It’s free, fast and built better

Get your business account up and running in minutes, not weeks. Emerge is designed for Kiwi businesses who want simple, hassle-free banking services that care.

No paperwork, no bank visits, no fuss

Say goodbye to the endless forms, queues, and frustrating wait times of traditional banks. With Emerge, you can open your business account entirely online in minutes.

  • Completely digital

    Apply and get approved from your mobile in minutes.
  • No hidden fees

    Zero monthly fees and no minimum balance requirements.
  • Simple and intuitive
    Our app is designed to make managing your finances a breeze.
Open an account
Multiple directors? No problem!

Emerge makes it easy for businesses with multiple directors to get on board.

One director starts

A registered director initiates the account opening process.

Others invited seamlessly

The initial director can easily invite other directors to join the account within the app.

Streamlined verification

Each director completes a simple identity verification process with their device.

How it works?

It’s the simplest way to open a business account in NZ:

  • Download the app
    Get the Emerge app on your phone or tablet.
  • Register yourself and your business

    Enter your details and verify your identity.
  • Invite your team
    Add other directors or team members to your account.
Open an account
I needed to open a business account quickly and tried at all the major banks with no luck. Emerge came to the party big time. Their onboarding was exactly as promised and I had an account and card ready in minutes which is a huge plus for any business founder.
Founder, Ads on Pads
Find out more
Access levels for your team
Owner/admin

Full access to all account features, including adding/removing users, managing cards, and viewing financial reports.

Team member

Can only view and use their assigned cards and see their transaction history.

Coming soon - Copilot

Access the web tool for reporting and support purposes, but cannot make changes to the account or initiate payments.

Who is Emerge for?

Currently, Emerge is designed for New Zealand-registered limited liability companies (LLCs). But we're working on expanding our offering to other business structures soon. If you're not sure you qualify, get in touch and we can work it out.

Let's talk

Frequently asked questions

What types of businesses can use Emerge?
What if I have multiple directors for my business?
Can I open multiple accounts with Emerge?
Can I switch my existing business bank account to Emerge?
Can I give my employees access to the Emerge account?