Small business banking, simplified

Run your business, not your bank account. Emerge gives you the tools you need to manage your money without the hassle, so you can focus on what truly matters - growing your business.

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Say goodbye to hidden fees and outdated banking

Tired of paying unexpected fees and dealing with confusing bank statements? We get it. Emerge is different. We believe banking should be transparent and affordable for everyone, especially small businesses like yours.

No monthly fees

Enjoy free banking with no hidden charges or minimum balance.

A team that cares

A team of superstars to support your business and growth.

Simple, intuitive app

Manage your finances on the go with our easy-to-use mobile app.

Banking shouldn’t be a hassle

Emerge is different. We believe banking should be simple, transparent, and affordable for everyone, especially small businesses.

7 minute onboarding
Forget about the tedious paperwork and long wait times. Open your Emerge account online in minutes.
No hidden fees or minimum balances
Transparent banking with no monthly fees, no minimum balance requirements, and no nasty surprises.
Instant virtual cards
Issue virtual cards for contactless & online purchases as soon as your account is open.

"Having just launched Fremont Studio, I needed a bank account that I could get up and running ASAP. Emerge was the best choice because I could set up an account in minutes. It’s been an absolute dream so far and I haven’t looked back."

Elena Parry

Fremont Studio

Find out more

Simplified expense tracking & management

Receipt capture in-app 
Snap photos of your receipts within the app, eliminating the need for manual data entry and paper clutter.
Spending insights  
Gain a clear view of your spending patterns with detailed transaction reports and customisable analytics.
Xero integration
Connect with a click for automatic transaction syncing and simplified reconciliation.

Banking that grows with your business

As your business evolves, so do your needs. Emerge is designed to scale with you, offering features and flexibility that can adapt to your changing requirements.

Unlimited accounts and cards 
‍Create as many accounts and cards as you need, at no extra cost.
Customisable permissions  
Control who can access and manage your accounts, ensuring your finances are secure.
Dedicated support
Our Kiwi-based team is always here to help you with any questions or concerns.

Built for small businesses, by small businesses

Emerge understands the unique needs and challenges of small business owners because we are owners ourselves.

Flexible access levels
Give your team members access to specific cards or accounts, with customisable spending limits and controls.
Partner discounts & exclusives
Access exclusive deals and discounts from our partners to help you save money and grow your business.