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A charity-to-charity platform

Supercharging New Zealand Charities

Swell helps charities unlock new funding pathways, reach wider audiences and grow their impact beyond traditional grants, donations and short-term fundraising.

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Charities partnered with
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Lotteries run
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Swell is currently in development.

We are speaking with charity partners, funders, advisers and delivery partners as we build the platform. This website explains the model and invites early conversations with charities interested in new funding pathways.

The challenge
New Zealand is home to thousands of registered charities

Every day they deliver vital services, strengthen communities, support vulnerable people and create positive change.

Yet for many organisations, the ability to increase impact is limited not by ambition, but by funding.

Funding is often:

Unpredictable from year to year
Highly competitive
Tied to short-term grants
Restricted to specific outcomes
Time-consuming to secure and report on
Difficult to scale with growing community need
A different approach
We are here to strengthen charities, of all sizes. We are not here to compete with them

Rather than delivering frontline services ourselves, Swell develops funding solutions that help other charities grow their reach, resilience and impact. We describe this as a charity-to-charity model — a Meta-charity.

Predictable funding

Create recurring income streams that help charities plan with confidence.

Greater awareness

Bring important causes to new audiences through large-scale campaigns.

Reduced admin burden

Swell manages campaign delivery, compliance and operations.

Scalable impact

Enable charities to grow their programmes and reach more people.

Lower risk

Give charities access to new fundraising models without asking them to carry the full operational or reputational risk alone.

More room to focus

Allow charity teams to stay focused on the work they exist to deliver, while Swell builds and manages the campaign infrastructure around them.

Our first solution
Powered lotteries

New Zealanders already spend billions of dollars every year supporting charities and participating in lottery-style fundraising. The desire to give already exists. The desire to dream already exists.

Swell combines these behaviours into a model designed to create greater impact. We remove the complexity, risk and workload of fundraising lotteries so charities can focus on impact.

New to charity lotteries? Read our plain-English guide to how they work in NZ.

Our vision
A future where New Zealand charities have access to sustainable, scalable and innovative funding opportunities that help them plan with confidence and grow their impact.
If your charity is looking for new ways to grow, let's start a conversation.
About Swell

A platform built to strengthen charities

Helping charities raise more money, reach more people and do more good.

Our story
Created from a simple observation

Many organisations rely on grants, donations, sponsorships, fundraising events and government contracts. These sources matter. But they can also be unpredictable, competitive, restricted or short term.

That uncertainty makes it difficult for charities to plan, invest, grow and respond to increasing community need. Swell was created to explore new funding pathways for the charitable sector.

What makes Swell different
Swell is not a traditional charity
Not a frontline service provider
Not a grant-making foundation
Not a fundraising consultancy
Not another charity competing for donations
A charity-to-charity platform
Our purpose
Strengthening community and voluntary organisations

Swell exists to strengthen community and voluntary organisations by exploring funding opportunities for registered charities across New Zealand. We focus on practical funding innovation, building models that help charities access new income, reach new audiences and grow their long-term impact.

Our values

Impact

We focus on funding that helps charities create meaningful change.

Integrity

We operate with transparency, accountability and care.

Innovation

We look for new ways to solve longstanding funding challenges.

Partnership

We work alongside charities, funders, communities and commercial partners.

Practicality

We build funding models charities can actually use, not ideas that add more complexity.

Not-For-Profit

All income and assets are directed toward advancing charitable outcomes. No activity carried on for private profit.

Curious what "operating with transparency" looks like in practice? See our guide to how NZ lottery law actually works.

The people behind Swell
Ryan Pellett
Chief Wave Maker

Ryan’s background is in media and audience growth. Over two decades he’s worked on high performance brands, and marketing campaigns connected to Vodafone (now One), Emirates Team New Zealand, the America’s Cup and more, building audiences, telling stories at scale, and delivering under pressure. That’s the experience Swell leans on: public trust, strong campaigns, and the ability to turn attention into measurable outcomes for charity partners.

As chief wave maker, Ryan’s role is hands on. He’s leading Swell’s strategy, brand, partner relationships and early build, turning the idea into something real, tested and ready to support the organisations already doing the work.

For Ryan, this one’s personal too. He’s seen first hand how much energy charities pour into fundraising, and how hard it is to grow when funding never settles. Swell is his attempt to build something more durable, not to replace existing funding, but to add something new alongside it.

Our board
Governance behind Swell

Swell's board brings experience across impact, funding, governance, technology and the charitable sector.

Rachel Skeates-Millar

Rachel Skeates-Millar

Board Member

Rachel brings deep experience across impact, funding, social investment, programme design, evaluation and international development. Her work has spanned complex funding environments, humanitarian and development programmes, research, operations and the design of systems that help organisations understand whether their work is creating meaningful change.

Rachel’s contribution to Swell is especially important because Swell is not simply trying to create another fundraising campaign. It is trying to build a model that can strengthen charities over time. That requires clear thinking about impact, accountability, funding design, partner relationships, reporting and the real world pressures faced by organisations delivering frontline services.

As a board member, Rachel supports Swell with governance, impact discipline and sector insight. Her role is to help ensure that Swell remains grounded in its charitable purpose, that funding solutions are developed with care, and that the organisation keeps the needs of charity partners and communities at the centre of its decisions.

Cowan Pettigrew

Cowan Pettigrew

Board Member

Cowan brings more than 25 years of technology, digital and systems leadership experience, including senior CIO and CTO level work and his current role as Chief Digital Officer at KPMG New Zealand. His background includes the design and delivery of technology systems across small, medium and enterprise scale environments, with a focus on aligning technology, people and process to business goals.

