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Dosh review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Dosh is a New Zealand Visa debit card that suits everyday local spending, paying cashback of 1% on a monthly fee of NZD 0. The trade-off is the currency conversion fee of 2%, plus support that runs on email only, so travellers and phone-first users get less.

Key facts

Best for
Everyday New Zealand spending on a debit card with cashback of 1% and a monthly fee of NZD 0.
Monthly fee
NZ$0 (Source, checked September 26, 2026)
Currency conversion fee
2% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Cashback rate
1% (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
MCA Investments Limited (Source, checked September 26, 2026)
Headquarters
New Zealand (Source, checked September 26, 2026)
Founded
2021 (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)
Official website
dosh.nz

Credit cards

Currency conversion fee
2% (Source, checked September 26, 2026)
Legal entity
MCA Investments Limited (Source, checked September 26, 2026)
Headquarters
New Zealand (Source, checked September 26, 2026)
Founded
2021 (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • The monthly fee is NZD 0, so running the account costs nothing month to month.
  • Cashback of 1% sits on a debit card that runs on the visa network.
  • Registered under FMA licence FSP1000801 through MCA Investments Limited.

Cons

  • The currency conversion fee of 2% is heavier than the site median of 1%, and Dosh ranks 160 of 259 on that measure.
  • Support runs on email only, with no phone line or live chat listed.
  • The offer sits in its home market: MCA Investments Limited holds FSP1000801 from the New Zealand regulator, so residents elsewhere get little here.
Dosh

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Scored 8.5 / 10 by DebitCue.

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Who it suits

  • New Zealand residents who pay most bills on a debit card and want cashback of 1%.
  • People who keep a single currency and a single card, and are happy to handle questions over email.
  • Customers who want a named regulated provider, since MCA Investments Limited appears on the public disclosure.

Who should look elsewhere

  • Wise, for anyone who converts currency often, because Dosh's conversion fee is 2%.
  • Varo Believe Secured Credit Card, for people who want a secured credit card rather than a debit account.
  • Chime Card (Secured Visa Credit Card), for people who prefer a secured credit card in place of a debit one.

How it compares on our data

On monthly fee, Dosh places 1 of 419 brands, the strongest result in the set. On currency conversion fee the rank is 160 of 259. The two numbers point in opposite directions, so readers who rarely convert see the better deal, while anyone spending abroad should read the conversion rank as the warning sign.

How Dosh compares

Where Dosh is available

Available
New Zealand
Licence in New Zealand
Financial Markets Authority (FMA) (FSP1000801), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does the Dosh card cost each month?+

Dosh charges a monthly fee of NZD 0, so holding the account adds nothing to the budget. The other recurring cost to weigh is the currency conversion fee of 2%, which comes into play on spending outside New Zealand.

What does Dosh pay back on spending?+

Dosh pays cashback of 1% on spending. It is a flat cashback rate rather than a tiered points scheme, so the same return applies to everyday purchases, and it runs on the visa network card.

Is Dosh regulated in New Zealand?+

Yes. The public disclosure names an FMA licence, FSP1000801, held by MCA Investments Limited. The Financial Markets Authority is the regulator listed for New Zealand, so the account sits inside a registered framework rather than outside one.

How do I reach Dosh support?+

Support runs on email only. That is a single listed channel, so a question or a blocked payment means writing to the team and waiting for a reply rather than reaching someone on a call.

Does the Dosh card work outside New Zealand?+

The card runs on the visa network, so it is usable beyond New Zealand, but a currency conversion fee of 2% applies on spending in another currency. That fee is the part of the offer to test before committing to heavy overseas use.

When was Dosh founded and where is it based?+

Dosh was founded in 2021 and is based in New Zealand, so it is a young local operation rather than an established global bank. Accounts run through MCA Investments Limited, and the card itself is a debit card.

Is the Dosh card a credit card?+

No. The card type is debit, which means it spends money already sitting in the account rather than borrowing on a revolving balance. Cashback of 1% applies to that spending, and the monthly fee is NZD 0 for as long as the account stays open.

How does Dosh rank on cost?+

Dosh places 1 of 419 brands on monthly fee, so the account sits at the cheap end on that measure. Currency conversion fee tells a different story, with a rank of 160 of 259.

Sources

  • dosh.nz checked September 26, 2026

    Backs: Headquarters

    “MCA Investments Limited, a registered New Zealand company”

  • dosh.nz/card-rewards checked September 26, 2026

    Backs: Cashback rate, Currency conversion fee, Monthly fee

    “earn 1% back in Phone Dollars on your eligible everyday spend - One NZ dosh Visa debit card”

  • dosh.nz/contact-us checked September 26, 2026

    Backs: Support channels

    “contact@dosh.nz”

  • dosh.nz/dosh-card checked September 26, 2026

    Backs: Card type, Card network

    “Spend with your One NZ dosh Visa debit card”

  • dosh.nz/public-disclosure checked September 26, 2026

    Backs: Legal entity, Licences

    “Dosh is the trading name of MCA Investments Limited (NZBN 9429048713511)”

  • nz.linkedin.com/company/dosh-new-zealand checked September 26, 2026

    Backs: Founded

    “James McEniery and Shane Marsh returned to New Zealand in 2021 and launched dosh”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Related by the facts

Dosh

Dosh

Everyday New Zealand spending on a debit card with cashback of 1% and a monthly fee of NZD 0.

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