What businesses can use Emerge?

Currently, Emerge is available for limited liability companies (LLCs) registered in New Zealand. To get started, you must be a registered director of the company with a New Zealand Business Number (NZBN).

What if my business has multiple directors?

Emerge allows multiple directors to easily join the account. One director initiates the process, and then other directors can be invited to join and complete their verification within the app.

Can I open more than one account with Emerge?

Yes, you can open multiple accounts within Emerge to better organise your finances, for free. For example, you could have separate accounts for different projects, client accounts, tax, savings, etc.

Can I move my business to Emerge?

Yes! Emerge can be used as your primary business account. While we're waiting on open banking regulation, our team will be happy to help you switch.

Can I give my employees access to Emerge?

Yes, you can invite team members to your Emerge account and assign them different access levels. They can be given their own cards with custom spending limits and access to view their transaction history.

Open your business account in minutes.

Emerge makes it fast, free, and ridiculously simple to get started. No queues. No paperwork. No delays.

Open an account Download the app Let's talk

Mobile app screen displaying financial accounts with balances; options to create a new account or a team card.

Ditch the paperwork,
skip the queue

Apply, verify and open your account directly from your mobile - no delays, no nonsense.

Completely digital. Apply and verify from your mobile. No queues. No printed forms.
No hidden fees. No monthly fees or minimum balances.
NZ business account. Includes local account number  and bank transfers.

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All you need to get started.

No prep needed. Just bring your ID and a few basic business details.

A passport or NZ driver’s license for identity verification.
Basic business details needed. Business address and company number.
Registered director. You must be a listed director to  start setup.

Multiple directors?
Too easy.

Emerge handles multi-director businesses without the runaround.

Start with one. Any director can begin the process.
Add others instantly Invite co-directors from the app.
Each verifies digitally. No paperwork or in-branch visits.

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.

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Startups

Open an account in minutes and scale from day one.

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Sole traders

Keep business and personal spend separate, effortlessly.

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Small & medium businesses

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

Person holding phone showing business account balances and a teal debit card with name and number.

Virtual Emerge card with toggled spend limit showing progress bars at $1,500 and $2,500 limits.

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Computer screen showing a financial dashboard with account balances and transaction details in a web app.

"Having just launched Fremont Studio, I needed an account that I could get up and running ASAP. Emerge was the best choice because I could set up an account in minutes. It’s been an absolute dream so far and I haven’t looked back."

Elena Parry, Owner, Fremont Studio

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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Open your business account in minutes.

Ditch the paperwork,skip the queue