# Donation crowdfunding · New Zealand

Which platform delivers the most of every dollar to New Zealand recipients — and how the donation tax credit changes what a $100 gift is really worth.

New Zealand runs on cards: debit and credit cards carry the bulk of online donations, with contactless payWave, Apple Pay and Google Pay growing fast on mobile. There is no single low-cost local rail the way the Netherlands has iDEAL, though bank-to-bank options like Online EFTPOS and Account2Account exist — so the per-donation story leans less on payment method and more on one mechanism: the donation tax credit.

Gifts to an IRD-approved donee organisation earn the donor a tax credit of one third — 33.33% — of the amount given over $5. A genuine local platform that issues clean, receipt-ready donation records helps donors claim that credit through myIR, which is worth far more to a New Zealand supporter than a few basis points on processing fees.

Charities are registered with Charities Services, part of the Department of Internal Affairs; equity and financial crowdfunding sit under the Financial Markets Authority (FMA). Donor data is governed by the Privacy Act 2020, overseen by the Office of the Privacy Commissioner.

## Facts

|  |  |
| --- | --- |
| Currency | NZD |
| Regulators | Charities Services (DIA), Financial Markets Authority (FMA) |
| Payment methods | card, online-eftpos, account2account, paypal, apple-google-pay |

## Platforms

1. **WhyDonate** — £98.35/£100 · Nonprofits — 0% platform fee, transparent pricing
2. **Raisely** — £98.30/£100 · Australian, UK and North American charities and nonprofits that want fully customizable, white-label peer-to-peer and recurring-giving campaigns, full ownership of their donor data and no lock-in contracts.
3. **JustGiving** — £97.80/£100 · UK charities and individual fundraisers who want a recognised, no-platform-fee donation platform with Gift Aid support and a fully free direct-donation option.
4. **Donorbox** — £94.55/£100 · Embeddable donation forms with receipting
5. **Fundraise Up** — £93.50/£100 · Mid-size and large nonprofits running international online fundraising that want to maximize donation conversion with modern wallets, local payment rails, and multi-currency checkout.
6. **GoGetFunding** — £92.80/£100 · Individual fundraisers running personal, medical, or emergency campaigns who prefer a fundraiser-paid platform fee over donor tipping, with broad international country availability.
7. **Chuffed** — £92.20/£100 · Nonprofits, social enterprises, and community-cause organisers in 29 supported countries who want a 100%-free, tip-funded platform and are willing to complete identity verification before launching.

## FAQ

### Which platforms work in New Zealand?

Local donation platforms such as Givealittle pay out directly to verified New Zealand bank accounts, while global names like GoFundMe also operate here; Boosted serves arts projects and PledgeMe handles reward and equity campaigns. Because card dominates, the New Zealand ranking leans on clean donation receipts and local payouts as much as on processing fees.

### Are donations tax-deductible in New Zealand?

New Zealand uses a tax credit rather than a deduction: if you give over $5 to an IRD-approved donee organisation and get nothing of material value in return, you can claim 33.33% of the gift back through myIR, up to your taxable income for the year. Gifts to individuals or non-donee organisations don't qualify.

### Will I be taxed on money I raise?

Genuine donations to a personal cause are generally not taxable income, and New Zealand has no gift duty. It changes if backers receive goods or services in return, or if you're effectively running a business — then it can be taxable income and GST may apply. Registered charities are income-tax exempt.

### What's the cheapest way to receive donations here?

Because card is the dominant rail, processing fees are broadly similar across platforms. Bank-to-bank options like Online EFTPOS or Account2Account can cost less where supported, but the bigger lever is receipting the gift cleanly so donors can claim the 33.33% credit.