Branch: A Better Payday

Name: Branch: A Better Payday
Rating: 4.8 (65333 reviews)
Author: Branch Messenger Inc.

Your money—fast

Only for iPhone

Free · Designed for iPhone

65K Ratings
Ages

4+
Years
Category

Finance
Developer

Branch Messenger Inc.
Language

EN
+ 1 More
Size

100.7
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

4.8

out of 5

65K 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.
Can’t live without this workplace app!
11/29/2018

marypilney
As a district manager of 5 retail stores in the midwest, I've tried a handful of apps for scheduling and engaging our in-store employees. It's been about a year since we started using Branch at our stores and it's been REALLY helpful! 😀 There are some aspects that take getting used to, but our team has really gotten the handle on it now. I know for our manager, it's saved them a pretty significant amount of time when it comes to making their weekly schedules. It also seems like our employees are picking up more shifts since they don't have come in to see open shifts. We began using it only for scheduling but have since started using the chat as well. OMG! Team members are also really excited about Branch Pay!! In the past, we would use GroupMe for communication and another app for scheduling, which was fine but it had its obvious constraints. Our employees do miss some of the features, but this is much more controlled.One of the things worth noting is the hierarchy of user access. This is a new feature compared to the other apps we have used and for me overseeing 5 locations, it has been very handy. I can see which locations have the lowest rates of absenteeism and I even can somewhat get a radar on turnover. This is huge for us. The managers have full view of their locations and the attendance of their employees. They had some questions early on with uploading the picture of the schedule, but now they are also able to build the schedule with the desktop version. The communication piece has been useful for communicating with all our employees regarding announcements or updates. All in all, it has been so solid and we don't know where we would be this holiday season without it!!!

Developer Response
Mary, thank you so much for your positive review of the Branch app. We are so happy to have power users and advocates on our app, and we come to work everyday to serve people like you. We would love to hear more from you regarding how Branch has positively impacted your workplace so that we can continue to do the same well into the future, and for other members of the hourly workforce! Please reach out to us at hi@branchmessenger.com to share any further thoughts or ideas you might have :) Best, -The Branch Team
Can’t live without this workplace app!
11/29/2018

marypilney

As a district manager of 5 retail stores in the midwest, I've tried a handful of apps for scheduling and engaging our in-store employees. It's been about a year since we started using Branch at our stores and it's been REALLY helpful! 😀 There are some aspects that take getting used to, but our team has really gotten the handle on it now. I know for our manager, it's saved them a pretty significant amount of time when it comes to making their weekly schedules. It also seems like our employees are picking up more shifts since they don't have come in to see open shifts. We began using it only for scheduling but have since started using the chat as well. OMG! Team members are also really excited about Branch Pay!! In the past, we would use GroupMe for communication and another app for scheduling, which was fine but it had its obvious constraints. Our employees do miss some of the features, but this is much more controlled.One of the things worth noting is the hierarchy of user access. This is a new feature compared to the other apps we have used and for me overseeing 5 locations, it has been very handy. I can see which locations have the lowest rates of absenteeism and I even can somewhat get a radar on turnover. This is huge for us. The managers have full view of their locations and the attendance of their employees. They had some questions early on with uploading the picture of the schedule, but now they are also able to build the schedule with the desktop version. The communication piece has been useful for communicating with all our employees regarding announcements or updates. All in all, it has been so solid and we don't know where we would be this holiday season without it!!!
Developer Response 12/03/2018
Mary, thank you so much for your positive review of the Branch app. We are so happy to have power users and advocates on our app, and we come to work everyday to serve people like you. We would love to hear more from you regarding how Branch has positively impacted your workplace so that we can continue to do the same well into the future, and for other members of the hourly workforce! Please reach out to us at hi@branchmessenger.com to share any further thoughts or ideas you might have :) Best, -The Branch Team
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!
waste of time, money, and resources
12/15/2021

clfgn
tech people are adamant in getting their grubby little hands in every facet of our lives. what was so hard about a human being handing another human being their wages? why do i need a new card and a new app to get THIS money as opposed to the other checks i get every month? a check goes straight into your bank account. simple. you opened a bank account at a bank that you can walk into and there’s people inside who are there to help you. you get roped into this crap by your employer. say, they give you this card for your tip wages. you work in the service industry because you walk out with money every day. not anymore. now you can pay some bank you didn’t ask to be affiliated with a convenience fee to get it now, or you can wait 3-5 days when it used to take less than 30 seconds to see the money that other people just gave to you. now, one could say “blame the employer;” that’s easy enough for someone like me to do. however, i gotta set my sights on the tech companies, whose whole game is raising insurmountable funds in order to insert themselves between you and your life. for profit. this is to say—i think it’s more likely some jerk told your boss that this would be a good idea, than it is that your boss came up with the idea on his own. i’ve been around a long time: your boss isn’t imaginative enough to think about something like this. the “imaginative” ones among us—unfortunately—are hucksters in the tech industry, convincing your boss that opening new bank accounts in his employees’ names is a great idea.

Developer Response
With every new app version we are introducing new features and improving existing ones. We are sure that your feedback will only help us improve further. If you need any assistance or further information please contact us at support@branchapp.com.
waste of time, money, and resources
12/15/2021

clfgn

tech people are adamant in getting their grubby little hands in every facet of our lives. what was so hard about a human being handing another human being their wages? why do i need a new card and a new app to get THIS money as opposed to the other checks i get every month? a check goes straight into your bank account. simple. you opened a bank account at a bank that you can walk into and there’s people inside who are there to help you. you get roped into this crap by your employer. say, they give you this card for your tip wages. you work in the service industry because you walk out with money every day. not anymore. now you can pay some bank you didn’t ask to be affiliated with a convenience fee to get it now, or you can wait 3-5 days when it used to take less than 30 seconds to see the money that other people just gave to you. now, one could say “blame the employer;” that’s easy enough for someone like me to do. however, i gotta set my sights on the tech companies, whose whole game is raising insurmountable funds in order to insert themselves between you and your life. for profit. this is to say—i think it’s more likely some jerk told your boss that this would be a good idea, than it is that your boss came up with the idea on his own. i’ve been around a long time: your boss isn’t imaginative enough to think about something like this. the “imaginative” ones among us—unfortunately—are hucksters in the tech industry, convincing your boss that opening new bank accounts in his employees’ names is a great idea.
Developer Response 12/19/2021
With every new app version we are introducing new features and improving existing ones. We are sure that your feedback will only help us improve further. If you need any assistance or further information please contact us at support@branchapp.com.

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 2026.2.2

3d ago

Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supported Features
- VoiceOver
- Voice Control
- Larger Text
- Dark Interface
- Differentiate Without Color Alone
- Sufficient Contrast
- Reduced Motion