Instant Financial

• Free

Last verified 6 Sep 2026

4.5 10055 ratings · App Store

1. 1/5Nothing but bad experiences

   Using this app and system has been outrageously difficult from start to finish. The app constantly links me to webpages that have errors. The customer service chat option is tedious the filter through it often Freezes and goes nowhere. My physical card came in the mail and I activated it however, when I got paid suddenly it just was no longer activated. I am stuck relying on the virtual card now because I can’t wait for the new physical card to come in the mail because the app suddenly decided it just didn’t wanna have that activate. While trying to simply use any means possible to get my money out of this app, my card suddenly freezes, and is in a blocked state. Support tells me I need my account and routing information, but the app does not have that listed anywhere and so I’m unable to unfreeze my account that was suddenly locked for no reason other than me wanting to get my funds out of this garbage app. I’ve already set up my direct deposit for a different institution, and I cannot wait for the moment that it activates and switches over. I advise everybody to steer as far clear of this app as possible. The only reason I even downloaded and used it was because I wanted to get half of my paycheck for the previous day. However, the job I work Work doesn’t use a time clock so I can’t even that perk within the app. There’s no reason to even use this app and it has done nothing but bring me headache headaches.

   Sir Bighi · 6 Sep 2026

2. 1/5The Only Thing Worse Than This Company Is The App They've Created

   My employer recently announced that they were offering (actually they didn't offer us the service, they just made it the only way to access our earnings). It was presented as a decision made by corporate solely to benefit it's employees. Instant access to our tips with any fees or headaches. None of us were excited about the introduction of the service this week. However, based on the literature we were provided, it seemed like it might not be a terrible idea. We were very wrong. First of all, the app it's self is slow, buggy & generally not well crafted. Most importantly, the promised lack of fees and quick/easy access to our $, turned out to be a joke. Transferring $ to an actual bank account can take over a week. Using the provided Visa Instant Financial card in an ATM to withdraw funds, results in a fee from both Instant Financial & my bank($2.50 from Instant & $3.00 from BOA). Yes, I'm sure their are some fee-free ATM's as they state, how can Bank of America's ATM's & most other machines owned by major financial institutions not be in their network? The only people benefiting from the services provided by Instant Financial, are Instant & the companies who force their employees to use those services.

   CocktailsAreMyArt · 6 Sep 2026

3. 1/5Spaghetti Factory

   This is trash.! Just a third party “bank” or shall I say financial institute trying to make money off our money! They claim it’s easy to find the nearest free ATM through the app but then it just switches over to the safari browser. So how is that through the app. By the way it’s taken over 15 minutes for it to show me the nearest ATM and I tried to close and reopen safari but yet it still just keeps “retrieving my location” and doesn’t even allow me to enter an address as the option remains unhighlighted. Real convenient instant...not. Now we get to use our data for this lag of a “convenience”. I tried finding the nearest ATM with and without WiFi too so don’t reply to this with some b.s. excuse because it still continues searching, such a inconvenience no one needs. I notice more 1 star reviews than I do 3-5 stars. Why is that? The only people who like this app are ones who want half their paychecks after a shift worked. But those who make tips and want cash find this as the most inconvenient thing ever.! So now when I have my bills due on Monday or Tuesday the money I made Friday or over the weekend I can not transfer MY MONEY to pay my bills because it won’t reach my REAL bank account until wed or thurs. Also, I get cash rewards for swiping my card from my real banks, but what kind of rewards do we get for using your Instant services.. nothing but a headache. Thanks Instant for being an inconvenience and I speak on behalf of every server and bartender at my work who have complained about this as well! Employers should allow this to be an option to sign up not force it down our throats.

   SloppySpag · 6 Sep 2026

4. 1/5Good idea. Bad execution

   I just started a few months ago at a restaurant that decided to use instant. I like the idea of not having a server walking out with a full nights tips but that’s where it ends. I use Chase and was told most major banks don’t charge fees to withdraw; between chase and instant I pay $5 in fees. And they will respond with their 33,000 no fee banks but I live in a city and walk...I can’t go 20 mins out of my way for no fee. Also, the two business days for instant transfer is fine if it’s Monday or Tuesday but on the busiest nights for servers who make most of their money on weekends, don’t expect to see your money for FIVE DAYS!!! Basically if you want all your money you wait and if you don’t mind losing about $100 a month in fees or 30 mins travel out of your way they’re great. Tell their C suites they have to wait 4 days after pay day for their money or use 33,000 out of 2 billion ATMs and see if they fix it then. Also, why can other services like PayPal have a transfer done in 2-3 hours yet I get charged $2 so instant can snail mail it!? This is also contingent on how fast your employer puts it on your card as that can be a few mins to next day. STOP JUSTIFYING SHORT COMINGS, INSTANT, AND ACTUALLY FIX IT. THIS IS OUR MONEY!

   Chap100487 · 6 Sep 2026

5. 1/5constant fraud and expensive withdrawals

   My restaurant recently switched to the Instant card a few months ago and already half a dozen employees have had their card information stolen and used fraudulently. Prepare for it to take 90 DAYS to receive your stolen pay back IF it’s approved. DO NOT keep your money on these unprotected cards, the security and fraud response is abysmal. This is essentially how we are paid, we can’t afford to wait three months for instant to address its own security issues before we receive our money!! Why is my card being approved literally on the other side of the country mere hours after I get paid for a shift 3,000 miles away? If your company gives you the option, CHOOSE TO GET PAID VIA CHECK because unless you are near a very specific type of ATM (spoiler alert: you’re not) it will either cost you money to access your own pay or you will need to wait days and days and days. Imagine if you received a paycheck for all your tips and hourly combined for $0 and the payroll company told you it would take 90 days to get it back, and then when you finally did you had to pay to access it within the week. That’s the instant card, so adjust your expectations accordingly.

   llllllllllllll. · 6 Sep 2026

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