Put your money
to work, today.

2.1% p.a. variable. Subject to change.
Money you spend lives in your everyday account. Money you want to grow lives here.

Download the app
Smiling woman in sunglasses holding a smartphone displaying a savings account app with message 'Savings sorted!' by a pool.
Hand holding a smartphone displaying a savings app with a $3,300.23 balance and an option to set a savings goal.

Savings for everyday.

Right now it’s 2.1% p.a. variable.

You earn interest every day and we pay it into your Savings account each month. The rate can change and generally moves with the Official Cash Rate. When it changes, we’ll let you know.

Making the most out of it.

Your Savings account is built to grow. Not to spend.

Harder to dip into

No card and no direct payments, so your savings streak stays intact.

See where you're at

Monthly statements in-app so you can always track your progress.

Watch it build

Your growth chart shows how your money has grown and where it’s heading next.

Saving on purpose.

Simple flow. Full control. Keep your savings safe unless you really need them.

  • Open in seconds - Add a Savings account in the Emerge app. Look for Savings on your Accounts screen.
  • Move money in - Instant transfer from your everyday account. You start earning the day your money lands.
  • Earn automatically - Interest builds daily on your balance and lands monthly as a single credit.
  • Access when you need it - To spend it, just move money back to your everyday account. Savings has no card by design, so it stays out of your day-to-day spend.
Smartphone showing a savings app with $7,040.23 balance labeled Serious Saver and an Island Holiday savings goal reached.
Young woman in a green sweater sitting on a couch looking at her phone with a caption stating 'Local, secure, trusted' accompanied by a lock icon.

Safe, local, looked after.

Your money matters. We treat it that way. Your funds are safeguarded in a trust account with a licensed bank.


Eligible deposits are covered by New Zealand’s Depositor Compensation Scheme (DCS) up to the scheme limit. The app is built with bank-grade security and real-time monitoring.

Your money could be working harder

Whether this is for yourself, your business or your family - it’s time to manage your money like you’ve always wanted to.

Download the app

Scan to download the app

Frequently asked questions

What is Emerge?
How’s my money protected?
What’s the catch?
When do I get my card?
Is Emerge just for personal finances? 
Can I use Emerge if I’ve just moved to New Zealand?
What security measures do you use?
Is Emerge a bank?
What if I lose my card?
How fast can I open an account?
Will I get real-time updates on my money? 
What’s SquareOne, and how is it different?
Does it cost anything to join?
Can I earn interest with Emerge?