"We want to make sure your AUD/USD fund conversions are quick and easy!
On the Stake app, go to Manage > Balances > Convert. On the web, you’ll find Convert on your Wallet page.
The applicable exchange rate will be the rate at the time the funds are received for conversion. Please remember that FX fees apply, so check our Pricing PDF for a detailed breakdown.
Funds are instantly credited as Buying Power (for trading) after we confirm the internal transfer.
It is important to note that this will only be applied to Buying Power; only fully settled funds will be able to be withdrawn.
","user_segment_ids":[]},{"id":52905627783065,"url":"https://stake.zendesk.com/api/v2/help_center/en-us/articles/52905627783065.json","html_url":"https://stake.zendesk.com/hc/en-us/articles/52905627783065-Funding-timeframes","author_id":42191017359129,"comments_disabled":true,"draft":false,"promoted":false,"position":6,"vote_sum":0,"vote_count":0,"section_id":25534143850137,"created_at":"2025-12-01T00:06:11Z","updated_at":"2026-01-12T05:09:25Z","name":"Funding timeframes","title":"Funding timeframes","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-01-12T05:09:25Z","user_segment_id":null,"permission_group_id":21826218026137,"content_tag_ids":[],"label_names":["AUS","26011767475609"],"body":"For most banks, funds are credited to your Buying Power within 5–15 minutes.
If it’s been more than an hour, here’s what to check:
BSB and account number – Make sure you’ve entered your Stake bank details correctly.
Bank holds – Some banks place a hold on first-time or large transfers so they can complete security checks to keep your funds safe. Check with your bank if this applies.
Non-NPP banks – If your bank doesn’t support instant payments, transfers can take 1–2 business days.
If it’s been more than 2 business days (note that public holidays add an extra day or two) and your bank has confirmed the funds have been sent successfully, please send our team a proof of payment by selecting \"Still need our help\" below. You can include a screenshot of the transaction receipt or a bank statement, as long as it shows:
Bank logo
Bank account name
Account number
Bank details the funds were transferred to
Date the transfer was made
Amount
Description/reference.
If you’ve used the wrong bank details for a deposit, contact your bank and request a reversal as soon as possible. If that’s not possible, ask them to initiate a mistaken internet payment process to recall the funds. This process will be handled entirely by your bank.
\nIf funds are transferred to an incorrect account, we’ll make all reasonable efforts to help recover them – but we can’t guarantee they’ll be returned.
\nTo make sure your money lands where it should – and stays secure – always double-check Stake’s bank details in your account before transferring funds. It’s also a good idea to save them in your online banking app to help avoid mistakes and make future deposits easier.
\nThere are two possible fees that may apply when funding your Stake account:
Card funding fee – Applies if you fund using a credit card, debit card, Apple Pay or Google Pay.
FX fee – Applies to currency conversions when transferring between your Stake Wall St and Stake AUS accounts.
For more information on pricing, check out our transparent pricing guide.
","user_segment_ids":[]},{"id":52905752394521,"url":"https://stake.zendesk.com/api/v2/help_center/en-us/articles/52905752394521.json","html_url":"https://stake.zendesk.com/hc/en-us/articles/52905752394521-Maximum-funding-amounts","author_id":42191017359129,"comments_disabled":true,"draft":false,"promoted":false,"position":9,"vote_sum":0,"vote_count":0,"section_id":25534143850137,"created_at":"2025-12-01T00:10:57Z","updated_at":"2025-12-04T04:21:04Z","name":"Maximum funding amounts","title":"Maximum funding amounts","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2025-12-04T04:21:04Z","user_segment_id":null,"permission_group_id":21826218026137,"content_tag_ids":[],"label_names":["AUS","NZL"],"body":"There’s no maximum limit on how much you can deposit into your Stake account.
However, some banks may impose limits on card transactions. If you’re unsure, it’s best to check with your bank directly.
","user_segment_ids":[]},{"id":52906737637529,"url":"https://stake.zendesk.com/api/v2/help_center/en-us/articles/52906737637529.json","html_url":"https://stake.zendesk.com/hc/en-us/articles/52906737637529-Unsupported-funding-methods","author_id":42191017359129,"comments_disabled":true,"draft":false,"promoted":false,"position":10,"vote_sum":0,"vote_count":0,"section_id":25534143850137,"created_at":"2025-12-01T00:38:49Z","updated_at":"2025-12-03T01:12:33Z","name":"Unsupported funding methods","title":"Unsupported funding methods","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2025-12-01T00:38:49Z","user_segment_id":null,"permission_group_id":21826218026137,"content_tag_ids":[],"label_names":["AUS"],"body":"Stake only accepts deposits from bank accounts in your own name. Any transfers received from third-party accounts will be returned to the original sender. This may take several business days depending on the receiving bank
We don’t support the following payment types:
\nBPAY
AMEX
Stored value cards (e.g. VISA or Mastercard debit gift cards, other brokerage platform cards)
Multi-currency accounts
International wire transfers
In-person branch transfers (e.g. cash deposits)
Cheque payments.
