Next-gen banking, shaped by you.

We’re building the bank of the future with you. Streamline your savings, track your spending and budget like a pro. This is only the beginning.
Debut is an online bank you access from your phone.

Experience New Zealand’s smartest bank in the making.

Debut is building a first-of-its-kind
New Zealand bank shaped by you.
Debut is teaming up with Kiwis like you to rethink what a modern bank could look like in Aotearoa. Together, we are reimagining traditional banking, ditching the fees, and building services that help Kiwis grow their savings and fight inflation. 💪

Try Debut for free. Sign-up in a snap.

Clever categories, brilliant budgeting and smart summaries

Your spending, sorted.

Debut intelligently sorts your expenses into categories for easy review.
Have you ever wondered how much you spent on Eating out? Gifts? A DIY project? Debut uses machine learning to anonymously identify and categorise expenses, so you get a clear picture of your overall spending.
Expenses are automatically categorised for you using machine learning.

Budget like a boss.👌

Prevent overspending before it happens and teach your cash flow some new moves.
It can be hard to stick to a budget. Debut motivates you to stay on track with timely reminders before you’ve gone over.
Easily set up and track budgets

Your personal spending summary is ready.🎢

Stay money-mindful and always know exactly where your money is going.
Get clear and insightful Spending Summaries, understand your personal finances like a pro, and identify trends so that you can be more intentional with how you spend.
See a summaries of your spending habits month-to-month.
Add Debut to Apple Wallet or Google Wallet. Pay easily and securely with just a tap.
No wallet? No problem.
Debut lets you pay securely from your phone or smartwatch.
Sign up for Debut and activate mobile payments in just a few minutes. Payments are easy and secured with your device biometrics or password. Look for the Contactless Payment symbol. Order a Debut Ora Card from the app for free to use Debut with legacy POS systems.
Supercharge your
savings goals.
Save effortlessly for the things
you really want.
Whether you’re saving for a rainy day or a sunny getaway, Debut can help you reach your goal. Round up expenses and automatically stash the change in your savings.
A smiling turtle wearing a jetpack and sunglasses.
We're here to help. Let's talk.
Get help day or night.
No hold music. No queues. 365 Days.
Got a question? Need to contact support? Chat with a real person from our NZ-based support team securely from inside the Debut app 7-days a week from 7 am to 11 pm.
A happy piggy bank with dancing coins and colourful shapes.

We’re on a mission to put
1 billion dollars back in the pockets of New Zealanders!

We want to see more Kiwi dollars staying in New Zealand, helping Kiwis thrive.
Banks in New Zealand are earning at an all-time high, but most of the profits end up going overseas. Even less goes back into helping customers grow their money. We want to change that with Debut by creating a New Zealand bank that benefits all Kiwis.
Banking that’s better for all of us.
Better banking prioritises a positive customer impact over profits alone. Smarter banking gives customers a financial advantage while simultaneously building a sustainable banking business.
Effortless earnings for everyone 🤑
Money in your account shouldn’t just sit idle. If your money isn’t growing, it’s losing buying power from inflation.

Debut does
things differently.

We’re not like other banks.
Though, technically, we’re not
a bank (yet), but one day…
While you’ll find many of the same services offered by traditional banks at Debut, you’ll also find a few they don’t, and we plan to add many more. Debut is breaking the mould of traditional banking and building a revolutionary banking service shaped by Kiwi, for Kiwi. How many banks can say that (and really mean it)?
Let's think outside the square. Man thinking.

Getting started is easy-as.

Download Debut for iPhone or Android and open an account in the app.
Whether you’re a Kiwi or new to our shores, getting started with Debut is quick and easy.
Debut mobile banking app and Debut Debit Mastercard
Debut is the best way to save, track, budget and understand your money.
We’re doing something that’s never been done in New Zealand. We’re building a bank carefully, thoughtfully and with feedback from our customers. This is only the beginning.
Please note, Debut is not a registered bank under the Banking (Prudential Supervision) Act. This is about our future intentions. Investments with us are not supervised currently by the Reserve Bank of New Zealand.