Instant Financial

• Free

Last verified 6 Sep 2026

4.5 10055 ratings · App Store

1. 4/5It’s not that bad

   One of my jobs switched are tips from cash to the Instant app. While we were all pretty annoyed at first because cash is just so easy but this meant we got our tip outs faster so that part I like. You can transfer money to your bank account for free but it can take a couple days, so plan it out, or use the debit card it’s self if possible. App is straight forward and simple that not much to get confused about. Honestly the only reason I didn’t give it 5 stars is because I use my tip money to pay my bills and it just adds an extra step because I have to wait and transfer to my bank account(because I’m not paying to get my own money, I don’t with my bank so I’m not going to start now) and than than pay my bill. Since mostly all my bills can’t be paid with card online/ auto pay, you have to link an account number. Other than that is is app is easy and gets me my money the next afternoon vs 2 days later. Some people at my job still hate it, but it’s not that bad.

   restaurant life · 7 Aug 2026

2. 1/5Terrible.

   I absolutely hate that my employer uses this system to pay out tip-credit earnings. We already pay enough in income tax to earn a living in the US, now I have to pay some app developer to access my income and the app isn’t even that stable? Craziness. I have to go out of my way to pull funds out of my account at an “in-network” ATM to avoid paying fees (and hope the atm owner doesn’t charge a fee) or us the “free 1-2 day transfer” option to send to a proper bank account but that requires attaching a routing and account number to your instant account and waiting for several days. I do not trust the security of this app software enough to do that for several reasons. This app is so JENKY. Half the time I try to initiate a transfer to send money to my bank (for a fee by way of debit card) it tells me “oops something went wrong” with no explanation of what may be wrong. I recently have been trying to update the bank debit card (because it expired) associated with my account and the same “oops” message keeps occurring with no explanation as to why. Only a chat bot seems to be available for help. Also when setting up my account using my iOS device, the app wasn’t even formatted to display on my iPhone. It was so zoomed in I couldn’t even see all of what was supposed to be displayed on the screen. I had to uninstall and reinstall the app several times for it to display properly. I also question the security of the card as there is no chip. Are we not in 2022? In some instances the card is not accepted as there is no name on the card to associate it as mine. Overall the whole system just feels very unreliable and I seriously question its security.

   S29. · 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. 1/5Intentionally misleading

   Update 2: 3rd or 4th interruption to daily use in less that 3 months.... can't use card, add money or check balance and right near Christmas too.... this really has me considering a new job just to get away from this card. Update: I saw your response, which was way late. Ironically you all fixed the issue within hours of me calling you out on the applications nonsense. Still seems like a temporary intentional ploy to get people to over spend that you fixed after someone called you out on it. Furthermore I shouldn't have to jump through hoops to get my balance IE the app should work consistently. Keep it right the first time and stop messing with people's money. Still do not recommend this app or company. Leaving my old review as is. If your job requires this: pick a new job Old review: The app used to update your balance every time you opened it. Now it will only tell you the balance as of the last time you received pay. If you withdrawal it remains the old balance setting you up to overdraw your account and pay fees. Seems pretty deliberate and like they set you up to fail. Actually considering changing jobs not to be stuck with this misleading system. Just seems very intentional that they want you to overdraw.

   Former TD Bank user · 6 Sep 2026

5. 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

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