Gusto Wallet 4+

Gusto, inc.

    • Free

iPhone Screenshots


Now employees who get paid with Gusto can put their paychecks to work with the Gusto Wallet.

Gusto Wallet helps you earn, save, and spend right within your Gusto account. It’s the easiest way to take control of your financial future.

- Get paid up to two days early with a Gusto spending account*
- Save towards custom goals with autosave
- No minimum balances, account fees, or overdraft fees**
- Get a Gusto debit card for simple spending
- Route your cash with the paycheck splitter
- Easily view paychecks and tax documents
- Clock in and out, review time sheets, and more instantly

We want to make sure you have all the details you need. Here’s some legal info about numbers, who we’re working with, and more:

*With a Gusto spending account, your payment may be processed up to 2 days early. Timing depends on when your employer sends payment funds.
** Some fees, such as out-of-network ATM and foreign transactions fees, may apply. Check the terms and conditions carefully.

Gusto is a payroll services company, not a bank. Gusto savings goals, spending account, and debit card are issued by nbkc bank, Member FDIC.

FDIC insurance is provided by nbkc bank, Member FDIC. Any balances you hold with nbkc bank, including but not limited to those balances held in Gusto accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Gusto accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at

What’s New

Version 2.22.0

Bug fixes and improvements.

Ratings and Reviews

4.8 out of 5
11.8K Ratings

11.8K Ratings

ktfl ,

Super user-friendly!

My company uses Gusto for payroll and I love it. I opened a bank account with them and it’s super user friendly! You can have up to six accounts I believe it is and I have an account for each of my bills and set it up so that it automatically allocates for my bills every time I get paid before depositing my paycheck into my other bank. This way I don’t have to worry or think about overspending money that’s meant for bills as all the money for bills has already been taken out. It’s made managing my finances soo much easier!

old_grouse_herder ,

You have no right to be forgotten with GUSTO

I had to use this app for a brief 3 week temp job as required by the employer. After my job was completed I reached out to GUSTO to delete account. GUSTO conflated keeping tax documents as required by law with my request to delete the account. I then asked GUSTO to provide me the information in the user agreement where they state that once you use their service you may never opt out (including unsubscribing from emails). GUSTO didn't have this information available as it isnt part of the user agreement. So basically your personal tax info etc is open to hacking indefinitely is someone knows your email and can figure out your password. I now have to compel them to fulfill my request possibly by legal means. I would have never had used the app had I known this. Additionally their "customer service" is not located in the US so if anything goes wrong with your paycheck good luck rectifying that. I have sent 7 emails and got nothing but canned gibberish responses which only makes me more concerned about my personal banking and tax info. User beware with this "service" as it is not worth the trouble or risk of identity theft.

Developer Response ,

Thank you for your feedback here and we’re sorry to hear about your experience - We want to make sure you end up with the right team for this issue. Our policy on customer data is in our Privacy Policy, which aligns with industry standards, but if you have any questions/want to exercise these rights, please reach out to us at and we’ll work with you on this.

MrOBrian ,

Helpful when the website is broken

The only reason I got this app is because tax document downloads on the website are broken, and I can’t wait the several business days they say it’ll take just to respond to my support request. Luckily, viewing and downloading of the documents works in this app, but it looks really bad on iPad. Definitely not meant to run on anything but a phone. Also, the login didn’t bring up the normal interface for using a saved password, so with the app open on my iPad and my password open on my iPhone, I had to type out one of those crazy passwords that gets generated when you tell iOS/Safari to generate a strong password. Not sure why the login form wasn’t recognized as something that could be filled in.

This app saved the day when the website was broken, but I doubt I’d use it on a regular basis.

Developer Response ,

Hi there, thank you for sharing this feedback! We're glad Wallet mobile was helpful but are always looking for ways to improve, so our team will be considering this as we continue to build it out. Please reach out to us if you need anything in the meantime.

App Privacy

The developer, Gusto, 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 Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • 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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