--- title: "Emerge: Money Made Easy - Reviews, Revenue and Downloads in New Zealand | Apple App Store" description: "From your first pay to your first business. One app. All your money… Emerge is the fast, modern money experience made by Kiwi, for Kiwi. No branches. No paperwork. No waiting. Just clarity and contro" --- # Emerge: Money Made Easy — New Zealand > Personal + Business. One app. ![Emerge App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/13/cd/36/13cd364a-d96c-370d-4025-880ced0c7bf6/Emerge-0-0-1x_U007ephone-0-1-0-85-220.png/434x0w.png) **Developer:** [Emerge Group](https://apptail.io/developer/emerge-group-vGIc) **Category:** Finance **Rating:** 4.8/5 (114 ratings) **Price:** Free **Bundle ID:** app.emerge **Store:** Apple App Store **Country:** New Zealand **Version:** 2.2.0 (released 2026-09-30) **Original Release:** 2024-06-23 **Languages:** English **App Store Link:** [Download on Apple App Store](https://apps.apple.com/nz/app/app/id6468939871) **AppTail Page:** [https://apptail.io/app/emerge-money-made-easy-IMFp/new-zealand](https://apptail.io/app/emerge-money-made-easy-IMFp/new-zealand) ## Emerge Description From your first pay to your first business. One app. All your money… Emerge is the fast, modern money experience made by Kiwi, for Kiwi. No branches. No paperwork. No waiting. Just clarity and control the old banks can’t give you. Everyday life, your way + Open your account in minutes + Spend instantly with Apple Pay + Google Pay + Create and customise virtual cards + Track spending live, set limits, freeze cards anytime + Coming soon: shared accounts, savings goals, round-ups No hidden fees. No hold music. Just your money, your way. For your business + Open a business account fast + Unlimited cards for your team or contractors + Assign roles (Owner, Admin, Team) + Set limits by person, spend type or purpose + Snap receipts, tag expenses, sync with Xero From side hustle, to sole trader, right through to fast scaling business. Smart tools. No admin headaches. Emerge helps you stay on top of finances without the spreadsheets or delays. Why Emerge + Money that feels human. No jargon. No judgment. + Built in NZ, for the way we actually live + work. + Deposits held with an AA-rated registered NZ bank. + Covered by the New Zealand Deposit Compensation Scheme. + Bank-grade security, biometric login, full visibility. Thousands of Kiwi run life + business in one place with Emerge. Once you’re in, you won’t go back. Download Emerge. Set up in minutes. Start spending today. *Emerge isn’t a registered bank - yet. We’re a digital-first alternative building NZ’s first true challenger. ## Emerge Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/19/4c/03/194c039d-f94a-adff-4c99-1fb503c3b1c0/App_Store_Frame_1.jpg/1290x2796.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/8e/3a/d7/8e3ad786-0ab3-8bcf-2e82-36e4dad485d1/App_Store_Frame_2.jpg/1290x2796.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f2/f3/f6/f2f3f622-33d6-98a9-9dfd-0eba74288571/App_Store_Frame_3.jpg/1290x2796.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/6f/d2/5f/6fd25fc0-53db-f097-9f4e-fbb499b11bac/App_Store_Frame_4.jpg/1290x2796.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/ae/92/e0/ae92e0ff-02ef-2717-8197-f7a73fa79a20/App_Store_Frame_5.jpg/1290x2796.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ed/18/4a/ed184ae6-3d25-1f00-9f72-88727201caf2/App_Store_Frame_6.jpg/1290x2796.png) - [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/87/39/0c/87390cf3-baf8-b573-ca26-52824beafa32/App_Store_Frame_7.jpg/1290x2796.png) - [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/0e/9c/79/0e9c79b7-721f-0be0-7740-422f580ef3a3/App_Store_Frame_8.jpg/1290x2796.png) ## Emerge Rating Breakdown in New Zealand - 5 stars: 106 (93%) - 4 stars: 4 (4%) - 3 stars: 0 (0%) - 2 stars: 1 (1%) - 1 stars: 3 (3%) ## Emerge Reviews in New Zealand ### ***** "Slick design!" Great product, bringing NZ banking products into the future (where the rest of the world is!) -- NZ_Nina, 2024-06-07 ### ***** "Revolutionary" This has to be the best non bank product available for SMEs. Efficient and straightforward onboarding process. The technology has been built with customers in mind. I’ll be recommending this to everyone! -- MitchM88, 2024-05-01 ### ***** "An absolute game changer" Great to see a valid disrupter arrive in the retail financial services space. So easy and intuitive to use and no-nonsense AML that it robust and fit for purpose. So glad to have switched from the traditional Big5 banks -- JStewartCHC, 2024-04-25 ### ***** "GAMECHANGER" What NZ businesses have needed for so, so long. It’s finally here. Looking forward to seeing what they can do from here -- j.dunk, 2024-04-24 ### ***** "Fantastic to see" Fantastic to see some real competition in the banking space. I know SquareOne made a huge difference to kids and families. Emerge can deliver even more to SMEs. -- Le Lo NZ, 2024-04-15 ### ***** "Great App" We run xero and this integrates really well. I can assign cards to crew leaders as well as managers and control spending in real time. -- Shakey H, 2024-04-15 ### ***** "Finally! Just what NZ businesses needed" Amazing products! Onboarding took less than 10 mins which is a game changer! Instant issue debit cards for my entire team, spend management has never been easier! Big props to the team for finally bringing better business banking products to NZ. Watch out banks, a new player has EMERGED! -- NZbiz24, 2024-04-09 ### ***** "Lightyears ahead" This has everything the banks aren’t providing. Easy digital sign up, virtual cards for the team on demand, just a great easy to use time saving app! -- MO-NZ, 2024-04-09 ### ***** "Game changer!" I have been eagerly anticipating a solution like this. I am tired of handling transactions with traditional banks, tired of experiencing credit card fraud, and tired of dealing with bank managers. I feel much more empowered now. Additionally, my team received their virtual cards promptly, within a day. This streamlined process eliminated the need to wait for three weeks for new cards or fill out excessive paperwork. I wholeheartedly endorse Emerge to fellow small business owners! -- BecsJaneP, 2024-04-09 ### ***** "Best New Zealand financial services offering" I’ve been waiting for something like this for so long - ever since I’ve seen the magic of open banking in the UK. Finally, a financial platform that actually enables you to manage your business more efficiently whilst still keeping you safe. Receipt capture, instant card issuing and admin controls all within the app - easy. And they’re friendly to work with as well! -- Pinso502, 2024-04-06 [View all Emerge reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Emerge Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Top Free | New Zealand | Finance | #69 | ## Emerge Available In - [New Zealand](https://apptail.io/app/emerge-money-made-easy-IMFp/new-zealand) - [Australia](https://apptail.io/app/emerge-money-made-easy-IMFp/australia) - [United States](https://apptail.io/app/emerge-money-made-easy-IMFp/united-states) - [Austria](https://apptail.io/app/emerge-money-made-easy-IMFp/austria) - [Canada](https://apptail.io/app/emerge-money-made-easy-IMFp/canada) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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