This is how banking
should feel.

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

This is
how banking
should feel.

Goodbye, boring. Hello, Emerge.
Business or personal, this is the new way for Kiwi 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.

SquareOne

The first step to teaching your kids how to be great with money.

Personal

Money that works the way you want it to. Your vibe, your way.

Business

A better way to manage your finances for companies & sole traders.

It's banking reimagined.

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

Open your account in minutes

All from your phone. No paperwork. No queues. No hassle.

Instant virtual cards

To get you spending right away with Google/Apple Pay

Card controls & limits

Lock, unlock, set limits, and keep your money safe. The cards look unreal too.

Real-time notifications

Know what your money is doing the moment it happens.

An everyday account for every day.

A full NZ bank 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 protected in a trust account with a licensed bank and protected by the DCS. Your account is built with the same tech that protects 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.

What's here now vs what's coming...

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.

Fast sign up and instant virtual card.
Free account creation.
Physical card you'll want to show off.
Real‑time spend notifications.
Smart controls and simple money tools.

Interest‑earning accounts.
FX and multi‑currency wallets.
Cashback and partner rewards.
Shared visibility features for families.
More insights and automation.

As seen on your dads' favourite news site.

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

Frequently asked questions

Whether you’re a startup, growing team or planning global domination, Emerge works to make your business finances more efficient at every stage of your journey.

Available on

This is how bankingshould feel.