Instant Financial 4+

PayHero Inc.

    • 4.6 • 8.2K Ratings
    • Free

iPhone Screenshots


Only available at employers offering Instant.

For verified employees who are paid by Instant, the Instant Financial app gives you daily access to your earned wages and/or tips for free.

Connect your Instant card with your Instant account to receive your wages and/or tips, make in-store and online purchases, and withdraw cash from any ATM. Use the Instant app to receive important notifications, claim Instant Pay offers, check your real-time balance and view your recent activity, find the nearest ATM for free cash withdrawals, and transfer your money to your bank account.

Instant puts you in control over how you get paid.

1. Create an Instant account with your email address and password
2. Enter your personal information for verification purposes
3. Pair the Instant card you received from your manager by scanning the barcode to the right of your Instant card on your welcome letter (the paper your card was glued on)
4. Find your employer and add a job
5. Once you’re verified, you’ll receive your daily earned wages and/or tips daily right to your Instant card

• Pair a new or replacement Instant card to your Instant account
• Get notified when Instant Pay offers are available
• Get notified when you’ve been paid your Instant Pay, the balance of your Net Pay, or Tips
• Receive your daily wages and/or tips directly to your Instant card and have immediate access to your money
• Check your account balance and review your latest account activity
• Find the nearest ATM for free cash withdrawal across the MoneyPass ATM Network (US) or the Exchange ATM Network (Canada)
• Freeze and unfreeze your card in case your card is lost or stolen
• Transfer money to another bank account - one-time transfers and scheduled recurring transfers
• Receive support via email, chat, or phone call
• Update your personal information in the app
• Pay your bills (in Canada only, US coming soon)

At Instant, we don’t believe in charging you fees to receive, spend, or access your money. We only charge avoidable fees, such as a 90-day inactivity fee or an off-network ATM withdrawal fee.

For a comprehensive list of fees, please refer to our US Cardholder Agreement ( or our Canadian Cardholder Agreement (

Please be aware that some merchants, such as gas stations, restaurants, hotels, and car rental agencies, may place a temporary pre-authorization hold to ensure your card is valid and that there are sufficient funds on the card to cover the final amount. Holds are usually removed and released back to your card when the transaction is completed within 5 days or sooner. Some merchants, such as hotels and car rental agencies, have pre-authorization holds that can last up to 45 days.

Please be aware that bank transfers made before 1PM ET can take up to an estimated 2 business days to process and appear in the destination bank account.

Bank transfers made after 1PM ET will take up to an estimated 3 business days to process and appear in your destination bank account.

Need your money sooner? Visit an ATM to withdraw your cash and deposit it into your bank account the same day.

Please note, you can only load your Instant card through wages, tips, or reimbursements received from your employer.

• FAQ:
• Chat Support: Tap on the menu icon, tap on “Help”, and tap on “Chat With Support”
• Email Support:
• Phone Support: Call the number on the back of your card

What’s New

Version 1.6.10

Bug fixes and performance improvements

Ratings and Reviews

4.6 out of 5
8.2K Ratings

8.2K Ratings

cherish marie sabotta ,

It’s good!

I had just recently gotten this card, after our other cards had expired. And I have to say, this is significantly better than the other card. But with a few drawbacks in my opinion. One is that they give you the money that you earned, durning the shift that you had just worked. Like I like that they are always adding money onto the card, but it just makes me want to use it. And that money always goes toward our next checks. However! I do like that they give u an option for whether or not you want to take it. Another draw back, that I have not yet experienced, but have heard from other people, is that if your card has less than 400 dollars on it, there is a 5 dollar fee. Now that I don’t understand. If there is anyway I could get an explanation for that, I would be grateful. Well, thanks for hearing me rant on and on about it. I hope you see my message, and I hope to hear from you soon!

Developer Response ,

Hi there, we're glad to hear you're liking Instant so far! It can be an adjustment to get used to the new way you can access your funds - here is an article to help support good savings habits - With regard to what you heard about a minimum balance - that is not correct! Any fee is listed in your cardholder agreement which can be accessed when you are logged into your App from the Help screen. No hidden fees, they're all available for you to reference there. If you have any more program questions, please get in touch with our Support team by chat through the Help screen of the app.

Former TD Bank user ,

Intentionally misleading

Update 2: 3rd or 4th interruption to daily use in less that 3 months.... can't use card, add money or check balance and right near Christmas too.... this really has me considering a new job just to get away from this card.
Update: I saw your response, which was way late. Ironically you all fixed the issue within hours of me calling you out on the applications nonsense. Still seems like a temporary intentional ploy to get people to over spend that you fixed after someone called you out on it. Furthermore I shouldn't have to jump through hoops to get my balance IE the app should work consistently. Keep it right the first time and stop messing with people's money. Still do not recommend this app or company. Leaving my old review as is. If your job requires this: pick a new job
Old review:
The app used to update your balance every time you opened it. Now it will only tell you the balance as of the last time you received pay. If you withdrawal it remains the old balance setting you up to overdraw your account and pay fees. Seems pretty deliberate and like they set you up to fail. Actually considering changing jobs not to be stuck with this misleading system. Just seems very intentional that they want you to overdraw.

Developer Response ,

Hi there, it sounds like the app isn't working quite right - please follow the instructions here to bring performance back up again! In the mean time, you can always check your balance by calling the number on the back of your card and following the prompts for an automated read out of balance and recent transactions.

CocktailsAreMyArt ,

The Only Thing Worse Than This Company Is The App They've Created

My employer recently announced that they were offering (actually they didn't offer us the service, they just made it the only way to access our earnings). It was presented as a decision made by corporate solely to benefit it's employees. Instant access to our tips with any fees or headaches. None of us were excited about the introduction of the service this week. However, based on the literature we were provided, it seemed like it might not be a terrible idea. We were very wrong. First of all, the app it's self is slow, buggy & generally not well crafted. Most importantly, the promised lack of fees and quick/easy access to our $, turned out to be a joke. Transferring $ to an actual bank account can take over a week. Using the provided Visa Instant Financial card in an ATM to withdraw funds, results in a fee from both Instant Financial & my bank($2.50 from Instant & $3.00 from BOA). Yes, I'm sure their are some fee-free ATM's as they state, how can Bank of America's ATM's & most other machines owned by major financial institutions not be in their network? The only people benefiting from the services provided by Instant Financial, are Instant & the companies who force their employees to use those services.

Developer Response ,

Thanks for your candid views on Instant - we listen to the good, the bad and the ugly and use all of it to make our products and services better. I want to provide you with some facts about our system so that you can make the most of it. Transfers: Expect them to take two business days but remember that weekends are not considered business days, so a transfer that is initiated on Friday could take until Tuesday to arrive in your account. We are working on ways to speed this free service up. Note that when making a transfer, the Instant app shows you when your money will arrive based on when you send it. Or if you prefer, you can initiate a transfer by telling the app when you want your money to arrive, and the app will send your money on the right day to ensure your it arrives on time. Not bad. Next - ATM fees: We have an ATM finder in our app that you can access from the Help section. It will show you all the no-fee the ATM's that are close to you. Since there are over 33,000 of them there is no reason you should ever pay a fee to take out your cash. We hate fees. We appreciate your feedback and will continue to work hard to make Instant the best way to receive your hard earned pay!

App Privacy

The developer, PayHero 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 Not Collected

The developer does not collect any data from this app.

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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