That experience is highly relevant to Swell because the organisation is not just a campaign idea. It is a platform model. To work well, Swell will need reliable systems, thoughtful data handling, operational discipline, privacy awareness, risk management, reporting capability and the ability to scale without losing trust.

As a board member, Cowan supports Swell’s governance around technology, digital infrastructure, data, operational systems and risk. His perspective helps ensure that Swell is built practically from the beginning, with the right foundations to support future growth, partner confidence and responsible delivery.

Ready to explore what Swell can do for your charity?
Solutions

New funding pathways for charities

Swell develops funding solutions that help charities access opportunities beyond traditional grants, donations and fundraising events.

Our role
We make difficult funding ideas practical

Swell brings together strategy, partners, campaign delivery, compliance, marketing and operational support so charities of any size can access funding opportunities they may not have the time, expertise or risk appetite to build alone.

Practical Scalable Compliant Impact-led Built to support charities over time
Current solution

Powered lotteries

A Powered Lottery is a professionally managed fundraising lottery delivered by Swell on behalf of a charity partner. The charity brings its mission, story and impact. Swell brings the campaign structure, compliance process, operational capability, marketing execution and delivery partners.

The result is a new funding opportunity without requiring the charity to become a lottery operator.

Fundraising lotteries can create significant income and awareness for charities — but they are complex. Swell removes the complexity, risk and workload so your charity can focus on impact.

How it works

How Swell works

A simple funding pathway designed to help charities grow impact.

1
Charity need
A charity has a genuine, mission-aligned need for sustainable, recurring funding.
2
Swell funding solution
Swell designs and resources a funding pathway built around that need — starting with Powered Lotteries.
3
Campaign delivery
Swell handles the operational and compliance work to bring the campaign to market.
4
Public participation
The public enters with confidence, knowing each ticket supports a real charitable outcome.
5
Funds and awareness
The draw generates both funding and broader public awareness for the charity's mission.
6
Charity impact
Funds flow through to the charity, turning into real, lasting impact for the communities they serve.

The first funding pathway is Powered Lotteries, with more solutions to follow.

Why charities don't run more lotteries:

  • How do we structure it?
  • Who manages compliance and approvals?
  • Who sources the prize and runs marketing?
  • Who handles ticketing and customer support?
  • What if the campaign underperforms?

What Swell manages end-to-end:

Campaign strategy & lottery structure
Regulatory processes & compliance
Prize strategy & partner management
Marketing and media execution
Ticketing, operations & customer support
Reporting
Future solutions

More funding models, coming

Powered Lotteries are the beginning, not the whole of Swell. As Swell grows, we will continue exploring additional funding models that can help charities access new income, reach new audiences and increase their impact. Every solution will be assessed against Swell's charitable purpose.

Want to explore a funding solution for your charity?
For charities

Is Swell right for your charity?

Swell partners with charities that are doing meaningful work and need new ways to grow their funding.

Who we work with
Swell is cause-agnostic

We are interested in organisations that have strong purpose, clear community impact and a funding challenge that limits their ability to do more. We can support charities working across areas such as:

HousingFamiliesYouthHealthEducationEnvironmentFinancial hardshipCommunity wellbeingSocial disadvantageAnd more

The common thread is impact. We want to work with charities that are trusted, well-governed and capable of using new funding to create meaningful outcomes.

The charity benefit

For charity partners, Swell is designed to create:

New funding opportunities
Access to wider public audiences
Reduced campaign workload
Greater awareness of their mission
Clearer campaign support and reporting
More room to focus on frontline impact

The aim is not only to raise money, but to help charities build visibility, resilience and confidence.

Swell may be a good fit if:
You are a registered charity or working toward charitable status.
You have a clear community impact story.
You have strong governance.
You can use increased funding responsibly.
You are open to public-facing fundraising.
You want reach and awareness, not just money.

Swell may not be the right fit yet if:

  • Your governance is unclear.
  • Your impact story is not ready.
  • You need urgent one-off funding.
  • You are not comfortable with a public campaign.
  • You cannot provide basic reporting or accountability.
Trust and accountability
Built with safeguards from the start

Swell has been built around a simple principle: charities should be able to access new funding opportunities without carrying the complexity, workload or reputational risk themselves.

Because our first funding solution involves lottery-based fundraising, trust is not an afterthought. It is part of the operating model. Every campaign needs clear rules, clear responsibilities, careful public communication and strong support for both the charity and the public.

DIA and regulatory compliance

Swell understands that lottery-based fundraising must be handled within the relevant New Zealand legal and regulatory framework, including Department of Internal Affairs requirements where they apply.

Swell separates the public information site from any future lottery or ticketing activity. This website does not sell tickets, accept funds or process transactions. Lottery activity is handled through the appropriate campaign platform, documentation, terms, privacy settings and compliance process.

Read our plain-English guide to NZ lottery, raffle and gambling law for the full picture of who can run what, and how to check it's legitimate.

Clear charity, privacy and data handling agreements

Each charity relationship needs to be clearly documented before a campaign goes to market. Swell works through the key responsibilities upfront, including the role of the charity, the role of Swell, campaign approvals, public messaging, data handling, privacy expectations and reporting.

That clarity protects the charity partner and ensures everyone understands how the campaign will be represented, operated and measured.

Transparent fund distribution and no private profit

Swell Charities Limited has been established for charitable purposes. All income, capital and assets are directed toward advancing charitable outcomes, and no activity is carried on for private profit.

Swell's campaign model is designed to make fund distribution clear from the start. Charity partners should understand how funds flow, how campaign costs are treated, how charitable proceeds are calculated, when distributions are made and what reporting is provided.

