Country Guide
Best Crypto Exchanges in New Zealand (2026)
New Zealand offers a crypto-friendly environment with clear regulations. We've tested the top exchanges offering NZD deposits, FMA compliance, and competitive fees for Kiwi traders.
By Itai Varochik | Updated February 21, 2026
Top Exchanges in New Zealand
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | Easy Crypto | NZD purchases | Variable spread | Local (FSP) |
| 2 | Binance | Advanced trading | 0.1% spot | Global |
| 3 | Swyftx | Beginner friendly | 0.6% spread | AU/NZ (FSP) |
| 4 | Independent Reserve | Institutional grade | 0.5% spot | AU/NZ |
| 5 | Bybit | Derivatives | 0.1% spot | Global |
New Zealand has a progressive approach to cryptocurrency regulation. The Financial Markets Authority (FMA) oversees crypto service providers, and several local exchanges offer seamless NZD deposits. Kiwi traders benefit from a clear tax framework and strong consumer protections.
How We Chose the Best Exchanges for New Zealand
We evaluated exchanges on NZD deposit options, FMA registration, trading fees, security standards, available cryptocurrencies, and customer support. Local platforms like Easy Crypto were tested alongside international exchanges.
Key Considerations for NZ Traders
New Zealand's Inland Revenue Department (IRD) treats cryptocurrency as property for tax purposes. Crypto-to-crypto trades and sales that result in profit may be taxable. Choose exchanges that provide clear transaction history for tax reporting.
Payment Methods
NZD bank transfers are widely supported on local exchanges. POLi Payments offers instant bank transfers on some platforms. International exchanges may support credit/debit cards for NZD purchases.
Crypto Regulations in New Zealand
New Zealand regulates cryptocurrency service providers through the Financial Markets Authority (FMA) and requires registration as a Financial Service Provider (FSP). Crypto is treated as property for tax purposes by the IRD. Profits from crypto trading may be taxable if acquired with the intention of disposal. There is no specific crypto-only tax legislation.
Frequently Asked Questions
Is cryptocurrency legal in New Zealand?
Yes, cryptocurrency is legal in New Zealand. Crypto service providers must register as Financial Service Providers with the FMA.
How is crypto taxed in New Zealand?
The IRD treats cryptocurrency as property. Profits may be taxable if you acquired crypto with the intent to sell. Regular traders should consult a tax professional.
Can I buy crypto with NZD?
Yes, local exchanges like Easy Crypto and Swyftx support direct NZD bank transfers. Some international exchanges also support NZD deposits.