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.

More spend shouldn't mean less control.

Give your team instant cards to spend what they need, while you set the limits, see every transaction and stay in control.

Open an account Download the app Let's talk

Three Emerge Mastercard corporate cards, two turquoise and one navy, with toggles for international in-store, online, and contactless payment options enabled.

Stop sharing the company card

The business grew. The number of company cards didn't.

Give everyone who needs to spend their own instant virtual or physical debit card. No sharing cards, waiting around or messy reimbursements.

You stay in control with individual limits and real-time visibility.

Their card, your rules

Give your team the freedom to spend, while you decide exactly how.

Spending limits
Daily, weekly or monthly spend caps by card.
Card permissions 
Choose where cards work; online, overseas, at ATMs or contactless.
Custom rules 
Auto-flag transactions over a certain amount, or trigger receipt uploads.
Instant control
‍Change limits and freeze cards instantly in app.

Smiling young woman looking at her smartphone screen indoors with a graphic overlay reading 'Daily limit' accompanied by a dollar sign icon.

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

Let's fix your team spend

Take the admin out of team spend

Give finance more time back, with less chasing, reconciling and cleaning up every month.

No more chasing reciepts

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

Categorise as you go

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

Easy reconciliation

Connect to Xero in minutes, with transactions, receipts and coding syncing automatically through live bank feeds.

Your business, your setup

Set Emerge up to work the way your business does, however your teams, accounts and spending are structured.

Seperate accounts
‍Create separate accounts for teams, departments, projects or clients.
The right access
‍Give people access to what they need, with different roles and views for your team.
Real-time visibility
See spend as it happens and stay across activity across every account.

And yes, it's free.

Many spend tools lock cards, accounts and automation behind monthly fees. Emerge includes everything you need to run team spend properly without per user pricing or feature paywalls.

No contracts. No complicated pricing. No software to implement. Just a better setup.

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.

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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