Collaborative go-to-market strategy and public communications

A successful campaign depends on more than a prize. It depends on trust, audience understanding and a clear story.

Swell works with charity partners to shape the go-to-market strategy, campaign messaging and public communications. The goal is to represent the charity's mission accurately, explain the campaign clearly and invite public participation in a way that protects the integrity of the cause.

Inbuilt phone-based support team

Lottery-based fundraising creates public enquiries, and those enquiries need to be handled well.

Swell builds phone-based support into the campaign model so the public has a clear way to ask questions, raise issues and receive help. This reduces pressure on charity partners and ensures enquiries are handled professionally, consistently and with care.

Swell's role is to make innovative fundraising practical, credible and well-supported, so charities can focus on the impact they exist to deliver.

What happens next
From first conversation to results day

A first lottery with a new charity partner runs through five stages over roughly six to nine months — from initial engagement to the close of reporting and audit. Here's what that looks like.

Setup & build
Lottery launch
1
Stage 1
Engagement
Oct – Nov
~7 weeks
  • Project documentation
  • Resource assignment
2
Stage 2
Pre-Requisites
Nov – Feb
~13 weeks
  • DIA regulatory approval
  • Marketing & prize strategy
  • Financial & operations setup
3
Stage 3
Implementation
Dec – Mar
~17 weeks
  • CRM & platform configuration
  • Microsite build & iterations
  • Team training
4
Stage 4
Deployment
Mar – Apr
~5 weeks
  • Smoke testing & QA
  • Purchase confirmation checks
  • Go-live
Lottery live
8 Apr – 30 Jun
Draw 26 Jun
Results 30 Jun
1
Stage 1
Engagement
Oct – Nov · ~7 weeks
  • Project documentation
  • Resource assignment
2
Stage 2
Pre-Requisites
Nov – Feb · ~13 weeks
  • DIA regulatory approval
  • Marketing & prize strategy
  • Financial & operations setup
3
Stage 3
Implementation
Dec – Mar · ~17 weeks
  • CRM & platform configuration
  • Microsite build & iterations
  • Team training
4
Stage 4
Deployment
Mar – Apr · ~5 weeks
  • Smoke testing & QA
  • Purchase confirmation checks
  • Go-live
Lottery live
8 Apr – 30 Jun
Draw 26 Jun · Results 30 Jun
~6
months, engagement
to launch
12
weeks live,
open to close
~9
months total,
engagement to audit close

Timeline shown reflects a first ("trial") lottery with a new charity partner. Later campaigns with established partners typically move faster once systems are in place.

Partner with Swell
Start a conversation

The first step is always a conversation. We'll take the time to understand your organisation and whether Swell can help.

Email Ryan directly
ryan@swell.org.nz

Tell us a little about your charity, your funding challenge, and what you're hoping Swell can help with. We read and reply to every email personally.

Email us
Swell Charities Limited is a New Zealand company established for charitable purposes.

All income, capital and assets are directed toward advancing charitable outcomes. No activity is carried on for private profit.

FAQ

Frequently asked questions

Answers to the questions we hear most from charities, partners and the public about who Swell is and how it works.

About Swell
Is Swell a charity?
Swell Charities Limited has been established for charitable purposes. Our role is different from a traditional frontline charity — we don't exist to deliver one specific service ourselves. We exist to strengthen other charities by building new funding pathways they can access. All income, capital and assets of Swell are directed toward advancing charitable outcomes, and no activity is carried on for private profit.
Is Swell registered as a charity yet?
Swell Charities Limited has been established for charitable purposes and is working through the appropriate steps for charitable registration. Until registration is confirmed, we describe Swell as a New Zealand company established for charitable purposes. Once registration is complete, we'll update the website with the relevant details.
Does this site sell tickets?
No. swell.org.nz is an informational website only. It explains who Swell is, what we're building, and how charities can start a conversation with us. This site doesn't sell lottery tickets, accept donations, process payments or run prize draws. Any future lottery or ticketing activity would operate through a separate platform with its own terms, privacy documentation, eligibility rules and compliance process.
Are lotteries the only model Swell will offer?
No. Powered Lotteries are Swell's first funding solution, not the whole organisation. Over time, that may include other campaign models, commercial partnerships, public participation models, media-led fundraising, sponsorship structures or other scalable funding solutions — each assessed against our charitable purpose, legal requirements, public trust and partner suitability.
Is Powered Lotteries only about major prizes?
No. Powered Lotteries are a campaign model that can be adapted to different charities, audiences, causes and stages of growth. In the early stages, we expect to work with smaller charity partners and smaller prize structures — this keeps risk proportionate and helps build the systems, trust and campaign discipline needed before considering larger opportunities.
Working with Swell
Why would a charity work with Swell instead of doing this itself?
Even smaller public fundraising campaigns take time, structure and operational support — campaign strategy, prize sourcing, compliance, public communications, digital systems, ticketing, privacy, customer support, reporting and issue management. Swell exists to carry that infrastructure so charities don't have to build it from scratch. The charity brings its mission, story and impact; Swell brings the campaign structure, delivery capability and support systems.
Can smaller charities work with Swell?
We are interested in charities with strong purpose, clear community impact and a genuine funding challenge. Size is not the main factor. In many cases, smaller charities have some of the clearest stories and strongest community connections.

A public campaign does need a few foundations in place, but they do not need to be perfect. The most important things are that your charity can explain the work you do, show how extra funding would help, work with us on the story, and provide basic information before and after a campaign.