Stake doesn’t support direct deposits or withdrawals in USD.
To fund your account, you’ll need to fund in AUD to your Stake USD balance either from a local Australian bank account or convert from your Stake AUD balance. Once the funds arrive, they’re converted to USD and deposited into your U.S. trading account.
If you want to withdraw, your USD balance will be converted back to AUD before being paid out to your linked Australian bank account.
","user_segment_ids":[]},{"id":26013092023961,"url":"https://stake.zendesk.com/api/v2/help_center/en-us/articles/26013092023961.json","html_url":"https://stake.zendesk.com/hc/en-us/articles/26013092023961-Funding-methods","author_id":20351653386265,"comments_disabled":true,"draft":false,"promoted":false,"position":13,"vote_sum":0,"vote_count":0,"section_id":25534143850137,"created_at":"2023-12-05T04:09:32Z","updated_at":"2025-12-03T01:14:35Z","name":"Funding methods","title":"Funding methods","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2025-11-24T23:36:40Z","user_segment_id":null,"permission_group_id":21826218026137,"content_tag_ids":[],"label_names":["NZL","21818306392729","21818306392601","21818306392857","21818306392985","21818306392473","25438475842585"],"body":"You can fund your Stake account via:
How do I deposit on Stake via bank transfer?
You can deposit funds into your Stake Wall St account via bank transfer from a local bank account. The minimum funding amount is NZ$50.
On the Stake App
On web
Please note that when making the transfer, you must enter the correct BSB, Account Number and Account Name.
Yes, follow the steps below to deposit via debit/credit card, Apple Pay or Google Pay. The minimum funding amount is NZ$50.
Credit/debit card
Apple Pay/Google Pay
Please note, that funds will only be available for withdrawal after the underlying deposit has been cleared/reconciled in our main facility account. This process generally takes between 1-2 business days.
Processing fees: All debit card deposits (including Google Pay and Apple Pay) incur a 2% processing fee. Credit card deposits (including Google Pay and Apple Pay) incur a 3% processing fee.
Apart from bank transfers all deposits are instant, even over weekends and public holidays! Please note though, that deposits are instant on our side once we receive the funds from your bank, which is subject to bank processing times.
Processing fees: all debit card deposits (including Google Pay and Apple Pay) incur a 2% processing fee. Credit card deposits (including Google Pay and Apple Pay) incur a 3% processing fee.
Please note, that funds will only be available for withdrawal to your New Zealand bank account after the underlying deposit has been cleared/reconciled in our main facility account. This process generally takes between 1-2 business days.
To claim a starter stock, simply make a first deposit of at least NZ$50 into your Stake account within 24 hours of opening it. You’ll then be able to claim a Nike, Dropbox or GoPro stock on us – yours will be selected at random. For the 24-hour deadline, what counts is the moment you place the transfer, not when the funds arrive.
You can learn more about this offer here. This reward is subject to Stake Wall St Rewards Terms and Conditions.
We keep our fees simple and transparent – you’ll always know exactly what you’re paying. This includes brokerage fees, applicable FX transfer fees, and optional fees (e.g. card fees). You can also find a copy of your charges through any trade/deposit confirmation email or via the Stake platform.
See below for a breakdown of our deposit charges applicable in New Zealand.
| Fee | \nAmount | \n
| Debit Card / Apple Pay / Google Pay | \n2% | \n
| Credit Card / Apple Pay / Google Pay | \n3% | \n
| Bank transfer | \n$0 | \n
| FX | \n1% (US$2 minimum) | \n
| W-8BEN Form (usually US$5 at first deposit) | \n$0 (We cover this fee) | \n
| Trade fees | \n$3 per trade up to $30,000, or 0.01% per trade $30,000 or greater | \n
See our pricing PDF for more information. All fees are in USD.
When trading on the U.S. markets, regulatory fees are involved in selling shares. These are charged independently of your brokerage fees. These additional fees are mandated by governing bodies and are required for trading on U.S. markets.
These sell-side fees are:
You will see these recorded on trade confirmations, as well as in statements in your Tax & Documents section of Stake.
If you invest in an American Depository Receipt (ADR), they may be subject to periodic fees. These fees are intended to compensate the agent bank providing custodial services on behalf of the ADR and usually range between US$0.01 and US$0.03 per share.
You can review ADR prospectuses by searching through SEC's company search.
CAT fees (Covered by Stake)
SEC Rule 613 establishes the Consolidated Audit Trail (CAT), a system designed to track all activity in U.S. markets for National Market System (NMS) securities. CAT requires detailed information about quotes, orders, and related events to be reported to a central repository.
This data helps regulators monitor trading, investigate potential misconduct, and ensure fair markets.For more information, including FAQs and technical specifications, please visit www.catnmsplan.com.
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