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Get paid your money and tips instantly and receive your full paycheck early*! Sign up is free and easy. No fees, interest, credit checks, or membership costs.

Branch makes it easy for workers to grow their finances with a free digital wallet -- in fact, we’re helping them save thousands of dollars per year on overdraft fees, monthly fees, and ATM fees alone.

Hundreds of thousands of workers enjoy the following benefits…

Get Paid Instantly
• Free, fast access to your money, tips, and reimbursements
••• Get paid instantly up to 50% of your paycheck when you need it.*

• Up to two-day early full paycheck
••• Add your paycheck to Branch and get it early.*

Fee-Free Digital Wallet + Debit Card

• Zero-fee digital wallet with Branch’s Mastercard debit card
••• Say goodbye to hidden bank fees, overdrafts and ATM fees.

• Access 40,000+ free ATM’s whenever you need cash
••• Use your debit card across all locations in the United States.

• Contactless payments and instant set-up with Apple Pay & Google Pay
••• Use your debit card immediately after set-up through your phone or Apple Watch.

• Instant refund on gas holds at the pump
••• Forget about those pesky pending gas holds and only charge what you fill.

Pay Bills & Transfer Money Easily

• Move money instantly between your other bank accounts
••• Easily transfer money from a family or a secondary bank account to Branch.

• Pay your bills, subscriptions, and auto-payments.
••• Use your Branch Wallet to pay for recurring bills and auto-payments.

• Lose your card? Block your card instantly in-app
••• Take control and keep your account secure by locking it.

• Feel safe with top rated EMV chip card security
••• Your data is safe and secure with EMV backed chip card and in app pin security.

• Responsive customer support
••• Friendly support from real people available on email, phone, and chat.

Use the funds in your Branch wallet to handle your daily purchases like buying gas, paying your bills, and tackling emergency costs.Branch helps you avoid late fees, overdrafts and credit card debt!
If you have any questions or comments, please reach out to us at support@branchapp.com


*Timing and availability may vary depending on the employer’s deposit schedule.

There is no cost to use the app or Branch debit card. However, you may incur a small fee if you choose to transfer your funds from the Branch account to an external debit card or account instantly.

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.

What’s New

Version 8.40.1

We’re constantly making improvements and creating new features based on user feedback. If something doesn’t look right, email us at support@branchapp.com 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.

Thank you for using Branch!

Ratings and Reviews

4.8 out of 5
44.2K Ratings

44.2K Ratings

NikkiG33 ,

Used to love it, not loving it so much now

I’ve been using Branch for a while now and it’s been great, up unto the last 2 advances. My pay has never changed and I’ve never missed a payment. It has always been consistent. I build up to a 450 dollar advance loan and just recently the last two loans went down to 300 and 227. Nothing has changed, I have the same pay and the same direct deposit schedule. Plus my money on payday, especially on the last direct deposit of the month, it’s when I spend the most because of my mortgage payment. But that never had any issues or has it affected the limit on my advance. I have emailed customer service and basically they told me that they can’t do anything about it because it’s the system that tracks everything. It’s out of their hands. Now that’s incredibly really hard to believe that they can’t do anything on increasing or decreasing the advance. They are the software developer and they can’t do anything about that??? It just doesn’t make sense.

jackl2021 ,

Good Luck using this App if you don’t plan to have your money Direct Deposited through them!

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.

nicc300 ,


I have had the same direct deposits with the same amount and it’s no longer detecting my deposits because I am unable to get the advance. I don’t recommend this service, customer service does not get back to you. I’ve messaged them twice. Once on my own and the second time was a reply to a old support message I had sent to so I can possibly pay the advance back earlier. They got back to mee almost a week after that message which defeated the purpose cause it was just paid in the regular date. I recommend everyone to us Dave! They also give you a bigger advance. Also I’m throwing this branch card in the dumpster cus it’s TRASH.

UPDATE: they now claim I spend all my money on payday which isn’t true because it moved to a credit and savings account. Flawed company and system. The system never detects bank account correctly. I do not recommend anyone use this app. You better off using Dave which gives you a bigger advance and less of a hassle on getting the advance. They also created that trash bank card to steal more money from people who already need extra money so they can profit more off you. It was simple just paying the fee and instant depositing the advance in your account but no, they want to gouge cash. That’s how bad the company is doing.... Very desperate

Developer Response ,

Hi, we sincerely apologize for the delay in response. We have had a large influx of tickets recently and are working as quickly as possibly to assist customers. If you believe our support team was not fully understanding the pay cycle of your direct deposits and would like us to have another look please reach out to support@branhcapp.com.

App Privacy

The developer, Branch Messenger Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

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


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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