Spentra 4+

A complete pay access solution

Spentra, LLC

    • 4.7 • 130 Ratings
    • Free

iPhone Screenshots


A complete pay access solution designed to improve financial stability. Get early access to earned wages anytime, anywhere.

The Spentra Mastercard® Payroll Card featuring Money Earned® is an employer-sponsored benefit. It was designed from the ground up to provide an employee with a better option to get and manage their pay.

Money Earned® is our proprietary patented product that allows you instant access to up to 50% of your already earned net wages in advance of your paycheck date. If your employer already offers the Spentra Card just download the app, request your card, and begin to manage the money you know you have. If your employer does not currently offer the Spentra Card, just have them contact us at info@spentra.com and we will be glad to make that happen.

Take control of your money and align what matters to you…today.


• Enroll and manage your card directly from the Spentra app
• Instant transaction alerts* anytime you use the Spentra Card
• Block and unblock your card directly from the app
• Interactive surcharge-free ATM finder from the app
• Over 55,000 surcharge-free Allpoint ATMs
• No fee for the card
• No monthly maintenance fees
• No minimum balance fees/requirements
• No ACH deposit fees
• Friendly and responsive customer support
• FDIC insured up to $250,000 through Patriot Bank, N.A., Member FDIC
• Our patented benefit - Money Earned®

*Standard message and data rates from your wireless service provider may apply.

The Spentra Mastercard® Payroll Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Consult your Cardholder Agreement and the Fee Schedule for fees, terms, and conditions associated with the approval, maintenance, and use of the Card. The Card may be used everywhere Mastercard debit cards are accepted. Restrictions apply; see Cardholder Agreement for details. Spentra Card is not offered in New York.

The Money Earned® feature provided by Spentra, LLC is not sponsored, endorsed, administered by, or associated with Patriot Bank, N.A. who has no liability in relation to the service.

What’s New

Version 11.7.0

We update the app regularly so we can make it better for you. The latest version contains bug fixes, usability, and performance improvements.

Ratings and Reviews

4.7 out of 5
130 Ratings

130 Ratings

Mr JoEdFer ,

One Great Card

So I thought I’d come back after over 3 years of using my Spentra card and comment on my experience. I have been extremely please with this cards performance and the people working to make it so seamless. The ease of use on pushing some of my earnings when needed is awesome. I love being able to lock and unlock the card so quickly and that gives me one heck of a sense of security with my money. Love it! So thanks to all for such a great card!

john c3 ,

Awesome card!

This card is ideal, it allows me to get my money before “payday” which is when I often need it.....no more late charges : )
The block feature allows me to simply turn my card on and off at the touch of a button. This make me feel so much better just know that my card is protected.
Thank you Spentra!

Cjanw65 ,

Best thing since sliced bread

Man what an awesome benefit my employer offers their employees with the Spentra card. The ability to take a portion of my paycheck before i even get paid. I know I’m not the only person in the U.S. living paycheck to paycheck and sometimes that rent is due before payday comes around. This card has helped me so much just “getting through the week”. A real lifesaver.

App Privacy

The developer, Spentra, LLC, 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
  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Diagnostics

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

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