Dosh
Banking made freak’n easy
Free
Banking made freak’n easy*
Dosh is the Kiwi app that helps you spend, save, and borrow money. Cause life is for living, not banking.
*Dosh is not a registered bank. However, your funds are held at a NZ registered bank.
EARN PHONE DOLLARS AND GET THE NEW PHONE YOU WANT, FASTER
Spend with the One NZ dosh card and earn Phone Dollars on your everyday spend.
Take out a home loan with dosh and get a Phone Dollars bonus towards your next phone upgrade.
HOME LOANS THAT GIVE BACK
Unlock freak’ n great interest rates on a home loan with dosh —powered by Westpac NZ.
Whether you're switching your existing home loan or stepping into your new home, dosh makes the process easy and 100% digital.
Plus, earn $1,700 Phone Dollars upon settlement so you can get the new phone you want, faster.
Your access to hassle-free borrowing starts here. Apply for a home loan with dosh today.
SPEND AND EARN PHONE DOLLARS
Spend with the One NZ dosh card and earn 1% back Phone Dollars on your eligible everyday spend. Helping you get to your next interest-free phone faster.
Pay with Apple Pay, Tap & Go in store or, shop online at any Visa enabled retailer.
You’re in control. Set limits or lock your card any time. Plus get notified every time your One NZ dosh card is used.
STRIVE TOWARDS YOUR SAVINGS GOALS
Earn an epic interest rate on your savings while you grow your balance.
Enjoy unlimited withdrawals with no fees or complicated rules.
Set your savings goals and track your progress.
Funds are held on trust with an AA- registered bank in New Zealand.
Fine print
You must be 13+ to use Dosh. See our T&Cs in the Privacy Policy. Visit Dosh.nz
Dosh is a brand of MCA Investments Limited, a registered company in New Zealand (NZBN 9429048713511), and a registered financial services provider (FSP1000801). See terms and conditions at https://www.dosh.nz/terms-conditions.
Dosh Home Loans are approved, issued and managed by Westpac New Zealand Limited (“Westpac”) and promoted by Dosh. Lending and eligibility criteria and terms and conditions apply.
Dosh home loan reward offer has a minimum loan size of $300,000 and eligibility criteria and T&Cs apply.
The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet
more Our latest app release includes the launch of our partnership with One NZ.
When you next open your dosh app you’ll notice the following:
You can now access your One Wallet in your dosh app
A brand-new card design for the One NZ dosh Visa debit card
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.5.4 Feb 4
Our latest app release includes the launch of our partnership with One NZ.
When you next open your dosh app you’ll notice the following:
You can now access your One Wallet in your dosh app
A brand-new card design for the One NZ dosh Visa debit card
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.5.3 Jan 27
Our latest app release includes enhancements to further improve your experience when using your dosh app.
When you next open your dosh app you’ll notice the following:
An improved the experience for users when using the in-app chat function.
An improved experience for when a dosh Visa debit card expires.
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.5.2 10/15/2025
Our latest app release includes enhancements to further improve your experience when using your dosh app.
When you next open your dosh app you’ll notice the following:
An improved the experience for users when using the in-app chat function.
An improved experience for when a dosh Visa debit card expires.
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.5.1 09/25/2025
Our latest app release includes enhancements to further improve your experience when using your dosh app.
When you next open your dosh app you’ll notice the following:
You can now add your Dosh Visa Debit Card to you Apple Wallet. Allowing you to pay with Apple Pay anywhere you see a contactless symbol.
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.5.0 07/23/2025
Our latest app release includes enhancements to further improve your experience when using your dosh app.
When you next open your dosh app you’ll notice the following:
You can now add your Dosh Visa Debit Card to you Apple Wallet. Allowing you to pay with Apple Pay anywhere you see a contactless symbol.
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.4.9 04/28/2025
Our latest app release includes enhancements to further improve your experience when using your dosh app.
When you next open your dosh app you’ll notice the following:
You can now add your Dosh Visa Debit Card to you Apple Wallet. Allowing you to pay with Apple Pay anywhere you see a contactless symbol.
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.4.8 04/21/2025
Our latest app release includes enhancements to further improve your experience when using your dosh app.
When you next open your dosh app you’ll notice the following:
You can now add your Dosh Visa Debit Card to you Apple Wallet. Allowing you to pay with Apple Pay anywhere you see a contactless symbol.
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.4.7 04/15/2025
Our latest app release includes enhancements to further improve your experience when using your dosh app.
When you next open your dosh app you’ll notice the following:
Dosh home loans are now available. Providing the option for you to switch your existing home loan or unlock the key to your new home loan and access our freak’n low home loans.
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.4.6 03/03/2025
Banking made freak’n easy*
*dosh is not a registered bank, yet. However, your funds are held at a NZ registered bank.
Our latest app release included enhancements to further improve your experience when using your dosh app.
When you next open your dosh app you’ll notice the following:
Updates to the home page making it easier to open accounts and apply for loans.
