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.

Whether you’re starting your financial journey, ready for something better or want to supercharge your business - Emerge is here for every Kiwi.
No jargon. No hold music. No time wasted. Move money the way you move: fast, simple, and fee‑free.

A full NZ account to pay bills, get paid, shop online, organise your money and spend your way. With none of the hassle.
Support that knows what a dairy is and why that pie is so important, right now.


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

We build what you ask us. We’ve done it for families, we’ve done it for businesses, now it’s time to do it for every Kiwi.
Whether this is for yourself, your business or your family - it’s time to manage your money like you’ve always wanted to.
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The media is kinda obsessed with us. Because we’re here to make a real difference.
We're not a bank. We're everything you need from a bank minus all the horrendous admin, long wait times and poor experience. Trust us, you'll love it.
Even though Emerge isn’t a registered bank, your money is held with NZ’s largest tier 1 bank - and we do it in a way that keeps your balance separate, traceable, and linked just to you.
This means that if our banking partner ever failed, we could claim your balance (up to $100,000) on your behalf under the DCS.You don’t need to do anything. Just know: your money’s protected, your name is on it, and we’ve got your back.
Honestly? There isn’t one. No hidden fees. No dodgy fine print. No junk mail trying to sell you stuff you don’t need. We built Emerge because we were tired of the catches too.
You’ll get a virtual card instantly after signing up - ready to tap and go. Physical cards? We’ll ship those out as fast as your postie can carry them (usually no more than 10 working days).
Nope, we’ve got a full suite for businesses too. Whether you're a freelancer, a founder, or running a full team, Emerge Business makes managing your money effortless.
Absolutely! In fact, it’s super simple. No endless paperwork. No weird local bank hoops. Just fast, digital-first banking the way you’re used to.
We use best-in-class encryption, numberless cards, instant card freezing, and two-factor authentication. In plain Kiwi English: your money’s locked down tight.
Emerge is not registered bank - your money’s held safely in trust with a licensed New Zealand bank. We’re a registered financial services provider, and we hold your money in a secure trust account with a licensed New Zealand bank. You get all the protection of a big bank, with none of the big-bank vibes.
No stress, you can freeze your card instantly from the app. No waiting on hold. No “we’ll get back to you.” Just tap freeze, order a replacement, and get a new virtual card immediately so you can keep spending.
About the same time it takes to order a coffee. Just download the app, verify your ID, and you’re good to go. No branch visits, no paperwork.
Absolutely. Every time you spend, save, or transfer, you’ll get an instant notification. Your money, your moves, in real-time.
SquareOne is our app for kids and teens to learn smart money habits early. If you started with SquareOne, upgrading to Emerge Personal is the natural next step when you’re ready for real-world banking power.
Nope. It’s free to open your account, free to get your first card, free to send money to mates. A replacement card will cost you $10, that’s it.
Very soon! We’re rolling out interest-bearing accounts so you can grow your savings effortlessly. Keep an eye out — you’ll be the first to know.