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What’s New Version 2.1.12
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
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.
Capabilities
Wallet
Accessibility
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Version history 25 versions
Build 887311804v2.1.122026-07-02 21:37:25
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
Build 886800550v2.1.112026-06-22 22:09:50
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
Build 886411384v2.1.102026-06-10 21:04:28
Investing has arrived in Emerge!
You can now access First Mortgage PIE Trust directly inside the Emerge app, making it easier for both personal and business customers to invest their money.
This release also includes a few small improvements and fixes to keep everything running smoothly.
As always, your feedback helps us grow. Tap Manage > Help to share your thoughts.
Build 886049014v2.1.92026-05-26 09:46:52
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
Build 884739478v2.1.82026-05-05 21:24:04
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
Build 884040698v2.1.72026-04-14 21:53:34
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
Build 883328893v2.1.62026-03-20 03:16:54
We're always working to deliver you a better experience with Emerge — with this release we're adding IRD as a payee option when making payments.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
Build 882920637v2.1.52026-03-04 22:56:42
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
Build 882725426v2.1.42026-02-26 00:26:20
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
Build 882283555v2.1.32026-02-17 04:14:04
Pay with confidence! We now use Confirmation of Payee to check payee names against account numbers before your payment goes through. It’s an extra layer of protection designed to help prevent mistakes, reduce fraud, and give you more confidence every time you pay.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
Build 881980411v2.1.22026-02-04 01:20:16
You can now customise your Home screen balance.
Choose to show your total balance across all accounts, or select specific accounts instead.
See what matters most, right when you open the app.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
Build 881616428v2.1.12026-01-22 00:10:13
Stay in control with new personal account rules.
- Automatically split and move money across your accounts
- Get notified before your balance runs low
- Get reminders to add receipts for certain purchases
Simple. Fair. Beautifully Emerge.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
Build 881441587v2.1.02026-01-15 20:07:37
Big news! You can now sign up to Emerge as a sole trader.
Whether you’re on the tools, behind the wheel, or working from your kitchen table, Emerge helps you separate business from personal and keep things simple.
Simple. Fair. Beautifully Emerge.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
Build 880626684v2.0.62025-12-23 01:37:35
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how money should feel.
With this release you can now create person and business payees and customise your Home Screen background.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
Build 880253081v2.0.52025-12-09 03:00:50
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how money should feel.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
Build 880029470v2.0.42025-12-02 00:01:03
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how money should feel.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
Build 879766217v2.0.32025-11-18 22:59:39
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how banking should feel.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
Build 879542959v2.0.22025-11-10 03:06:18
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how banking should feel.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
Build 879315490v2.0.12025-11-03 00:56:49
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how banking should feel.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
Build 879008837v2.02025-10-21 02:19:47
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how banking should feel.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
Build 878719377v1.6.22025-10-07 22:00:05
Big news: Emerge Personal is here.
For the first time, you can use Emerge not only for your business banking but also for your everyday personal money. This release marks the beginning of our personal banking journey — alongside a few small improvements to keep everything running smoothly.
As always, your feedback helps us grow. Tap Manage > Help to share your thoughts.
Build 878110738v1.6.12025-09-21 23:59:03
Big news: Emerge Personal is here.
For the first time, you can use Emerge not only for your business banking but also for your everyday personal money. This release marks the beginning of our personal banking journey — alongside a few small improvements to keep everything running smoothly.
As always, your feedback helps us grow. Tap Manage > Help to share your thoughts.
Build 877599464v1.62025-08-31 23:49:10
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
If you have suggestions, we’d love to hear from you. Just tap Manage > Help, and we’ll be there to chat.
Build 877361953v1.5.52025-08-20 00:40:50
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
If you have suggestions, we’d love to hear from you. Just tap Manage > Help, and we’ll be there to chat.
Build 876660417v1.5.42025-07-31 22:30:01
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
If you have suggestions, we’d love to hear from you. Just tap Manage > Help, and we’ll be there to chat.
