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PayDay
Auckland, New Zealand
What it is
PayDay is a money management app for New Zealanders that detects incoming pay and distributes it across connected accounts using rules the user sets. Percentage splits change with the amount received, while fixed splits keep the amount specified. The app checks linked accounts for deposits matching configured income sources and applies the associated rules. A dashboard shows balances across connected New Zealand accounts and supports transfers between them. Insights use transaction activity to estimate money remaining before the next pay and identify upcoming bills. Bank linking and transfers run through Akahu. PayDay lists ANZ, ASB, BNZ, Kiwibank, and Westpac as supported; TSB, Heartland, SBS, The Co-operative Bank, Rabobank, and credit unions are not yet available. The free plan includes automatic pay detection, custom split rules, transfer history, a unified dashboard, a Payy AI assistant, biometric lock, and email and in-app alerts. PayDay says it does not store bank passwords and encrypts data in transit and at rest. It is in private testing and invites users through a waitlist.
For and against
For
- Free plan includes automatic pay detection.
- Percentage or fixed split rules are available.
- Dashboard combines balances across connected NZ accounts.
- Users can pause splits or revoke access.
- Users can request data deletion or export.
Against
- The app is in private testing with a waitlist.
- Several banks and credit unions are not yet available.
- No free trial is offered.
The verdict
PayDay automates account splits based on incoming pay and offers a combined account view with spending insights. Check whether your bank is supported and whether you can access the app through its waitlist.
Who it suits
PayDay is designed for New Zealanders, including salaried workers, people with variable shift income, and contractors or self-employed people who want income split across accounts by rules.
Plans and prices
Free
Bank linking via Akahu · automatic pay detection · custom percentage or fixed split rules · transfer history
Read 7 Oct 2026 · payday.nz
On the record
- Availability
- PayDay says it is in private testing and invites users through a waitlist.payday.nz · read 7 Oct 2026
- Dashboard
- The unified dashboard shows balances across connected NZ accounts and supports moving money between accounts.payday.nz · read 7 Oct 2026
- Insights
- The Insights tab uses transactions to estimate money remaining before the next pay and identify upcoming bills.payday.nz · read 7 Oct 2026
- Integration
- Bank connections run through Akahu, which PayDay uses to link bank accounts and facilitate transfers.payday.nz · read 7 Oct 2026
- Intended audience
- PayDay is designed for New Zealanders, including salaried workers, people with variable shift income, and contractors or self-employed people.payday.nz · read 7 Oct 2026
- Pay detection
- PayDay checks connected accounts for deposits matching configured income sources and runs split rules after detecting pay.payday.nz · read 7 Oct 2026
- Permissions
- PayDay can view transactions and make only transfers set up in split rules, and users can revoke access or pause splits.payday.nz · read 7 Oct 2026
- Privacy controls
- Users can request data deletion and export their information from PayDay.payday.nz · read 7 Oct 2026
- Purpose
- PayDay detects incoming pay and automatically splits it across the user's accounts according to their rules.payday.nz · read 7 Oct 2026
- Security
- PayDay says it never stores bank passwords and encrypts data with 256-bit AES in transit and at rest.payday.nz · read 7 Oct 2026
- Support
- PayDay says its support team is based in New Zealand and provides a contact form for questions and feedback.payday.nz · read 7 Oct 2026
- Supported banks
- PayDay lists ANZ, ASB, BNZ, Kiwibank, and Westpac as supported; TSB, Heartland, SBS, The Co-operative Bank, Rabobank, and credit unions are not yet available.payday.nz · read 7 Oct 2026
- Variable income
- Percentage splits adjust to the amount received, while fixed split amounts stay the same.payday.nz · read 7 Oct 2026
