Dosh vs Payap:Which is more popular in New Zealand?
In October 2026, Dosh had more branded searches than Payap among neo-banks and everyday money apps in New Zealand. Dosh had about 740 branded searches, while Payap had 590. Dosh made up 4.9% of all neo-banks and everyday money app searches we track, and Payap accounted for 3.9%. When we asked ChatGPT and Google AI Overviews about neo-banks and everyday money apps, Dosh appeared in two of the five answers and Payap in one. Dosh was mentioned before Payap in every answer that named either.
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Top neo-banks and everyday money apps in ChatGPT and Google AI Overviews
In three ChatGPT questions and two Google AI Overviews, Dosh was mentioned in two out of five: not in any of the three ChatGPT answers, but in both Google AI Overviews. Payap was mentioned in one out of five: not in any of the three ChatGPT answers, but in one of the two Google AI Overviews. Dosh was listed before Payap in every answer that named either.
Most recommended by AI
Brands get a higher ranking if they are mentioned earlier in the answers.
Mentioned by AI
Each dot is one answer, filled in when that answer mentions the brand.
Revolut2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
Wise2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
Dosh2 of 5Named in 0 of 3 ChatGPT answersNamed in 2 of 2 Google answers
Emerge2 of 5Named in 0 of 3 ChatGPT answersNamed in 2 of 2 Google answers
Debut2 of 5Named in 0 of 3 ChatGPT answersNamed in 2 of 2 Google answers
Payap1 of 5Named in 0 of 3 ChatGPT answersNamed in 1 of 2 Google answers
Booster Savvy0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers
See every answer about neo-banks and everyday money apps
5 answers
Asked ChatGPT
“Which digital bank should I use in New Zealand?”
Asked ChatGPT
“What are the best digital banks in New Zealand?”
Asked ChatGPT
“What's the best digital bank in New Zealand for everyday spending and saving?”
Searched Google, AI Overview
“digital banks nz”
Searched Google, AI Overview
“neo bank nz”
Not named in any answer:
Brands are shown in the order each answer named them. The survey took place in New Zealand on October 21, 2026.
Is Dosh or Payap more popular in search?
This chart shows how often people search Google for Dosh and Payap by name. Each line represents a brand's share of searches for all seven neo-banks and everyday money apps we track, month by month, from searches in New Zealand.
Share of searches by month for Dosh, Payap. The figures are in the table below the chart.
View monthly share of searches table
| Month | Revolut | Wise | Dosh | Payap | Booster Savvy | Emerge | Debut |
|---|---|---|---|---|---|---|---|
| Nov 2025 | 58.6% | 16.8% | 6.9% | 12.9% | 3.3% | 1.2% | 0.27% |
| Dec 2025 | 60.6% | 19.3% | 6.3% | 9.2% | 3.4% | 0.99% | 0.21% |
| Jan 2026 | 62.8% | 17.6% | 9.7% | 5.3% | 3.5% | 0.84% | 0.18% |
| Feb 2026 | 56.3% | 16.3% | 12.6% | 10.5% | 3.1% | 0.92% | 0.2% |
| Mar 2026 | 60.2% | 20.2% | 7.6% | 7.5% | 2.8% | 1.2% | 0.52% |
| Apr 2026 | 63.2% | 20.8% | 6.6% | 3.5% | 4.3% | 1.2% | 0.29% |
| May 2026 | 62.5% | 22.9% | 6.5% | 3.5% | 3.5% | 1% | 0.14% |
| Jun 2026 | 67.5% | 19.5% | 5.7% | 3% | 3% | 1.1% | 0.13% |
| Jul 2026 | 69.4% | 19.3% | 4.6% | 2.4% | 3% | 1.1% | 0.13% |
| Aug 2026 | 62.6% | 22.6% | 6% | 4% | 3.3% | 1.4% | 0.07% |
| Sep 2026 | 64.3% | 21.8% | 4.3% | 5.2% | 2.8% | 1.5% | 0.06% |
| Oct 2026 | 72.8% | 14.5% | 4.9% | 3.9% | 2.6% | 1.1% | 0.07% |
How has branded search for Dosh and Payap changed in New Zealand over the last 12 months?
3 findings
- The lead changed hands 3 times in the 12 months ending October 2026: Dosh took it in January 2026, Payap took it in September 2026, Dosh took it in October 2026.
- Across the 12 months ending October 2026, Dosh’s share of searches among neo-banks and everyday money apps in New Zealand moved from 6.9% to 4.9%, and its estimated monthly branded searches moved from 1K to 740.
- Across the 12 months ending October 2026, Payap’s share of searches among neo-banks and everyday money apps in New Zealand moved from 12.9% to 3.9%, and its estimated monthly branded searches moved from 1.9K to 590.
How did search popularity change for New Zealand neo-banks and everyday money apps in October 2026?
2 changes
In October 2026, Dosh overtook Payap to rank 3rd among neo-banks and everyday money apps in New Zealand, with 4.9% of the searches.
In October 2026, Payap lost share of searches among neo-banks and everyday money apps in New Zealand, from 5.2% to 3.9%.
How are Dosh’s and Payap’s branded searches counted?
4 search terms
Brandwave collects information about searches that people make online using Dosh’s and Payap’s names. When viewed over time, estimated search volumes for these branded terms can be used to understand whether interest in the brands is growing, holding steady, or fading.
Other head-to-heads among neo-banks and everyday money apps
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