There is no cost to open a dosh account, to make payments to other dosh users, or to receive payments. There are no fees to transfer money from your dosh mobile wallet to a nominated bank account. 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.

Dosh is the 100% digital way to manage your money. Anything you need can be done from your dosh app, there's no need to go into a physical branch and wait in lines. Simply spend, save, and borrow all from your mobile device.

No, dosh is not cryptocurrency. dosh is NZ dollars transferred from your bank account and accessed from your dosh account (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 Pay & Request – Pay To My Contacts. Find the contact you want to pay/request to pay 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 (request to pay) to a new dosh user will earn you $5, as long as they use your referral code. 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.