With Branch, you get instant access to the money you’ve already earned—whether it’s wages, tips, mileage reimbursements, or more.
How it works: Branch is a free digital wallet that your company uses to pay you. They can push funds to you faster (as quickly as after each shift or job) and you can also request pay advances from upcoming paychecks.*
Order a physical Branch Card to start using your funds immediately. You can also use the virtual debit card that comes with your Branch app as soon as you connect it to Apple Pay or Google Pay.
Ready to work and get paid the same day?
Once the money’s in your Branch Wallet, you can:
+Save, send, or spend
Keep your money in the Branch Wallet and watch it grow.
Send your money to external bank accounts for free**—we don’t get jealous.
Use your Branch Card to shop online, pay for gas & groceries, and get free cash at more than 55,000 ATMs—anywhere Mastercard is accepted.
It’s your money—you’ve earned it.
With Branch, you can…
+Get Paid Faster
Branch pushes money into your wallet the moment your company pays you. No more waiting for bank delays or paper checks.
+Create Your Own Payday
When an unexpected bill pops up before payday or you just need money now, Branch is there. Take an advance of up to 50% of your earned wages ahead of time if needed.
+Enjoy Zero-fee Banking
The Branch Wallet comes with zero fees, so you can say goodbye to overdraft charges, ATM fees, and other hidden bank fees.
+Gain Peace of Mind with Card Security
Easily lock/unlock your card for an added layer of security.
Use your Branch Wallet or card to pay for recurring bills, subscriptions, and auto-payments.
+Transfer Money Easily
Instantly move money between other bank accounts.
+Pay On the Go
Contactless payments are easily enabled through Apple Pay or Google Pay.
+Sign Up in 90 seconds
Start getting paid right away. Need help? Our responsive customer support (from real people!) can help you via email, phone, or chat.
If you have any questions or comments, please reach out to us at email@example.com
*Timing and availability may vary depending on the company’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.
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!
Ratings and Reviews
A Serious Relief
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.
So fed up with this app
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.
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 firstname.lastname@example.org and we would be happy to assist.
Data Linked to You
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- Financial Info
- Contact Info
- User Content
- Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Branch Messenger Inc.
- 78.7 MB
- Requires iOS 14.0 or later.
- iPod touch
- Requires iOS 14.0 or later.
- Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
- Age Rating
- © Branch Messenger Inc.
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