Free team spend management for Kiwi businesses

Cards for your team. Clear controls. Receipts sorted. Xero connected.
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Built in New Zealand and free to use with no contracts, lengthy set ups or feature paywalls.

Let's fix your team spendDownload the app
Two smartphones displaying a financial app interface with account balance, expenses, and transactions, accompanied by two Emerge branded Mastercard cards.

We’ve already fixed it for thousands of NZ businesses, just like yours:
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Icehouse Ventures company logo.
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This is what team spend should look like

As businesses grow, spend naturally spreads across people, tools, and locations. Emerge gives you a clean, simple way to stay in control without slowing teams down.

  • Give every person or purpose their own card
    ‍No shared cards. No guessing. No follow-ups.
  • Set limits without constant approvals
    ‍Control spend upfront instead of policing it after.
  • Remove reimbursements completely
    ‍Stop asking staff to front business costs and waiting to be paid back.
  • Send clean data to finance
    ‍Less fixing. Faster reconciliation. Cleaner reporting.
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Give your team cards you control in real time

As teams grow, people need access to spend. Emerge lets you issue cards instantly, set clear limits, and see every purchase as it happens so work keeps moving without losing control.

  • Instant cards for your team
    Create physical or virtual cards in seconds and invite employees immediately.
  • Limits you control per card
    Set transaction, daily, or monthly limits to keep spend predictable.
  • Real time spend notifications
    Get notified the moment money is spent so nothing slips through.
  • Clear ownership of every transaction
    Every purchase is tied to a person and purpose, not a shared card.
  • Free to use
    No monthly fees or per user charges to issue cards or manage spend.

Plug team spend straight into your finance setup

Finance should not be chasing people or waiting for month end. Emerge keeps spend organised at the source and sends clean data into your accounting tools automatically.

  • One click bank feeds in Xero
    ‍Set up in minutes to sync transactions automatically as spend happens.
  • Receipt capture included
    ‍Receipts are attached directly to transactions, not buried in inboxes.
  • Automatic categorisation and coding
    Transactions arrive pre sorted to reduce manual finance work.
  • Enriched data for more context
    See the merchant name, time, location and contact informatino of every transaction.
  • Custom web tool for non-Xero business
    Export clean data to the accounting platform you already use.
Person holding a phone showing a $370 purchase at Noel Leeming Saint Lukes with details and an option to attach receipt, while the other hand holds a corresponding printed receipt.

How Emerge works

Get set up in minutes with everything handled in the app. No paperwork, no branches, no onboarding projects.

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Download the app to get started

Download Emerge from the App Store or Google Play and sign up your business.

Only available for registered NZ companies or sole traders.

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Verify company and create account

Complete quick in-app verification for your New Zealand registered company.

Load funds via bank transfer, just like a normal business account.

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Create cards and start spending

Issue physical, virtual, or subscription cards in seconds.

Invite team members, set limits, and track spend as it happens from day one.

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

Let's fix your team spend

Spend that adapts to your business.

Emerge is not just for expenses. It is a flexible spend layer you can shape around your business.

Team and departments 


Give teams their own access so they can move quickly while finance keeps oversight.

Client and revenue linked spend


Run cards or accounts per client or campaign to keep spend clean.

Projects and on the ground spending


Create cards for events, travel or short term work and close them when the job is done.

Subscriptions and tools


Track software and recurring services with dedicated cards you can cancel anytime.

Hand holding a smartphone displaying a digital company subscription card with remaining card limit of $400 and recent transactions.

The right card for every type of business spend

Different types of spending need different levels of access. Emerge gives you purpose-built cards so teams can spend appropriately without workarounds.

  • Physical cards for everyday business spend
    ‍Use for travel, suppliers, fuel, and in person purchases.
  • Instant virtual cards for flexible spend
    ‍Create cards instantly for online purchases and short term use.
  • Subscription cards for recurring payments
    ‍Online only cards locked to trusted merchants for software and ongoing costs.
  • Backed by Mastercard
    Accepted anywhere Mastercard is used with close to interbank FX rates.

No more personal spending and messy reimbursements

Your team should not be fronting business costs and waiting to be paid back. Give them the right access from the start and remove reimbursements entirely.

  • No more fronting business costs
    ‍    Employees use business cards instead of personal money.
  • Save hours on manual reimbursement processing
    ‍Finance no longer reviews, approves, and pays expense claims.
  • Spend is recorded at the time of purchase
    ‍Transactions and receipts are captured automatically.
  • Clear accountability without awkward follow ups
    ‍Each transaction shows who spent what and why.
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And yes, it's free.

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

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

Let's fix your team spend

Built for NZ, backed by real support.

Emerge is built in New Zealand with a local team who understand how Kiwi businesses operate. Set things up quickly, get help when you need it, and move forward without onboarding projects or hidden costs.

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Dedicated local contact available

Real people in New Zealand who know your business and can help when it matters.

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Support in-app, whenever you need

Message us directly in the app and get help on your terms.

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Built and supported in New Zealand

No offshore queues. No handovers. Just support that works.

Hand holding a smartphone showing a finance app with a frozen virtual Mastercard, remaining card limit, and recent transactions.

Here to protect your money.

Business spend needs strong controls behind the scenes. Emerge is built with security at its core so your money, data, and cards stay protected at all times.

  • Fraud prevention baked in

    Disposable virtual cards, instant card freeze, and no magstripe usage.
  • Transaction level controls

    Limits per card and per purchase reduce risk before it happens.
  • Global security standards

    PCI DSS Level 1 v4.01  compliant with continuous monitoring and strict internal protocols.

Ready to get started?

You do not need to figure this out on your own but you're welcome to if you'd prefer! Whether you just want to ask a few questions, see Emerge in action or are ready to dive in, fill out your details below and we'll guide you through the rest.

Thanks. We’ve got this.

Our team will reach out to help you map out a setup that fits how your business actually spends.

If you're rearing to go, just scan below to download the app and sign up today!

Download the app

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Frequently asked questions

Is Emerge really free to use?
Do we need to replace our existing bank?
Can we issue cards to multiple team members?
How do receipts work?
Does Emerge integrate with Xero?
Can we use Emerge cards overseas?
Who is Emerge best suited for?
How is Emerge different from tools like Airwallex or Weel?
What are subscription cards?
Can finance see everything in one place?
What if we do not use Xero?
How long does setup take?