From your first pay to your first business. One app. All your money… Emerge is the fast, modern money experience made by Kiwi, for Kiwi.

No branches. No paperwork. No waiting. Just clarity and control the old banks can’t give you.

Everyday life, your way
+ Open your account in minutes
+ Spend instantly with Apple Pay + Google Pay
+ Create and customise virtual cards
+ Track spending live, set limits, freeze cards anytime
+ Coming soon: shared accounts, savings goals, round-ups

No hidden fees. No hold music. Just your money, your way.

For your business
+ Open a business account fast
+ Unlimited cards for your team or contractors
+ Assign roles (Owner, Admin, Team)
+ Set limits by person, spend type or purpose
+ Snap receipts, tag expenses, sync with Xero

From side hustle, to sole trader, right through to fast scaling business. Smart tools. No admin headaches. Emerge helps you stay on top of finances without the spreadsheets or delays.

Why Emerge
+ Money that feels human. No jargon. No judgment.
+ Built in NZ, for the way we actually live + work.
+ Deposits held with an AA-rated registered NZ bank.
+ Covered by the New Zealand Deposit Compensation Scheme.
+ Bank-grade security, biometric login, full visibility.

Thousands of Kiwi run life + business in one place with Emerge. Once you’re in, you won’t go back.

Download Emerge. Set up in minutes. Start spending today.

*Emerge isn’t a registered bank - yet. We’re a digital-first alternative building NZ’s first true challenger.