# Emerge: Money Made Easy — user reviews > 39 indexed App Store user reviews of Emerge by Emerge Group Limited, rated 5.00/5 from 2 ratings. - Source: https://appshunter.io/ios/app/emerge-money-made-easy/id6468939871/reviews - App overview in markdown: https://appshunter.io/ios/app/emerge-money-made-easy/id6468939871.md - Rating breakdown: 5★ 2 · 4★ 0 · 3★ 0 · 2★ 0 · 1★ 0 ## Newest reviews (15 of 39) ### 5/5 — Emerge is the best app! *2025-10-30, version 2.0* I would highly recommend this app simple UI and virtual card and physical card link to a CHQ. You can even withdraw cash! compare to Dosh and Debut ### 5/5 — Too easy! *2025-10-30, version 2.0* Simple and quick to sign up, great user experience and love the PINK physical card. ### 5/5 — Best Banking App *2025-10-24, version 2.0* I use Emerge for several of my small businesses. 100x better user experience than any of the big banks. ### 5/5 — Amazing support and awesome company *2025-10-22, version 2.0* A much better option than traditional banks. I’d choose Emerge over any mainstream bank every day of the week. ### 5/5 — Great app!! *2025-10-17, version 1.6.2* Such an easy set up ### 5/5 — No regrets *2025-10-15, version 1.6.2* Smooth and simple. Great for business! ### 5/5 — Quickest sign up to a savings account ever! I can’t believe how easy that was. I am blown away *2025-10-14, version 1.6.2* ANNIE ### 5/5 — Better than anything I’ve tried in NZ *2025-09-07, version 1.6* Thought I’d give it a try and couldn’t be more impressed. Didn’t think anything like this existed on NZ and the fact it’s built here is unreal ### 5/5 — Great news for business owners and their accountants *2025-08-06, version 1.5.4* Straightforward to use and uses cool new technologies to keep your business funds safe. A fresh and welcome new approach to business banking ### 5/5 — An overdue game changer *2025-07-23, version 1.5.3* Have recently been using emerge for my business, and couldn’t be more delighted to do so. A seamless, easy process to create an account, with fantastic features un-offered by the status banking quo that dominates the New Zealand landscape. Would highly recommend, here’s to a bright future ! ### 5/5 — Great news for business owners and their accountants *2025-03-21, version 1.4.7* Straightforward to use and uses cool new technologies to keep your business funds safe. A fresh and welcome new approach to business banking ### 5/5 — Brilliantly easy *2025-03-20, version 1.4.7* Emerge has been amazing! With my co-founder living in a different city, the joining process was easy and done with in minutes! Game-changer ### 5/5 — Better than anything internationally *2025-02-18, version 1.4.7* I have used Wise, Revolut and Monzo and this is way better. Especially with local support. The amount of thought and design that’s gone into this app and service is incredible. Wasn’t expecting this from a fintech in NZ! Outstanding ### 5/5 — Best banking app I’ve ever used *2025-01-22, version 1.4.6* Can’t get enough of the emerge team, great onboarding ease of operations and all of the things that I’ve needed!! ### 5/5 — Slick design! *2024-06-07, version 1.0.6* Great product, bringing NZ banking products into the future (where the rest of the world is!) ## Most critical reviews (10 lowest-rated) ### 1/5 — Avoid if Startup *2026-02-15, version 2.1.2* They don’t do international transfers so if you’re a startup doing work overseas then don’t use this app. And when you ask for help they just give you AI replies. I thought these guys were different from other banks, but they’re not! Would not recommend l! ### 1/5 — Wrong message if app is not updated *2025-11-19, version 2.0.3* Getting following notification while trying to login on old version however once app was updated i was able to login. Something went wrong It's on us, please try again. If it continues, contact us in-app or via the website. ### 2/5 — So Streamlined *2026-04-17, version 2.1.7* Absolutely loving Emerge and how easy it is to still have all of the authority and none of the weight of financial processing and approvals. ### 4/5 — Good up and coming money management *2026-04-09, version 2.1.6* Overall really great. Effecient app. Could still use a bit of work to get it up the level of the likes of BNZ. But like being able to switch between business and personal accounts really easily ### 4/5 — Tap to Pay please! *2025-02-27, version 1.4.7* Please Tap to Pay on devices ASAP! ### 5/5 — Fantastic customer service *2026-06-13, version 2.1.10* We have used the Emerge app across several businesses for expense management and it works really well. It is super quick and easy to issue new cards for permanent and casual crew as well as contractors. There are a lot of great settings like daily, weekly and lifetime spend limits for protection. The customer support team is outstanding and goes above and beyond to help whenever required Highly recommended for any NZ based small or medium sized business! ### 5/5 — Exceptionally Easy *2026-06-12, version 2.1.9* I had my business bank account, tax savings account and investment account all set up and feeding into Xero instantly. Two weeks later and I’m still filling out paperwork and dealing with different departments in ANZ to try to get a business account opened. And I’ve been banking with them my whole life! Emerge’s technology, service and systems are next level. I’m an accountant and will be telling all my clients about them! And just wait until you receive the physical card…. Such cool packaging. ### 5/5 — Trouble Free *2026-06-06, version 2.1.9* Very impressive, specifically for businesses. It’s impressive how they use their windcave gateway and allow businesses to receive money instantly from customer to their account. I think they work with INZ as well, so that customers can do receive a check when doing direct debit. So far the best business bank account have, will be more impressive when they start giving the ability to issue and manage invoices, etc. ### 5/5 — Strong Growth Potential *2026-05-14, version 2.1.8* I’m happy to share my opinion that Emerge is revolutionising the banking industry. Their resonant strategy and design make Emerge a real business person’s financial institution. ### 5/5 — Very pleased customer *2026-03-25, version 2.1.6* Exceptional customer service from staff. Very pleased I chose Emerge for my business banking. ## Most praised reviews (5 highest-rated) ### 5/5 — Whole team loves Emerge *2026-03-19, version 2.1.5* I use Emerge for several of my small businesses. 100x better user experience than any of the big banks. ### 5/5 — Wonderful app *2026-01-24, version 2.1.1* Best personal banking app I’ve ever used! ### 5/5 — Game changer! *2026-01-10, version 2.0.6* We spent over a month trying to open a business bank account in a company name (with ANZ). Applied online, then a 3 week delay to get an appt. Resulted in an hour phone call which was basically the bank trying to sell every product they had. We just wanted a bank account. A week later an ID form sent to us (we had already sent through company docs and the director was an existing bank customer). So frustrating. Found this new banking service and set up within hours. Loving the QR code payment process too, it's sped up payment from our customers. Leave your traditional bank, this is great! ### 5/5 — So easy to set up for business owners *2025-12-28, version 2.0.6* I was a little dubious when my husband showed me this new banking platform as I was unsure if it was actually trustworthy enough to use for my new lowtox activewear business. However after dealing with the customer service team and getting my account set up, it’s been so easy to use, I’ve been able to organize my accounts so fast and easily, without having to wait for ages like you do with the big banks. And as a kiwi founder myself I believe in giving other kiwi businesses a shot, and if a new banking brand can take on the “big guys” then I figured it’s worth a shot. Great work team, I’m super impressed so far & look forward to growing together over the years. ### 5/5 — Outstanding! *2025-11-23, version 2.0.3* This is incredible. So great to have something so much better than the traditional banks in new zealand. I hope they play the “disruptor” we need, to shake things up --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*