Give your team the freedom to spend, while you decide exactly how.
Instant team cards
Issue virtual cards in seconds, ready to add to Apple Pay or Google Pay, with physical Mastercards available too.
Spending limits
Set daily, weekly or monthly limits for each card, based on what each person needs.
Card permissions
Choose where cards work: online, overseas, at ATMs or contactless.
Instant control
Change limits or freeze cards instantly in app.
“Before Emerge we were sharing a few credit cards between a team of 20 to 30 and struggling to reconcile all the payments and receipts. Emerge solved the exact pain point we had. Now we can issue cards in minutes, track spend, and stay on top of reporting.”
Mark Taylor, Head of Finance, Body in Motion
No weeks of paperwork or waiting around. Get your Emerge account set up in minutes and get straight down to business.
Create your Emerge Business account in under 10 minutes.
Open the accounts you need, add your team and issue cards.
Start making payments and managing your business money with Emerge.
Open new accounts instantly in the app, move money between them in seconds, and choose from different account types to build the setup that suits your business.
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.
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.
Set up roles, permissions and approvals around how your team works.
All of this, without another software bill. No monthly fees, no per-user pricing and no paying more to unlock the features you actually need.
No contracts. No complicated pricing. No software to implement. Just a better setup.
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
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.
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.
Whether you're just starting out or scaling fast, Emerge gives you the tools to run your business like a pro.
Keep business and personal spend separate, effortlessly.
Accounts, cards and controls for businesses of all sizes, from small teams to growing companies.
Give treasurers, committees and volunteers the right access, cards and controls without sharing logins.
Accounts, cards and tools that make managing business money easier for you and your team.
Download the app
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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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© 2026 Emerge Group Limited. All rights reserved. Emerge is not a registered bank. We are a registered financial services provider (FSP1000546).
