banking made freak'n easy.

Dosh is the app that puts more back in your pocket and now, with the One Wallet, earn Phone Dollars with dosh.
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*Dosh is not a registered bank. However, your funds are held at a NZ registered bank.

Use Phone Dollars towards interest-free phones, with Pay Monthly plan and min $99 deposit. Eligibility criteria and terms apply, see one.nz/one-wallet
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Freak’n great home loan rates!

Find out how

Dosh & One NZ

Get a new phone, faster

Thanks to One NZ, you can earn Phone Dollars while you use dosh. Every Phone Dollar equals one real dollar off the price of a new interest-free phone.

Sign up to dosh and get $50 Phone Dollars when you first use your One NZ dosh card
Spend with your One NZ dosh card and earn 1% back in Phone Dollars on your eligible everyday spend
Get $1,700 Phone Dollars on settlement of a home loan through dosh*
Dosh home loan reward offer has a minimum loan size of $300,000, minimum 1 year fixed term  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
Sign up to dosh today.
Your One Wallet is waiting for you.

Home loans

Freak'n great
home loan rates

Switch your existing home loan or unlock the key to your new home through dosh.

Get a new phone faster by earning $1,700 Phone Dollars on loan settlement thanks to One NZ*
Access competitive home loan rates
Apply online in minutes
Find out how
The Phone Dollar rewards are no way linked to Westpac New Zealand Limited, who hold no liability based on the information displayed or in relation to Phone Dollars payments. *T&C’s and eligibility criteria applies. Minimum home loan value of $300k and minimum 1 year fixed term applies.

Visa debit card

Earn from your
everyday spend

Spend with your One NZ dosh Visa debit card and earn 1% back in Phone Dollars on your eligible everyday spend*.

Earn One NZ Phone Dollars on eligible everyday spend
Spend anywhere Visa is accepted
Pay with Apple Pay or Google Pay
Join dosh and start earning Phone Dollars
*T&C’s and eligibility criteria applies. See reward T&C's here.
p.a.
%
2.10
Interest rate
Interest rate is subject to change

Strives

Save towards your goals & earn interest

Earn 2.10%* 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 held in a dosh account are protected by the DCS
Unlimited withdrawals
*Interest rate is subject to change
Find out how

Split payments

Split your bills
instantly

Add your One NZ dosh card to utility accounts and pay with dosh
Tap on the transaction in your dosh app to split the bill on the spot
Or use dosh Request to Pay so you're never out of pocket
Find out how
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!
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Company
contact@dosh.nz
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Office: Precinct Flex
Britomart Place
Level 10/11 Britomart
Place, Auckland CBD



Dosh is a brand of MCA Investments Limited, a registered company in New Zealand (NZBN 9429048713511), and a registered financial services provider (FSP1000801).
‍
Dosh is not a registered bank. However, your funds are held at a NZ registered bank.
‍
Dosh does not provide any financial advice or recommendations. Any information we make available to you
does not take into account your particular investment objectives, financial situation, or investment needs. None of the information we provide can be taken as investment, financial, or tax advice. If you are unsure whether or not a particular Dosh offer is right for you, you should get advice from a financial adviser.
© 2025 MCA Investments Limited.
Dosh Home Loans are approved, issued and managed by Westpac New Zealand Limited 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, minimum 1 year fixed term, 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.