Emerge: NZ Business Finance

Unleash your business finances - say hello to Emerge.

Emerge is a digital-first banking alternative for Kiwi businesses.

Emerge is a new way of managing your money as a business owner or operator built to enable you to go faster, be more cost-effective, and save time:

+ Entirely mobile - no bank branches or paperwork
+ Open an account in minutes, on your phone
+ Zero fees or account costs
+ Unlimited virtual cards you create for you (and your team) to use instantly
+ Xero integrations for receipt capture, batch payments, and more
+ (Really cool) physical cards
+ Google & Apple pay
+ Multi-director access
+ Access levels for Admin & Team roles
+ Security features that are best-in-class
+ Spend controls per card for peace of mind

It’s everything you need from a business banking solution in the palm of your hand!


—WHY IT MATTERS—

We’ve heard so many stories about the single shared debit card for the office, the dreaded call wait times, and the weeks (if not months) to set up, or make simple changes to your business account.

NZ SME owners are pursuing innovative & impactful solutions - changing the future for the better. The banking sector in NZ finds it difficult to innovate and provide the forward-thinking solutions businesses need.

We can do better.

And that's what we’re fixing. Emerge is the toolkit empowering businesses to take control of their finances in a way that’s truly unique in NZ. We’re all about making it simple, efficient and easier for Kiwi businesses.


—OUR MISSION—

Finance for the ambitious: We provide a service that's meaningful and plays a part in your success. We’re doing things differently and changing what business finance looks like in NZ.

Money that works for all Kiwis: We want everyone to have a healthy relationship with money, unshackle themselves from poor financial habits & provide the tools to go further, faster.

Make banking work for you: Emerge is built with you, to make money work for you. We work with Kiwi businesses to build the solution that they need.


—KEY FEATURES—

Give everyone in the team a company card, made for them - both physical and digital…
- You set the limits so each team member has a card that meets their workload - monthly limits, single purchase sizes, how you want to be notified, and so much more.

Integrates straight into the accounting software you use...
- Taking a client out for coffee? Picking something up for the office? Put an end to the receipt rush at the end of the month. Take a receipt selfie in-app… And that’s it

Intelligence and insight you didn't think possible…
- We’re putting you in the driving seat - our intelligence dashboard categorises all income and outgoings, gives you oversight of recurring expenses, insight into spending habits and trends, and more.

Digital-first - and we mean it. Putting everything you need for your day-to-day in your pocket…
- We’re not just a reskinned web experience like you see from banks… We’ve reimagined empowering money experiences.

The best news is you can download, register, access your account, and get your team spending in literally minutes.

It’s worthwhile saying this is just what we’re aiming for at launch. We have a huge roadmap ahead of us and we’re just getting started.

Get onboard and unleash your business finances with Emerge!