Spentra

Spentra, LLC

About this app

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 [e-mail] and we will be glad to make that happen.

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

MANAGE AND ENJOY YOUR SPENTRA ACCOUNT

• 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.

Ratings and reviews

At first I had no issue using this card. But after they closed my account with $600+ on it, it has been horrible to get my money back. 2 months later calling them about the issue & I still have yet to see the refund check they said they'd send me. I've called 2x or once a week, & they don't care. This company has robbed me of my hard earned money. Terrible customer service that keep sending me in circles with no resolve.

My issue is not really with the app rather with the customer service. I find them rude and uninterested in my issues. This opinion is based on several calls with them. I just think the customer service associates at unfriendly, not knowledgeable and slow. Sadly that blessed over to the app itself.

Loved th app at first was extremely helpful especially when life happens and had the ability to get majority of my money that day if needed. Now the amount I once was able to access has dropped considerably. When contacted support they said it had to do with my employer and to speak with my HR to see what was going on. In doing so HR director has no idea what's going on. So would be betterif I could actually access the amount I started off being able to use.

What's new

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