Built for founders. Not bank tellers.

You’re building something big, and legacy banking is slowing you down. Emerge gives startups the financial tools to move fast, stay in control, and get real support from people who’ve been there.

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Trusted by NZ's fastest-moving startups

Get up & running in minutes, not months.

You’re building, hiring, pitching, surviving. Your time matters.

Account live in minutes
No paperwork. No waiting. Open your business account straight from your phone and start using it before your next meeting ends.
Virtual cards, instantly
Create cards for yourself or your team in minutes. Use them online or in-store from day one with Apple Pay and Google Pay.
No fees, no catches
No monthly charges, no minimums, no surprise fees. Just clean, transparent pricing built for early-stage businesses.

Not just an account. A launch partner.

Emerge gives you more than tools. You get support, connections, and momentum. Whether you're in beta or scaling fast, we're here to help you grow with confidence.

A founder-first community 
Connect with other Kiwi builders. Share wins, swap advice, and stay inspired.
Innovation that keeps up 
From smarter spend tools to global payments, our roadmap is shaped by what founders need.
Here to help you win 
Everything we build is designed to remove friction and keep you focused on what counts.

Building nuclear fusion tech isn’t cheap. We needed our engineers to have access to capital so that they could go out and procure what they needed to get their jobs done. The banks made us jump through hoop after hoop to reach a solution. Emerge solved it for us in minutes and have been incredible partners ever since.

Al Simpson, COO, OpenStar Technologies

Real support, from real Kiwi

No offshore scripts. No hold music. Just a local team who gets the startup grind and actually helps when you need it.

Expenses, sorted

Snap receipts. Auto-categorise. Know where every dollar's going.

Pay & get paid faster

Send, receive, and manage payments without the bottlenecks.

Xero, meet autopilot

Connect once, reconcile forever. Sync your Emerge account with Xero and let the books balance themselves.

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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