
Emerge: Money Made Easy
Personal + Business. One app.
Only for iPhone
Free
iPhone
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.
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.
The developer, Emerge Group Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Financial Info
- User Content
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Emerge Group Limited
- Size
- 151.8 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later.
- Languages
- English
- Age Classification
4+
- 4+
- Copyright
- © Emerge Group Limited 2026
