Personalise your Stashes with colours and emojis to bring your personality into your Dosh App and have some fun while managing your finances.
Start a rainy day stash
Avoid unexpected setbacks when it comes to your finances by setting up a rainy day stash in Dosh. This way you can stay on track with your finances and always be prepared with money in your Dosh account.
There is no cost to open a Dosh account, to open Stashes accounts, to make payments to other Dosh users, or to receive payments. There is no cost to move money from your Dosh account back to your regular bank account. It is free to order a Dosh Visa Debit Card, and there are no associated account fees. There is a Windcave convenience fee of $0.70 to instantly add money to your account via Windcave. Adding money to your account via bank transfer is completely free. Please see our T&Cs for more information.
Have you tried to pay someone via bank transfer recently? You need to set up a new payee within your online bank account, type in their 16-digit bank account number, add particulars, reference and code, and the money won’t show through to your account instantly. Unfortunately, the only way to instantly pay someone in New Zealand is with cash or bank cheque. That all changed when Dosh launched in 2021. With Dosh, payments are made instantly 24/7 from anywhere. You can pay to any mobile number in your phone contacts list – Dosh user or not, or simply generate a QR Code to share and be scanned.
No, Dosh is not a cryptocurrency. Dosh is NZ dollars transferred from your bank account and accessed from your Dosh wallet (the Dosh app on your smartphone). All monies are held securely in a trust account at a New Zealand bank. Dosh is a registered financial services provider.
No. You can pay anyone from your phone contacts list, not just Dosh users.
Open your Dosh app, select Send or Request – To a contact. Find the contact you want to pay/request from, enter the amount and hit Next. Check your payment details are correct, then tap Confirm. If your contact does not have Dosh, we send an SMS to the recipient with your referral code, and when they open a Dosh account your payment is waiting for them.
If they use your referral code at sign-up, you will receive a $5 referral bonus. Every payment or request for payment to a new Dosh user will earn you $5, as long as they use your referral code when they join Dosh.
What happens if they don’t download the app? New Dosh users have seven days from receiving the SMS to download Dosh and receive your payment. A reminder SMS is sent on Day six; and on Day seven if they still haven’t downloaded the app, your payment will be reversed to your Dosh account.
Manage your money with Stashes. Instantly pay and get paid, 24/7. Spend and split with the Dosh Visa Debit Card.
Your Dosh account connects to your mobile number so you can transact freely anytime, anywhere with friends, family and businesses. Join thousands of Kiwis on Dosh.