Swell's role is to bring the campaign structure, support and systems around you, so your charity does not have to build that infrastructure alone.
How does Swell choose charity partners?
We look for alignment between a charity's mission, impact, governance, funding need, audience potential and readiness for a public campaign. We're cause-agnostic — Swell may work across areas such as housing, health, hardship, youth, education, environment, families, community wellbeing, social disadvantage and more. The common thread is impact: we want to work with charities that are trusted, well-governed and capable of using new funding to create meaningful outcomes.
Can we use Swell if we already have funders or fundraising partners?
Potentially, yes. Swell isn't intended to replace existing funders, donors, sponsors or fundraising activity — it's designed to add another pathway. Where a charity already has fundraising partners or funder obligations, we'd want to understand any restrictions, conflicts, exclusivity arrangements or reputational issues before developing a campaign.
Will Swell compete with charities for donations?
No. Swell is designed to strengthen charities, not compete with them. We don't exist to divert ordinary donations away from frontline organisations — we exist to create additional funding pathways that charities can access, growing the overall pool of support through campaigns that combine generosity, storytelling, participation and scale.
Who should contact Swell, and what happens next?
Swell is most relevant for charity leaders, trustees, board members, fundraising leads, partnership managers, CEOs, founders or senior staff responsible for growth and funding strategy. The first step is always a conversation — we'll take time to understand your organisation, funding challenge and impact goals, and whether Swell may be a good fit. Submitting an enquiry doesn't create a partnership or guarantee a campaign will proceed; any formal campaign requires further due diligence, written agreements, approval processes and compliance work.
What information does Swell need from us?
At an early stage, we'd usually want to understand who your charity serves, the problem you're trying to solve, your current funding challenge, your public profile and communication channels, your ability to support campaign storytelling, and any reputational, operational or compliance concerns. If there's a strong fit, more detailed financial, legal, governance, privacy, impact and reporting information may be needed before any campaign is developed.
Funding, fairness & compliance
Do charities pay Swell upfront?
Potentially, there may be no cost to the charity at all.

The intention behind Swell is to reduce the burden on charity partners, not add another upfront cost. Each campaign is assessed on its own structure, prize type, costs, risks and expected outcomes. Before any campaign proceeds, Swell and the charity partner agree how the model works, what is being funded, how campaign costs are treated, and how charitable proceeds are calculated and distributed.

A charity should never be asked to enter a campaign without clear written terms and a clear understanding of any costs, obligations or risks.
Who manages compliance?
Swell manages the campaign structure, compliance pathway and delivery process with appropriate professional support. For lottery-based fundraising, this includes working within the relevant New Zealand legal and regulatory framework, including Department of Internal Affairs requirements where they apply. Charity partners shouldn't need to become lottery operators themselves — our role is to manage that complexity so the charity can focus on its mission, story and impact.

If you'd like to understand the underlying rules yourself, see our plain-English guide to NZ lottery law.
Who owns the campaign, and who holds the funds?
A Swell campaign is a partnership. The charity owns its mission, brand, story, community and impact; Swell manages the campaign structure, delivery model, partner coordination, public communication, support systems and reporting. The roles and responsibilities of each party — including approval rights, brand use, public messaging and data handling — are clearly documented before any campaign goes to market. The handling of funds is set out clearly before a campaign begins, and any lottery or ticketing campaign must comply with applicable legal, regulatory, accounting and reporting requirements.
What happens if a campaign underperforms?
This is one of the reasons Swell exists. Fundraising campaigns can create meaningful upside, but they also carry operational, financial and reputational risk that many charities don't have the time, team or appetite to manage alone. Our role is to structure campaigns carefully, manage delivery and work through risk before launch — and the response to underperformance depends on the agreed campaign structure, which is why every campaign needs clear written terms covering responsibilities, costs, reporting and decision points.
What reputational risks should we consider, and how does Swell protect our brand?
Charities should think carefully before attaching their name to any public fundraising campaign — the main risks are public misunderstanding, unclear communication, poor customer support, weak compliance and uncertainty about where funds go. Swell is designed to reduce these risks through clear charity agreements, regulatory compliance processes, transparent fund distribution, collaborative go-to-market planning, responsible public communication and phone-based public support. We work with charity partners on campaign messaging and approvals before anything goes to market, so your name, brand and mission are represented accurately and respectfully.
Will the public know which charity is being supported?
Yes — public clarity is important. For any campaign involving a charity partner, the public should understand which charity is being supported, what the campaign is for, how participation contributes to charitable outcomes, and where to find the relevant terms and information. The exact public messaging is developed collaboratively with the charity partner.
Does Swell provide reporting after a campaign?
Yes — reporting is a core part of the model. Charity partners should be able to understand campaign performance, funds raised, costs, distributions, public engagement and any other relevant outcomes. The exact reporting format depends on the campaign structure, but transparency is central to how Swell is being built.
Still have a question?
Start a conversation

If your organisation is doing meaningful work and needs new ways to grow funding, awareness or reach, the best first step is to talk to us directly.

Swell Charities Limited is a New Zealand company established for charitable purposes.

All income, capital and assets are directed toward advancing charitable outcomes. No activity is carried on for private profit.

Guide

Lotteries, raffles, giveaways and scams: what's the difference in NZ?

A plain-English guide to how New Zealand gambling law actually works, who can run a lottery, and how to tell a legitimate charity draw from something that isn't.

Every week, New Zealanders are asked to buy a raffle ticket, enter a giveaway, or "go in the draw" for something. Most of these are completely legitimate. Some aren't, and they can look almost identical from the outside.

