Emerge is a digital-first banking alternative designed for New Zealand businesses. We offer a streamlined, app-based experience with all the essential features you need to manage your finances, like business accounts, debit cards, expense management, and Xero integration.

How is Emerge different from traditional banks?

We're built for the digital age, with a focus on speed, convenience, and a user-friendly experience. Our app-based platform makes it easy to manage your finances on the go, and we offer features like instant virtual cards and automatic receipt capture that traditional banks don't. Plus, we're a Kiwi company, so we understand the unique needs of New Zealand businesses.

Is my money safe with Emerge?

Absolutely! Your money is held in a secure trust account with a major New Zealand bank with an S&P AA- rating (the highest in NZ). This means your funds are protected even if something were to happen to Emerge.

How do I open an Emerge account?

It's easy! Simply download the Emerge app, complete the online application, and verify your identity. The whole process takes about 7 minutes.

How long does it take to get approved?

In most cases, you'll be approved instantly. However, some applications may require additional review, which could take up to 24 hours.

No, not yet. We are a registered financial service provider in New Zealand. While we offer many of the same services as a bank, we don't yet have a banking license. This means we cannot offer loans or overdrafts at this time.

How much does Emerge cost?

Emerge is free to use! There are no monthly fees, no minimum balance requirements, and no foreign transaction fees.

What businesses can use Emerge?

Currently, Emerge is available for limited liability companies (LLCs) registered in New Zealand. You must be a registered director of the company with an NZBN to get started. We're working on expanding to other business structures in the future.

What documents do I need to open an account?

You'll need your New Zealand Business Number (NZBN) and a valid form of identification (e.g. passport or NZ driver's license).

Should I use Emerge for my business?

In short, yes. You won't regret it. Emerge is built to act as your sole banking tool or as a supplement to your existing set up. No matter your business needs, you'll find Emerge works for you.

Bookkeeping that just happens.

Sync to Xero, snap receipts on the go, and get instant visibility from your mobile or desktop.

Open an account Download the app Let's talk

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Your financial command centre.

Our intuitive web tool gives you a bird’s-eye view of your business, balances, transactions, and receipts all in one place.

Real-time dashboard 
See balances, payments, receipts and card activity at a glance.
Powerful search 
Filter by name, amount, category or cardholder to find what you need fast.
Customisable views 
Tailor your dashboard to show what matters to your business.

Laptop screen displaying a financial account dashboard showing total balance, account details, transactions list, and transaction details with map.

Made to work with Xero.

Spend, sync, reconcile - no more double-handling.

Near-live syncing 
Transactions flow to Xero every few hours, fully mapped.
Batch invoice payments 
Pay off multiple Xero invoices in just a few taps.
Match-ready reconciliation 
Receipts and GL codes come prepped to match up instantly.

Snap, attach, done.

No more chasing receipts. Team members get automatic reminders to upload.

Mobile receipt capture 
Snap in the moment and pin to the right spend.
Smart reminders 
Prompted based on amount or merchant type.
Web view access 
Quickly review and export from the web dashboard.

Person holding a smartphone over a white table with a receipt, near a cup of coffee.

Flexible for any setup.

Whether you use Xero or another tool, we’ve got you covered.

Diagram showing four categories with colored outlines: Sales Revenue in purple, Marketing Expense in teal, Equipment in green, and Utilities in red.

GL coding & tagging

Assign custom categories that map to your chart of accounts.

Two rounded rectangular buttons labeled View transactions in green and Export transactions in white with green border.

Data export options

Filter and export transactions in CSV or PDF to use with any accounting software.

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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