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Dosh

Dosh

Banking made freak’n easy

3 ratings
74 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • April 28, 2022
  • August 17, 2026

Features

Developer

MCA Investments Limited
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About

Manage your money with this app that simplifies spending, saving, and borrowing. Earn rewards on everyday purchases and home loans to get closer to your next phone upgrade. Set savings goals and earn competitive interest rates.

✓Earn Phone Dollars on spending
✓Home loans with Phone Dollar bonus
✓Digital home loan application
✓Earn interest on savings
✓Set and track savings goals
✓Card spending notifications
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What users say

Summarized from real user reviews of Dosh. Based on 3 reviews and a 3.7/5 average, it highlights the 12 positives and 14 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Easy to use app
  • 💰Great cashback rewards
  • 🏠Excellent home loan service
  • 🚀Fast and efficient processes
  • 💡Innovative features like Strive and Stashes
  • 😊Rewarding financial experience
  • 🌟Good customer support
  • 💳Free debit card
  • ✅Seamless account opening
  • 💰Great savings account interest rates
  • 💯Highly recommended by users
  • 🤝Transparent and helpful agents

Negative things

  • 😞Cashback capped
  • 😠Partnership with One NZ disliked
  • ⏳Slow bank transfers
  • 💳Cannot reorder or get new cards easily
  • 📱One NZ blocking app
  • 🚫No Apple Pay support
  • 📉Dosh going downhill
  • 📉Loss of competitive edge
  • 💸Windcave fee introduced
  • ❌Limited verification options for immigrants
  • 👎Not a debit card, just prepaid
  • 🗣️Voiceover issues
  • 🚫Limited top-up options
  • 📉Referral bonuses stopped
See all reviews

What's New in Dosh

1.5.6

August 17, 2026

Our latest app release includes a couple of enhancements. When you next open your dosh app you’ll notice the following: A smoother experience when accessing dosh via a VPN connection Making it easier to edit the amount of a split bill payment Your feedback We’re always working to enhance your dosh experience. If there’s something you’d like to see added just send us a message via in-app support. Click on the ‘?’ icon top right on home screen, or the messenger icon on the dosh website. If you have a minute, please leave us a review. We’d love to hear how dosh is working for you

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User reviews

Most RecentHighest RatedLowest Rated

Slow Customer Support

Gave up after waiting 19 days for an email with an account number for my wages to be paid into and closed my account.
waitaha42nzwaitaha42nz

👍👍👍

Best financial experience I have had. Their home loan team run a very smooth process
Peter Pan 373Peter Pan 373

An NZ card that is a must have

Honestly Dosh is a breath of fresh air in the banking industry. You’re actually rewarded with cash to spend not slow the accumulation of pointless points;) And getting your mortgage sorted by Dosh A+++ seamless and efficient, you’re treated like a person not another faceless minion like the bankers treat you- keep up the good work 😊
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MCGNZDMCGNZD

i cant open my dosh as the one nz is blocking it its so annoying

annoying one nz advertisement
mizzwahhmizzwahh

Love the rewards

Great card rewards. Also love the ease of opening savings account. 👍
ArahanuiArahanui
See 69 more reviews

User experience

🐞

Reported Bugs

7 issues

App won't run on two devices

Bug

App turned black, causing eye strain

Bug

Login screen freezes

Bug

Incompatible with older devices

Bug

Customer service support is lacking

Bug

Can't get verified without NZ passport or driver's license

Bug

Requires driver's license for app use

Bug
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Requested Features

18 requests

Support for Apple Pay

Feature

Ability to reorder accounts

Feature

Monthly statements to download or email

Feature

Balance shown after each transaction

Feature

Username and password login option

Feature

Authenticator app option for login

Feature

Website login option

Feature

Budgeting tools

Feature

Spending graphs

Feature

Bank card option for topping up

Feature

Paid plan for higher cashback limit

Feature

Faster bank transfers

Feature

Option to use for Afterpay payments

Feature

Personalize main account (name and color)

Feature

Pre-save bank accounts for easier deposit

Feature

Option to use overseas with clear fees

Feature

More inclusive verification options for immigrants

Feature

Fix voiceover issues

Feature

FAQ

What does the Dosh app do?

The Dosh app helps you spend, save, and borrow money. It allows you to earn 'Phone Dollars' on everyday spending and home loan applications, and provides a savings account with competitive interest rates.

How can I earn Phone Dollars with Dosh?

You can earn Phone Dollars by spending with the One NZ Dosh card on eligible everyday purchases, or by taking out a home loan through Dosh. These Phone Dollars can be used towards your next phone upgrade.

Is Dosh a registered bank?

No, Dosh is not a registered bank. However, your funds are held at a New Zealand registered bank. Dosh is a brand of MCA Investments Limited, a registered company in New Zealand.

What are the eligibility requirements for Dosh?

You must be 13 years or older to use Dosh. Specific eligibility criteria and terms and conditions apply for home loans and the Phone Dollars reward offer.

How does the savings feature work?

The app offers a savings account where you can earn an interest rate on your balance. You can set savings goals, track your progress, and enjoy unlimited withdrawals with no fees or complicated rules.