Missed O-Week?
O-Week was your chance to crack the code in person.
Thousands of students tried. Nobody got it.
Now the vault is part of the draw. Sign up, refer your mates, and stack entries for your shot at the $5,000.
Check out the T&C’s here.

O-Week was your chance to crack the code. Turns out it wasn't that easy. Now it’s all about entries.
Sign up. Refer friends. The more entries you stack, the better your odds in the draw.

Download Emerge and create your free account.
Sign up = 1 entry into the draw.

Share your code. There’s no limit.
Every friend who signs up = 5 more entries.

At the end of March, one University of Auckland student is randomly drawn.
They receive the code, unlock the vault, and score $5,000 into their Emerge account.

O-Week was your chance to crack the code in person.
Thousands of students tried. Nobody got it.
Now the vault is part of the draw. Sign up, refer your mates, and stack entries for your shot at the $5,000.
Check out the T&C’s here.
Sign up for free and start earning entries. The more mates you refer, the better your odds of unlocking the vault and winning $5,000.
Scan to download the app
We're not a bank. We're everything you need from a bank minus all the horrendous admin, long wait times and poor experience. Trust us, you'll love it.
Even though Emerge isn’t a registered bank, your money is held with NZ’s largest tier 1 bank - and we do it in a way that keeps your balance separate, traceable, and linked just to you.
This means that if our banking partner ever failed, we could claim your balance (up to $100,000) on your behalf under the DCS.You don’t need to do anything. Just know: your money’s protected, your name is on it, and we’ve got your back.
Honestly? There isn’t one. No hidden fees. No dodgy fine print. No junk mail trying to sell you stuff you don’t need. We built Emerge because we were tired of the catches too.
You’ll get a virtual card instantly after signing up - ready to tap and go. Physical cards? We’ll ship those out as fast as your postie can carry them (usually no more than 10 working days).
Nope, we’ve got a full suite for businesses too. Whether you're a freelancer, a founder, or running a full team, Emerge Business makes managing your money effortless.
Absolutely! In fact, it’s super simple. No endless paperwork. No weird local bank hoops. Just fast, digital-first banking the way you’re used to.
We use best-in-class encryption, numberless cards, instant card freezing, and two-factor authentication. In plain Kiwi English: your money’s locked down tight.
Emerge is not a registered bank - your money’s held safely in trust with a licensed New Zealand bank. We’re a registered financial services provider, and we hold your money in a secure trust account with a licensed New Zealand bank. You get all the protection of a big bank, with none of the big-bank vibes.
No stress, you can freeze your card instantly from the app. No waiting on hold. No “we’ll get back to you.” Just tap freeze, order a replacement, and get a new virtual card immediately so you can keep spending.
About the same time it takes to order a coffee. Just download the app, verify your ID, and you’re good to go. No branch visits, no paperwork.
Absolutely. Every time you spend, save, or transfer, you’ll get an instant notification. Your money, your moves, in real-time.
SquareOne is our app for kids and teens to learn smart money habits early. If you started with SquareOne, upgrading to Emerge Personal is the natural next step when you’re ready for real-world banking power.
Nope. It’s free to open your account, free to get your first card, free to send money to mates. A replacement card will cost you $10, that’s it.
Very soon! We’re rolling out interest-bearing accounts so you can grow your savings effortlessly. Keep an eye out — you’ll be the first to know.