An account that means business.

Ditch the paperwork, delays, and legacy tools. Emerge gives you real-time cards, payments, and control. Built for how Kiwi businesses actually operate.

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Championing businesses big, small and anywhere in between

Get your account in minutes. Get back to business.

No queues. No hold music. No waiting on a banker to email you back. Whether you’re just starting out or scaling fast, Emerge gets your business up and running, fast.

Open your NZ business account in 7 minutes
Zero setup fees, no branch visits
Works alongside or in place of your current setup

Opening your account

Cards for every kind of business spend.

Issue virtual or physical cards in seconds. Empower your team, separate your tools, and stay on top of every dollar, with smart controls built into every card.

Instantly issue cards for people, tools, or teams
Works with Apple Pay, Google Pay, and in-store
Set limits, control categories, and freeze instantly

Cards

Real-time expense management, built in.

No more end-of-month chaos. Emerge gives you real-time visibility, smart tagging, and tools your team will actually use. So you stay in control without chasing receipts.

Auto-categorisation and GL coding
In-app receipt capture, filtering, and exports
Assign and track spend by person, project, or purpose

Expense management

Built for Kiwi businesses of every shape and size.

Whether you're just starting out or scaling fast, Emerge gives you the tools to run your business like a pro.

Sole traders

Keep business and personal spend separate, effortlessly.

Startups

Open an account in minutes and scale from day one.

Small & medium businesses

Simplify team cards, payments, and end-of-month reporting.

“We needed an expense management platform that gave our team access to company funds in their day-to-day. We looked at local and international solutions and are so glad we settled with Emerge. Our team love it and everything we have requested from Emerge has been built into the app within weeks of asking for it.”

Alison Kingdon, General Manager, ADT Security

Everything business banking should be. Nothing it shouldn’t.

Fast to set up. Easy to control. Trusted by teams across New Zealand without the delays, paperwork, or old-school nonsense.

Set up in minutes

Launch your account in under 10 minutes - all from your phone.

Real-time controls

Freeze cards, manage limits, and track spend as it happens.

Local, secure, trusted

Your funds are held with a NZ bank. We're Kiwi-run and PCI DSS 4.0 compliant.

Built for teams

Issue cards, assign budgets, and keep expenses on track.

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.

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