Dosh is a NZ app with a One NZ dosh Visa debit card, Phone Dollars rewards, and Strive savings. Use code 00091463 when you join; Dosh also runs a published $50 Phone Dollars on first card use offer.

Quick answer: Dosh NZ offers a One NZ dosh Visa debit card, Phone Dollars rewards, Strive savings, and home-loan pathways. Use code 00091463 if prompted; the headline $50 reward is Phone Dollars, not cash.

What is Dosh NZ?

Dosh is operated by MCA Investments Limited (FSP1000801, NZBN 9429048713511). Dosh is a licensed Financial Advice Provider for home loan advice (disclosure).

Important regulatory facts from dosh.nz:

  • Dosh is not a registered bank
  • Customer funds are held at a NZ registered bank
  • The One NZ dosh Visa debit card ties spending to One Wallet and Phone Dollars

Office: Level 3, 30 Daldy Street, Auckland CBD (listed on site).

What Dosh offers (official features)

Spending

  • One NZ dosh Visa debit card — Visa acceptance, Apple Pay / Google Pay (dosh.nz)
  • 1% Phone Dollars back on eligible everyday spend (card reward T&Cs)
  • Split bills in-app or Request to Pay
  • Lock/unlock card, limits, purchase notifications

Phone Dollars (One NZ)

Per dosh.nz and One Wallet:

  • Phone Dollars can go toward interest-free phones on eligible Pay Monthly plans (min deposit and criteria apply)
  • Not the same as cash in a standard bank account — read One NZ terms

Savings — Strive

  • Strive on-call savings: 2.10% p.a. advertised (subject to change) (save)
  • No account fees, minimum deposits, or penalties listed on site
  • Funds in dosh accounts described as DCS-protected via trust structure (dosh.nz/dcs)

Home loans

  • Promoted by dosh; approved and managed by Westpac (dosh home loans)
  • Separate Phone Dollar rewards on large settlements per home loan reward T&Cs (minimum loan size and fixed term apply)

Is a "Dosh promo code" the same as a referral code?

"Dosh promo code", "Dosh coupon", "Dosh discount code", and "Dosh voucher NZ" all lead people here looking for the same benefit: the sign-up bonus. Dosh uses an in-app code — enter 00091463 when prompted during sign-up, not a URL or checkout coupon box. The $50 Phone Dollars promotion is a separate Dosh-and-One-NZ campaign; see the offer table above for how both work together. Want to know the difference between these terms? See promo code vs referral code.

$50 Phone Dollars promotion (official)

Dosh's terms for $50 Phone Dollars on first card use state (summary — read full legal text):

Detail
Reward$50 Phone Dollars from One NZ after first card transaction
Period28 Jan 2026 – 31 Dec 2026 (NZT)
WhoActive Dosh account + activated dosh card, no prior card transaction
PaymentWithin 3 business days if criteria met
LimitOne first-card reward per customer

This is separate from ongoing 1% card rewards. Eligibility and exclusions (e.g. replaced cards) are in the full T&Cs.

Before you join Dosh

Dosh is most useful if the One NZ rewards ecosystem fits your life. Check these points first:

CheckWhy it matters
Phone Dollars are not cashThey are used toward eligible One NZ interest-free phones, with Pay Monthly and deposit rules.
$50 reward triggerYou need an activated dosh card and a first card transaction during the promotion period.
Confirmed reward timingDosh says eligible Phone Dollars can appear within about 3 business days, but read the T&Cs.
Savings rateStrive's 2.10% p.a. advertised rate is variable and can change.
Home loansDosh promotes home loans approved and managed by Westpac; lending criteria apply.
Bank statusDosh is not a registered bank; funds are held at a NZ registered bank.

How to claim this offer

  1. Download via get-the-dosh-app
  2. Register and enter 00091463 when prompted
  3. Activate your dosh card
  4. Use the card so you qualify for published rewards per dosh.nz terms

Is Dosh right for you?

Strong fit:

  • One NZ customers who want Phone Dollars toward a handset
  • Savers comparing Strive rates vs big banks (compare rates)
  • Borrowers exploring home loans through dosh's Westpac pathway

Compare alternatives:

Frequently asked questions

Is the Dosh offer for new customers only?
Most referral and promo offers are for new accounts who have not used the service before. Check the provider's terms if you have an old account.

What is Dosh?
Dosh is a New Zealand financial app (MCA Investments Limited, FSP1000801) offering a One NZ dosh Visa debit card, Phone Dollars rewards with One NZ, Strive savings, bill tools, and home loans promoted via dosh. It is not a registered bank.

What is the Dosh promo code 00091463?
00091463 is the referral or sign-up code we track on Kiwi Coupons. Enter it when you download the app via our link. Separately, Dosh publishes a $50 Phone Dollars offer on first card use — see dosh.nz/terms-conditions-50-phone-dollar-offer.

What are Phone Dollars?
Per Dosh and One NZ, Phone Dollars are rewards in the One Wallet. They can be used toward interest-free phones on eligible Pay Monthly plans with minimum deposit — see one.nz/one-wallet for eligibility and terms.

How do I get $50 Phone Dollars?
Dosh's published 2026 promotion: activate your dosh card and make your first card transaction during the promotion period (28 Jan–31 Dec 2026 per T&Cs) to receive $50 Phone Dollars from One NZ within about 3 business days if eligible. Read the full terms on dosh.nz.

Is Dosh a bank?
No. Dosh states it is not a registered bank. Customer funds are held at a NZ registered bank. Dosh is FSP1000801 and a licensed Financial Advice Provider for home loan advice.

Is my money protected with Dosh?
Dosh explains customer funds are held on bare trust with major NZ banks and may be covered by the Depositor Compensation Scheme up to $100,000 per customer if the underlying bank fails (from 1 July 2025). See dosh.nz/dcs and rbnz.govt.nz/dcs.

What is Dosh Strive?
Strive is Dosh's savings account product, advertised at 2.10% p.a. interest with no account fees or minimum deposits on dosh.nz — the rate is subject to change; confirm in-app.

How do I earn ongoing Phone Dollars?
Dosh advertises 1% back in Phone Dollars on eligible everyday spend with your One NZ dosh Visa debit card. See dosh.nz/terms-conditions-phone-dollar-rewards for card reward rules.

Does Dosh offer home loans?
Yes. Dosh promotes home loans that are approved, issued and managed by Westpac New Zealand Limited. Lending criteria apply. Large loan settlements may earn separate Phone Dollar rewards per published T&Cs.

Dosh coupon vs promo code vs discount code — what's the difference?
Those search terms usually mean the same thing: savings at sign-up. Dosh uses app referral/promo codes (like 00091463) plus separate published Phone Dollar campaigns — not a voucher code at an online checkout.

Can I use Dosh without One NZ?
The dosh card and Phone Dollars programme are built with One NZ (One Wallet). Product eligibility is defined by Dosh and One NZ terms — read get-the-dosh-app and one.nz/one-wallet before joining.

👉 Get the Dosh app — code 00091463

Last Updated: May 2026 | Sources: dosh.nz, $50 offer T&Cs, DCS