Open banking · New Zealand
Split the bill.
Get paid back.
Billy Pay tracks who owes what across your flat, trip or dinner — then settles it straight from your bank account. No IOUs, no chasing, no group-chat maths.
Free to useBank-grade securityRead-only access
Groups
AM
Owed to you
$42.10
across 3 groups
FL
Flat 12b
4 people · 2 open bills
$128.40
owed $32.10
RA
Raglan weekend
6 people · settled
$310.00
all square
TH
Thursday dinner
3 people · 1 open bill
$40.00
owed $10.00
Send a nudge
How it works
Three taps from shared cost to settled up.
01
Connect your bank
Link your account once through Akahu, New Zealand's open banking provider. Billy Pay never sees or stores your internet banking password.
02
Add the bill
Pick a group, drop in the amount, split it evenly or by share. Everyone sees the same running total the moment it lands.
03
Settle in one tap
Approve the payment and the money moves bank-to-bank. No top-ups, no wallet balance, no waiting on someone to "sort it tomorrow".
Why Billy Pay
Splitting is easy. Getting paid back isn't.
Without Billy
Screenshots of a receipt in the group chat
Someone always fronts the whole bill
Three reminders and it's still not paid
Nobody actually knows the running total
With Billy Pay
One shared ledger everyone can see
Split at the moment you pay, not after
Nudges go out automatically — you don't have to ask
One number: what you owe, what you're owed
$0
To split, track and settle. No subscription.
One tap
Settle every group you're in from a single screen.
NZ banks
ANZ, ASB, BNZ, Kiwibank and Westpac supported.
Security & privacy
Your bank stays your bank.
Billy Pay connects to your accounts through Akahu, an accredited New Zealand open banking provider. You grant access in your bank's own flow, you can see exactly what we can read, and you can revoke it at any time.
We never hold your login
Your credentials go to your bank, not to us. Billy Pay only ever receives a revocable access token.
Read-only by default
We read balances and transactions to work out who owes what. Nothing leaves your account without your explicit approval.
You approve every payment
Each settlement is confirmed by you, in-app, with your PIN. There are no standing or automatic debits.
Revoke in seconds
Disconnect a bank from Account settings, or from Akahu's own portal. Access stops immediately.
We don't sell your data
No advertising, no data brokers, no sharing beyond what's needed to run the app. Full detail in our privacy notice.
Encrypted end to end
Data is encrypted in transit and at rest, and access is limited to the people who need it to support you.