Branch: No Wait Pay 4+

Get paid instantly

Branch Messenger Inc.

Designed for iPhone

    • Free

iPhone Screenshots


Your money—faster.

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.

+Pay Bills
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


*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.

What’s New

Version 2024.2.3

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

4.7 out of 5
57.1K Ratings

57.1K Ratings

Keeeee. ,

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.

I. Almiani ,

Perfect service

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!

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 and we would be happy to assist.

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


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