How PayDay Works
Automate your finances in three simple steps. Connect once, set your rules, and let PayDay handle the rest. Every single payday.
Start Your Free TrialConnect Your Bank
Securely link your NZ bank account in under 2 minutes. We use bank-grade encryption and read-only access. We can never move your money without your permission.
- Works with all major NZ banks
- 256-bit SSL encryption
- Read-only access for security
- No passwords stored
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
Sit Back & Auto-Split
When your pay hits your account, PayDay detects it instantly and executes your splits automatically. No manual transfers, no forgotten savings. Just financial peace of mind.
- Instant pay detection
- Automatic transfers
- Real-time notifications
- Complete transaction history
See It In Action
Watch how PayDay automatically detects your pay and splits it across your accounts in real-time.
Pay Detected
$4,500 from Employer Ltd
PayDay Splits
Applying your rules
Bills Account
$2,250
Savings
$1,350
Spending
$900
Common Questions
Everything you need to know about how PayDay works.
How quickly are splits processed?
Splits are processed within seconds of detecting your pay. Most transfers complete instantly for same-bank accounts, or within a few hours for inter-bank transfers.
What if I need to skip a split?
No problem! You'll receive a notification when pay is detected, giving you a brief window to pause or modify that particular split before it processes.
Can I split to accounts at different banks?
Absolutely! PayDay works with all major NZ banks. You can split your pay across accounts at ANZ, ASB, BNZ, Westpac, Kiwibank, and more.
What happens if my pay amount changes?
PayDay handles variable pay seamlessly. Percentage-based splits adjust automatically, and you can set minimum thresholds to ensure essential bills are always covered first.
Is there a limit to how many splits I can create?
Free users can create up to 3 splits. Pro users enjoy unlimited splits, perfect for detailed budgeting across multiple savings goals and bill accounts.
Have more questions?
View All FAQsReady to automate your pay?
Join thousands of Kiwis who have simplified their finances with PayDay. Start your free trial today.