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 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.

Still chasing your team for receipts?

Capture receipts as your team spends, keep them matched to the right transactions, and send clean data through to Xero.

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Trusted by 3,000+ Kiwi businesses

Take the admin out of expenses

From receipts to reconciliation, Emerge takes care of more of the manual work so you can spend less time on admin and more time on business.

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Receipts sorted

Capture receipts in-app and attach them straight to transactions.

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Keep the books tidy

Transactions are automatically categorised, with custom GL codes to keep everything organised.

Easy reconciliation

Connect to Xero, with transactions, receipts and coding syncing automatically.

“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

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.

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 spend caps by card.
Card permissions
Choose where cards work: online, overseas, at ATMs or contactless.
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.

Rules that do the work
Set receipt requirements, balance alerts and automatic transfers to take care of repetitive admin.
Real-time visibility
See transactions as they happen and stay across spending without waiting for statements.
Web tool
Manage accounts, transactions and team spending from your desktop.

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.

Team management

Easily add or remove people as your team changes, keeping access up to date.

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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