Say goodbye to queues, wait times, paperwork and visits to the bank branch.
Set up a business account, unlimited virtual cards and as many team members as you want - for free.
Powerful Xero integrations and a customer service team that are there for you when you need them.
5 minute, paperless setup
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Download the app, complete your application and get spending within minutes - all from your mobile.
Local support for local businesses
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Our expert, helpful and friendly support team are here for you when you need it.
Simply contact us in-app and we'll be able to help you out.
Multi-director access
Our customer service team are online 24/7/365 to help you out if anything goes wrong
All directors & shareholders (above 25% ownership) need to complete AML verification.
You choose the level of access they have to Emerge - Admin, Team or No Access.
Available for limited liability NZ companies
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Emerge is only available for limited liability companies registered in New Zealand - for now.
To apply, you'll need to ensure your business details with NZ Companies Register are correct and that you're listed as a director.
Integrated with Xero
Our customer service team are online 24/7/365 to help you out if anything goes wrong
We integrate with accounting software you use to make everything that much easier.
We will be adding more integrations soon to help you move even faster.
100% mobile access
Our customer service team are online 24/7/365 to help you out if anything goes wrong
You'll never need a bank branch again. It's everything you need in the palm of your hand.
Receipt capture in-app
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Take photos of receipts, attach them to your transaction in the app and export straight to Xero to avoid the rush for the scanner at reconciliation day.
Instant & unlimited virtual debit cards
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Spin up as many virtual cards as you want and start spending with them straight away.
Google & Apple Pay in seconds
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Add cards to your Apple or Google wallets straight away so you only need your mobile device for contactless payments.
Unlimited NZ transfers & payments
Our customer service team are online 24/7/365 to help you out if anything goes wrong
No fees for domestic transactions and payments.
No flat fee or limit on free transactions per month.
It's always free.
Physical debit cards that stand out
Our customer service team are online 24/7/365 to help you out if anything goes wrong
They'll be a talking point everywhere you use them!
International payments*
Our customer service team are online 24/7/365 to help you out if anything goes wrong
*Coming soon
Easily make payments to overseas accounts, straight from your Emerge app.
Get paid & pay in batches*
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Coming soon*
Use our Xero integration to make & receive batch payments directly to & from your Emerge account.
Unlimited team members
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Add as many team members to your Emerge account as you'd like - no limits or cost.
Unlimited accounts to organise your finances
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Your primary account acts as the central source of funds.
From that primary account, you can have as many secondary accounts as you'd like to organise your money.
Real-time spend notifications
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Get notified in real-time of any payments, transactions or transfers coming in and out of any Emerge cards or accounts.
Admin & team level permissions
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Admin-level has total control over the account.
Team-level can only ever see the cards, transactions and spend limits that you've given them access to.
Spend limits per card
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Weekly, monthly or single purchase spend caps per card that you can control and change from the app.
Spending categorisation*
Our customer service team are online 24/7/365 to help you out if anything goes wrong
*Coming soon
More insight into your spending than you thought possible.
Disposable virtual cards
Our customer service team are online 24/7/365 to help you out if anything goes wrong
To mitigate card fraud, virtual cards are disposable, can be blocked instantly, and send real-time spend notifications - so you know your money is always safe.
Freeze or change card controls instantly
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Cards - both physical and digital - can be frozen instantly in the app, in case of any concerns or loss of card.
Funds held in AA- rated trust account
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Your funds are held in trust with an AA- rated bank (S&P Global's independent credit rating - the highest rating in NZ).
Approve online transactions in-app
Our customer service team are online 24/7/365 to help you out if anything goes wrong
All online transactions are challenged via 3DS (as long as the merchant supports it) to ensure it's you making the payment.
Biometric login
Our customer service team are online 24/7/365 to help you out if anything goes wrong
Use fingerprints or face ID to access your Emerge account for added peace of mind if you lose your device.
No CVC on card
Our customer service team are online 24/7/365 to help you out if anything goes wrong
We've reduced card fraud by ensuring the details to purchase online aren't all on your card.
Simply find your CVC in app by clicking on your card.
*Coming soon
Instant virtual cards with limits and controls for your team.
Receipt capture in-app, batch payments & simplified workflows with Xero integrations.
Keeping your money safe in a world of increasingly complex fraud.
Available for both iOS and Android.
You’ll need your ID and business details.
Start spending straight away. It's that simple.
Gain access to a wide range of innovative tools and features designed to enhance your financial management.