This guide explains how lotteries, raffles, sales promotions and prize competitions actually work under New Zealand law: who's allowed to run them, what a licence involves, and how to tell a legitimate charity lottery from something that isn't.

It's based on guidance from the Department of Internal Affairs (DIA), which regulates gambling in New Zealand, along with the Gambling Act 2003 and other official sources. Where something isn't clearly spelled out in public guidance, we say so rather than guess.

The short answer

A lottery or raffle is a form of gambling: you pay for a ticket, and winners are chosen by chance. In New Zealand these are regulated under the Gambling Act 2003, mainly by the Department of Internal Affairs (DIA). Small ones can run with no licence at all, but anything with prizes worth more than $5,000 needs a Class 3 gambling licence, can only be run by a society (which includes registered charities and incorporated societies), and must exist to raise money for a genuine community or charitable purpose.

A sales promotion or giveaway run by a business is legally different. It's tied to buying a normal product or service at the normal price, and done correctly, doesn't need a gambling licence at all.

The easy test

If you're paying specifically for a ticket or entry, it's gambling and needs to follow gambling law. If you're buying a product you'd buy anyway and get entered as a bonus, it's a sales promotion.

Who can run a lottery in New Zealand?

This depends on the size of the prize pool:

Small-scale (Class 1): individuals or societies can run these, as long as the total turnover and prizes are $500 or less.

Class 2: only societies (not individuals), such as sports clubs, community groups and charitable trusts, where prizes are between $500 and $5,000.

Class 3 (anything bigger): only a society can run it: an incorporated society, a registered charitable trust, or a similar body, not an individual and not an ordinary company. It must be licensed by DIA, and the money raised has to go to an "authorised purpose," meaning broadly something charitable or of benefit to the community, not private profit.

There's no such thing as a for-profit company simply deciding to run a public lottery for its own benefit. Larger lotteries exist as fundraising tools for societies and charities, or are run by New Zealand's state lottery operator (Lotto NZ), which sits outside this class system entirely.

What's a lottery, exactly?

Under DIA's game rules, a lottery is a form of gambling where participants buy a ticket or similar proof of entry, winners are chosen by a draw that happens after everyone has entered, and prizes are distributed according to that draw. Raffles and sweepstakes are both examples of lottery games, so in everyday language "raffle" and "lottery" usually mean the same legal thing, just at different scales. There's no separate "raffle law": same classes, same thresholds, same rules.

The four classes of gambling

New Zealand's Gambling Act sorts gambling into four classes, based on how much money is involved and how much harm risk it carries. Classes 1–3 cover most lotteries, raffles, prize competitions and instant games. Class 4 is a separate category for gaming machines (pokies) and isn't directly relevant to charity lotteries.

ClassPrize valueTurnoverWho can run itLicence needed?
Class 1Up to $500Up to $500Individuals or societiesNo
Class 2$500–$5,000$500–$25,000Societies onlyNo
Class 3Over $5,000No upper limitSocieties only, authorised purposeYes, Class 3 licence
Class 4N/A (gaming machines)High-turnoverLicensed corporate societiesYes, separate regime

A few extra rules worth knowing: for Class 1 run by an individual, all proceeds (minus reasonable costs) must go to the winners. For Class 2 and 3, net proceeds must go to an authorised purpose, not to an individual or business. No commission can be paid to anyone for running Class 1 or 2 gambling. And since 1 November 2024, licensed Class 3 lotteries can be run and sold entirely online. This was a temporary COVID-era rule that's now permanent.

When do you need a licence?

You need a Class 3 licence from DIA if the total prize value for a single draw is more than $5,000, or turnover exceeds $25,000. Below that, you can run under Class 1 or 2 with no licence, but you still have to follow the Gambling Act and the relevant game rules.

A Class 3 licence is generally issued per lottery, not as an ongoing blanket approval (housie, the legal term for bingo-style gambling, is the one exception, licensed annually). A charity running a new lottery every few months is applying, and being checked, every single time. DIA has to be satisfied the activity is financially viable, that costs are kept reasonable, and that returns to the community are maximised.

Sales promotions, giveaways and competitions: the business version

This is where a lot of confusion happens, because a shop's "buy this, go in the draw" promotion can look identical to a charity raffle from the outside. Legally, they're a different thing entirely.

A sales promotion scheme is run by a business to promote its own products or services, entered by buying that product or service at its normal price with no extra fee, decided by chance (or partly chance, partly skill), and run for a clearly stated period with the draw details made clear at the point of sale.

Done this way, a sales promotion doesn't need a gambling licence, per DIA Fact Sheet 9. But there are real limits: the business can't make extra commercial gain beyond its normal trading, the prize can't be a prohibited item, and a sales promotion generally can't be run over the internet or by phone/text unless it's structured as a lottery. Otherwise it falls foul of New Zealand's ban on "remote interactive gambling."

A skill-based competition (like a photo contest judged on merit) generally isn't gambling at all, and doesn't need a licence, but only if the outcome is genuinely decided by skill or judging, not disguised chance.

A live example, as of July 2026

In mid-2026, DIA opened an inquiry into a "Key to Communities" sales promotion run by NZ Rescue Charitable Trust, offering entry into a draw for Shelby GT350 vehicles with the purchase of a keyring, in support of a Matamata hospital fundraiser. The promotion was paused while the inquiry continues, and reporting from the Waikato Times and Stuff describes customers who bought keyrings having difficulty securing the refunds they were told they'd receive. Nothing has been proven unlawful at this stage, and this page will be updated if the outcome changes that. It's a useful live illustration of the online-promotion boundary rule above, and a reminder to keep half an eye on a promotion even after you've entered, not just before.

