Emerge: Money Made Easy
Personal + Business. One app.
Only for iPhone
Free
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.
more We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
2.1.7 12h ago
We're always working to deliver you a better experience with Emerge — with this release we're adding IRD as a payee option when making payments.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
2.1.6 Mar 20
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
2.1.5 Mar 4
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
2.1.4 Feb 26
Pay with confidence! We now use Confirmation of Payee to check payee names against account numbers before your payment goes through. It’s an extra layer of protection designed to help prevent mistakes, reduce fraud, and give you more confidence every time you pay.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
2.1.3 Feb 17
You can now customise your Home screen balance.
Choose to show your total balance across all accounts, or select specific accounts instead.
See what matters most, right when you open the app.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
2.1.2 Feb 4
Stay in control with new personal account rules.
- Automatically split and move money across your accounts
- Get notified before your balance runs low
- Get reminders to add receipts for certain purchases
Simple. Fair. Beautifully Emerge.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
2.1.1 Jan 22
Big news! You can now sign up to Emerge as a sole trader.
Whether you’re on the tools, behind the wheel, or working from your kitchen table, Emerge helps you separate business from personal and keep things simple.
Simple. Fair. Beautifully Emerge.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
2.1.0 Jan 15
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how money should feel.
With this release you can now create person and business payees and customise your Home Screen background.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
2.0.6 12/23/2025
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how money should feel.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
2.0.5 12/09/2025
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how money should feel.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
2.0.4 12/02/2025
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how banking should feel.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
2.0.3 11/18/2025
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how banking should feel.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
2.0.2 11/10/2025
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how banking should feel.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
2.0.1 11/03/2025
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how banking should feel.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
2.0 10/21/2025
Big news: Emerge Personal is here.
For the first time, you can use Emerge not only for your business banking but also for your everyday personal money. This release marks the beginning of our personal banking journey — alongside a few small improvements to keep everything running smoothly.
As always, your feedback helps us grow. Tap Manage > Help to share your thoughts.
1.6.2 10/07/2025
Big news: Emerge Personal is here.
For the first time, you can use Emerge not only for your business banking but also for your everyday personal money. This release marks the beginning of our personal banking journey — alongside a few small improvements to keep everything running smoothly.
As always, your feedback helps us grow. Tap Manage > Help to share your thoughts.
1.6.1 09/21/2025
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
If you have suggestions, we’d love to hear from you. Just tap Manage > Help, and we’ll be there to chat.
1.6 08/31/2025
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
If you have suggestions, we’d love to hear from you. Just tap Manage > Help, and we’ll be there to chat.
1.5.5 08/20/2025
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
If you have suggestions, we’d love to hear from you. Just tap Manage > Help, and we’ll be there to chat.
1.5.4 07/31/2025
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
If you have suggestions, we’d love to hear from you. Just tap Manage > Help, and we’ll be there to chat.
1.5.3 07/10/2025
This release brings us closer to launching powerful new features that we know you will love:
• Top up reminder - Set up alerts and reminders for when account balances and card limits are low
• Receipt requirement rules - Rules for receipt capture to align your team to your expense policy
• Auto transfer rules - Set up automated distribution rules on designated accounts
1.5.2 06/03/2025
This release brings us closer to launching powerful new features that we know you will love:
• Top up reminder - Set up alerts and reminders for when account balances and card limits are low
• Receipt requirement rules - Rules for receipt capture to align your team to your expense policy
• Auto transfer rules - Set up automated distribution rules on designated accounts
Additionally, we've made significant improvements behind the scenes.
Stay tuned for more exciting updates!
If you have suggestions, we'd love to hear from you. Just tap Manage > Help, and we'll be there to chat.
1.5.1 05/27/2025
This release brings us closer to launching powerful new features that we know you will love:
• Subscription cards – Create virtual cards specifically for online services
• Top up reminder – Set up alerts and reminders for when account balances and card limits are low
• Receipt requirement rules – Rules for receipt capture to align your team to your expense policy
Additionally, we’ve made significant improvements behind the scenes.
Stay tuned for more exciting updates!
If you have suggestions, we'd love to hear from you. Just tap Manage > Help, and we'll be there to chat.
1.5 04/10/2025
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
If you have suggestions, we’d love to hear from you. Just tap Manage > Help, and we’ll be there to chat.
1.4.7 02/03/2025
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
more Version 2.1.7 12h ago
Data Linked to You The following data may be collected and linked to your identity:
Data Not Linked to You The following data may be collected but it is not linked to your identity:
Financial Info User Content Diagnostics 
