Built for fast-moving agencies.

Emerge gives marketing and creative teams the tools to manage ad budgets, track client spend, and handle team expenses - all in real time, all in one place.

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Backing the creatives who accelerate business

Client budgets under control.

Track every dollar by campaign or brand, without the chaos.

Create dedicated accounts for clients or projects 
Separate spend clearly with no extra logins or tools.
Spin up virtual cards instantly 
Perfect for Meta, Google, or other ad platforms access.
Track ad spend in real time 
‍No more guessing or reconciling across platforms.

Team expenses that just work.

Give your team the freedom to spend, without the risk.

Issue cards to staff, creatives, or freelancers 
No more card sharing or personal reimbursements.
Set spend limits and usage rules 
Stay in control of client and internal spend.
Monitor activity in real-time 
No surprises when the statements come in.

End-of-month made easy.

Automated tools to close the books faster.

Snap receipts in the app
No more Dropbox folders or chasing emails.
Auto-match transactions in the app
‍Smart sync that actually saves time.
Track by card, account, or category
‍‍Full reporting clarity across teams and clients.

“With Emerge, we give each client their own account and card, which makes reconciliation an absolute dream. I was frustrated with our old bank, and Emerge felt like the fresh, Kiwi-built solution we needed. It’s fast, simple, and built for businesses like ours - I love using it.”

Tina Comrie, The Attention Agency

Perks that actually matter

From SaaS tools to startup services, our partner marketplace is packed with offers designed to help you save cash and scale faster. No fluff - just real discounts on the things you already use (or should be using).

Your money, secured by design

At Emerge, your funds are held securely in trust with an AA-rated bank. That means nothing is ever lent out, touched, or risked - your money is yours, always.

Banking isn’t built for how agencies work.

Traditional business accounts weren’t designed for fast campaigns, high-volume spend, or multiple clients and teams. Emerge gives you control, clarity, and automation — so you can focus on the work, not the finance admin.

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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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