This is how money
should feel.

Goodbye, boring banking. Hello, Emerge.
Business or personal, this is the new way for Kiwis to manage their money.

250,000 Kiwi love our style.

Whether you’re starting your financial journey, ready for something better or want to supercharge your business  - Emerge is here for every Kiwi.

It's money, reimagined.

No jargon. No hold music. No time wasted. Move money the way you move: fast, simple, and fee‑free.

An everyday account for every day.

A full NZ account to pay bills, get paid, shop online, organise your money and spend your way. With none of the hassle.

Homegrown support when you need a hand.

Support that knows what a dairy is and why that pie is so important, right now.

Built for speed. Secured for trust.

Your money’s held safely in trust with a licensed New Zealand bank – it’s yours, not ours. All backed by the same tech that powers the world’s best digital products.

Tools that scale with you.

Emerge Business gives companies and sole traders a cleaner way to manage spend, teams, and day‑to‑day money.

Ready to join the future?

Whether this is for yourself, your business or your family - it’s time to manage your money like you’ve always wanted to.

Download the app

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As seen on your dad's favourite news site.

The media is kinda obsessed with us. Because we’re here to make a real difference.

Frequently asked questions

What is Emerge?
How’s my money protected?
What’s the catch?
When do I get my card?
Is Emerge just for personal finances? 
Can I use Emerge if I’ve just moved to New Zealand?
What security measures do you use?
Is Emerge a bank?
What if I lose my card?
How fast can I open an account?
Will I get real-time updates on my money? 
What’s SquareOne, and how is it different?
Does it cost anything to join?
Can I earn interest with Emerge?