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.

How is Emerge different from traditional banks?

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.

Is my money safe with Emerge?

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.

How do I open an Emerge account?

It's easy! Simply download the Emerge app, complete the online application, and verify your identity. The whole process takes about 7 minutes.

How long does it take to get approved?

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.

How much does Emerge cost?

Emerge is free to use! There are no monthly fees, no minimum balance requirements, and no foreign transaction fees.

What businesses can use Emerge?

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.

What documents do I need to open an account?

You'll need your New Zealand Business Number (NZBN) and a valid form of identification (e.g. passport or NZ driver's license).

Should I use Emerge for my business?

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.

Built for peace of mind.

Enterprise-grade security. Smart controls. A platform you can trust.

Open an account Download the app Let's talk

Smartphone screen showing a payment confirmation for $150.00 NZD to Amazon via Emerge app, with options to confirm or reject payment and a teal shield with a padlock symbolising security.

Card-level security that goes further.

Every transaction is backed by serious protection with real-time control in your hands.

No CVV on the card 
Card details are stored securely in-app, protected by biometrics.
Instant freeze + replace 
Lost a card? Lock it instantly and issue a new one in seconds.
3D-secured 
Online transactions are protected with built-in approval flows inside the app.

Smartphone showing the Emerge app with an Agency Expenses virtual card frozen, a $945.55 remaining card limit and Apple Pay controls.

Protection built into every move.

From smarter card controls to continuous monitoring, security is built into every part of Emerge.

Always-on fraud detection: a glowing teal shield with a person icon on a dark blue gradient.

Continuous fraud monitoring

Transactions are monitored to help detect and prevent suspicious activity.

A stack of glowing outlined payment cards with spending control toggles, on a dark blue gradient.

Smarter card controls

Set spending limits, freeze cards instantly and use virtual cards for safer payments.

PCI DSS Version 4.0: a glowing teal shield with a checkmark on a dark blue gradient.

Global security standards

Your data is protected with PCI DSS 4.0 compliant systems and controls.

Smiling woman using her phone in a cafe, with an Emerge notification asking her to authorise a $30.00 payment at Amazon online.

Full account control, right from your phone.

Set smart spend rules, manage team permissions, and approve payments, without leaving the app.

Multi-approval on payments 
Set custom rules for dual or team approvals.
Secure QR login for desktop tool 
No passwords or risky links - approve access directly in-app.
Real-time alerts 
Get notified the moment money moves, on any card or account.

Your money stays protected.

We don’t lend, invest or use your funds. Your money is held securely in a bare trust account with ANZ and remains separate from Emerge.

Held securely with ANZ

Your funds are held in bare trust with one of New Zealand’s largest banks.

Three Emerge corporate Mastercard cards fanned out on a dark blue background.

Powered by Mastercard

Every Emerge card is issued through Mastercard’s trusted global network.

Two smartphones showing the Emerge and SquareOne apps with account balances and savings pockets.

Built by a proven Kiwi team

Created by the team behind SquareOne, trusted by more than 250,000 customers.

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.

Available on

Features

Use cases