Why dosh?

Get more money 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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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.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