The bottom navigation bar has been updated to make it easier to find the Pay options where users can send and request money.
The Deals page has been renamed to Benefits and has an updated design.
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.4.5 02/12/2025
Banking made freak’n easy*
*dosh is not a registered bank, yet. However, your funds are held at a NZ registered bank.
Our latest app release included enhancements to further improve your experience when using your dosh app.
When you next open your dosh app you’ll notice the following bugs have been fixed:
Entering numbers after the decimal point when sending or requesting money
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.4.4 10/30/2024
Banking made freak’n easy*
*dosh is not a registered bank, yet. However, your funds are held at a NZ registered bank.
Our latest app release included enhancements to further improve your experience when using your dosh app.
When you next open your dosh app you’ll notice:
The new dosh card design is available to order from the dosh app.
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.4.3 09/30/2024
Banking made freak’n easy*
*dosh is not a registered bank, yet. However, your funds are held at a NZ registered bank.
Our latest app release included enhancements to further improve your experience when using your dosh app.
When you next open your dosh app you’ll notice:
Updated New Zealand income tax thresholds when opening a Strive account.
Improvements to a number of error messages.
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.4.2 08/21/2024
In our latest app release, we have refreshed the dosh brand, staying true to our aim to design and build the dosh app for the digital generation who want better options with their banking and financial services.
Brand changes include:
- Colour palette changes to your Everyday account and new colour options for your additional dosh accounts.
- Updated colours and logo on the bottom navigation panel.
- New welcome screen when logging into the dosh app.
Download the latest version of the dosh app to check out the updates.
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.4.1 07/01/2024
In our latest app release, we have refreshed the dosh brand, staying true to our aim to design and build the dosh app for the digital generation who want better options with their banking and financial services.
Brand changes include:
- Colour palette changes to your Everyday account and new colour options for your additional dosh accounts.
- Updated colours and logo on the bottom navigation panel.
- New welcome screen when logging into the dosh app.
Download the latest version of the dosh app to check out the updates.
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
1.4.0 06/26/2024
Banking made freak’n easy*
Our latest app release included enhancements to further improve your experience when using your Dosh app.
When you next open your Dosh app you’ll notice:
- You can easily apply for a Dosh Personal Loan within the Dosh app. A Dosh Personal Loan provides you with a fully digital borrowing experience with the ability to manage and view your loan in the same place you manage your money.
- Dosh users now have the option to have your wages paid into Dosh as a method of adding money into your Dosh account. Having your wages paid into Dosh by your employer removes the need to add money from your bank account into your Dosh account.
Your feedback
We’re always working to enhance your Dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the Dosh website.
If you have a minute, please leave us a review. We’d love to hear how Dosh is working for you.
*Dosh is not a registered bank.
1.3.1 05/13/2024
Banking made freak’n easy*
Our latest app release included enhancements to further improve your experience when using your Dosh app.
When you next open your Dosh app you’ll notice:
- You can easily apply for a Dosh Personal Loan within the Dosh app. A Dosh Personal Loan provides you with a fully digital borrowing experience with the ability to manage and view your loan in the same place you manage your money.
- Dosh users now have the option to have your wages paid into Dosh as a method of adding money into your Dosh account. Having your wages paid into Dosh by your employer removes the need to add money from your bank account into your Dosh account.
Your feedback
We’re always working to enhance your Dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the Dosh website.
If you have a minute, please leave us a review. We’d love to hear how Dosh is working for you.
*Dosh is not a registered bank.
1.3.0 05/09/2024
Money made freak’n easy
Our latest app release included enhancements to further improve your experience when using your Dosh app.
When you next open your Dosh app you’ll notice:
- You can easily view all your Dosh accounts in a list view and navigate to each account from the list view.
- We have made some updates to subtitles and icons in the More section of the app, making it easier to navigate.
- You’ll receive a notification if you have a declined transaction with your Dosh Card.
The following bugs have been fixed:
- Launching of Intercom messenger.
- The Strive goal graph showing on Stash accounts when opening and editing.
- Repeated transactions for some users.
- Purchase reversals on foreign currency card transactions.
- Full account number not being stored for account to bank transactions.
Your feedback
We’re always working to enhance your Dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the Dosh website.
If you have a minute, please leave us a review. We’d love to hear how Dosh is working for you.
1.2.2 02/19/2024
Money made freak’n easy
Our latest release will enable you to take your money management further in Dosh with our newest feature, Strives.
Strive accounts allow you to start saving your money in your Dosh app. Set, track and reach your savings goals while earning the bonus interest rate when you grow your Strive balance month on month. Head to Dosh.nz to view the current interest rate and bonus rate eligibility criteria.
When you next open Dosh on your device, you’ll notice the following:
- You now can save your money in Dosh by opening a Strive account, start saving right away and save towards your goals.
- There is now a Windcave fee to add money to your account via Windcave.
Why open a Strive account?
