Questions, answered

Absolutely. Security is our top priority. We use bank-grade 256-bit SSL encryption, never store your bank login credentials, and are your bank connection runs through Akahu, an accredited requestor under the Customer and Product Data Act 2025. Your data is stored securely in New Zealand data centres.

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.

If you choose to delete your account, we permanently delete all your personal data within 30 days. You can also request an export of your data before deletion. We never sell or share your financial data with third parties.

Yes. PayDay operates in compliance with New Zealand financial regulations and privacy laws. Our bank connections run through Akahu, an accredited requestor on MBIE's Register of Participants under the Customer and Product Data Act 2025, and we follow the NZ Privacy Act 2020.

We employ multiple layers of security: two-factor authentication, biometric login (Face ID/fingerprint), transaction monitoring, and instant alerts for any suspicious activity. If we detect anything unusual, we'll pause splits and notify you immediately.

PayDay works with all major New Zealand banks including ANZ, ASB, BNZ, Westpac, Kiwibank, TSB, The Co-operative Bank, SBS Bank, and Heartland Bank. We're constantly adding support for more institutions.

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.

Yes, we support several NZ credit unions. If your credit union isn't listed, contact us and we'll look into adding support. We're always expanding our coverage.

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 a supported bank account.

PayDay uses smart pattern recognition to identify salary deposits. It learns your pay schedule, employer name, and typical amounts. When a matching deposit arrives, PayDay triggers 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, $1,500 fixed to bills first, then 30% of the remainder to savings.

PayDay handles variable pay seamlessly. Percentage-based splits automatically adjust to your actual pay. You can also set minimum thresholds to ensure essential bills are always covered before other splits.

Yes! When PayDay detects your pay, you'll receive a notification with a brief window to review, modify, or skip that particular split. You can also pause all splits temporarily from your settings.

Absolutely. PayDay works great for freelancers, contractors, or anyone with irregular income. You can set it to detect any deposit above a certain amount, or from specific sources.

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.

PayDay is free right now. A paid Pro tier is in development, and we haven't locked in pricing yet. When Pro launches it will unlock unlimited income sources, unlimited allocation rules, full transfer history, unlimited Payy AI messages, priority support, and advanced allocation types. Waitlist members will hear first.

Pro isn't live yet. Join the waitlist and we'll let you know the moment it's ready — waitlist members get the first crack at it.

We accept all major credit and debit cards (Visa, Mastercard, American Express). All payments are processed securely through Stripe.

Yes, you can cancel anytime from your account settings. You'll keep Pro access until the end of your billing period, then revert to the Free plan. No cancellation fees.

Your split rules are preserved, but only your first 3 rules will remain active. You can choose which 3 to keep, or upgrade again anytime to reactivate them all.

Yes. If you're not satisfied with PayDay Pro, contact us within 30 days of purchase for a full refund. We want you to be completely happy with the service.

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. Check your notification for details, and the split will automatically retry. 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.