Branch: A Better Payday

Name: Branch: A Better Payday
Rating: 4.7 (64130 reviews)
Author: Branch Messenger Inc.

Your money—fast

Only for iPhone

Free · Designed for iPhone

64K Ratings
Ages

4+
Years
Category

Finance
Developer

Branch Messenger Inc.
Language

EN
+ 1 More
Size

96.7
MB

iPhone

Welcome to a better payday. One with fast, flexible payout options for your earnings—whether that’s wages, tips, mileage reimbursements, direct deposit, or more. When your company offers Branch, you can receive a free digital bank account and debit card that you can take with you for life, plus free financial wellness tools right at your fingertips. And it’s all possible through our simple, 90-second signup. With your Branch account and card, you can save, spend, or send earnings however you like. SAVE Keep your money securely in the Branch digital wallet; with a dedicated Savings Goal feature you can even set aside funds for specific financial goals. SEND Send your money to external bank accounts if needed, or to peers by connecting other P2P apps. SPEND Use your Branch Card to shop in-person or online, pay for gas and groceries, and get cash for free at more than 55,000 ATMs. With Branch, you can… +Get Fast, Flexible Access to Your Earnings Branch pushes money into your account the moment your company pays you. No more waiting for bank delays or paper checks. +Create Your Own Payday If your employer opts in to earned wage access, you can advance up to 50% of your earned wages on-demand to cover unexpected expenses. +Enjoy Fee-Free Banking Options Say goodbye to overdraft charges, in-network ATM fees, and other hidden bank fees. +Access Free Financial Wellness Tools Earn cash back rewards on everyday spending, set aside funds for your unique savings goals, see personalized spending insights, and more. +Pay Bills Use Your Branch Card or digital wallet to pay for recurring bills, subscriptions, and automatic payments. +Transfer Money Easily Quickly move money between other bank accounts when needed. +Pay On the Go Contactless payments are easy to use by enabling Apple Pay or Google Pay. Sign up in 90 seconds or less and start accessing your earnings right away. Need help? Our responsive customer support (from real people!) can help you via phone or in-app chat. Banking Services provided by Evolve Bank & Trust, Member FDIC. The Branch Mastercard Debit Card is issued by Evolve Bank & Trust pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.

Ratings & Reviews

4.7

out of 5

64K Ratings

A Serious Relief
09/16/2021

Keeeee.
I switched to Branch after my job started offering it. It’s simple, and convenient. I love that (for my job) there aren’t any fees to take an advance. I also like that the advance comes out of next week’s paycheck and not the current week’s paycheck (other apps take it from the current week’s check, which sometimes puts me in a similar financial bind that causes me to borrow each week until I bounce back). I like having the extra time to be able to pick up extra hours or work a little on my side job to balance out what I’ve borrowed. Transferring from Branch to my bank is simple enough, and the instant transfer fee is reasonable. I enjoy having a plan B for unexpected expenses or to prevent over-drafting my bank account… and Branch is NOT predatory like some other services/apps out there (in my experience). I’ve had absolutely no issues with Branch. I like this service much more than competitors and will not be switching back.My only suggestion is to give an option to advance pay directly to my bank account. I totally get that the Branch account/card has its purpose for some folks, but for me the extra steps are unnecessary. If I could opt-in to pay the instant transfer fee on the same screen that I sign up for the advance, and then it all be done in one tap, that would be perfect.
A Serious Relief
09/16/2021

Keeeee.