- Reach your savings goals with an epic interest rate
- Set your savings goals and track your progress at anytime
- Funds are held securely on trust at BNZ
- Enjoy unlimited withdrawals, just make sure to grow your balance month on month to earn the bonus interest rate
- Open Strives instantly from Dosh and start saving right away
Your feedback
We’re always working to enhance your Dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the Dosh website.
If you have a minute, please leave us a review. We’d love to hear how Dosh is working for you.
1.2.1 12/14/2023
Easy payments, epic cashback
Our latest app release includes a bug fix to further improve your experience when using your Dosh app.
Bug fixes:
• Resolved an issue for some customers experiencing repeated transactions in their transaction history.
Your feedback
We’re always working to enhance your Dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the Dosh website.
If you have a minute, please leave us a review. We’d love to hear how Dosh is working for you.
1.1.12 08/08/2023
Easy payments, epic cashback
Our latest release will enable you to level up your money management with our newest feature, Stashes.
Stashes allow you to easily put money aside for any occasion, so you can simply manage where your money is going. Need to put your rent or bills aside? Holiday coming up? Stashes are here to help you.
The next time you open Dosh on your device, you’ll notice the following:
- You now have an Everyday Dosh account. This is where money comes in to your Dosh wallet and the account linked to your Dosh Visa Debit Card.
- The ability to add your Stashes from your home screen and easily transfer money to and from Stashes from the navigation panel.
How to make the most of your Dosh accounts?
- Create your personal Stashes by clicking the + button next to your Everyday account.
- Customise your Stashes with colours, emojis and names to suit your money needs.
- Transfer money from your Everyday account to your Stashes and start managing your money.
Your feedback
We’re always working to enhance your Dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on your home screen, or the messenger icon on the Dosh website.
If you have a minute, please leave us a review. We’d love to hear how Dosh is working for you.
1.1.7 06/08/2023
Easy payments, epic cashback
Our latest app release includes enhancements to further improve your experience when using your Dosh app.
When you next open Dosh on your device, you’ll notice the following features:
Making it easier to access help:
• Link directly to our help and chat centre from the More section.
• Link directly to our help and chat centre during the sign-up process.
Your feedback
We’re always working to enhance your Dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the Dosh website.
If you have a minute, please leave us a review. We’d love to hear how Dosh is working for you.
1.0.72 03/21/2023
Easy payments, epic cashback
Our latest app release includes enhancements to further improve your experience when using your Dosh app.
When you next open Dosh on your device, you’ll notice the following features:
Making it easier to access help:
• Link directly to our help and chat centre from the More section.
• Link directly to our help and chat centre during the sign-up process.
Your feedback
We’re always working to enhance your Dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the Dosh website.
If you have a minute, please leave us a review. We’d love to hear how Dosh is working for you.
1.0.71 03/21/2023
Pay anyone, anywhere, instantly
Our latest app release includes enhancements to further improve your experience when using your Dosh app.
When you next open Dosh on your device, you’ll notice the following features:
Updated send to contacts, request from contacts and Split flow:
You can now choose to view only Dosh contacts when doing a Wallet-to-Wallet payment or request.
Further animation enhancements after completing a send, request and split bill.
Updated Wallet to Bank payment flow:
You can now include particulars, code and reference information with your payment to make it easier to pay bills.
Changes to notification count on app tile:
When you are out of the app and receive notifications, the counter on the app tile will only go as high as 1.
When you log into the app, the notification counter resets to 0.
Bug fixes
Improvements to auto refresh of balance and transaction details
Your feedback
We’re always working to enhance your Dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the Dosh website.
If you have a minute, please leave us a review. We’d love to hear how Dosh is working for you.
1.0.68 02/23/2023
Pay anyone, anywhere, instantly.
Our latest app release includes enhancements to further improve your experience when using your
Dosh app.
When you next open Dosh on your device, you’ll notice the following features:
Auto-refresh of balance
Your Dosh account balance now auto-refreshes. This means you no longer need to pull down on
your Home Screen to update your balance.
Your transaction history will update in real-time, for example when making card purchases or
sending and receiving payments.
User experience developments
We have introduced several enhancements to split bill payments and adding money to your
account. Go into your app and try them out!
3D illustrations
You will now be presented with 3D imagery when completing certain activities such as adding
money to your Dosh account, ordering a Dosh Card or splitting a bill. Let us know what you
think.
Watch this space for more to come!
Got questions?
Send us a message via in-app support, just click on the ‘?’ icon top right on home screen, or by
clicking on the messenger icon on the Dosh website.
If you have a minute, please leave us a review. We’d love to hear how Dosh is working for you.
1.0.60 12/22/2022
Our latest app release includes the launch of our partnership with One NZ.
When you next open your dosh app you’ll notice the following:
You can now access your One Wallet in your dosh app
A brand-new card design for the One NZ dosh Visa debit card
Your feedback
We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website.
If you have a minute, please leave us a review. We’d love to hear how dosh is working for you.
more Version 1.5.4 Feb 4
Data Linked to You The following data may be collected and linked to your identity:
Contact Info User Content Data Not Linked to You The following data may be collected but it is not linked to your identity: