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

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. Ever.
NZ business account
Includes local account number - making it easy to pay and get paid.

All you need to get started.

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

Photo ID
A passport or NZ driver’s licence for identity verification.
Basic business details
Business address, details and NZBN 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.

Why businesses are ditching the banks.

Legacy banks weren’t built for fast-moving founders. We are.

The old way

Weeks of paperwork, hidden fees, clunky platforms & poor experience. Your business deserves better.

The Emerge way

Open in minutes, manage spend in real-time, and scale effortlessly. Designed for Kiwi companies from day one.

Built for modern Kiwi businesses.

Whether you're a one-person powerhouse or managing a growing team, Emerge gives you the tools to move faster.

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.

Everything business accounts should be.

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

Cards for your team

Issue virtual and physical cards instantly with spending limits and real-time tracking.

A better business account

Multiple accounts, team roles, widgets and controls to manage it all.

Automated expense tracking

Snap receipts, auto-match to spend, and sync with Xero in seconds.

Xero + bookkeeping built-in

Batch payments, reconciliation, and reporting that keeps your books sorted.

"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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