Next-gen banking, shaped by you.

We’re building the bank of the future with you. Streamline your savings, track your spending and budget like a pro. This is only the beginning.

Join the Banking Revolution.

Debut is building the next generation of banking with you.

Fight inflation, grow your savings and spend securely with smart insights

Earn on every dollar in Debut with Universal Interest. Grow your savings effortlessly by rounding up expenses or activate a PowerUp to reach your savings goals faster. Identify transactions by category and set budgets to mind your spending. Sign up in 2 mins for free.

Join Debut and help to shape next-gen banking in NZ. Download the Debut App.

Experience New Zealand’s smartest bank in the making.

Debut is building a first-of-its-kind
New Zealand bank shaped by you.

Debut is teaming up with Kiwis like you to rethink what a modern bank could look like in Aotearoa. Together, we are reimagining traditional banking, ditching the fees, and building services that help Kiwis grow their savings and fight inflation. 💪

Explore Debut.

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The Latest from the Spotlight Blog

Using mobile payments at a contactless reader with a Debut Mastercard

Tag On the Bus, Train or Ferry with Debut Mastercard in Auckland

News

Nov 26, 2024

Now you can use your Debut Mastercard to board public transportation in Auckland.

Debut Dream Holiday Challenge, famous landmarks from around the world.

Win up to $10,000 for your Dream Holiday with Debut

Competition

Nov 1, 2024

Fly for free* on your next epic getaway. Enter Debut’s Dream Holiday Challenge for your chance to win up to $10,000 toward air travel.

A hand holding a Debut Mastercard with contactless waves in a supermarket.

Win $2,000 with Debut & Mastercard: Daily Prize Draw!

Competition

Oct 29, 2024

Tap and pay with your Debut Mastercard from 28 Oct – 29 Nov to win $2,000 daily.

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What if banking was
invented today?

How could we use technology to help Kiwis become better with money?

Debut is banking on you and your feedback while we build better banking from the ground up. We’re starting with the basics, so we can be intentional about how to deliver the best experience and value for our customers.

Your money is in the bank.

Funds with Debut are held in a secure trust with a registered NZ bank.

The money you deposit with Debut is held in a secure trust in a registered AA-rated New Zealand-based bank, so you’ll earn Universal Interest on every dollar.

We believe banks should help Kiwis to grow their money.

We’re on a mission to put
1 billion dollars back in the pockets of New Zealanders!

We want to see more Kiwi dollars staying in New Zealand, helping Kiwis thrive.

Banks in New Zealand are earning at an all-time high, but most of the profits end up going overseas. Even less goes back into helping customers grow their money. We want to change that with Debut by creating a New Zealand bank that benefits all Kiwis.

Banking that’s better for all of us.

Better banking prioritises a positive customer impact over profits alone. Smarter banking gives customers a financial advantage while simultaneously building a sustainable banking business.

Effortless earnings for everyone 🤑

Money in your account shouldn’t just sit idle. If your money isn’t growing, it’s losing buying power from inflation.

Join the banking revolution

Debut does
things differently.

Debut is not a bank, but it's a goal we're eagerly working toward.

While you’ll find many of the same services offered by traditional banks at Debut, you’ll also find a few they don’t offer – and we plan to add many more. Debut is breaking the mould of traditional banking and building revolutionary financial services shaped by Kiwi, for Kiwi.

Please note, Debut is not a registered bank under the Banking (Prudential Supervision) Act. This is about our future intentions. Investments with us are not supervised currently by the Reserve Bank of New Zealand.

Together, let's think outside of the square. Debut is banking shaped by you.

Getting started is easy-as.

Download Debut for iPhone or Android and open an account in the app.

Whether you’re a Kiwi or new to our shores, getting started with Debut is quick and easy.

Debut is the best way to save, track, budget and understand your money.

We’re doing something that’s never been done in New Zealand. We’re building a bank carefully, thoughtfully and with feedback from our customers. This is only the beginning. Money stored with Debut is held in a secure trust in a registered AA- rated NZ-based bank.