“Can a micro-investing app become the unified wealth OS for everyday consumers by tying spending, insurance, and KiwiSaver to long-term investing?”
Founded 2017 as a micro-investing app for fractional shares targeting everyday Kiwis. Expanded into KiwiSaver, Australian markets, and crypto, then evolved into a 'unite your wealth' platform spanning investing, saving, spending, and insurance. The November 2025 launch of the Sharesies Debit Mastercard with Episode Six marked a decisive move from pure-play broker into embedded finance, tying everyday spend to long-term investing via Investback.
Sharesies discloses Episode Six as its banking provider, according to the Embedded Finance Index 2026.
Sharesies does not disclose a bank charter of its own; its banking services are provided through Episode Six.
Sharesies's cards are issued through Episode Six.
Sharesies runs its ledger on Episode Six.
Sharesies uses Episode Six (integrated FX) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 4 layers in Sharesies's stack: Banking / BaaS (Episode Six); Card issuing (Episode Six); Ledger (Episode Six); FX & payouts (Episode Six (integrated FX)).
Sharesies was founded by Richard Clark, Ben Crotty, Brooke Roberts, Leighton Roberts, Martyn Smith and Sonya Williams and is founded in 2017, headquartered in Wellington, New Zealand.
Get a read on where your own stack stands against Sharesies and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.