Banking made freak'n easy

Dosh is the app that helps you spend, save, and borrow money. Cause life is for living, not banking.*

I'm loving this app. Love starting to not live pay check to paycheck with us having stashes. I have about 20 stashes. Most have one weeks worth of stashed funds. Where has this been?
- Google Play Store review

Great way to manage bills. Helped me with getting a quick overview of what’s budgeted and managed to keep it within budget 90% of the time. Love the cashback!
- App Store review

Most valuable debit card you can get!  Me and my partner both have a card and we put all of our transactions through this card that we can in order to get points in discounts, especially with the promotions that run every month which really encourage us to use the card and get the most value out of it. The app has got to be the easiest banking app.
- App Store review


Save towards your goals & earn interest

Earn 4.80%* p.a. interest with a hassle-free Strive savings account. Set a goal and track your progress.

No account fees, minimum deposits or penalties
Funds are held securely on trust with a registered bank
Unlimited withdrawals
*Interest rate is subject to change


Fast easy personal loans. Your money, your way.

Apply for a Dosh Personal loan for up to $75,000 with a loan term of up to 7 years.  

Totally digital borrowing, without the hassle
Manage and repay  your loan in the same place you spend and save
No early repayment fees


Want to level up your money game?

Easily and safely put aside money with Stashes.

Add and edit Stashes on your terms
Transfer instantly and easily between your Dosh accounts
Organise and manage your Stashes to suit your money habits


Earn cashback when you spend with the Dosh Visa Debit Card

Earn 1% cashback on all eligible purchases made with your Dosh Visa Debit Card. Get access to exclusive cashback rewards when you spend with your card at some of your favourite brands.

Get paid instantly

Still waiting to be paid back for last night's pizza?

Send a payment request straight from your app to a mobile number via Dosh's Request to Pay and get paid back on the spot. See who owes you money and be instantly notified when they pay you back.

Dosh Visa Debit Card

Your money at your fingertips

The Dosh Visa Debit Card unlocks a whole new way for you to get the most out of every dollar. Spend from the card, split via the app. What’s more, you may be rewarded with great cashback offers when you purchase using your Dosh Visa Debit Card.

Spend with your Dosh Visa Debit Card where Visa is accepted
Lock your card instantly
Set card limits

Split payments

Flat bills to sort?

Split your flat bills instantly.

Add your Dosh Visa Debit Card to utility accounts and pay with Dosh
Tap on the transaction in your Dosh app
Split the bill between flatmates on the spot with Dosh Request to Pay
Your money is protected
The funds in your Dosh account are securely held under trust at a registered NZ bank.
Dedicated customer support
Our team of specialists are here to support you at the touch of a button in-app. No need to wait on hold in a phone queue.
World class security systems
The Dosh app has multiple security and safety measures to protect your money and privacy.
Card security
Temporarily lock and unlock, set limits and be instantly notified of any purchases.

Secure with Dosh

Fast, simple safe payments

Dosh is built using the most recent Java and Java Script technologies and is tested against all the best practices recommended by OWASP.

The platform and its operation are compliant with the GSMA Mobile Money assessment framework to ensure the security and the integrity of each account and transaction.

As featured in

Get the Dosh app

Join our network of thousands of clever Kiwis spending, saving and borrowing in Dosh. Get Dosh today.

Download the app
2 minute account set up
Start managing!