Accounts, cards and control. All in one place.

A simpler way to manage your business finances and team spending, built right here in New Zealand.

Get startedDownload the appLet's talk
Three Emerge Mastercard corporate cards, two turquoise and one navy, with toggles for international in-store, online, and contactless payment options enabled.

Trusted by 3,000+ Kiwi businesses

Oxygen Advisors logo with stylized letter A in a pink and blue gradient circle.
Gray robotic arm labeled RoboMate positioned over a metallic surface with industrial equipment and an orange cable in the background.
BetterCo wordmark logo in light green color.
Stickybeak logo featuring a stylized blue bird head with a yellow beak inside a black circle.

Set things up your way

Everything you need to manage your finances, your team and their spending in one place.

Glowing teal checklist icon on a dark blue gradient tile.
Accounts that fit your business

Keep teams, projects or clients separate with accounts set up to suit your business.

Glowing stack of payment cards on a dark blue gradient tile.
Cards for your team

Give your team their own instant virtual or physical Mastercards, with individual limits and controls built in.

Glowing magnifying glass icon on a dark blue gradient tile.
Complete visibility

See transactions as they happen, know who’s spending what and stay across your finances in real time.

Your business account should do more

Open new accounts instantly in the app, move money between them in seconds, and choose from different account types depending on what your business needs.

  • Everyday
    For business payments, cards and day-to-day transactions. Open multiple accounts to separate expenses across teams, departments, regions or however you're set up.

  • Growth
    2.6% p.a. variable. Interest-bearing accounts with instant, fee-free access to your funds.

  • Investment
    A NZ managed investment fund available through Emerge, with returns calculated daily, paid quarterly and automatically reinvested.

Their card, your rules

Give your team the freedom to spend, while you decide exactly how.

  • Spending limits
    Set daily, weekly, or monthly spend caps by card.

  • Card permissions
    Choose where cards work: online, overseas, at ATMs or contactless.

  • Spending overseas
    Emerge cards work internationally with no additional Emerge FX fee.

  • Instant control
    Change limits or freeze cards instantly in app.

Hand holding a phone showing a transaction detail screen with a receipt attached.

Less admin. More control.

Give finance the tools to stay across spending, receipts and reconciliation, whether they're working in the app or on web.

  • Receipts sorted
    Capture receipts in-app and attach them straight to transactions.

  • Easy reconciliation
    Connect to Xero, with transactions, receipts, categorisation and custom GL codes helping keep reconciliation simple.

  • Rules that do the work
    Set receipt requirements, balance alerts and automatic transfers to take care of repetitive admin.

  • Web access
    Manage accounts, transactions and team spending from your desktop.

We were sharing a small number of company cards across a team of 20 to 30 people, which made spend tracking and reconciliation painful. Emerge gave us a clean setup. Cards are issued instantly, spend is visible in real time, and we’re saving hours every month across the team.

Mark Taylor, Head of Finance, Body in Motion

Read more

The right access for the right people

Set up roles, permissions and approvals around how your team works.

Different roles

Give owners, admins and team members the right level of access.

Payment approvals

Set up multi-authorisation so the right people approve payments before they go out.

Choose who’s in charge

Nominate someone to set up and manage Emerge on behalf of the business owner.

And yes, it's free.

Many spend tools lock cards, accounts and automation behind monthly fees. Emerge includes everything you need to run your businesses finances, without per user pricing or feature paywalls.

No contracts.  No complicated pricing. No software to implement. Just a better setup.

From expense chaos to under an hour

McCulloch & Partners used Emerge to transform expense management for a fast-moving client. Team cards replaced personal spending and reimbursements, real-time visibility replaced end-of-month surprises, and Xero integration turned hours of reconciliation into a job that can now be wrapped up in under an hour.

Read their story
Glowing teal shield with a padlock, representing funds held securely in trust.

Your money, protected

Your funds are held securely in trust with one of New Zealand’s largest and highest-rated banks, so they remain separate and protected.

Eligible deposits are also covered by New Zealand’s Depositor Compensation Scheme, up to the scheme limit.

Built by Kiwi, for Kiwi businesses

Emerge was built right here in NZ, and so was our support team.

When you need a hand, you’ll get a real person who knows Emerge, understands Kiwi business, and can actually help get things sorted.

Built for 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.

Smiling woman using her phone beside a laptop in a bright office.
Sole traders

Keep business and personal spend separate, effortlessly.

Three colleagues gathered around a laptop in a studio workspace.
Businesses & teams

Accounts, cards and controls for businesses of all sizes, from small teams to growing companies.

Volunteers in high-visibility vests packing boxes of food donations.
Charities & incorporated societies

Give treasurers, committees and volunteers the right access, cards and controls without sharing logins.

Your business deserves better

Accounts, cards and tools built for Kiwi businesses that expect more from the way they manage money.

Download the app

Scan to download the app

Frequently asked questions

What is Emerge?
How is Emerge different from traditional banks?
Is my money safe with Emerge?
How do I open an Emerge account?
How long does it take to get approved?
Is Emerge a bank?
How much does Emerge cost?
What businesses can use Emerge?
What documents do I need to open an account?
Should I use Emerge for my business?