One platform to run your
business finances

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Open an account in minutes, not months.

Say goodbye to queues, wait times, paperwork and visits to the bank branch.

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Zero monthly fees or hidden costs.

Set up a business account, unlimited virtual cards and as many team members as you want - for free.

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Local support for local businesses.

Powerful Xero integrations* (in beta) and a customer service team that are there for you when you need them.

Always safe, always secure, built for business.

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A free business account. Unlimited possibilities.

Accessibility & ease

5 minute, paperless setup

Local support for local businesses

Multi-director access

Available for limited liability NZ companies

Integrated with Xero**

100% mobile access

Receipt capture in-app

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Payments your way

Instant & unlimited virtual debit cards

Google & Apple Pay in seconds

Unlimited NZ transfers & payments

Physical debit cards that stand out

International payments*

Get paid & pay in batches*

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    Designed for teams

    Unlimited team members

    Unlimited accounts to organise your finances

    Real-time spend notifications

    Admin & team level permissions

    Spend limits per card

    Spending categorisation*

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      Best-in-class security

      Disposable virtual cards 

      Freeze or change card controls instantly

      Funds held in AA- rated trust account

      Approve online transactions in-app

      Biometric login

      No CVC on card

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        *Coming soon / **In beta

        Financial transactions should be more than just a mundane task.

        Spending on your terms

        Instant virtual cards with limits and controls for your team.


        Simplifying your team's expenses

        Receipt capture in-app, batch payments & simplified workflows with Xero integrations*.

        *In beta


        Fully digital.
        Next gen security.

        Keeping your money safe in a world of increasingly complex fraud.


        Business finance at your fingertips

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        Just three steps to unleash your business finances


        Download Emerge app

        Available for both iOS and Android.


        Register your business

        You’ll need your ID and business details.


        And, go!

        Start spending straight away. It's that simple.


        Access to Innovative Tools

        Gain access to a wide range of innovative tools and features designed to enhance your financial management.

        Download Emerge
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