Stop losing money
between paydays
You get paid. You mean to save. But the money sits in one account and slowly disappears. PayDay splits your pay the moment it lands, so bills, savings and spending are sorted before you can touch it.
Works with all major NZ banks
Sound familiar?
"I'll transfer to savings tomorrow"
Tomorrow becomes next week. Next week becomes never. The money quietly disappears on coffee and Uber Eats.
"My hours change every week"
Fixed automatic transfers don't work when you earn $900 one week and $1,400 the next. So you just don't bother.
"I have 4 accounts but one always gets forgotten"
Rent, savings, bills, spending - manually splitting across all of them every payday is a chore that gets old fast.
"I'm good at earning, bad at managing"
You work hard for the money. But at the end of the month there's nothing to show for it because nothing was put aside.
PayDay fixes all of this. Automatically.
Your pay, sorted
before you wake up
Rent covered. Savings growing. Spending money in the right account. All of it happens automatically the moment you get paid.
Never forget to save again
PayDay spots your pay the second it lands and moves money before you can spend it.
Works even when your pay changes
Percentage-based splits mean the right amount goes to the right place, whether you earn $800 or $1,800 this week.
Same percentages, different income = proportional splits
All your accounts, one view
Stop juggling bank apps. See every account across ANZ, ASB, BNZ, Westpac and more in one place.
Your bank details stay yours
We can see your pay come in but we can never touch your money. Read-only access, always.
Built for how Kiwis actually get paid
Weekly wages, fortnightly salary, irregular contract work. PayDay handles it all so you don't have to think about money on payday ever again.
Automatic Pay Detection
No more "I'll transfer it later." PayDay watches for your pay and splits it the moment it arrives. You wake up and it's already done.
Flexible Split Rules
30% to savings, $200 to the bills account, the rest for spending. Set it once and every payday just works.
Bank-Level Security
We connect through Akahu, NZ's trusted open banking provider. We can see your pay arrive but we can never access or move your money.
Smart Notifications
"Pay received. $690 to savings. $400 to bills. Done." Get a quick summary every payday so you know everything's sorted.
Multi-Bank Support
Savings at ASB, everyday at ANZ, bills at BNZ? No problem. PayDay works across all major NZ banks so your accounts don't have to be at the same bank.
Spending Insights
Finally see where your money actually goes. Track your splits over time and watch your savings grow without the guesswork.
5 minutes to set up. Then forget about it.
Seriously. You'll spend more time deciding what to have for lunch.
Link your bank
Connect through Akahu in under a minute. We get read-only access to spot your pay. That's it.
Tell it where your money goes
"25% to savings, $400 to bills, the rest stays." Create rules that match how you actually want to spend.
Get paid. That's it.
Next payday, your money moves itself. You get a notification when it's done. No transfers to remember, no willpower required.
Your money, your control. Always.
We're a fintech app that moves money. We take that seriously.
Bank-level encryption
256-bit TLS encryption on every connection. The same standard your bank uses.
We never see your password
We connect through Akahu, NZ's trusted open banking provider. Your bank credentials never touch our servers.
You set every rule
Money only moves when you've explicitly created a split rule. Pause or delete any rule instantly.
"Where has this been my whole life?"
That's the most common thing we hear from people who try PayDay.
"I kept telling myself I'd save 20% of every pay, but with my hours changing week to week, I never knew what that actually was. I'd forget to transfer, or just... not do it. Now it happens automatically before I even wake up. I've saved $4,200 in 5 months without thinking about it."
Sarah M.
Retail Manager · Auckland
"I'd always plan to transfer money to savings on payday, but by the time I remembered, I'd already spent half of it. Now it's moved before I even see it in my account. Out of sight, out of mind, but in a good way."
James T.
Barista · Wellington
"I'm a nurse so my pay changes every fortnight depending on shifts. I tried setting up automatic transfers but $500 doesn't make sense when I earn $900 one week and $1,400 the next. Percentage-based splits finally work for my life. 25% goes to savings no matter what I earn."
Lisa R.
Registered Nurse · Christchurch
Try it free. Upgrade when it clicks.
Most people upgrade after their second payday. Once you see the money just appearing in the right accounts, you won't want to go back to doing it manually.
Free
See why people never go back to manual transfers
- 1 income source
- Up to 3 allocation rules
- Manual splitting (tap to run)
- Payy AI (10 messages/month)
No credit card required
Pro
Set it up once, never think about it again
- Automatic pay detection & splitting
- Unlimited income sources & rules
- Unlimited Payy AI messages
- Advanced allocations (% + fixed + remainder)
- Full history + CSV export
- Priority support
Cancel anytime. No lock-in contracts.
Every plan includes bank-level encryption, Akahu-powered security, and 24/7 monitoring. Compare plans in detail
You're probably wondering...
Fair questions. Here are straight answers.
Is PayDay secure?
Which banks do you support?
How does automatic pay detection work?
Can I change my split rules anytime?
What happens if my pay amount varies?
Can I cancel anytime?
Still have questions?
View all FAQs