21.8K reviews
Content rating
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About this app

Welcome to Payactiv

Get paid as you earn with employer participation
Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands.

Banking for real life for everyone
Create a Payactiv account and enjoy faster access to their pay along with the convenience of the Payactiv Visa® Card.1 With top-notch security and spend guidance at your fingertips to start saving immediately, it’s your earnings, spending, and savings with you in control.

Faster access to your money
• Up to 2 days early deposit of your paycheck2
• Up to 4 days early deposit of government payments2
• Immediate access to wages earned today3

Easy, free, instant mobile payments
• Receive and send funds to other members
• Send funds by phone number
• Money is available immediately

SmartSpend and SmartSave to stay on track with your goals
• Always know what’s safe to spend
• Track your spending habits at a glance
• Be alerted of low balance
• Auto transfer from earned wages3

Grow savings with real-time insights on what’s possible
• Automated insights on what’s possible to save
• See your savings grow with each paycheck
• Get financial advice for near- and long-term plans
• 1-1 phone service with trained financial coaches

Banking without the hidden fees
• No minimum balance requirements
• No overdrafts
• No monthly or inactivity fees
• Surcharge-free withdrawals at 37,000+ MoneyPass® ATMs
• Free integrated bill pay
• Cash withdrawal at tellers in participating banks

Convenience and security, you can count on
• Use the card with Google Pay or Apple Wallet
• Touchless payments at stores
• FDIC insured
• Protected by Visa’s Zero Liability protection
• Lock or replace lost or stolen cards
• 24/7/365 support in English and Spanish

Designed with purpose
• Made from 98 percent upcycled plastic
• Uses plastic waste that might otherwise end up in a landfill
• Comes in 3 color choices

For more information visit

1The Payactiv Visa® Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from/by Visa U.S.A., Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the fee schedule at If you have any questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free 24/7/365 at 1 (877) 747-5862.

2 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-4 days later. Beginning with your second direct deposit of at least $5 from the same source, the Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Prepaid Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.

3 Earned Wage Access requires employer participation.
Updated on
Jun 12, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
You can request that data be deleted
21.8K reviews
Cult Blue
July 22, 2022
I find this app really useful, but there's some features that never seem to work. I still love it, and use it fairly often. But, for the last month, or so, my hours have stopped logging, and I'm no longer able to pull any earned wages off. (Edit) it's now been over a month, and still no word back, even after emailing, and trying to reach to reach support through the app.
18 people found this review helpful
Did you find this helpful?
July 27, 2022
Hi Cult, apologies for the inconvenience. One of our representatives will be reaching out to you shortly to assist you. We hope to find a solution that makes you smile.
Alexander Early
July 7, 2022
Every time I go to make an account, once I press the "Create Account" button, it covers the screen with a white tint and says "Loading" but in the background you can see at the top an error that says "undefined", then after a second it just goes back to the part where I put in my info, but I'm apparently just not allowed to make an account. 1 star until I can use the app properly, I need this to get paid for my job. Horrible app.
18 people found this review helpful
Did you find this helpful?
July 7, 2022
Hi Alexander, apologies for the inconvenience. We'd really like to resolve your issue. When possible, please email us your details at with “App reviews” in the subject line. Be sure to include your Employer name, Employee ID and Mobile number. Our team will be in touch ASAP.
Sierra Smith
May 14, 2022
Edit: Nathan called me and i was able to get access to my earnings in less than 2 minutes! Thank you for fixing the problems i was having! Very upset with this app, after I went on maternity leave it stopped working completely and had lots of glitches. Now that I'm back to working it doesn't show an updated balance or that I have any money available to use when it use to show after 24 hours. I've been trying to fix it for weeks and I'm tired of it.
45 people found this review helpful
Did you find this helpful?
May 14, 2022
Hi Sierra, thank you for taking the time to write a review about your experience. We're glad that our representative could help you resolve your issue. Have a lovely day ahead. 🙂

What's new

We update the Payactiv app regularly to make it better for you. This version includes feature enhancements.