Why dosh?

Get more in your back pocket

Join our mission to bring the worlds best digital solutions to New Zealand, to improve the financial wellbeing of Kiwis. And now with One Wallet, earn Phone Dollars so you can get the new phone you want, faster.

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
Join dosh today

Earn Phone Dollars from One NZ

Join dosh today. Your One Wallet is waiting for you.

Earn 1% back in Phone Dollars on your eligible everyday spend
Settle on a home loan through dosh and get $1,700 Phone Dollars
Get $50 Phone Dollars when you first use your card
*T&C’s and eligibility criteria applies. Minimum home loan value of $300k and minimum 1 year fixed term applies.
Learn more

Save and earn
2.10% p.a.

Leading on-call savings rate of 2.10% p.a.* that pays you more than the main banks do today
Dosh customer funds are held on bare trusts by dosh with major registered banks in New Zealand
From 1 July 2025, customer funds held on trust with dosh are covered by the Depositor Compensation Scheme up to $100,000 if a bank fails
Learn more

Save time with easy finances

Manage your budgets with easy to open Stash accounts
Split bills, send and request money from friends
Apply for a home loan in minutes
7 day in-app chat and customer support
Keeping your
money safe
All customer money is held at a registered bank in New Zealand.
Card security and controls
Receive notifications when your One NZ dosh card makes a transaction or declines.
Enhanced security systems
Extra security for reduced risk from many scams and fraud.
Partnerships with leading providers
Dosh partners with One NZ, Westpac NZ, Visa and Avanti Finance to bring you the best solutions.

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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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).
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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 (“Westpac”) and promoted by Dosh. Lending and eligibility criteria and terms and conditions apply.

The Phone Dollars reward is provided exclusively by One NZ and  are in no way linked to Westpac New Zealand Limited, who hold no liability based on the information displayed or in relation to Phone Dollars payments.

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.

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