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

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 placeholderCouple with laptop at the table

Bills, paid for you.

Forward a bill to your private adapter email address. We read it and your rule pays it from the account you choose. Add an approval step for a final check.

Image placeholderA kettle in the early morning sunlight

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 kid holding a money jar in front of a lemonade stand

You stay in charge.

Add an approval step to any rule and the transfer waits for a single click before it happens. Your money never moves without your say-so.

Image placeholderOver the shoulder of a woman at a table, having a conversation with a man holding some papers, an empty jar on the table
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.

Add an approval step wherever you want a final say. Edit anytime. Cancel anytime. Nothing surprising - by design.

Image placeholderAdapter's visual workflow builder showing a paycheck split rule
Examples

Real situations. Solved while you sleep.

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

Image placeholderA couple in Queenstown, the man placing breakfast on the table for the woman who is seated, with Lake Wakatipu and the Queenstown foothills in the background

Split your pay

Your salary lands at 11 pm Friday. By Saturday morning, 10% is in savings, 2% in your holiday account, and the rest is ready to spend. Your rules.

Image placeholderA couple sitting in their lounge at a low table with a tablet computer on it, looking at a printed piece of paper

Unexpected bills

Convert emails into payments. Adapter reads bills you send in and can pay it from the account you chose. Add an approval step if you want a final check. You're in control

Image placeholderA man investigating under the bonnet of a car

Emergency fund

You raid your emergency fund for a car repair. Adapter notices when it has dipped below $1,000 and automatically tops it up at your next pay.

Image placeholderA young woman seated in the back seat of a car, looking thoughtfully out the window as it moves through the New Zealand countryside

Room for pause

Drop an approval step into any rule and the transfer waits on you. 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.
  • Built in New Zealand by a small team.
  • We never see, store, or transmit your bank password.
  • One-click disconnect. A clean break - we lose all access to act on your behalf.
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. Add a one-tap approval step to any rule and nothing moves until you say so.

Stop thinking about money admin.

Spend two minutes setting it up. Life admin be gone!

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