I switched to Branch after my job started offering it. It’s simple, and convenient. I love that (for my job) there aren’t any fees to take an advance. I also like that the advance comes out of next week’s paycheck and not the current week’s paycheck (other apps take it from the current week’s check, which sometimes puts me in a similar financial bind that causes me to borrow each week until I bounce back). I like having the extra time to be able to pick up extra hours or work a little on my side job to balance out what I’ve borrowed. Transferring from Branch to my bank is simple enough, and the instant transfer fee is reasonable. I enjoy having a plan B for unexpected expenses or to prevent over-drafting my bank account… and Branch is NOT predatory like some other services/apps out there (in my experience). I’ve had absolutely no issues with Branch. I like this service much more than competitors and will not be switching back.My only suggestion is to give an option to advance pay directly to my bank account. I totally get that the Branch account/card has its purpose for some folks, but for me the extra steps are unnecessary. If I could opt-in to pay the instant transfer fee on the same screen that I sign up for the advance, and then it all be done in one tap, that would be perfect.
Perfect service
05/03/2023

I. Almiani
I have been using the Branch account for more than a year without any problem, a wonderful and easy-to-use application, and an ATM card that I use on a daily basis and for all my purchases, as well as withdrawing money from the account from CVS Pharmacy located directly opposite my place of residence.A few days ago, I was deceived by a person who claimed to be a spark customer service agent who obtained information from me - while acting like he was verifying my account- that enabled him to enter my account, change and update the info on the account and transfer money to his account. I immediately contacted Branch's technical support and informed them of the matter. The company sent me an email telling me that they had froze the account and withheld the funds and the ATM card, and issued a new card that would that I would receive in the coming days. The next day, they sent me a message that my account is secured and advised me to log in , change the password, and then return the correct any info or data that was changed by the person who hacked into the account. Today, the stolen amount was returned to the account.Thank you very much Branch

Developer Response
We are happy to hear that you had a great experience with our support team during a difficult situation! We really appreciate the five-star review! Thank you!
Perfect service
05/03/2023

I. Almiani

I have been using the Branch account for more than a year without any problem, a wonderful and easy-to-use application, and an ATM card that I use on a daily basis and for all my purchases, as well as withdrawing money from the account from CVS Pharmacy located directly opposite my place of residence.A few days ago, I was deceived by a person who claimed to be a spark customer service agent who obtained information from me - while acting like he was verifying my account- that enabled him to enter my account, change and update the info on the account and transfer money to his account. I immediately contacted Branch's technical support and informed them of the matter. The company sent me an email telling me that they had froze the account and withheld the funds and the ATM card, and issued a new card that would that I would receive in the coming days. The next day, they sent me a message that my account is secured and advised me to log in , change the password, and then return the correct any info or data that was changed by the person who hacked into the account. Today, the stolen amount was returned to the account.Thank you very much Branch
Developer Response 05/08/2023
We are happy to hear that you had a great experience with our support team during a difficult situation! We really appreciate the five-star review! Thank you!
Good Luck using this App if you don’t plan to have your money Direct Deposited through them!
04/13/2021

jackl2021
This app is such a mess now that they have “updated” or whatever they call it. I have consistently used the same debit card as my external method of payment for over a year with the company. The company ADMITTED they were having issues with Plaid AND anyone who had Bank of America. I was no different. So when they went to collect my instant repayment, the Plaid issue caused them to have to use an ACH withdrawal from my account versus repay from the debit card. I have contacted support 900 times after I have not been able to take another instant because Branch placed a block on my card because the ONE time they had an issue pulling my payment back with the card. Mind you they were still able to collect the money using the ACH method. Now supports excuse (and I guarantee you will be the company reply to this comment) will say “oh we had some updates and we just must (all of a sudden) not accept your debit card due to verification issues” OR their other favorite “to prevent this hassle please set up your direct deposit with us there are lots of benefits” So in turn they are forcing me to sign up for direct deposit in order to use instant pay ever again. If you don’t believe me check back for the company’s response once they respond to my review!

