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, spend, and borrow 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 2.0.63

Bug fixes and improvements.

Ratings and Reviews

4.9 out of 5
6.2K Ratings

6.2K 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!

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.

hdkskansjwnbxbdjfnsm ,

Easily the most frustrating part of my work day

Is when I have to clock in and out using Gusto Wallet. My company switched from Tsheets earlier in the year and I lament that change everyday. The app takes forever to load even when wifi signal is strong but working in a shop with steel beams and metal siding wifi signal doesn’t travel that well. I have a wifi booster right beside my station, but even when Im in the same room as the router I often find myself watching that sanctimonious little porker trot in place while I wait for this barebones app to load. Besides that, the app will often not recognize when I clock out which creates payroll issues because every so often I’ll open the app in the morning to find that its kept me logged in from the day before. Lastly, Im not interested in some app-centric bank account or cash card, but there is no way to get rid of the two ad bubbles advertising the card and bank account.

Developer Response ,

Hi hdkskansjwnbxbdjfnsm! We’re sorry to hear about your experience with the page loading speed to track your time on the Gusto Wallet app. We’re happy to investigate this issue further and hopefully quickly resolve this for you. I will absolutely make sure that your in app ad feedback is passed along to the appropriate teams so that we can continue to improve our product and services. Please get in touch with us by emailing so we can investigate the issue you are experiencing!

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 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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