Open your digital-first business current account in 7 minutes. No fees, no paperwork, no hassle.
Empower your team with their own debit cards, set spending limits, and track expenses in real-time.
Streamline your payments and get paid faster with Emerge.
Say goodbye to lost receipts and manual expense reports. Emerge makes expense tracking a breeze.
Opening an Emerge business account can be done in-app, in minutes. Skip the lines, paper work and hassle. Best of all, it’s local and secure.
Find out moreEmerge is designed to grow with your business, offering flexible solutions for every age, stage and sector.
We’re committed to more than creating a beautiful banking experience. Emerge is a robust, secure system for your piece of mind. We deeply value privacy and security, making your information our top priority, to ensure everything runs smoothly and safely.
SecurityEmerge is a digital-first banking alternative designed for New Zealand businesses. We offer a streamlined, app-based experience with all the essential features you need to manage your finances, like business accounts, debit cards, expense management, and Xero integration.
We're built for the digital age, with a focus on speed, convenience, and a user-friendly experience. Our app-based platform makes it easy to manage your finances on the go, and we offer features like instant virtual cards and automatic receipt capture that traditional banks don't. Plus, we're a Kiwi company, so we understand the unique needs of New Zealand businesses.
Absolutely! Your money is held in a secure trust account with a major New Zealand bank with an S&P AA- rating (the highest in NZ). This means your funds are protected even if something were to happen to Emerge.
It's easy! Simply download the Emerge app, complete the online application, and verify your identity. The whole process takes about 7 minutes.
In most cases, you'll be approved instantly. However, some applications may require additional review, which could take up to 24 hours.
No, not yet. We are a registered financial service provider in New Zealand. While we offer many of the same services as a bank, we don't yet have a banking license. This means we cannot offer loans or overdrafts at this time.
Emerge is free to use! There are no monthly fees, no minimum balance requirements, and no foreign transaction fees.
Currently, Emerge is available for limited liability companies (LLCs) registered in New Zealand. You must be a registered director of the company with an NZBN to get started. We're working on expanding to other business structures in the future.
You'll need your New Zealand Business Number (NZBN) and a valid form of identification (e.g. passport or NZ driver's license).
In short, yes. You won't regret it. Emerge is built to act as your sole banking tool or as a supplement to your existing set up. No matter your business needs, you'll find Emerge works for you.
We’re not kidding and we know you’ll love it. So, what’s stopping you?
Open an Emerge account