Comparison table: how these all differ

Charity lottery / raffleSales promotionSkill competitionSocial giveawayScam / suspicious draw
Who runs itA society, charity or incorporated groupA business, promoting its own goods/servicesAnyone, judged on meritAnyone, often unclearUnknown or unregistered entity
How you enterBuy a ticket, specifically to be in the drawBuy the normal product, no extra feeSubmit an entry, judgedFollow/like/comment, or buy a productPay a "fee," share bank details, or buy a ticket
Regulated byGambling Act, DIA licensed over $5,000Gambling Act, Fact Sheet 9, usually no licenceUsually not gambling law; Fair Trading Act appliesFair Trading Act, platform rulesNothing, that's the problem
Money goes toAn authorised charitable/community purposeThe business's normal tradingThe organiserThe organiser/brandUnknown
TransparencyLicence number, draw date, audited prize statementClear terms at point of saleClear entry/judging termsShould have clear terms; often thinVague, urgent, unverifiable

Records, prize rules, ticket rules, age rules and transparency

For a licensed Class 3 lottery, the rules are detailed and specific:

Tickets must be individually numbered and act as a receipt: a ticket is the only valid way to enter, and the only valid way to win. Draw details, meaning date, time and location, must be publicly notified in advance if tickets are sold to the public, and the draw itself must be open to the public. Prizes must be given to winners within three months of the draw. Prohibited prizes include firearms, alcohol, tobacco, taonga tūturu, and vouchers for commercial sexual services.

20%
An easy check worth remembering

By law, at least 20% of a Class 3 lottery's gross potential income must go back out as prizes to winners. It's one of the simplest sniff tests available: if the prizes on offer look thin next to what a lottery is charging for tickets and how many it's selling, that's a legitimate reason to look closer before you buy.

Is there a minimum that must go to charity?

Not a fixed percentage, for Class 3 lotteries specifically, but the structure of the rules matters more than any single number: no one is allowed to make a private profit from a charity lottery. Ticket sales can cover reasonable running costs and pay out prizes (at least 20%, as above), and whatever is left over has to go to the charity's authorised purpose. There's no leftover category for "profit" to sit in and go anywhere else. DIA licenses each lottery on that basis, requiring costs to be minimised and returns to the community maximised, assessed case by case rather than against a set percentage. This is different from Class 4 gaming machines (pokies), where societies must return at least 40% of net proceeds to the community, but that's a separate category of gambling and doesn't apply to charity lotteries or raffles.

Auditing: the society must provide an independently audited Audit and Prize Statement within three months of the draw, prepared by a chartered accountant not otherwise associated with the lottery. Draw supervision: the draw must be supervised by an independent person able to take a statutory declaration.

A grey area worth knowing

DIA's published guidance doesn't spell out one single universal minimum age for buying a raffle ticket, the way it does for TAB betting or casino gambling. Many charity lotteries set their own minimum age (commonly 18) as good practice. If you need a firm, citable answer, confirm directly with DIA's Gambling Compliance Group rather than assuming a figure.

How legitimate charity lotteries differ from scams

A person carefully checking a website on their phone before buying a raffle ticket

New Zealand has real, well-documented examples at both ends of this spectrum.

A real illegal lottery: in 2026, Christchurch man Waiariki McIlroy-Jones was sentenced to six months' community detention for running what DIA described as the largest illegal lottery ever identified in New Zealand, an unlicensed online model that had generated more than $11 million in a little over a year by dressing itself up as a "sales promotion scheme." DIA has warned that illegal gambling can be made to look like a legitimate promotion, particularly when it leans on big-ticket prizes and urgency.

A real cautionary case in between: in 2024, a newly formed trust ran a high-profile "Win a House" raffle for a $2 million-plus home, advertised on billboards, TV and radio. It described its charity registration as "pending," a status DIA confirmed doesn't actually exist under the Charities Act. The raffle ultimately didn't sell enough tickets to buy the house, and ticket holders were refunded. Nothing here was found to be criminal, but it's a clear real-world example of why "sounds impressive" and "is properly set up" aren't the same thing.

A real, long-established example: Coastguard New Zealand's lottery publishes its DIA licence number, the authorised purpose the funds go to, the exact draw location and time, and where results will be published, in every set of terms and conditions. That's what doing it properly, in public, looks like.

The pattern that separates legitimate operators from scams isn't the size of the prize. It's whether the organisation can show its licence number, its registered charity status, a fixed draw date and place, and a clear, published way to check the result.

Don't want to check this yourself?

Coastguard is one of several NZ charity lotteries we've already run through this exact checklist. See our Lottery Directory for the current list of verified draws.

Checklist: how to check if a lottery or raffle is legitimate

Before you buy a ticket, spend two minutes checking:

Is there a DIA licence number shown in the terms and conditions?
Is the charity actually registered? Check the name on the Charities Register, rather than just trusting a logo or a claim.
Is there a fixed draw date, time and location? Vague or repeatedly postponed draws are a red flag.
Is there a clear "authorised purpose" stating exactly what the money is for?
Can you find independent news coverage or a public track record?
Are you being asked to pay in an unusual way? Crypto, gift cards or "processing fees" to release a prize are classic scam signals.
Does the pressure feel off? Legitimate lotteries don't need to rush you.
Is the organiser contactable, with a real address, phone number and named organiser, not just a web form?

If you're ever unsure, you can contact DIA's Gambling Compliance Group directly, or check the charity on the Charities Register before entering.

