Questions, answered

Yes. Security is our top priority. You log in at your own bank, so we never see or store your bank login details, and your bank connection runs through Akahu, New Zealand's open finance platform. Your data is encrypted in transit and at rest, and stored with Supabase in its Sydney, Australia region.

No, never. We use secure Open Banking APIs to connect to your bank. Your banking credentials are never seen or stored by PayDay. PayDay can see your transactions and make only the transfers you set up in a split rule. Nothing else.

No. PayDay only has permission to view transactions and initiate transfers according to your split rules. We cannot access funds beyond what you've explicitly authorised, and you can revoke access at any time.

You can delete your account in the app, under Profile. PayDay ends its access at Akahu and deletes your account and everything linked to it, including your split and transfer history. Billing records such as invoices are kept as long as tax law requires. If a payment is still clearing, you will be asked to wait until it settles. Security logs are kept, no longer linked to you, for up to 90 days. You can export your data first if you want a copy. We never sell your data.

PayDay is not a bank and is not an accredited requestor under the Customer and Product Data Act. It connects to your bank through Akahu, New Zealand's open finance platform, and follows the Privacy Act 2020.

PayDay never sees your bank password, and it can only pay your own accounts that you approved at your bank, within the limits you set there. You need an authenticator app to use PayDay with your bank, and on your phone every payment you make yourself asks for Face ID, fingerprint or your device passcode. Our team is alerted when a payment fails or looks wrong.

PayDay makes payments only from and to accounts at ANZ, ASB, BNZ, Kiwibank, NZHL and Westpac, all part of New Zealand's regulated open banking system. Your pay needs to land at one of them, and your splits go to your own accounts at them. TSB, Heartland, SBS, The Co-operative Bank, Rabobank and credit unions are not available in PayDay yet.

Yes! You can split your pay across accounts at multiple different banks. For example, your main account might be with ANZ, but you can split to savings at Kiwibank and a bills account at ASB. All automatically.

Not yet. PayDay works only with ANZ, ASB, BNZ, Kiwibank, NZHL and Westpac. Credit unions, and banks such as TSB, Heartland, SBS, The Co-operative Bank and Rabobank, are not available in PayDay yet. If you would like yours added, let us know through our contact page.

Yes, PayDay works with joint accounts. Both account holders will need to authorise the connection, and either can manage the split rules. This is great for couples managing household finances together.

If your bank isn't currently supported, let us know! We're actively working to add more banks. In the meantime, you can still use PayDay if your pay goes into an account at ANZ, ASB, BNZ, Kiwibank, NZHL or Westpac.

You add each income source once, such as your employer or a regular client, and PayDay matches incoming deposits by the payer's name. It checks your account on a regular schedule, and when a matching deposit has landed, it runs your split rules automatically.

Both! You can set splits as percentages (e.g., 20% to savings) or fixed amounts (e.g., $500 to bills). You can even mix them. For example, $500 to rent and 20% to savings. Percentages are worked out on the whole deposit, not on what is left after fixed amounts.

PayDay handles variable pay well. Percentage-based splits automatically adjust to your actual pay. If your rules ever add up to more than a deposit, PayDay holds that deposit and emails you instead of running a partial split.

Yes. Pause automation from the Automation screen before your pay lands and no splits will run until you switch it back on. You can also edit or delete a rule at any time.

Absolutely. PayDay works great for freelancers, contractors, or anyone with irregular income. Add each client or payer once as an income source and PayDay matches their deposits by payer name. If your pay has no set rhythm, choose irregular as your pay frequency.

Yes! You can set up different split rules for different income sources. PayDay can distinguish between your main job, side gig, or other income and apply appropriate rules to each.

Only the number of income sources PayDay splits. Plus covers one, like your salary. Pro covers up to three, for a second job or regular contract income. Everything else is the same on both.

Add a card to start a 30-day free trial on either plan. You are not charged during the trial, and we email you before it ends. If you do not cancel, your plan starts when the trial ends and your card is charged then. Each account gets one free trial, and a free period, such as 6 months of Pro for the waitlist, counts as your free trial. If you choose a plan after a free period ends, your card is charged when you subscribe.

6 months of Pro free, with no card needed. Create your account with the email you joined the waitlist with, within 90 days of your invite. When the 6 months end, nothing is charged unless you choose a plan. The 6 months counts as your free trial, so if you choose a plan after it ends, your card is charged when you subscribe.

From launch, you pay on the web at app.payday.nz, by card, Apple Pay or Google Pay, through Stripe. We never see your full card number.

Yes. Your plan keeps working until the end of the month or year you have paid for, then PayDay stops moving money. Your rules and history are kept if you come back. Cancel during the free trial and you pay nothing. No cancellation fees.

Yes. Upgrades, from Plus to Pro or from monthly to annual billing, take effect straight away. From Plus to Pro, you pay the difference for the rest of your billing period. From monthly to annual, you pay the annual price less the unused part of your month, and your year starts that day. Downgrades, from Pro to Plus or from annual to monthly billing, take effect at the end of the period you have paid for, with no refund or credit for the rest of it. A change that includes a move to monthly billing, such as Plus annual to Pro monthly, waits for the end of your annual period. Before you confirm any change, including Pro monthly to Plus annual, your subscription settings show what you will pay and when it takes effect. If you upgrade during your free trial, your trial end date stays the same.

The change happens at the end of the period you have paid for. If you have more than one income source, you choose which one keeps splitting. The others are paused, not deleted, and you can switch them back on if you move to Pro again.

If your free trial turns into a paid plan and you did not mean it to, tell us within 7 days of that first charge and we will refund it in full. We do not refund part of a month or year when you cancel. This does not affect your rights under the Consumer Guarantees Act.

First, check that your bank connection is active in Settings. If it is, the deposit may not have matched your pay pattern. You can manually trigger a split or adjust your detection settings. Contact support if the issue persists.

Splits can fail if there are insufficient funds, the destination account details are incorrect, or there's a temporary bank issue. You'll get an email with the details. PayDay does not retry a failed split automatically, so retry it from the app once the issue is sorted. Contact support if it continues to fail.

Go to Settings > Connected Accounts, tap on the bank you want to reconnect, and follow the prompts. You may need to re-authenticate with your bank. Your split rules will be preserved.

Once a split is processed, the transfers are complete. You'd need to manually transfer money back if needed. However, you can pause future splits or adjust your rules to prevent unwanted splits.