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Dosh is a New Zealand-based financial app that facilitates spending, saving, and borrowing through a digital-first interface. The platform distinguishes itself through a partnership with One NZ, offering a rewards program that converts everyday spending and home loan settlements into Phone Dollars.

Overview · Full Intel report in progress

The App DNA

What makes this app unique?

For New Zealand residents seeking a streamlined, digital-first banking experience with integrated telecommunications rewards.

Key features

One NZ Dosh Cardstandard

A payment card that allows users to earn 1% back in Phone Dollars on eligible everyday spending.

Digital Home Loansstandard

A fully digital mortgage application process powered by Westpac NZ that includes a Phone Dollars bonus upon settlement.

Phone Dollars Rewardsstandard

A loyalty program that enables users to accumulate credit toward phone upgrades through card usage and home loan products.

How much does it cost?

free

Velocity

Active developmentShow more...

5 versions in history. Development pace: active.

See all version history

Who built it?

MCA Investments

1 app tracked · Finance

Explore the full publisher profile

User Sentiment

What do users think recently?

How are ratings & reviews evolving?

Google Play
4.57 · 219
App Store
3.67 · 3

Not enough recent reviews to extract reliable themes yet.

Read the full review analysis

Competition

Competitive landscape for Dosh

How's the Finance market?

The rivals identified

The Analyst's Read

Key takeaways for Dosh

Where is it heading?

Bottom line

Dosh functions as a non-bank financial tool that incentivizes banking activity by linking financial products to telecommunications rewards.

Report last updated

Disclosure: Independent intel to help mobile builders succeed.

AI-powered analysis with automated quality gates, built from publicly available sources. Marlvel.ai is not affiliated with, endorsed by, or sponsored by Dosh, its developer, the app publisher, Apple, or Google Play. All trademarks, logos, and screenshots referenced remain the property of their respective owners.

Cite this report

Marlvel.ai. “Dosh Intelligence Report.” Updated May 4, 2026. https://marlvel.ai/apps/dosh

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