What charities should think about before running a raffle or lottery

Work out your class early. If your prize pool will realistically exceed $5,000, plan for Class 3 licensing timelines from the start.
Confirm you're an eligible "society." You generally need to be an incorporated society, registered charitable trust, or similar.
Budget for compliance, not just prizes. Independent audits, licence fees and draw supervision all cost time and money.
Decide your authorised purpose clearly, and be ready to explain it publicly.
Plan record-keeping from day one: ticket numbering, audited prize statements and draw supervision are licence conditions, not extras.
Get advertising right before you launch: check age-appeal rules and avoid implying guaranteed wins.
If in doubt, ask DIA directly, or get advice from a lawyer experienced in gambling law.

FAQs

Is running a raffle illegal in New Zealand?
No. Raffles are a normal, legal form of fundraising. Raffles with prizes over $5,000 need a Class 3 licence from DIA, and only societies (not individuals or ordinary companies) can run them.
What's the difference between a lottery and a raffle in NZ?
Legally, none. A raffle is a type of lottery under the Gambling Act. DIA's own game rules list raffles and sweepstakes as examples of lottery games.
Do I need a licence to run a small workplace or school raffle?
Usually not, if the total prize value is $5,000 or less and turnover is $25,000 or less, which generally falls under Class 1 or 2 and doesn't require a licence. You still need to follow the Gambling Act's general rules.
Can a business run a giveaway without a gambling licence?
Yes, if it's structured as a genuine sales promotion, with entry tied to buying the normal product or service at the normal price, no extra entry fee, and clear terms stated up front. If people pay specifically to enter, it becomes regulated gambling instead.
Is it legal to buy raffle or lottery tickets online in New Zealand?
Yes, for licensed Class 3 lotteries. This was made a permanent rule from 1 November 2024. Class 1 and 2 gambling generally cannot be run online due to New Zealand's ban on remote interactive gambling.
How do I know if a charity lottery is a scam?
Check for a DIA licence number, confirm the charity's registration on the Charities Register, look for a fixed draw date and location, and be wary of urgency or unusual payment requests. See the full checklist above.
Who regulates lotteries and raffles in New Zealand?
The Department of Internal Affairs (DIA), under the Gambling Act 2003.
Can an individual person legally run a lottery for profit?
No. Larger lotteries (Class 3) can only be run by societies, for an authorised purpose that benefits the community, not private profit. Small Class 1 gambling can be run by an individual, but all proceeds must go to the winners.
This page is general information only, based on publicly available guidance from the Department of Internal Affairs and other official sources as at the date of publication. It isn't legal advice, and gambling law can change. If you're planning to run a lottery, raffle or promotion of any real scale, get advice from DIA directly or from a lawyer experienced in New Zealand gambling law before you commit.
Curious how Swell fits in?
See our model

Swell is a New Zealand charity fundraising platform in development, built to help charities raise more through fair, transparent, well-governed campaigns.

Swell Charities Limited is a New Zealand company established for charitable purposes.

All income, capital and assets are directed toward advancing charitable outcomes. No activity is carried on for private profit.

Directory

New Zealand charity lottery directory

A neutral, independently verified directory of current NZ charity lotteries and major fundraising raffles. Not exhaustive, not an endorsement — just what we've checked, and when.

See verified lotteries Let me know when a verified lottery is launched

New Zealand has no official public list of current charity lotteries — DIA licenses them individually, but publishes no searchable directory. So we built one. We're not affiliated with any charity listed here, and a listing isn't an endorsement. It means we've checked what's publicly available, and can tell you exactly what's verified and what isn't.

Swell exists to help New Zealand charities raise more, not just our own — this directory includes other organisations' lotteries too.

Criteria for inclusion

To be listed, a lottery or raffle must meet all five of these:

1
Run by a registered NZ charity (confirmed on the Charities Register), or a recognised "society" authorised purpose
2
Publishes terms stating a DIA licence number where Class 3 licensing applies, or explains clearly why none is needed
3
States a clear draw date, method, and how results will be published
4
Currently open, or closed but drawing within 30 days
5
Prize value that plausibly meets DIA's 20% minimum-prize rule — a rough sniff test, applied where the numbers are public

Lotteries that miss any of the five aren't listed, regardless of size or ad spend. Short and trustworthy beats long and unverifiable.

How we verify each listing

For each listing, we read the organiser's own terms in full, cross-check the charity on the Charities Register, record the published DIA licence number, sense-check the prize pool against DIA's 20% rule where the figures are public, and log the date as "last verified" on every listing.

An honest limitation

DIA publishes no public register of licence numbers, so our check confirms a number has been published in the operator's own terms — not that we've matched it against a government database, since none exists. The 20% check is a sense-check on published figures, not an audit. Where something doesn't add up, we say so rather than guess.

Current verified listings

A starter list, not an exhaustive one. Have a lottery to suggest? Submit it below.

Heart Foundation Home Lottery No. 163
National Heart Foundation of New Zealand
Last verified 9 Jul 2026
163 draws run
Charity status
Registered, CC23052
Lottery No.
163
Lottery type
Class 3, LT090000967
Prize summary
Whitianga home ($1,075,000) + $15k travel + bonus car & cash
Ticket price
$15 (290,000 tickets on issue)
Closes / draws
6 Aug 2026 / 13 Aug 2026
Prize-value check
Pass — 290,000 × $15 = $4.35m; ≥$1.09m listed prizes is ≥25%

Now on its 163rd lottery — one of the longest continuously-run charity lotteries in NZ. Authorised purpose: heart research, education, prevention and care. Declaration supervised at Heart Foundation's Ellerslie premises; results published in the Sunday Star Times.

