Instant Financial

Instant Financial USA

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.

GETTING STARTED
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

FEATURES & BENEFITS
• 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• Freeze and unfreeze your card so your money cannot be spent or withdrawn in case your card is lost or stolen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)

NO USAGE FEES
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 (https://www.instant.co/us-cha/) or our Canadian Cardholder Agreement (https://www.instant.co/ca-cardholder-agreement/)

PRE-AUTHORIZATIONS
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.

BANK TRANSFERS
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.

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

SUPPORT
• FAQ: https://instant.zendesk.com/hc/en-us
• 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

Ratings and reviews

This app is almost completely useless once a small problem arises. I got a new debit card when my bank sent them out, and I can't even add it onto my Instant account! I can't use half of the features, and the Support Chat is a loop of pre-written questions and answers that do not help at all. I've changed my password on the mobile app, and the web version doesn't recognize my login! This app is hardly stable when it decides to run.

This app is pointless. I don't have early access to my paycheck unless they "offer" it. It doesn't tell you that you have to accept it or the offer expires at some point and once it does it says you have to wait for your next shift for another offer. I might as well just wait until my regular payday if I don't have access to my money when I need it. Completely defeats the purpose of having the app. Dailypay was better even with the $3.50 same day fee. Will be getting rid of Instant ASAP.

I've been using the Instant Pay app for about 7 months now. At first, I loved it and was very impressed with how it lets me get part of my pay from working the day before (if I want to)... until the offers weren't being offered much anymore! It's maybe 2 or 3 times a week now. I use it to make sure I can get to and from work but when it doesn't give the offer like it's supposed to it's a financial strain. If I could go back in time I wouldn't use the app! Very disappointed lately!

What’s new

This version improves internal performance and targets a new version of geolocation tools.