Launching soon. Early members get 3 months Pro free
Stop losing money
between paydays
PayDay splits your pay across your accounts the moment it lands. Bills, savings and spending, sorted before you can touch it.
Built on NZ's regulated open banking. Read-only access. Cancel anytime.
Works with all major NZ banks
You get paid.
You mean to save.
The money disappears anyway.
I'll do it tomorrow
The transfer gets pushed to the weekend, then next week, then never. Good intentions lose to busy weeks every single time.
"My pay changes every week"
$900 one week, $1,400 the next. Fixed auto-transfers break the moment your income moves, so nothing gets saved at all.
"My money is spread across four banks"
Rent in one, bills in another, savings somewhere else. Keeping them all straight is a job nobody has time for.
Nothing left at month's end
Good income, nothing to show for it. The money leaks away $12 at a time until payday arrives and the account is empty.
Saving every payday is the habit that falls over first.
PayDay makes it a default instead of a discipline.
Set your split rules once, and every payday after that sorts itself.
Your pay, sorted before you wake up
Connect your banks, tell PayDay how to divide your pay, and the moment it lands the transfers run. Exactly how you set them, every single payday.
Never forget to save again
PayDay spots your pay the second it lands and moves money before you can spend it. Money you can't touch is money that stays saved.
Every bank, one screen
ANZ, ASB, BNZ, Westpac, Kiwibank and more. Every balance, side by side, without opening five banking apps.
Drag and drop your money
Need to move $200? Drag it from one account to another and it's done. The fastest way to top up, rebalance, or rescue a tight week.
Everyday
$2,340
Holiday Fund
$820
Works when your pay changes
Percentage splits adapt to what actually lands, whether it is $800 or $1,800 this week.
Same percentages, different income, proportional splits
Your bank details stay yours
We can see your pay come in but we can never touch your money. Read-only access, always.
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Encrypted end to end
TLS 1.3 in transit, AES-256 at rest
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Read-only access
We can view, never withdraw
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Government-accredited connections
Via Akahu, an accredited requestor on MBIE's official register
Five minutes to set up. Then forget about it.
You will spend more time deciding what to have for lunch.
Start splitting your pay- 1
Link your bank
Connect through Akahu in under a minute. You log in at your own bank, never on PayDay, and we get read-only access to spot your pay. That's it.
- 2
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.
- 3
Get paid. That's it.
Next payday, your money moves itself and you get a notification when it is done. No transfers to remember, no willpower required.
Is this actually safe?
Open banking is now New Zealand law. PayDay connects through Akahu, a government-accredited provider, and we never see, store, or touch your banking login.
Your login stays private
You connect through each bank's own official login screen, never ours. Akahu never sees your password. Neither do we.
Read-only by design
PayDay has permission to detect when your pay arrives. We cannot move money without a rule you have explicitly created.
You authorise every rule
Each split rule is a separate permission you control. Pause, edit or delete any of them and splits stop immediately.
Revoke anytime
PayDay's access lives in your Akahu dashboard. One click disconnects us completely.
Regulated open banking · Accredited via Akahu · Read-only access · NZ-owned and built
Learn more about security · Verify Akahu on MBIE's Register of Participants
Every screen, built for clarity
A quick look at the app you will use every payday.
Home
Balance, splits and next payday at a glance
Accounts
All your NZ banks, one view
Automation
Set your splits once, forget about them
Profile
Settings, security and preferences
Drag or swipe to explore
Every group chat, every payday
Different incomes. Same problem.
Payday 4:58 PM
Dan · owns a business
Sarah · saving from her salary
Jess · commission income
Next payday 7:02 AM
PayDay
Delivered
Your next payday could sort itself out
Join the waitlist and be first in line when we launch. Early members get 3 months of Pro free.
No card required. Cancel anytime. Read-only bank access.