Emerge vs Payap:Which is more popular in New Zealand?
In October 2026, Payap had more branded searches than Emerge among neo-banks and everyday money apps in New Zealand. Payap had about 590 branded searches, while Emerge had 170. Payap made up 3.9% of all neo-banks and everyday money app searches we track, and Emerge accounted for 1.1%. When we asked ChatGPT and Google AI Overviews about neo-banks and everyday money apps, Emerge appeared in two of the five answers and Payap in one. Emerge was mentioned before Payap in every answer that named either.
Who do people search for more?
Payap, about 3 searches for every 1 for Emerge
Who does AI mention more?
Emerge, mentioned in 2 of 5 answers, Payap in 1
Who does AI recommend more?
Emerge, named ahead of Payap in 2 of 2 answers
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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, Emerge 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. Emerge 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 Emerge or Payap more popular in search?
This chart shows how often people search Google for Emerge 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 Payap, Emerge. 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 Emerge and Payap changed in New Zealand over the last 12 months?
3 findings
- Payap was ahead of Emerge in every measured month of the 12 months ending October 2026.
- Across the 12 months ending October 2026, Emerge’s share of searches among neo-banks and everyday money apps in New Zealand moved from 1.2% to 1.1%, and its estimated monthly branded searches held steady at 170.
- 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 Emerge’s and Payap’s branded searches counted?
3 search terms
Brandwave collects information about searches that people make online using Emerge’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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