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SPECIFICTION
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PayDay

payday.nz

Free plan WebiOSAndroid
Visit payday.nz
Spec score 7.8 #11 of 18 in Automated Savings Apps

What it is

PayDay is a New Zealand app that detects incoming pay and splits it across connected accounts according to rules the user sets. Percentage splits change with the amount received, while fixed splits stay the same. It checks connected accounts for deposits matching configured income sources, then runs the relevant rules. A unified dashboard shows balances across connected New Zealand accounts and supports transfers between them. The Insights tab uses transactions to estimate money remaining before the next pay and identify upcoming bills. Bank links and transfers run through Akahu. PayDay lists ANZ, ASB, BNZ, Kiwibank and Westpac as supported; TSB, Heartland, SBS, The Co-operative Bank, Rabobank and credit unions are not yet available. The free plan, billed Free while PayDay builds, includes automatic pay detection, custom percentage or fixed splits, transfer history, a unified dashboard, Payy AI assistant, biometric lock, and email and in-app alerts. PayDay says it does not store bank passwords and encrypts data in transit and at rest. It can view transactions and make only transfers set up in split rules; users can pause splits or revoke access. The service is in private testing and invites users through a waitlist.

Spec sheet

Purpose
PayDay detects incoming pay and automatically splits it across the user's accounts according to their rules.Read 7 Oct 2026 · payday.nz
Security
PayDay says it never stores bank passwords and encrypts data with 256-bit AES in transit and at rest.Read 7 Oct 2026 · payday.nz
Support
PayDay says its support team is based in New Zealand and provides a contact form for questions and feedback.Read 7 Oct 2026 · payday.nz
Headquarters
Auckland, New ZealandRead 28 Sep 2026 · payday.nz
Founded
2025Read 28 Sep 2026 · payday.nz
Availability
PayDay says it is in private testing and invites users through a waitlist.Read 7 Oct 2026 · payday.nz
Dashboard
The unified dashboard shows balances across connected NZ accounts and supports moving money between accounts.Read 7 Oct 2026 · payday.nz
Insights
The Insights tab uses transactions to estimate money remaining before the next pay and identify upcoming bills.Read 7 Oct 2026 · payday.nz
Integration
Bank connections run through Akahu, which PayDay uses to link bank accounts and facilitate transfers.Read 7 Oct 2026 · payday.nz
Intended audience
PayDay is designed for New Zealanders, including salaried workers, people with variable shift income, and contractors or self-employed people.Read 7 Oct 2026 · payday.nz
Pay detection
PayDay checks connected accounts for deposits matching configured income sources and runs split rules after detecting pay.Read 7 Oct 2026 · payday.nz
Permissions
PayDay can view transactions and make only transfers set up in split rules, and users can revoke access or pause splits.Read 7 Oct 2026 · payday.nz
Privacy controls
Users can request data deletion and export their information from PayDay.Read 7 Oct 2026 · payday.nz
Supported banks
PayDay lists ANZ, ASB, BNZ, Kiwibank, and Westpac as supported; TSB, Heartland, SBS, The Co-operative Bank, Rabobank, and credit unions are not yet available.Read 7 Oct 2026 · payday.nz
Variable income
Percentage splits adjust to the amount received, while fixed split amounts stay the same.Read 7 Oct 2026 · payday.nz

Plans and prices

Free Free Free while PayDay builds; no card required Bank linking via Akahu · automatic pay detection · custom percentage or fixed split rules · transfer history · unified NZ accounts dashboard · Payy AI assistant · biometric lock · email and in-app alerts Read 7 Oct 2026 · payday.nz

Every PayDay plan and price →

Strong points and limits

Strong points

  • Percentage splits adjust to the pay amount received.
  • Dashboard combines balances across connected NZ accounts.
  • Users can pause splits or revoke bank access.
  • Users can request data deletion and export their information.
  • Free plan includes alerts and biometric lock.

Limits

  • The service is in private testing with a waitlist.
  • Several banks and credit unions are not yet supported.
  • Bank connections and transfers run through Akahu.

Who it suits

PayDay is designed for New Zealanders, including salaried workers, people with variable shift income, and contractors or self-employed people. It suits users whose bank is among those listed as supported and who want income split into accounts by rules.

Verdict

PayDay centers on automatically applying user-defined rules when income arrives, with a dashboard and bill-related insights. Availability is limited to private testing, and bank support varies.

Where Specifiction places it

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