Adapter
Money admin, on autopilot

Make your money do what you want.

Adapter quietly automates the bits of money management you keep meaning to get to - splitting your paycheck, paying bills, topping up savings - using your existing New Zealand bank accounts.

Free during early access · Connect your bank in two minutes · Cancel anytime

Image placeholderA warm domestic NZ scene at golden hour. Kitchen counter or living room, NZ-roastery mug visible, hands holding a phone. NO faces (so the viewer projects themselves in). Soft afternoon light through a window. Real, not staged.Stuff Library / Photo NZ / Unsplash (filter: NZ photographers). Fallback: shoot custom.

Securely connected to ANZ · ASB · BNZ · Westpac · Kiwibank · The Co-operative · TSB · SBS · Heartland · Rabobank - through Akahu, accredited under New Zealand's Consumer Data Right.

What it does

All the money admin, done for you.

Adapter is a small, friendly thing that lives between you and your bank, doing the things you keep meaning to do.

Pay yourself first.

Every payday, a slice of your income goes straight to savings, holiday, or whatever you choose. The rest stays where it always did. Set it once, forget it forever.

Image placeholderPhone face-up on a warm wooden surface showing a generic salary-arrived notification. Soft morning light. NZ context: a clean ceramic mug, native plant or NZ paper visible.

Bills, paid for you.

Forward a bill to your private adapter email address. We read it, ask for your one-tap approval, and pay it from the right account on the right day.

Image placeholderA kettle on a gas stove next to a folded power bill on a kitchen bench. Steam rising. NZ kitchen tones - warm wood, cream tile.

Always topped up.

Keep your emergency fund at $1,000. Or your spending account above $500. Adapter notices a shortfall and quietly moves the difference.

Image placeholderA clear glass jar containing NZ coins (gold dollars and silver) on a sunlit windowsill. Plant out of focus in background. Calm, gentle saturation.

You stay in charge.

Every transfer over your limit asks for a single click before it happens. Your money never moves without your say-so.

Image placeholderA hand holding a phone outside a cafe - phone screen shows an "Approve $XXX payment" button. Background bokeh. Casual, mid-day NZ café (Wellington Cuba St / Auckland K Road).
How it works

Three minutes to set up. Forever to enjoy.

You'll be done before your kettle boils.

Step 01

Connect securely.

We use Akahu, New Zealand's official open banking platform. Your bank login stays with your bank - Adapter never sees it.

Step 02

Build your rules.

A simple visual builder. Drag a trigger, add steps, choose a destination. No spreadsheets, no jargon.

Step 03

Get on with your life.

We send a heads-up before money moves. Edit anytime. Cancel anytime. Nothing surprising - by design.

Image placeholderHigh-fidelity screenshot of the workflow builder showing a real example: "Trigger: Paycheck arrives → Calculate: 10% → Destination: Savings". Soft drop shadow. Could be a hand-drawn-edge mockup if shipping the real screenshot publicly is a concern.Capture from app.adapter.nz, or Figma mockup
Examples

Real situations. Solved while you sleep.

The everyday stuff that quietly drains your evenings - Adapter takes care of it.

Image placeholderSaturday-morning kitchen table - eggs, coffee, NZ-grown produce. Warm, lived-in. Could include the back of a head, no faces.

Pay-day split.

Your salary lands at 11 pm Friday. By Saturday morning, $200 is in savings, $50 in your holiday account, and the rest is ready to spend.

Image placeholderKettle on stove + neatly stacked bills nearby. The "ordinary, taken-care-of" feeling. Same warm tone as hero.

Power bill, sorted.

Your power bill arrives in your inbox. Adapter notices, double-checks the amount with you, and pays it before the due date.

Image placeholderA Subaru / Toyota wagon on a gravel back road, or a mechanic's hand on a wheel. NZ rural feeling - Wairarapa, Coromandel, Otago.

Emergency fund, kept full.

You raid your emergency fund for a car repair. Next payday, Adapter notices it has dipped below $1,000 and tops it back up.

Image placeholderHand holding a phone outside a café (Wellington Cuba St / Auckland K Road). Phone shows "Approve $740 payment" - bokeh background. Casual.

Big-ticket safety net.

A transfer over $500 always pings you for approval. One tap and it goes. No tap and it doesn't.

Built for Aotearoa

Made here. For here.

Adapter is built by a small team in New Zealand, on New Zealand's official open banking infrastructure. It only works with NZ bank accounts - because we wanted to do one thing properly, not many things badly.

  • Built on Akahu's accredited open banking - the same infrastructure used by Inland Revenue, Westpac, Booster, and Sharesies.
  • Your data is held in New Zealand.
  • We never see, store, or transmit your bank password.
  • One-click disconnect. We delete everything.
Image placeholderA quintessential but understated NZ landscape. Gently rolling Wairarapa farmland, early-morning Wellington harbour, or a beach on the Kāpiti coast. Calm, not dramatic. Avoid Mt Cook / Hobbiton clichés.Photo NZ, Stuff Library, or commission a NZ photographer
Pricing

Free during early access.

Adapter is free while we're in early access. We'll give plenty of notice - and a generous head start - before pricing changes.

FAQ

Questions you might have.

Yes. Adapter never stores your bank password - we use Akahu's secure open banking, the same accredited infrastructure that powers IRD's connections to your bank. Every payment over your set limit needs your one-tap approval before it moves.

Stop thinking about money admin.

Spend two minutes setting it up. Get the rest of your life back.

Free during early access · Two-minute set-up · Cancel anytime