Security beyond traditional banking

We're pairing the best technology and processes to keep your money safe and secure. Always.

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Prioritising security above all else

We're not a bank but we've built a financial platform that prioritises your security above all else. We believe you shouldn't have to choose between convenience and protection.

Transaction Security

  • 3D Secure (3DS)
    Most online transactions require your approval in the app within 2 minutes.
  • In-app approvals
    We prioritise in-app approvals over SMS to reduce the risk of fraud.
  • Coming soon - Custom rules and controls
    ‍    Set your own in-app rules so that your account activity is in-policy and safe against fraud.

Card protection

  • Secure CVC  
    Your card's CVC is stored securely in-app, locked behind biometrics or passcode.
  • No magstripe
    We've eliminated the magstripe to prevent skimming fraud.
  • Instantly free cards
    Block all card transactions instantly with just a few taps in the app.
Debit cards

Account security

  • Two-step password reset
    A short video verification is required to reset your password, keeping your account secure.
  • Push notification and code verification
    We send you a 6-digit code for verification on calls with Emerge representatives.
  • Disposable virtual cards
    Create virtual cards with spending limits for online purchases.
"As an AML professional, Emerge has impressed me on so many fronts; the simple onboarding, the amazing app and the attitude to card security - to name a few. As an example, when your card arrives there are no details on the card itself. Instead, these are all in the app removing any risk of card fraud if your card were to go missing."
VJMC Consulting
Find out more

The Future of Security: Our Roadmap

We're committed to continuous innovation and improvement. Here's what's coming soon

Clear security resources

Easy-to-understand guidance on security best practices when you join.

Coming soon
Caller identification

A clear in-app alert whenever we call you for support to prevent scammers.

Coming soon
Multi-authorisation on transfers

Customisable rules requiring multiple approvals for large transactions.

Custom in-app authorisation

Set custom limits, account rules and more to keep your account in-policy and secure.

Proactive fraud prevention

We're building cutting-edge fraud detection tools in-house, monitoring for unusual behaviour, and exploring biometrics to stay ahead of threats.

Your money, secure with ANZ

Your funds are held in bare trust with ANZ, one of New Zealand's leading banks (while we work towards our own banking license).

Digital-first focus

We're a digital-first financial platform designed from the ground up with security as a core principle. We're not burdened by outdated systems like many traditional banks.