Put your cash to good use.

Growth for business.

Right now it’s 2.1% p.a. variable. Your balance earns interest every day, and we pay it into your Growth account each month.

The rate can change and generally moves with the Reserve Bank of New Zealand’s Official Cash Rate (OCR). When it changes, we update the rate in the app and you’ll see it immediately - no spreadsheets, no guessing.

Cash discipline without the friction.

• Spin up a Growth account

  Add Growth accounts in the Emerge app alongside your main business account. It takes minutes.
• Move surplus, operating cash
  Shift the stuff you shouldn’t be touching - tax, GST stash, contractor runway, buffer for next month’s payroll.
• Let it work in the background
  Interest builds every day and lands monthly as a single credit to Growth.
• Access it isntantly
  Need to pay invoices, wages, yourself? Move funds back to your operating account in a couple of taps.

Set the rules once.

Create simple rules that auto-split every receipt, sweep excess from Operating into Growth, and schedule top-ups. Edit rules any time and move funds back instantly when needed.

Controls and audit.

Give the right people the right permissions, add approvals for large transfers, and track a full activity log. Export CSV or PDF statements, and get real-time alerts for every movement and monthly interest credit.

Higher yield is coming.

We’re building a higher-yield cash option with the same instant access and simple controls - no calls, no wait times. Set up a Growth account now and you’ll be first to know when it’s live.

Safe, compliant, local.

Funds are safeguarded in a trust account with a licensed bank, and eligible deposits are covered by New Zealand’s Depositor Compensation Scheme up to the scheme limit. We use bank-grade security with real-time monitoring.