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.

An account that means business.

Business accounts, team cards and tools to manage spending, all in one place with real-time visibility and control.

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Trusted by 3,000+ Kiwi businesses

Set things up your way

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

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Accounts that fit your business

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

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Cards for your team

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

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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.

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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

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

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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.

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Sole traders

Keep business and personal spend separate, effortlessly.

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Businesses & teams

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

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Charities & incorporated societies

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

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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