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Three steps, about five minutes

How PayDay works.

Connect your bank once, write your split rule, and every payday runs itself. No transfer to remember, no willpower required.

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Read the transcript

You get paid. You mean to save. Then the week happens, and it’s gone.

PayDay fixes that. It splits your pay across your own bank accounts, soon after it lands. Bills, savings and spending, sorted before you can touch it.

Setting up takes a few minutes. Connect your accounts through Akahu, logging in at your own bank. Tell PayDay who pays you. Then set your splits: a percentage, a fixed amount, or a top-up.

Each payday, PayDay spots your pay and runs your splits for you, and an email confirms when every split has run.

Your money stays in your own accounts. PayDay only moves it between them, by the rules you set.

And Insights shows what’s likely left before your next pay.

PayDay. Stop losing money between paydays. Get early access at payday.nz.

Set it up once.

You will spend more time deciding what to have for lunch.

01

Connect your bank

Securely link your NZ bank account in under 2 minutes. We use bank-grade encryption. PayDay can see your transactions and make only the transfers you set up in a split rule.

  • Works with ANZ, ASB, BNZ, Kiwibank and Westpac
  • 256-bit SSL encryption
  • Only the transfers you set up
  • No passwords stored
02

Set your split rules

Tell PayDay exactly how you want your pay divided. Set percentages or fixed amounts for savings, bills, investments, and spending. However you like to budget.

  • Percentage or fixed amounts
  • Unlimited split destinations
  • Priority ordering for bills
  • Easy to adjust anytime
03

Get paid, and forget about it

PayDay runs your splits soon after your pay lands. No manual transfers, no forgotten savings. Just financial peace of mind.

  • Automatic pay detection
  • Automatic transfers
  • Email confirmations
  • Complete transaction history

Payday, start to finish

See it in action.

Your pay lands, PayDay reads your rule, and the money is where it should be before you have opened the app.

Pay lands

$3,450.00 from ACME Corp

PayDay splits it

Your rule, applied in order

Bills

$1,380 · 40%

Savings

$862 · 25%

Spending

$1,207 · 35%

Example on a $3,450 pay. Percentage splits scale with whatever actually lands.

Before you sign up

Common questions

The short answers. The long ones are on the FAQ page.

Read the full FAQ
How quickly are splits processed?

PayDay runs your splits soon after your pay lands, not the instant it arrives. How quickly each payment then clears depends on the banks involved.

What if I need to skip a split?

No problem. Pause automation in the app before your pay lands and no splits will run until you switch it back on.

Can I split to accounts at different banks?

Yes. 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.

What happens if my pay amount changes?

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

Is there a limit to how many splits I can create?

No. Both plans let you create as many split rules as you need. The only difference is income sources: Plus splits one, Pro splits up to three.