Your first account.

No passport or driver's license? No worries. Join with a Student ID, MyMahi Digital ID, or even no ID at all.

You’ll get instant access with basic limits to keep things safe. When you’re ready, you can upload a passport or driver’s licence to unlock full access and higher limits.

Earn it. Save it.
Grow it.

Made for your first job, your side hustles, and your savings goals.

• Get paid straight into your account
  From weekend shifts to babysitting gigs, your earnings land safely and instantly.
• Start building real savings
  Put money aside for the stuff that matters - your licence, a new phone, or that big goal you’re working towards.
• See every dollar clearly
  Track what comes in, what goes out, and how your balance grows over time.
• Built for hustlers
  Whether you’re mowing lawns, tutoring, or flipping sneakers, Emerge Youth keeps your money sorted.

Safe, simple,
and Kiwi built.

Independence without the stress.

• Instant card controls
  Misplaced your card? Freeze and unfreeze it in seconds straight from your phone.
• Real-time alerts
  Every payment, every top-up, every spend - you’ll always know exactly what’s happening.
• Limits that keep you safe
  You’ll start with simple, secure limits. Upload your passport or driver’s licence anytime to unlock more freedom and higher limits.

The protection
behind every dollar.

Your money matters. We treat it that way. Your funds are safeguarded in a trust account with a licensed bank.


Eligible deposits are covered by New Zealand’s Depositor Compensation Scheme (DCS) up to the scheme limit. The app is built with bank-grade security and real-time monitoring.

Too young for Emerge?

Check out SquareOne.

SquareOne is our app built just for kids, designed to help them learn the basics of earning, saving, and spending in a safe, hands-on way. Parents stay firmly in control with real-time visibility and permissions. Kids get the freedom to practise managing their own money and build smart habits early.