Works with any lender
Your bank doesn't matter. Your debt does.
No bank connection needed. Add your loans manually and see everything in one place, regardless of who you bank with.
Why it doesn't matter who you bank with
Most financial apps connect to your bank — which means they only work with the banks they've built integrations for, and they can only see what your bank shares. If you have a car loan with MTF Finance and a mortgage with ANZ, most apps can't see both. Owly can, because it doesn't connect to any bank. You enter your loans manually, which means any lender in New Zealand is supported — the big five banks, non-bank lenders, finance companies, even your credit union.
What it looks like in practice
First home buyer
Emma just bought her first home with an ANZ mortgage. She's also carrying an ASB credit card she's been chipping away at. Owly shows her exactly what both are costing her daily, which to pay off first, and when she'll be debt-free.
ANZ mortgage
$480,000 @ 5.49% · 2yr fixed
ASB credit card
$4,200 @ 20.95%
Student loan
$12,000 @ 0%
Total debt
$496,200
Daily interest
$75 / day
Pay off first
Credit card
Property investor
James owns two rentals with BNZ mortgages split across different fixed terms, plus a car loan through MTF Finance. Owly brings all three together in one dashboard so he can see the full picture.
BNZ mortgage (Rental 1)
$320,000 @ 5.29% · 1yr fixed
BNZ mortgage (Rental 2)
$280,000 @ 5.49% · 2yr fixed
MTF Finance car loan
$18,500 @ 12.9%
Total debt
$618,500
Daily interest
$93 / day
Next refix
47 days
Example dashboards — your numbers will look different.
Every major NZ lender covered
ANZ
NZ's largest bank, with the biggest mortgage book in the country and the widest branch and ATM network.
ASB
Winner of Canstar's 2025 Bank of the Year for Home Loans, known for its digital banking experience and the goMoney app.
BNZ
Home of TotalMoney, NZ's best-known offset mortgage, which helped customers save $200 million in interest in 2024.
Westpac
One of NZ's big four banks, with over 1.5 million customers and a full range of fixed, floating, and revolving credit home loans.
Kiwibank
100% NZ government-owned, B-Corp certified, and the only major bank whose profits stay in New Zealand.
MTF Finance
NZ's largest non-bank car and personal lender, with 50+ branches nationwide.
UDC Finance
Vehicle and asset finance, widely available through car dealerships across NZ.
Heartland Bank
NZ's leading reverse mortgage specialist, with over 28,000 customers, plus car loans and home loans.
If you owe money on it, Owly can track it.
Common questions
Does Owly connect to ANZ, ASB, BNZ, Westpac or Kiwibank?
Owly uses manual entry by design — you add your loan details yourself rather than connecting to your bank. Your data is stored securely in Owly and never shared with your bank or any third party without your permission. There's no open banking feed and no bank login required.
Can I track loans from MTF Finance or UDC in Owly?
Yes. Because Owly uses manual entry rather than bank feeds, it works with any lender — banks, finance companies, credit unions, or anything else. If you have a balance and an interest rate, Owly can track it.
What types of loans can I track?
Mortgages (fixed and floating), credit cards, car loans, personal loans, student loans, hire purchase, business loans, and revolving credit facilities.