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PayDay is an automatic pay splitting app designed for New Zealanders. It detects when your salary hits your bank account and automatically divides it across multiple accounts according to rules you set, including savings, bills, investments, or everyday spending.

Getting started is simple: 1) Download the PayDay app from the App Store or Google Play, 2) Create your free account, 3) Securely connect your bank account, 4) Set up your split rules, and you're done! PayDay will automatically split your next pay.

Yes! Our Free plan is genuinely free forever. You can use PayDay with up to 3 split rules and 1 connected bank account at no cost. No credit card required, no trial period, no hidden fees.

Most users complete setup in under 5 minutes. Connecting your bank typically takes 1-2 minutes, and setting up your first split rules takes another 2-3 minutes. You'll be ready before your next payday.

Absolutely. Security is our top priority. We use bank-grade 256-bit SSL encryption, never store your bank login credentials, and are regularly audited by independent security firms. 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. We only receive read-only access to view your transactions and execute transfers you've authorised.

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. We're registered with the relevant authorities and follow strict data protection standards including 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 Pro costs $4.99 per month, or $49.90 per year (save 2 months!). Pro unlocks unlimited splits, multiple bank accounts, advanced analytics, priority support, and more.

Yes! Every new user gets a 14-day free trial of PayDay Pro. No credit card required to start. You can explore all Pro features risk-free before deciding.

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.