O
About
Sharesies is a comprehensive personal finance and investment platform designed for New Zealand and Australian residents. It consolidates multiple financial products — including share investing, KiwiSaver retirement savings, cryptocurrency trading, a rewards debit card, savings accounts, and insurance — into one unified experience. Users can invest in thousands of companies, ETFs, and managed funds across NZ, US, and Australian markets. The platform supports both self-directed investing and Advised Portfolios — expert-curated portfolio recommendations tailored to personal wealth-building goals. Auto-invest features let users set recurring investments on autopilot with minimal effort. The Sharesies KiwiSaver Scheme gives members greater control over their retirement savings, with eight base funds ranging from conservative to high growth, plus the ability to self-select from 150+ individual companies and ETFs. Crypto trading supports major digital currencies for those seeking exposure to digital assets. Additional offerings include a Sharesies Debit Mastercard with 1% Investback on spending, a PIE savings account (2.05% p.a.), car and pet insurance, and will-writing services. Kids' accounts and business accounts broaden its appeal beyond individual investors. With a 4.7/5 app rating and over a million customers, Sharesies makes wealth management accessible to beginners and experienced investors alike.
Key Features
- Multi-Market Investing: Access thousands of shares, ETFs, and managed funds across NZ, US, and Australian markets from a single account with fractional investing from as little as $1.
- KiwiSaver Management: Manage your KiwiSaver retirement fund with a choice of eight base funds or self-select from 150+ individual companies and ETFs for a personalised retirement strategy.
- Advised Portfolios: Receive expert-curated portfolio recommendations tailored to your personal wealth-building goals and risk profile, removing the guesswork from investing.
- Spend & Earn Investback: Use the Sharesies Debit Mastercard for everyday purchases and earn 1% Investback directly credited to your investment portfolio, including via Apple Pay.
- Crypto & PIE Savings: Buy, hold, and sell major cryptocurrencies alongside a no-minimum PIE savings account offering 2.05% p.a., keeping all your financial goals under one roof.
Use Cases
- A first-time investor in New Zealand starts building a diversified portfolio with as little as $1 across NZ, US, and Australian shares using the intuitive Sharesies app.
- A parent sets up a Kids Account on Sharesies to teach their child about investing while growing savings for their future education or goals.
- A KiwiSaver member switches to Sharesies to gain greater control over their retirement fund by self-selecting individual stocks and ETFs rather than relying on a default fund.
- A busy professional uses Auto-Invest to automatically contribute to their portfolio on a recurring schedule, building wealth passively without constant monitoring.
- An everyday spender uses the Sharesies Debit Mastercard to earn 1% Investback on purchases, seamlessly turning daily transactions into long-term investment contributions.
Pros
- All-in-One Wealth Platform: Combines investing, KiwiSaver, crypto, savings, spending, and insurance in a single app, eliminating the need to juggle multiple financial accounts and providers.
- Accessible to All Investors: Low barriers to entry with fractional investing, kids' accounts, and a rich library of educational resources make the platform ideal for beginners and seasoned investors alike.
- Trusted by Over 1 Million Customers: A proven track record with $12 billion+ in managed wealth and a 4.7/5 average app rating from more than 14,000 reviews signals strong reliability and user satisfaction.
- Automation & Advice Features: Auto-invest and professionally advised portfolios let users build wealth consistently without constant hands-on management.
Cons
- New Zealand & Australia Only: The platform is exclusively available to residents of New Zealand and Australia, making it inaccessible to international investors.
- Fee Structure Can Be Complex: Transaction fees and subscription plan pricing can be confusing for new users, and costs may accumulate for frequent or high-volume traders.
- Limited Advanced Trading Tools: Primarily built for long-term, everyday investors — active traders may find the platform lacking in advanced charting, screening, and analytical capabilities.
Frequently Asked Questions
What is Sharesies?
Sharesies is a New Zealand and Australian wealth platform that lets users invest in shares, manage KiwiSaver, trade crypto, save money, spend via a rewards debit card, and take out insurance — all from one unified app.
Who can use Sharesies?
Sharesies is available to residents of New Zealand and Australia. It supports individual accounts, kids' accounts, and business accounts, catering to a wide range of investors.
Is Sharesies free to use?
Sharesies is free to sign up with access to core investing features. Subscription plans are available for regular investors who want to reduce per-transaction fees and unlock additional benefits.
What markets can I invest in through Sharesies?
You can invest in companies, ETFs, and managed funds listed on NZ, US (including NYSE and NASDAQ), and Australian stock exchanges.
How does KiwiSaver work on Sharesies?
The Sharesies KiwiSaver Scheme lets you choose from eight base funds (conservative to high growth) or self-select from 150+ individual companies and ETFs to fully customise your retirement savings strategy.
