Instant Financial

10.4K reviews
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About this app

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. Your employer must offer Instant as a pay disbursement option in order to receive your pay on Instant.

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 ATMs. 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 another 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. Connect 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 earned wages and/or tips right to your Instant card after your shift

• 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 Instant 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• Freeze and unfreeze your card so your money cannot be spent or withdrawn in case your card is lost or stolen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 own hard earned money. We only charge avoidable fees, such as a 90-day account 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 an estimated 1 business day to process and appear in the destination bank account.

Bank transfers made after 1PM ET will take an estimated 2 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”
• Phone Support: Call the number on the back of your card
Updated on
Jul 26, 2021

Data safety

Developers can show information here about how their app collects and uses your data. Learn more about data safety
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10.4K reviews
1- 20 - 7 LG
September 6, 2022
Besides early wage access, this app is terrible and practically useless. Almost a 5 dollar fee to transfer money to your own bank. No direct deposit or early holiday pay. Can't use card for anything really useful. Doesn't work at most ATMs, can't use it to pay most bills, and can't even use it to load your bus card, smh. I'm definitely getting away from this as soon as possible especially since I'm no longer eligible for early wages. That was the only good thing about this app.
5 people found this review helpful
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INSTANT Financial
September 7, 2022
We're sorry to hear you're not over the moon about the app. We'd like to hear your thoughts on what we could be doing better - please feel free to email us at We're always striving to make our program better. We also have an FAQ in place that could be helpful
Asher Lee
January 25, 2022
I've had this app for 3 almost 4 yrs and as time goes on it only gets worse and worse. They charge you $5 and out of network fees for ATMs that aren't in the network. The 1-2 day transfers sometimes take a whole extra day. And NOW I get an error pop up box that says that real time transfers aren't possible atm (it's been like this for over a week). I've tried contacting support through their chat system and it sucks beyond all belief!! I've always had to wait 1-2 hrs for service!! Get better!!!
60 people found this review helpful
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INSTANT Financial
February 8, 2022
Hi Asher - first, we'd like to thank you for being our customer for almost 4 years. We really want to keep you and all of our customers happy. All our convenience fees are completely avoidable. Check out for all the free ways you can access your funds. Please email your feedback to our Support at
A Google user
January 8, 2020
Seriously? My device just had a routine update & now Instant won't even open. I tried all of the usual things, restarting my device, uninstalling & reinstalling Instant & it continues to crash "instantly" when I attempt to access Instant. Based on the reviews I've read on your app, this sort of thing is consistent with the issues a lot of people are having. It would seem this app is in dire need of an overhaul. When do you think that I'll be able to access my money? Any ideas?
45 people found this review helpful
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INSTANT Financial
January 13, 2020
Joe, sounds like you've most troubleshooting steps, we'd just add one more: clear your app cache on your phone before re-downloading. Check out this FAQ: In the mean time, access our web app at, and check card balance by calling the number on the back of your card and following automated prompts.

What's new

Bug fixes and performance improvements