Coastguard Heritage Series Lottery 127
Royal New Zealand Coastguard (Inc)
Last verified 9 Jul 2026
127 draws run
Charity status
Registered, CC36138
Lottery No.
127
Lottery type
Class 3, LT090000983
Prize summary
$250,000 (6 prize options, incl. boat, gold, cash)
Ticket price
$100 one / $75 each for 4+
Closes / draws
14 Aug 2026 / 19 Aug 2026
Prize-value check
Pass — 10,000 tickets × $100 ≈ $1m; $250k prize is 25%

This is Coastguard's 127th lottery — a long, continuous track record is one of the simplest trust signals available. Authorised purpose: search & rescue equipment, training and support. Draw at Auckland Marine Rescue Centre, supervised, results published in the Sunday Star Times and coastguard.nz.

Dodge Charger R/T Lottery 2026
Auckland Rescue Helicopter Trust (Westpac)
Last verified 9 Jul 2026
19 draws run
Charity status
Registered, CC21935
Lottery No.
19
Lottery type
Class 3, LT090000976
Prize summary
Restored 1969 Dodge Charger R/T, $315,000
Ticket price
$100 (15,000 tickets)
Closes / draws
26 Aug 2026 / 28 Aug 2026
Prize-value check
Pass — 15,000 × $100 = $1.5m; $315k prize is 21%

Their 19th lottery — an established, repeat-run fundraiser rather than a first attempt. Authorised purpose: emergency, air search, rescue and air ambulance services across NZ. Draw at the helicopter base, Ardmore Airport, under independent witness per Gambling Act Rule 6(14).

Recently closed

Verified against the same five criteria at the time they were open. Kept here for a short period after their draw for transparency, then archived.

SPCA Lottery No. 1 — closed
SPCA New Zealand
Last verified 9 Jul 2026
Charity status
Registered, CC64075
Lottery No.
1 (first lottery)
Lottery type
Class 3, LT090000934
Prize summary
Subaru Forester ($60,468) + travel + gift card
Ticket price
$25 (10,000 tickets, sold out)
Closed / drawn
23 Jun 2026 / 26 Jun 2026
Prize-value check
Pass — 10,000 × $25 = $250k; $85,468 pool is 34%

SPCA's first-ever lottery, sold out. Winners published on spca.nz: 1st prize ticket 10094 (Auckland), 2nd prize ticket 15603 (Hastings), 3rd prize ticket 13852 (Auckland). SPCA has said preparations for Lottery No. 2 are already underway.

Cure Kids Lottery — closed
Cure Kids
Last verified 9 Jul 2026
Charity status
Registered, CC25350
Lottery No.
1 (first lottery)
Lottery type
Class 3, LT090000847
Prize summary
VW ID. Buzz + Briscoes & Rebel Sport vouchers
Ticket price
$45 / $100 for three
Closed / drawn
Drawn, results published 22 Dec 2025
Prize-value check
Not able to check — total tickets sold not published

Cure Kids' first-ever lottery. Winners published on curekids.org.nz: 1st prize ticket 13785 (Hamilton), 2nd prize ticket 14973 (Christchurch), 3rd prize ticket 10371 (Auckland).

Street Smart Lottery — closed
Street Smart Charitable Trust
Last verified 10 Jul 2026
Charity status
Not confirmed — CC number not located
Lottery No.
1 (first lottery)
Lottery type
Class 3, LT090000806
Prize summary
3× Subaru WRX + vouchers + simulator, ~$321,800 total
Ticket price
$100 (10,000 tickets)
Closed / drawn
Drawn 23 Dec 2025, Hampton Downs
Prize-value check
Pass — 10,000 × $100 = $1m; ~$321,800 pool is ~32%

Street Smart's first-ever lottery, funding hands-on driver education for young New Zealanders. Draw supervised under Gambling Act Rule 6(14) at Hampton Downs Motor Sport Park. One field we couldn't confirm: a Charities Register number for the Trust wasn't locatable at time of check — noted here rather than assumed.

What we haven't been able to verify

This list is intentionally short at launch. Any organisation not listed here simply hasn't been reviewed yet — it isn't a signal that a lottery is untrustworthy. Draw numbers, exact closing dates, and ticket pricing shown above are a snapshot as at the "last verified" date on each card and may have moved on since.

Stay in the loop
Get notified when a new lottery is verified

We'll only email you when a new lottery clears our five criteria and joins this directory — no spam, no on-selling your details, unsubscribe any time.

Notify me
Submit a lottery
Running a charity lottery? Let us know

Listing is free, and being listed doesn't mean using Swell's own platform. Send us the essentials and we'll review it against our five criteria.

Email your details to
ryan@swell.org.nz

Please include: charity name, Charities Register number, campaign/lottery name, link to your official terms and conditions, DIA licence number (if Class 3), and draw date.

Email a submission

Trust language, stated plainly

"Independently verified" means we checked what's published against our five criteria — it is not an official DIA endorsement, and it is not Swell vouching for a charity's cause or fundraising performance. "Last verified" is only ever updated after an actual re-check, never on a schedule alone.

Swell independently reviews publicly available information about each lottery listed here, including published terms and conditions and Charities Register records, as at the "last verified" date shown. Inclusion in this directory is not an endorsement of the charity, its cause, or its likelihood of winning outcomes, and is not confirmation from the Department of Internal Affairs. Ticket purchases are made directly with the listed organiser, not with Swell. If you notice anything that looks incorrect or out of date, please let us know.
Swell Charities Limited is a New Zealand company established for charitable purposes.

All income, capital and assets are directed toward advancing charitable outcomes. No activity is carried on for private profit.