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. Moves money only by rules you set. 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 in New Zealand, 2026
It's not just you.
Most of New Zealand is trying to save and losing to the cost of living. Willpower was never the problem.
Source: Kiwibank State of Savings Index 2026, Talbot Mills Research, 1,534 New Zealanders surveyed 15 to 21 June 2026.
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
Know the moment it's done
A message when your pay lands, and another when every split has run. No checking, no wondering.
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Pay detected
7:02 AM
$3,450 from Spark NZ Trading
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Splits complete
7:03 AM
$862 saved, $1,380 to bills
Five minutes to set up. Then forget about it.
You will spend more time deciding what to have for lunch.
Start splitting your pay- 01
Link your bank
Log in at your bank through Akahu. Takes about a minute.
- 02
Set your split
"25% to savings, $400 to bills, the rest stays." Done once.
- 03
Get paid
Your money moves itself. You get a notification when it is done.
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. PayDay can see your transactions and make the transfers you set up in a split rule. Nothing else, ever.
Your login stays private
You connect through each bank's own official login screen, never ours. Akahu never sees your password. Neither do we.
Two permissions, nothing more
See your transactions, and make the transfers you set up in a split rule. PayDay cannot send money anywhere you have not told it to.
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 · Transfers only by your rules · NZ-owned and built
Learn more about security · Verify Akahu on MBIE's Register of Participants
Built for how you get paid
Different incomes. Same fix.
Salary, shifts or invoices. Whatever lands, PayDay splits it the way you told it to.
Salaried and saving
Same pay every fortnight and still nothing put aside by the end of it.
Your savings leave the moment pay lands, before you can spend them.
Shifts and casual work
$900 one week, $1,400 the next. Fixed transfers break every time it changes.
Percentage splits scale with whatever actually arrives.
Contractors and self-employed
Invoices land in lumps, and tax, GST and your own wage all come out of one pot.
Set aside tax and pay yourself the day the money comes in.
Before you sign up
Questions people ask first
The short answers. The long ones are on the FAQ page.
Read the full FAQIs PayDay secure?
Yes. PayDay connects to your bank through Akahu, an accredited requestor on MBIE's official Register of Participants under the Customer and Product Data Act 2025, New Zealand's open banking law. You log in at your own bank, never on PayDay, so we never see or store your banking credentials. All data is encrypted with TLS 1.3 in transit and AES-256 at rest. PayDay can see your transactions and make only the transfers you set up in a split rule. It cannot move money anywhere else, and you can revoke access at any time.
Is open banking legal and regulated in New Zealand?
Yes. The Customer and Product Data Act 2025 made open banking law in New Zealand. Since 1 December 2025, ANZ, ASB, BNZ, and Westpac have been required to provide secure open banking APIs to accredited providers, with Kiwibank joining during 2026. The regime is administered by MBIE and enforced by the Commerce Commission, and only accredited organisations can access bank data. You can revoke access at any time.
Which banks do you support?
PayDay works with all major New Zealand banks including ANZ, ASB, BNZ, Westpac, Kiwibank, TSB, Rabobank, and The Co-operative Bank. We are constantly adding support for more financial institutions.
How does automatic pay detection work?
PayDay monitors your connected account for incoming deposits that match your pay pattern (amount, frequency, and source). When we detect your pay has landed, we automatically trigger your pre-configured split rules. You will receive a notification confirming the splits have been completed.
Can I change my split rules anytime?
Yes! You have full control over your split rules. You can add, edit, pause, or delete rules at any time through the app. Changes take effect immediately and will apply to your next payday.
What happens if my pay amount varies?
PayDay handles variable income perfectly. When you set percentage-based splits, the amounts adjust automatically based on your actual pay. For fixed amount splits, you can set a priority order so the most important transfers happen first. You can also set minimum thresholds to skip splits on unusually low pay periods.
Can I cancel anytime?
Absolutely. There are no long-term contracts or cancellation fees. You can downgrade to our free plan or cancel your subscription at any time. If you cancel, you will retain access to Pro features until the end of your current billing period.
Your next payday could sort itself out
PayDay is in private testing with a small group of Kiwis. Here is what happens when you join.
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Step 1
Join the waitlist
Your email, nothing else. Takes ten seconds.
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Step 2
We send your invite
As soon as a spot opens up, you get an email with your download link.
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Step 3
Three months of Pro free
Early members start on Pro at no cost. No card needed.
No card required. Cancel anytime. Moves money only by rules you set.