1. Home
  2. 💰 Finance
  3. Dosh
Dosh

Dosh

Banking made freak’n easy

3 ratings
74 reviews
💰 Finance
Free

Details

Released
April 28, 2022
Updated
October 29, 2026

Features

Developer

MCA Investments Limited
✨Promote your app ✨
Dosh video #1 for iPhone
Dosh screenshot #2 for iPhone
Dosh screenshot #3 for iPhone
Dosh screenshot #4 for iPhone
Dosh screenshot #5 for iPhone
Dosh screenshot #6 for iPhone
Dosh screenshot #7 for iPhone
Dosh screenshot #8 for iPhone
iphone
ipad
📌Ready
Reviews summary↘︎
⭐74
Reviews↘︎
📝3+ tags
Tags↘︎
🔄6+ apps
Alternatives↘︎
❓8 answered
FAQ↘︎
📦~ in 1 month
Updates frequency↘︎
🖼️Get Icon
Icons↘︎

About

This app helps you manage your money by allowing you to spend, save, and borrow. Earn rewards on everyday purchases and home loans to get closer to your next phone upgrade. It offers competitive interest rates on savings and a digital-first approach to borrowing.

✓Earn Phone Dollars on spending
✓Home loans with bonus rewards
✓Competitive savings interest rates
✓Digital loan application process
✓Track savings goals
✓Card spending notifications
Show original description

What users say about Dosh

Reviews of Dosh are mixed: the Finance app is rated 3.7/5 from 3 App Store ratings. What users like most: easy to use app, great cashback rewards. Top complaints: cashback capped, partnership with One NZ disliked. Summarized from real user reviews.

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

1.5.8

October 29, 2026

Our latest app release includes updates to how you access help and support in the dosh app. When you next open your dosh app you’ll notice the following: Help content is now available on the Dosh website, with links in the app updated to take you to the relevant information. When you contact us from the app, you’ll now be directed to our Dosh contact form. Your feedback We’re always working to enhance your dosh experience. If you need a hand, you can contact us through the support options available in the app or 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.

More

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.
Wwaitaha42nz

👍👍👍

Best financial experience I have had. Their home loan team run a very smooth process
P3Peter 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 😊
Show more
MMCGNZD

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

annoying one nz advertisement
Mmizzwahh

Love the rewards

Great card rewards. Also love the ease of opening savings account. 👍
AArahanui
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
✨

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 is Dosh?

Dosh is a New Zealand finance app that helps users spend, save, and borrow money. While not a registered bank itself, your funds are held at an NZ registered bank. It offers features like earning 'Phone Dollars' on spending and home loans.

How does Dosh help me earn rewards?

You can earn 'Phone Dollars' by spending with the One NZ dosh card, receiving 1% back on eligible everyday purchases. Additionally, taking out a home loan with dosh can provide a bonus towards your next phone upgrade.

Can I get a home loan through Dosh?

Yes, Dosh offers home loans powered by Westpac NZ. The process is designed to be 100% digital, and you may earn a significant 'Phone Dollars' bonus upon settlement for your next phone.

What are the savings features of Dosh?

Dosh provides an interest-bearing savings account with competitive rates, allowing you to grow your balance. You can set savings goals, track your progress, and enjoy unlimited withdrawals without fees.

Is Dosh safe to use?

Dosh states that your funds are held at an NZ registered bank. The app is a brand of MCA Investments Limited, a registered company in New Zealand and a registered financial services provider. Users must be 13+ to use Dosh.

What devices does Dosh support?

Dosh is available on iPhone, iPad, and iPod. It was last updated on October 29, 2026, with version 1.5.8.

What is the user sentiment for Dosh?

User reviews for Dosh are mixed, with an average rating of 3.7 stars from 3 ratings. Pros include ease of use and cashback rewards, while cons mention cashback caps and issues with the One NZ partnership.

Does Dosh have advertisements?

No, Dosh does not have advertisements. The app is free to download and use.