Deposit and withdrawal methods
Suretiform supports the payment methods New Zealanders actually use, all in New Zealand dollars. Every method is free from our side: no deposit fee, no withdrawal fee, no per-transaction platform charge. The only costs you might ever see are third-party ones, such as a fee your own bank charges, and those would appear on your bank statement, not from us.
Choose a method once and the platform remembers it; withdrawals must return through the same method you deposited with, which is a standard protection against money laundering. Processing times below are realistic ranges we ask you to plan around, not best-case marketing numbers.
Withdrawal methods
Requests are submitted from your dashboard and reviewed against verification requirements before release.
| Payment method | Type | Fee | Processing time | Description |
|---|---|---|---|---|
| Bank transfer (direct credit) | Bank transfer | Free | 1–5 business days | Withdrawals are credited directly to your New Zealand bank account. The first withdrawal to a new account number triggers a confirmation call for your protection. |
| Visa | Debit/credit card | Free | 1–5 business days | If you funded your account with a Visa card, withdrawals can usually be returned to the same card. Final crediting depends on your card issuer and bank. |
| Mastercard | Debit/credit card | Free | 1–5 business days | Withdrawals return to the Mastercard used for deposits where your issuer supports it. Timing depends on the issuer and payment operator. |
| PayPal | Digital wallet | Free | Within 24 hours | Withdrawals go to your PayPal balance, usually within 24 hours of approval, and can then be moved to your bank or spent as you normally would. |
Deposit methods
Deposits are credited as soon as the provider confirms them. Your personal manager can walk you through your first one.
| Payment method | Type | Fee | Processing time | Description |
|---|---|---|---|---|
| Bank transfer (direct credit) | Bank transfer | Free | 1–3 business days | Direct credit from any New Zealand bank account. Include your reference code so the deposit is matched to your account automatically; first deposits may wait for bank clearing. |
| Visa | Debit/credit card | Free | Within 24 hours | Fund with a Visa debit or credit card. After successful authorisation the deposit usually lands the same day, and some banks add a verification step through Visa Secure. |
| Mastercard | Debit/credit card | Free | Within 24 hours | Deposit with a Mastercard debit or credit card. For your protection, additional identity checks through Mastercard Identity Check may appear on first use. |
| PayPal | Digital wallet | Free | Instant | Connect your PayPal account, with a card or bank account behind it, and deposits are confirmed instantly after you approve the payment. |
How to read these tables
Processing time means the period from a completed request or confirmed payment to the money being usable: for deposits, usable on the platform; for withdrawals, on its way with the provider that pays you. "Within 24 hours" describes our handling, not a promise about your bank; "1-5 business days" is the honest outer envelope that card issuers and New Zealand banks work within, and most arrive at the faster end. Weekends and public holidays are not business days, and a Friday-evening card request realistically lands early the following week.
For a first deposit, allow a little extra patience on two fronts: your bank may treat a first payment to a new recipient with its own security check, and the platform runs enhanced matching on the first deposit from a new method. Neither is a delay you pay for; both are protections that make the second and every later deposit boring, which is exactly what money movement should be.
Before you move money
Before you move money
Identity verification is completed before your first withdrawal, and we recommend finishing it right after registration so nothing delays you later. Withdrawals must go to an account or wallet in your own name, matching your verification documents; third-party payouts are not possible under our AML/KYC policy.
Full conditions, limits and the reasons a request can be delayed are described on the Withdrawal Policy page, and the fee side of things, including minimums per plan, is on Fees & Pricing. If a deposit has not appeared within the quoted time, email [email protected] with the reference code and we will trace it for you.