# Dosh — Banking made freak’n easy > Spend, save, and borrow money with rewards and savings goals. (iPhone/iPad app by MCA Investments Limited.) - Source: https://appshunter.io/ios/app/dosh/id1551072628 (this page in markdown: same URL + `.md`) - Developer: [MCA Investments Limited](https://appshunter.io/developer/1551072630) - Category: Finance - Price: Free - Rating: 3.70/5 from 3 App Store ratings · 74 written reviews indexed - Age rating: 12+ - Requires: iOS 15.0 · 116 MB - Languages: American English - Released: 2022-04-28 - Data updated: 2026-08-21 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/dosh/id1551072628/reviews.md ## What is Dosh? Banking made freak’n easy* Dosh is the Kiwi app that helps you spend, save, and borrow money. Cause life is for living, not banking. *Dosh is not a registered bank. However, your funds are held at a NZ registered bank. EARN PHONE DOLLARS AND GET THE NEW PHONE YOU WANT, FASTER Spend with the One NZ dosh card and earn Phone Dollars on your everyday spend. Take out a home loan with dosh and get a Phone Dollars bonus towards your next phone upgrade. HOME LOANS THAT GIVE BACK Unlock freak’ n great interest rates on a home loan with dosh —powered by Westpac NZ. Whether you're switching your existing home loan or stepping into your new home, dosh makes the process easy and 100% digital. Plus, earn $1,700 Phone Dollars upon settlement so you can get the new phone you want, faster. Your access to hassle-free borrowing starts here. Apply for a home loan with dosh today. SPEND AND EARN PHONE DOLLARS Spend with the One NZ dosh card and earn 1% back Phone Dollars on your eligible everyday spend. Helping you get to your next interest-free phone faster. Pay with Apple Pay, Tap & Go in store or, shop online at any Visa enabled retailer. You’re in control. Set limits or lock your card any time. Plus get notified every time your One NZ dosh card is used. STRIVE TOWARDS YOUR SAVINGS GOALS Earn an epic interest rate on your savings while you grow your balance. Enjoy unlimited withdrawals with no fees or complicated rules. Set your savings goals and track your progress. Funds are held on trust with an AA- registered bank in New Zealand. Fine print You must be 13+ to use Dosh. See our T&Cs in the Privacy Policy. Visit Dosh.nz Dosh is a brand of MCA Investments Limited, a registered company in New Zealand (NZBN 9429048713511), and a registered financial services provider (FSP1000801). See terms and conditions at https://www.dosh.nz/terms-conditions. Dosh Home Loans are approved, issued and managed by Westpac New Zealand Limited (“Westpac”) and promoted by Dosh. Lending and eligibility criteria and terms and conditions apply. Dosh home loan reward offer has a minimum loan size of $300,000 and eligibility criteria and T&Cs apply. The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet ## Key features - 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 ## What do users think of Dosh? Overall sentiment: mixed **Pros** - 👍 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 **Cons** - 😞 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 **Commonly reported bugs** - App won't run on two devices - App turned black, causing eye strain - Login screen freezes - Incompatible with older devices - Customer service support is lacking - Can't get verified without NZ passport or driver's license - Requires driver's license for app use **Most requested features** - Support for Apple Pay - Ability to reorder accounts - Monthly statements to download or email - Balance shown after each transaction - Username and password login option - Authenticator app option for login - Website login option - Budgeting tools - Spending graphs - Bank card option for topping up - Paid plan for higher cashback limit - Faster bank transfers - Option to use for Afterpay payments - Personalize main account (name and color) - Pre-save bank accounts for easier deposit - Option to use overseas with clear fees - More inclusive verification options for immigrants - Fix voiceover issues ## Recent user reviews (10 of 74) All indexed reviews: https://appshunter.io/ios/app/dosh/id1551072628/reviews.md ### 1/5 — Slow Customer Support *2026-05-11, version 1.5.4* Gave up after waiting 19 days for an email with an account number for my wages to be paid into and closed my account. ### 5/5 — 👍👍👍 *2026-05-05, version 1.5.4* Best financial experience I have had. Their home loan team run a very smooth process ### 5/5 — An NZ card that is a must have *2026-05-04, version 1.5.4* 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 😊 ### 1/5 — i cant open my dosh as the one nz is blocking it its so annoying *2026-02-09, version 1.5.4* annoying one nz advertisement ### 5/5 — Love the rewards *2026-02-05, version 1.5.4* Great card rewards. Also love the ease of opening savings account. 👍 ### 1/5 — What happened? *2026-02-04, version 1.5.3* Dosh use to be so good, what happened? Capping cash back, replacing cash back with phone dollars, partnership with one Nz, it’s very difficult to watch dosh going down hill. I miss dosh at its peak! Dosh it might be a good idea to up your game! You are ruining a good product, You are loosing customers!! ### 3/5 — Competitive Edge Gone *2026-02-03, version 1.5.3* It’s a pity there’s no one NZ phone plan that compares to my current 15GB @ $13.75 per month. It would mean the saving made using Phone Dollars would be offset by having to switch to a one NZ Pay Monthly plan (e.g. 6GB @ $50) over the interest-free payment term. ### 1/5 — One nz killed it *2026-02-02, version 1.5.3* Have just pulled all my money out of Dosh - the partnership with one nz has ruined the app. We don’t want to earn one nz dollars, we want cashback. Utterly useless to me now and will be deleting the app ### 1/5 — annoying *2025-10-20, version 1.5.2* dosh is so stupid, takes very long to transfer between banks it says will take 2hrs unless out of the time frame which is 9am-10pm i believe but i transferred in those hrs and its been over 4 hrs and nothing showing in my bank says in process. So much for fast banking , now it’ll probably come in the next day smh ### 5/5 — Good service *2025-10-17, version 1.5.2* Great to deal with if there is a problem ## Frequently asked questions about Dosh ### 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. ## Version history (last 5 releases) ### 1.5.6 — 2026-08-17 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 ### 1.5.5 — 2026-06-10 Our latest app release includes a couple of bug fixes and a number of security enhancements. When you next open your dosh app you’ll notice the following: An improvement for activating the One NZ Dosh Visa Debit Card Entering special characters in the reference field when making a bank 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. ### 1.5.4 — 2026-02-04 Our latest app release includes the launch of our partnership with One NZ. When you next open your dosh app you’ll notice the following: You can now access your One Wallet in your dosh app A brand-new card design for the One NZ dosh Visa debit card 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. ### 1.5.3 — 2026-01-27 Our latest app release includes the launch of our partnership with One NZ. When you next open your dosh app you’ll notice the following: You can now access your One Wallet in your dosh app A brand-new card design for the One NZ dosh Visa debit card 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. ### 1.5.2 — 2025-10-15 Our latest app release includes enhancements to further improve your experience when using your dosh app. When you next open your dosh app you’ll notice the following: An improved the experience for users when using the in-app chat function. An improved experience for when a dosh Visa debit card expires. 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. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-21.*