Open your business account in minutes.

Emerge makes it fast, free, and ridiculously simple to get started. No queues. No paperwork. No delays.

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All you need to get started.

No prep needed. Just bring your ID and a few basic business details.

  • Photo ID
    A passport or NZ driver’s licence for identity verification.
  • Basic business details
    Business address, details and NZBN number.
  • Registered director
    You must be a listed director to start setup.

Everything business banking should be. Nothing it shouldn’t.

Fast to set up. Easy to control. Trusted by teams across New Zealand without the delays, paperwork, or old-school nonsense.

Cards for your team

Issue virtual and physical cards instantly with spending limits and real-time tracking.

A better business account

Multiple accounts, team roles, widgets and controls to manage it all.

Automated expense tracking

Snap receipts, auto-match to spend, and sync with Xero in seconds.

Xero + bookkeeping built-in

Batch payments, reconciliation, and reporting that keeps your books sorted.

Ditch the paperwork,
skip the queue.

Apply, verify and open your account directly from your mobile. No delays, no nonsense.

  • Completely digital

    Apply and verify from your mobile. No queues. No printed forms.
  • No hidden fees

    No monthly fees or minimum balances. Ever.
  • NZ business account
    Includes local account number and bank transfers.

All you need to get started.

No prep needed. Just bring your ID and a few basic business details.

  • Photo ID
    A passport or NZ driver’s licence for identity verification.
  • Basic business details
    Business address, details and NZBN number.
  • Registered director
    You must be a listed director to start setup.

Multiple directors?
Too easy.

Emerge handles multi-director businesses without the runaround.

  • Start with one
    Any director can begin the process.
  • Add others instantly
    Invite co-directors from the app.
  • Each verifies digitally
    No paperwork or in-branch visits.

All you need to get started.

No prep needed. Just bring your ID and a few basic business details.

  • Photo ID
    A passport or NZ driver’s licence for identity verification.
  • Basic business details
    Business address, details and NZBN number.
  • Registered director
    You must be a listed director to start setup.

Multiple directors?
Too easy.

Emerge handles multi-director businesses without the runaround.

  • Start with one
    Any director can begin the process.
  • Add others instantly
    Invite co-directors from the app.
  • Each verifies digitally
    No paperwork or in-branch visits.

Your account's ready

Open in minutes and unlock the power of Emerge.

Download the app

Scan to download the app

Frequently asked questions

What businesses can use Emerge?
What if my business has multiple directors? 
Can I open more than one account with Emerge?
Can I move my business to Emerge?
Can I give my employees access to Emerge?