On-demand pay from Openwage. Low-cost, fast, and secure early pay access.
Waiting for payday to get the money you've already earned can be stressful. Especially when a bill or unexpected expense comes from nowhere and you need to pay it ASAP.
Now you can instantly access your earnings at any time before your usual payday without getting into debt. It's called on-demand pay.
Get paid instantly
See how much you've earned so far during your pay cycle. Transfer what you need, when you need it, instantly to your bank account.
Cover unexpected expenses
Say goodbye to that sinking feeling when your car or boiler needs an urgent repair and your savings aren't up to the job.
No hidden fees
Get paid when you want with no strings attached. Just a low, fair transaction fee of 1% of the amount you transfer, with a minimum fee of £1.
Choose how much you need and transfer it to your bank account instantly.
Safe and secure
Forget payday loans, credit cards, and overdrafts that cripple your credit score and charge crazy interest rates. On-demand pay is not a loan or any form of credit. So there's no interest to pay and it won't damage your credit score.
No awkward conversations with your boss
You can access your earned pay instantly through the app without your employer knowing the details. On-demand pay is available 24/7.
No transfer limits
You can access 100% of your estimated take-home pay that you have earned so far. We estimate your take-home pay by calculating 50% of your gross base monthly salary (i.e. your salary before income tax, National Insurance and any other deductions made by your employer).
On your usual payday Openwage will deduct any on-demand pay and fees from your salary and you’ll receive the rest.
Currently only employees of companies that have signed up to Openwage can use this service. If you'd like to refer your employer, you can do so after installing the app or by visiting our website www.openwage.com
On-demand pay is similar to a salary advance, but with Openwage there are no interest fees to pay. Just a low transaction fee per transfer.