Can't lose what's not in your wallet.
Go virtual, link to Apple or Google Pay, and start spending in seconds. No waiting, no panic, no “where did I put that card?” energy.

Bold by design. Built to be used.
Go virtual, link to Apple or Google Pay, and start spending in seconds. No waiting, no panic, no “where did I put that card?” energy.

Cards that look good and lock down hard. Freeze, spin up, customise, and move - all from your app.

Every time you tap, spend, or get paid, you’ll get an instant notification straight to your phone. No delays. No mysteries.
Coming soon.
Wondering where your card details are saved? With Card Watch, you’ll see exactly which websites or services have your card info stored - and you can revoke access with a tap if anything looks dodgy.

Whether this is for yourself, your business or your family - it’s time to manage your money like you’ve always wanted to.
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The media is kinda obsessed with us. Because we’re here to make a real difference.
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.
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.
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.
It's easy! Simply download the Emerge app, complete the online application, and verify your identity. The whole process takes about 7 minutes.
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.
Emerge is free to use! There are no monthly fees, no minimum balance requirements, and no foreign transaction fees.
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.
You'll need your New Zealand Business Number (NZBN) and a valid form of identification (e.g. passport or NZ driver's license).
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.