No pricing data captured yet — comparisons appear once the app has paid storefronts or in-app purchases.
Availability 1 of 1 storefronts
| Region | Language | Price | Ratings | Avg | Version |
|---|---|---|---|---|---|
| US | en-US | Free | 2 | 5.0 | 2.1.12 |
Change log 29 changes · US
✎
releaseNotes updated
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow
✎
description updated
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 paperw
✎
subtitle updated
Personal + Business. One app.
✎
name updated
Emerge: Money Made Easy
◆
Version 2.1.12 released
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
◆
Version 2.1.11 released
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
◆
Version 2.1.10 released
Investing has arrived in Emerge!
You can now access First Mortgage PIE Trust directly inside the Emerge app, making it easier for both personal and business customers to invest their money.
This release also includes a few small improveme
◆
Version 2.1.9 released
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
◆
Version 2.1.8 released
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
◆
Version 2.1.7 released
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
◆
Version 2.1.6 released
We're always working to deliver you a better experience with Emerge — with this release we're adding IRD as a payee option when making payments.
As always, your feedback helps us grow — tap Manage > Help to share your thoughts.
◆
Version 2.1.5 released
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
◆
Version 2.1.4 released
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
As always, your feedback helps us grow - tap Manage > Help to share your thoughts.
◆
Version 2.1.3 released
Pay with confidence! We now use Confirmation of Payee to check payee names against account numbers before your payment goes through. It’s an extra layer of protection designed to help prevent mistakes, reduce fraud, and give you more confid
◆
Version 2.1.2 released
You can now customise your Home screen balance.
Choose to show your total balance across all accounts, or select specific accounts instead.
See what matters most, right when you open the app.
As always, your feedback helps us grow - tap Ma
◆
Version 2.1.1 released
Stay in control with new personal account rules.
- Automatically split and move money across your accounts
- Get notified before your balance runs low
- Get reminders to add receipts for certain purchases
Simple. Fair. Beautifully Emerge.
◆
Version 2.1.0 released
Big news! You can now sign up to Emerge as a sole trader.
Whether you’re on the tools, behind the wheel, or working from your kitchen table, Emerge helps you separate business from personal and keep things simple.
Simple. Fair. Beautifully
◆
Version 2.0.6 released
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how money should feel.
With this release you can now cr
◆
Version 2.0.5 released
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how money should feel.
As always, your feedback helps u
◆
Version 2.0.4 released
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how money should feel.
As always, your feedback helps u
◆
Version 2.0.3 released
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how banking should feel.
As always, your feedback helps
◆
Version 2.0.2 released
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how banking should feel.
As always, your feedback helps
◆
Version 2.0.1 released
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how banking should feel.
As always, your feedback helps
◆
Version 2.0 released
Big news! Emerge Personal accounts are here - the same clarity, speed, and control you love for business, now built for your everyday money. Simple. Fair. Beautifully Emerge.
This is how banking should feel.
As always, your feedback helps
◆
Version 1.6.2 released
Big news: Emerge Personal is here.
For the first time, you can use Emerge not only for your business banking but also for your everyday personal money. This release marks the beginning of our personal banking journey — alongside a few smal
◆
Version 1.6.1 released
Big news: Emerge Personal is here.
For the first time, you can use Emerge not only for your business banking but also for your everyday personal money. This release marks the beginning of our personal banking journey — alongside a few smal
◆
Version 1.6 released
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
If you have suggestions, we’d love to hear from you. Just tap Manage > Help, and we’ll be there to chat.
◆
Version 1.5.5 released
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
If you have suggestions, we’d love to hear from you. Just tap Manage > Help, and we’ll be there to chat.
◆
Version 1.5.4 released
We're always working to deliver you a better experience with Emerge - this release brings just a few small improvements.
If you have suggestions, we’d love to hear from you. Just tap Manage > Help, and we’ll be there to chat.