New in New ZealandAI · Investing

More and more New Zealand households are discovering a new source of income: the AI their bank never offered them

A new platform that uses artificial intelligence for investing has now been released to the public in New Zealand – Earnfern AI. Access is limited during the launch phase. Our editorial team tested the system for 30 days in advance.

By Michael TurnerFinance desk · Updated · 3 min read

The test set-up in our newsroom — In the newsroom: our editor reviews the 30-day log of test user Tom K. (illustrative image).

AUCKLAND – Few technologies have ever spread this fast: first AI wrote texts (ChatGPT), then it created images (Midjourney) – millions of New Zealanders already use it every day. Only one area has stayed closed to ordinary people until now: investing. Big banks and funds have worked for years with AI systems that analyse the markets around the clock – for private investors, this technology was simply out of reach. Until now.

With Earnfern AI this technology is now officially available in New Zealand – according to the provider, several thousand investors already use it. Because every new user is set up by phone during the launch phase, the number of new accounts per day is limited. Our team checked the system in advance – the complete process: sign-up, set-up by phone and everyday use. As our test user we deliberately chose someone who knows nothing about investing: Tom K. (56), a freight clerk from Hamilton. We wanted to know: can anyone really do it? The short answer: yes.

The 3 biggest benefits of Earnfern AI

No prior knowledge neededActivate an account with starting capital from NZ$450 – an English-speaking adviser helps you by phone, after which the algorithm works on its own.
Available at any timeYour capital and returns are never locked in – withdrawals by bank transfer to your usual everyday account (e.g. with ANZ, ASB or Kiwibank), usually within one business day.
Fully automaticThe AI analyses the markets around the clock and trades on its own – without emotion, and without you having to read charts or make decisions.

Verified security: CySEC regulated 256-bit SSL

How does the new AI work?

Works while you sleep
The system never clocks off: it analyses the markets around the clock – you don't need to keep an eye on anything.
Data, not gut feeling
The AI knows neither fear nor greed. It acts only on its stored data and rules – and records every step in writing.
Never too late
While a person is still thinking it over, the algorithm has long since reacted – in milliseconds.

Can you really make money with it?

The honest answer: we didn't believe it until we checked it ourselves. Here is the log of our test account:

Log of the test account (simulation) — The client results overview from our 30-day test (simulation) – next to it, the platform live on a smartphone.

And here is the real point: for many people it starts as a little relief at the end of the month – with the goal of building more financial breathing room, step by step. Going on holiday without checking the account. Giving the kids a hand. Having something left at the end of the month instead of counting every dollar. No magic, no luck – just an algorithm that works for you 24 hours a day while you get on with your life.

We tested it ourselves: the three checkpoints

Credibility – is the environment regulated?

Before signing up we checked the legal notice and the licence: the platform works with a CySEC-regulated broker and is aimed specifically at investors in New Zealand. Only after this check did we sign up.

Ease of use – can someone with no experience manage it?

Yes. After registering, an English-speaking adviser helped with the set-up by phone – after that, the algorithm ran entirely on its own. Tom didn't have to make a single trading decision – “and that was exactly the point,” he says.

Withdrawals – can you get to your money? (The most important point.)

Yes. Withdrawals go by bank transfer to your normal everyday account and are usually credited within one business day. Your capital is never locked in.

Our verdict after 30 days

The AI delivers what the technology promises: it works with discipline, without emotion, around the clock – and withdrawals go through the regular bank-transfer route. And what it can't do: if you expect to get rich overnight, this isn't for you. But if you want your savings to finally work for you, there is currently hardly a simpler way to start in New Zealand – starting capital from NZ$450, set-up by phone in English, capital available at any time.

Important: the security check before activation

Important security notice: every new user goes through a short verification process – a standard your own bank also requires. Only one registration per household is allowed; enter your real phone number below and you will receive a short call to validate it.

Registration closing due to high demand: during the launch phase the number of new accounts per day is limited; places for today, , are still available. After you submit, your adviser will usually call you within a few minutes to activate your access – keep your phone handy.

CySEC regulated 256-bit SSL Privacy Act 2020 Support in English

Request free access now

Secure data transfer (Privacy Act 2020 compliant)

Your data is protected by 256-bit SSL encryption. The follow-up call from our customer service is part of our security requirements and protects you against identity theft. By submitting, you accept the Terms and Conditions and the privacy terms. Responsible for data processing: Earnfern AI. Your details (name, email, phone) are used only to set up your access by phone – details in the Privacy Policy.