A pip is the minimum value by which a quote can change in the foreign exchange market. A point is the fourth sign after the decimal point.
The only exception to the rule is the USD/JPY pair.
If we pay attention to the NZD/USD pair, we will see that the sell rate is 0.7463 and the buy rate is 0.7468. The difference between the rates (spread) is 5 points. It turns out that in order for the trader not to suffer losses, but to make a profit, the rate must increase by at least 6 points.
Some brokers offer zero spread to traders, but what is their benefit? If the broker does not earn on the spread, then he earns on something else, otherwise the meaning of his work is lost.