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Family lending offers a different starting point, and Amico is built to make the most of it.

Amico doesn't charge interest on loans. Instead, we help the borrower and lender agree on terms that work for them both.

Amico is an app that helps family and friends lend money to each other properly. From the signed agreement, through to the final repayment.

The majority of people lending to family or friends are not doing it to generate income. Even the highest rates seen on the platform tend to sit around seven or eight percent, still comfortably under the cap Amico allows.

Family lending really comes down to two separate jobs. 1.Documenting the loan. 2.Ensuring the principal and interest repayments actually run!

Amico can't see balances, other accounts, or into your broader financial position. Just what we need to pass the transaction.

Amico has been used to document around eighteen million dollars worth of loans between family and friends.

Amico Document creates the loan agreement itself, and Amico Repay then uses open banking, not old style direct debit authorities, to set up automatic repayments within seconds rather than days.

wtih Open banking, Amico can automatically transfer family loan repayments through your own bank account

We built our loan documents to cover the basics that actually matter: the loan amount, the interest rate if there is one, the term, and the repayment structure

The Bank of Mum and Dad is now one of New Zealand's largest home lenders, with well over 200,000 parents lending billions of dollars together

Your Free family loan checklist: everything to consider before, during, and after lending money to family in NZ.

Managing family loan repayments can be simple and stress-free when payments happen automatically. Here's what you need to know.

Your son or daughter needs help with getting set up for Uni You're happy to help, but you want to do it properly. Most Kiwi parents don't realise: how you structure this help today can have significant consequences years down the track.

Informal family loans can become costly during separations or rest home assessments. Learn why a written agreement protects your family's money from unintended claims.

Should you gift or loan money to family? Learn when each option makes sense, plus a hybrid approach that offers flexibility and protection for everyone involved.

Learn how to address loans in your will and avoid conflict between your children. Should family loans be forgiven when you die or repaid to your estate?

A family loan needs more than a handshake to be legally binding in NZ. Learn the essential elements: written terms, clear amounts, repayment conditions and interest provisions.

Charging interest on a family loan? Learn the NZ tax rules for RWT, zero-interest loans, and debt forgiveness to avoid unexpected IRD issues.

The bank of mum and dad lends over $22.6 billion each year, often informally. Learn why a simple written agreement protects your money, your relationships, and your peace of mind.