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.

Built for peace of mind.

Enterprise-grade security. Smart controls. A platform you can trust.

Open an account Download the app Let's talk

Smartphone screen showing a payment confirmation for $150.00 NZD to Amazon via Emerge app, with options to confirm or reject payment and a teal shield with a checkmark symbolizing security.

Card-level security that goes further.

Every transaction is backed by serious protection with real-time control in your hands.

No CVV on the card 
Card details are stored securely in-app, protected by biometrics.
Instant freeze + replace 
Lost a card? Lock it instantly and issue a new one in seconds.
3D-secured 
Online transactions are protected with built-in approval flows inside the app.

Hand holding a smartphone displaying a digital wallet app with a frozen virtual card named Agency Expenses and recent transactions.

Smiling blonde woman using her phone indoors, with an overlay notification from Emerge app asking to authorise a $30 payment to Amazon online.

Full account control, right from your phone.

Set smart spend rules, manage team permissions, and approve payments, without leaving the app.

Multi-approval on payments 
Set custom rules for dual or team approvals.
Secure QR login for desktop tool 
No passwords or risky links - approve access directly in-app.
Real-time alerts 
Get notified the moment money moves, on any card or account.

Built to protect in every situation.

Whether you're paying, getting paid, or managing a team, we've thought it through.

Three white rounded squares with teal icons: a snowflake, a shield with a padlock, and two credit cards.

Fraud prevention baked in

Disposable virtual cards, transaction-level limits, instant freeze, and no magstripe.

Shield icon with a checkmark representing PCI DSS Version 4.0 compliance.

Global-grade infrastructure

We meet global PCI DSS 4.0 standards with continuous monitoring and strict internal protocols.

Your money is safe with us.

We don’t take shortcuts, and we don’t touch your funds.

Green padlock icon centered on a blue background with circular gradient rings, symbolizing security or privacy.

Held securely with ANZ

All funds are held in bare trust with ANZ. Your money stays safe and untouched, always.

Three Emerge branded Mastercard credit cards, two teal corporate cards and one dark blue estate card, displayed against a light blue background.

Mastercard-backed

We issue all cards through Mastercard, our partner in reshaping financial tools in New Zealand.

Three purple SquareOne payment cards with chip and contactless symbols, fanned out on a light background.

Built by experts

The same team behind SquareOne, trusted by over 250,000 Kiwi customers.

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.

Available on

Features

Use cases