Business finance, minus the admin

Emerge helps you manage spending, track expenses, and stay in control of your finances without the paperwork or hidden fees.

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The driving force behind some of NZ's coolest small businesses

Built for the way you actually run a business.

Traditional banks weren’t designed for the speed and flexibility small businesses need. Emerge gives you simple tools to manage your money without the waiting, fees, or complexity.

Set up in 7 minutes
Open your account from your phone. No paperwork. No queues. Just fast, simple access to the tools you need.
Say goodbye to receipt chaos
‍Snap and store receipts in the app. No more chasing staff or sorting shoeboxes at tax time.
Stay on top of spending
‍Track every dollar with real-time insights, spending limits, and smart categorisation.

"Having just launched Fremont Studio, I needed a bank account that I could get up and running ASAP. Emerge was the best choice because I could set up an account in minutes. It’s been an absolute dream so far and I haven’t looked back."

Elena Parry, Owner, Fremont Studio

Smarter card control.

Give your team the freedom to spend while you keep full visibility.

Create virtual and physical cards 
Instantly spin up cards for staff in just a few taps.
Set limits and lock down spend 
Control how much can be spent, where, and on what.
Track every transaction in real time 
Stay across team purchases as they happen.

Find out more

Bookkeeping made easier.

No more end-of-month headaches or messy reconciliation.

Connect to Xero in one click 
Your transactions flow straight into your accounting tool.
Snap and attach receipts instantly 
Cut out the follow-ups and missing paperwork.
Sort and tag as you go 
Stay tidy for tax time without the Sunday admin slog.

Learn more

Accounts that stay organised.

Separate your money without setting up extra logins or apps.

Open as many accounts as you need 
Keep tax, savings, or team spend separated clearly.
Set auto-rules to split income 
Move funds into the right accounts without lifting a finger.
See everything at a glance 
Your full financial picture in one clean dashboard.

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.

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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