Put every dollar to work

Growth account for your business

Every dollar in your Growth account earns 2.6% p.a. variable interest, calculated daily and paid into the account monthly.

The rate generally moves with the Reserve Bank’s Official Cash Rate (OCR). If it changes, you’ll see the new rate in the Emerge app straight away. No spreadsheets, no guessing.

Better money habits, minus the admin

• Spin up a Growth account

  Add a Growth account alongside your main emerge Buisiness acccount, directly in the app.
• 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 is calculated every day and added to your Growth account monthly.
• Access it instantly
  Move funds back to your operating account in a few taps. No notice period. No waiting days.

Put your money on autopilot

Create rules to divide incoming money, sweep spare funds from Operating into Growth or schedule regular top-ups.

Change the rules whenever you like. If the business needs the money, move it back instantly.

Stay in control as your team grows

Choose who can access the account and what they can do.

Real-time alerts keep you informed about money moving in or out, including each monthly interest payment. Statements can be exported as CSV or PDF when it's time to reconcile or report.

More ways to grow your money

Open an Investment account in the Emerge app and invest with the First Mortgage PIE Trust. With a minimum investment of just $500 and professional fund management, it's an easy way to grow your money over the long term.

Your money is protected

Growth account funds are safeguarded in a trust account with a licensed bank. Eligible deposits are covered by New Zealand's Depositer Compensation Scheme, up to the scheme limit.

Emerge also uses bank-grade security, real-time monitoring and controlled account access to help protect your business and its money.