The New Zealand fintech sector has made remarkable strides over the past decade, with around 200 fintech startups operating in 2025, according to data from Dealroom, and soaring fintech revenues.
The 2024 NZ Fintech Report by the Technology Investment Network (TIN) reveals that the fintech sector generated NZD 2.6 billion (US $1.5 billion) in revenue in 2023, up from NZD 554 million (US$317 million) in 2013. This represents more than a fourfold increase over ten years, and turned fintech into the fastest-growing segment of New Zealand’s technology industry, outpacing other verticals such as software, healthtech, and agritech.
This momentum continued through 2024 and 2025, with fintech emerging as the most funded tech sector. Between early 2024 and July 2025, New Zealand fintech startups collectively raised NZD 967 million, according to research by NZ Growth Capital Partners and Dealroom, surpassing verticals including food (NZD 210 million), energy (NZD 167 million), and health (NZD 97 million). This gives fintech a share of 52.5% of all venture capital (VC) investment secured by New Zealand tech startups in 2024 and 2025 (NZD 1.8 billion).
5 Fintech Startups from New Zealand to Watch in 2026
Within this thriving ecosystem, a number of standout startups are standing out for their strong growth, innovation, and international expansion. Over the past year, these ventures have secured investments from prominent investors, entered new markets, and gained increasing global visibility, milestones which now position them for continued momentum in 2026.
Hnry
Founded in 2017, Hnry provides a pay-as-you-go all-in-one digital accounting service handling invoicing, expenses, payments, taxes, filings, and expert on-demand support. The platform manages all financial administration for contractors, freelancers, sole traders, and the self-employed, allowing them to focus on their work rather than tax and compliance.
In February 2025, Hnry launched in the UK, eyeing up the UK’s 4 million sole traders and positioning the company for an exciting year 2026. The expansion came five years after the startup launched in Australia in 2020, and after it established a Sydney office in 2021. It claims its combined Australian and New Zealand market has grown by 58% over the last two years. Hnry secured a NZD 35 million (US$20 million) Series B raise in January 2023.
Hnry has won multiple accolades, including the Innovation in Financial Services award at the 2024 INFINZ Awards and recognition as one of the leading companies in the Deloitte Fast 50, and the Fastest Growing Technology Business in Wellington and the lower North Island.
Dosh
Founded in Auckland in 2021, Dosh is a digital-first financial services company aiming to become New Zealand’s first locally owned, fully digital bank. Dosh offers mobile-first banking solutions, including instant payments via mobile number, a Visa debit card with 1% cashback, sub-accounts called Stashes, and Strive Savings accounts with a 5.10% p.a. interest rate, aiming to improve convenience, increase financial access, and promote innovation in New Zealand’s banking sector. The company has over 40,000 customers.
In 2025, Dosh introduced personal loans and is now planning to launch home loans, setting the stage for a promising 2026. It’s currently collaborating with Visa and Pismo to upgrade its infrastructure, improving flexibility, security, and speed, supporting its expanding suite of services. With these enhanced capabilities, Dosh aims to grow its customer base significantly over the next five years.
In 2024, Dosh applied to become a registered bank in New Zealand.
Emerge
Emerge is another digital challenger in New Zealand’s banking landscape. The company offers digital-first banking alternative, providing digital accounts, virtual and physical cards, expense management, and integration with platforms like Xero.
Initially designed to address business banking challenges, Emerge expanded into personal banking in October 2025, offering instant virtual Mastercard cards, real-time spend notifications, smart controls, and free account creation.
Plans for future features include interest-earning accounts, foreign exchange, multi-currency wallets, cashback rewards, shared visibility for families, and automated insights. The company says it’ll follow soon with the likes of interest-earning accounts, foreign exchange (FX) and multi-currency wallets, cashback rewards, shared visibility for families, and automated insights to make managing money easier. These developments position Emerge for continued momentum in 2026.
Emerge is a registered financial services provider, holding customer funds in a trust account with a licensed New Zealand bank. Like Dosh, Emerge aims to gain Reserve Bank approval to become a registered bank. The startup raised NZD 12 million (US$6.9 million) in a Series A in October 2024.
Marloo
Founded in 2024 in Auckland, Marloo is an artificial intelligence (AI) assistant for financial advisors operating across New Zealand, Australia, and the UK. The platform automates administrative tasks, generates draft advice documents, and creates unified client records using inputs such as calendar events, meetings, calls, and uploaded documents.
Marloo, which has been growing 45% month-on-month, raised US$2.7 million in September 2025 to expand its user base and accelerate development of new features, focusing on intuitive, AI-powered tools that help financial advisers streamline workflows and improve client outcomes. This positions Marloo for a highly innovative 2026.
Wych
Founded in 2018 and headquartered in Auckland, Wych is an accredited data recipient and AI-powered financial assistant enabling businesses and consumers to access and manage financial data under the Consumer Data Right (CDR) framework. The platform is connected to over 140 data providers, aggregating a user’s financial information into one platform to provide budgeting analysis, spending trends, spending recommendations, and partner referrals.
In September 2025, Wych closed a NZD 1.5 million (US$859,000) capital raise to accelerate delivery of open banking and open data services in Oceania, and support its work with Kiwibank, a New Zealand state-owned bank and financial services provider, to deliver open banking for New Zealanders from 2026.
Featured image: Edited by Fintech News Australia, based on image by daboost via Freepik
