banking made freak'n easy.

Dosh is the app that puts more money in your back 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*

Learn more about our exclusive partnership with One NZ here.

Dosh home loan reward offer has a minimum loan size of $300,000, minimum 1 year fixed term, you must keep your home loan for 24 months from settlement, 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

Get an amazing deal on your home loan.

Whether you're getting your first home, moving house or refinancing your mortgage, our home loan advisers will guide you through every step of the process.

Get a mortgage rate and structure that fits your goals and circumstances
Receive cashback on eligible home loans*, plus the added bonus of Phone Dollars from One NZ**
Find out how
*Cashback offers (if available) are made by the lender and are subject to the lender’s eligibility criteria and loan terms.
**Dosh home loan reward offer has a minimum loan size of $300,000, minimum 1 year fixed term, you must keep your home loan for 24 months from settlement, 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

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:
Level 3, 30 Daldy Street, 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). MCA Investments Limited is a licensed Financial Advice Provider (FAP) providing regulated financial advice on home loans. See our Financial Advice Disclosure.

Dosh is not a registered bank. However, your funds are held at a NZ registered bank.
© 2026 MCA Investments Limited.
Dosh home loan reward offer has a minimum loan size of $300,000, minimum 1 year fixed term, you must keep your home loan for 24 months from settlement, 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.