A smarter way to run your business finances.

Multiple accounts, total visibility, built-in control. Whether you’re going all-in or just using Emerge for spend - it works how you do.

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Structure your money your way.

Create as many accounts as you need to stay organised - for tax, teams, clients, or goals.

Create unlimited accounts 
Add as many as you like for GST, savings, projects or people.
Custom account names 
Set clear labels to reduce confusion.
Real-time balances and transfers 
Instantly view and move money between accounts.

Full access for admins. Limited access for team.

Assign roles and permissions to stay secure and in control.

Admin access 
Access everything, from settings to spend controls.
Team access 
Team members only see their own cards and spend.
Instant role management 
Add or remove users and adjust access at any time.

Set smart rules that keep things on track.

Automate your controls to stay in-policy and on top of every dollar.

Balance alerts 
Get notified when account funds drop below your chosen threshold.
Multi-auth payments 
Require dual or multi-step approvals for high-value transactions.
Auto-transfer rules 
Split incoming funds across accounts for tax, GST, savings, etc.

Built with security at its core.

From encrypted logins to real-time fraud detection, your money’s safe, always.

Encrypted infrastructure 
Industry-grade security protects every transaction.
Biometric + 2FA protection 
Logins are verified by fingerprint or facial ID.
Trusted custody partners 
Funds are held securely with licensed institutions.

Find out more

“Emerge came to the party big time. Their onboarding was exactly as promised - I had an account and card ready in minutes. Huge plus for any founder.”

Aditi Gorasia, Founder, Ads on Pads

Built for modern Kiwi businesses.

Everything you need, nothing you don't.

Unlimited accounts

Keep everything separated and organised.

Smart rules

Let automations handle the busy work.

Team permissions

Delegate with peace of mind.

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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