Developer Response
Hi, we sincerely apologize for the inconvenience this may have caused. To provide some clarity here, because of the way our system is designed, we're only able to track one source of income as we can only track one pay cycle. In addition, our system looks for a clear and consistent pattern with your direct deposits. This ensures we can accurately predict your next payday. If you received your direct deposit earlier one month, this can throw off your typical pay cycle. Again, we're very sorry for any frustration this may have caused. If you have any further questions please reach out to support@branchapp.com and we would be happy to assist.
Good Luck using this App if you don’t plan to have your money Direct Deposited through them!
04/13/2021

jackl2021

This app is such a mess now that they have “updated” or whatever they call it. I have consistently used the same debit card as my external method of payment for over a year with the company. The company ADMITTED they were having issues with Plaid AND anyone who had Bank of America. I was no different. So when they went to collect my instant repayment, the Plaid issue caused them to have to use an ACH withdrawal from my account versus repay from the debit card. I have contacted support 900 times after I have not been able to take another instant because Branch placed a block on my card because the ONE time they had an issue pulling my payment back with the card. Mind you they were still able to collect the money using the ACH method. Now supports excuse (and I guarantee you will be the company reply to this comment) will say “oh we had some updates and we just must (all of a sudden) not accept your debit card due to verification issues” OR their other favorite “to prevent this hassle please set up your direct deposit with us there are lots of benefits” So in turn they are forcing me to sign up for direct deposit in order to use instant pay ever again. If you don’t believe me check back for the company’s response once they respond to my review!
Developer Response 02/26/2021
Hi, we sincerely apologize for the inconvenience this may have caused. To provide some clarity here, because of the way our system is designed, we're only able to track one source of income as we can only track one pay cycle. In addition, our system looks for a clear and consistent pattern with your direct deposits. This ensures we can accurately predict your next payday. If you received your direct deposit earlier one month, this can throw off your typical pay cycle. Again, we're very sorry for any frustration this may have caused. If you have any further questions please reach out to support@branchapp.com and we would be happy to assist.
So fed up with this app
08/30/2020

Alex T. Cross
After my last pay cycle I was able to get an advance a couple of days later. The next day I noticed my daily balance notification hadn’t updated. Went into the app and it said I couldn’t get an advance because my direct deposit wasn’t detected, which was fine. Didn’t need one. But I did put in a ticket. That was almost two weeks ago and I still can’t get one. Since then I’ve submitted five tickets and I don’t get a response and it’s still not resolved. I’m betting they will take the payment tomorrow for the advance I received. If you can’t detect my direct deposits that are clearly showing on the app then you shouldn’t be able to detect my upcoming pay and not take the money out of my account. This is the worst app I’ve ever used for ANYTHING. After this payment is made, I’ll be deleting the app and spreading the word on ever platform I can to worn others not to deal with Branch. Go to Earnin folks. They have live chat and will get your issues settled in 48 hours or less. P.s. you may not be able to see this message long. The last two reviews I posted were deleted.
So fed up with this app
08/30/2020

Alex T. Cross

After my last pay cycle I was able to get an advance a couple of days later. The next day I noticed my daily balance notification hadn’t updated. Went into the app and it said I couldn’t get an advance because my direct deposit wasn’t detected, which was fine. Didn’t need one. But I did put in a ticket. That was almost two weeks ago and I still can’t get one. Since then I’ve submitted five tickets and I don’t get a response and it’s still not resolved. I’m betting they will take the payment tomorrow for the advance I received. If you can’t detect my direct deposits that are clearly showing on the app then you shouldn’t be able to detect my upcoming pay and not take the money out of my account. This is the worst app I’ve ever used for ANYTHING. After this payment is made, I’ll be deleting the app and spreading the word on ever platform I can to worn others not to deal with Branch. Go to Earnin folks. They have live chat and will get your issues settled in 48 hours or less. P.s. you may not be able to see this message long. The last two reviews I posted were deleted.

We’re constantly making improvements and creating new features based on your feedback. If something doesn’t look right, contact our support team through the app and we’ll take care of it ASAP. Here’s the latest round of updates we’re excited to share with you: • Bug fixes and performance improvements. Thanks for using Branch!

Version 2025.11.0

1d ago

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The following data may be collected and linked to your identity:
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