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Get paid your earned wages and tips instantly, access zero-fee banking, get your full paycheck up to 2 days early!

Branch makes it easy for members to grow their finances with a free mobile 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 members enjoy the following benefits…

Instant Access to Earned Wages and Tips (available to select employers)

• Free instant access to earned wages, tips and reimbursements
••• Get paid instantly up to 50% of your paycheck when you need it.*

• Up to two-day early full paycheck
••• Switch your direct deposit to Branch and get your full paycheck early.**

Zero-Fee Debit Card Banking

• Zero-fee bank account 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.

• Instant refund on gas holds at the pump
••• Forget about those pesky pending gas holds and charges from traditional banks.

• 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.

Know & Grow Your Budget and Finances

• Real-time transaction and balance notifications
••• Get alerted every time your card is used and stay up to date.

• Easily monitor, budget and save your hard earned money
••• Track your spending habits and get alerts when your balance is low.

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

• Seamlessly update your recurring bills and auto-payments
••• Make Branch your primary account and get rewarded.

• 24/7 helpful and responsive customer support
••• Friendly support from real people that care about growing your personal

Unlike other financial apps and traditional banking institutions, we have no required fees, interest, credit checks or hidden membership costs.***

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 about a better banking experience, please reach out to us at support@branchapp.com


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.

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

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 8.29

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:
• Bug fixes and performance improvements.

Thank you for using Branch!

Ratings and Reviews

4.8 out of 5
42.8K Ratings

42.8K Ratings

AzianKiRo ,

So it was a 5 until it became a premium feature...

So I was using the app for specifically using the schedule upload so I could see my schedule. My first go around I was at another store with a small crew and I got 90% of them on to add it. Now I’m at another store and I have been trying to get my crew to add it. But either I get told they don’t have the room or they have a set schedule. We also have too much people come and and go. I would understand getting your paycheck early would be a premium feature and maybe editing/swapping shifts.... I would try to get my bigger boss to get this but they already started using a different app. And the only way you can get premium is to contact the team? Too much work for just one person to use. If there was option/setting that showcased different memberships like 99 cents a week for the schedule upload (that I might consider), $4/week for everything, etc... I would consider staying. Other than that gripe, it is a good app for company/store who want to actively stay in contact with your employees... but if you are individually just getting it. Pointless.

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.

Hailee Michelle ,

Not practical in today’s climate

This app is getting lower and lower on my list for its usefulness in payday advances. It seemed reliable at first but long term, especially in our current climate it is not feasible (for me atleast). They really can’t help with much on their end so don’t look for it. There’s no payment extensions available ever regardless if you have a good history with them and regardless of covid. And it will automatically pull from your account regardless of your available funds unlike MoneyLion and Dave that wait until they can take the full payment. God forbid you get one overdraft fee ..you won’t be able to get an advance for 30 days. Even if your bank refunds the overdraft fee and even if the overdraft fee was a result of something non preventable and unforeseen they do not care. What’s crazy is even if you’ve been paid and your account is positive you still have to wait 30 days. Support is always less than helpful simply saying there’s nothing they can do. I’ll stick with MoneyLion and Earnin .

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


Branch Messenger Inc.
91.9 MB

Requires iOS 13.0 or later. Compatible with iPhone, iPad, and iPod touch.


English, Arabic, French, German, Italian, Japanese, Portuguese, Spanish

Age Rating
This app may use your location even when it isn't open, which can decrease battery life.


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