Level up your business banking

Tired of outdated banking systems holding your business back? Emerge is the modern, flexible financial platform designed to scale with your growing team or used alongside your existing bank to help you go faster.

Some of the brands you know and love trust Emerge

Grow your business with Emerge

Not ready to switch your entire banking operation? No problem. You can start by using Emerge for expense management and experience the benefits firsthand. Our seamless integration with Xero makes it easy to get started, even if you're already using other accounting software.

7 min account open

Forget about lengthy paperwork and endless appointments. With Emerge, you can open a business account in just 7 minutes, right from your phone.

Instant virtual cards

Issue virtual cards for online & contactless purchases as soon as your account is open. No need to wait for physical cards to arrive.

Zero fee. Zero fuss

No monthly fees, no minimum balances, no foreign transaction fees. We keep it simple, so you can keep more of your hard-earned cash.

The finance upgrade you're looking for

Emerge is designed to empower mid-sized businesses like yours. We offer a streamlined, intuitive platform with powerful features that simplify your financial operations and help you scale with ease.

  • Seamless onboarding
    Our simple onboarding process makes it easy to transfer your existing accounts and get started quickly.
  • No hidden fees or minimum balances
    Enjoy a transparent and affordable banking experience with no monthly fees, no minimum balance requirements, and no nasty surprises.
  • Scalable solutions for your team
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    Add new team members, cards, and accounts as your business grows, without any added complexity.
Before Emerge we were sharing a few credit cards between a team of 20-30 and struggling to reconcile all the payments and the receipts. This made my job as CFO a nightmare. Emerge was solving the exact pain point we had as we were able to allocate debit cards to the required individual team members in minutes, track their expenses and keep on top of reconciliation and reporting.
Head of Finance, Body in Motion
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Take control of your team's spending

Managing expenses for a growing team can be a challenge. Emerge gives you the tools you need to stay in control and make informed decisions.

Individual cards for every employee

Issue virtual or physical cards with customisable spending limits and usage controls.

Debit cards
Real-time expense tracking

Monitor spending as it happens and receive instant notifications for every transaction.

Expense management
Automated receipt capture

Eliminate manual data entry and ensure accurate expense reporting.

Expense management
Customisable spending rules

Set clear guidelines for your team and prevent unauthorised or out-of-policy spending.

Payments

Outgrown Your Old Bank?

We understand. As your business expands, your financial needs become more complex. Your old bank may not be keeping up with the pace of your growth. Use Emerge to replace or supplement your existing bank to save hours of manual processing and hassle a week. All it takes is a few minutes.

Open an account

Empower your team with financial autonomy

Emerge empowers your employees to make purchases when and where they need to, without the hassle of reimbursements.

  • Individual spending limits
    Give your team members the flexibility they need while ensuring they stay within budget.
  • Easy expense tracking
    Empower your team to capture receipts and submit expense reports in real-time.
  • Simplified approval process
    Review and approve expenses quickly and easily within the Emerge app or web tool.