Earned wage access
You’ve
earned it.No need to wait for payday.
If your employer is with CashD, you can withdraw the pay you’ve already earned, whenever you need it. It lands in your bank instantly.
- Not a loan
- No interest
- No credit checks
$600
Earned so far$1,200
WithdrawFor employees
Your pay, when you need it.
Withdraw up to 50% of what you’ve earned so far, for one small fee. No interest, no credit checks.
Check my employer
For employers
A benefit your team will actually use.
It works with your payroll, HR or workforce management software, costs nothing to run and doesn’t touch your cashflow.
Book a demo
Works with the payroll, workforce management and HR software your team already uses.
Connect it once, and your team’s earned pay shows up in the app after every shift.
Using something else? Talk to us
- HR3
How it works
Access the money you’ve already earned.
CashD plugs into the payroll, workforce and HR software your employer already uses, so the pay you earn each shift shows up in the app.
What is earned wage access?
It lets you withdraw pay you’ve already earned before your normal payday. CashD isn’t a loan, so there’s no interest, no credit check and no penalty fees.
What can I use it for?
Anything. Pay a bill when it arrives, top up your offset or buy yourself something you’ve earned. The money goes into your bank account, not someone else’s.
What does it cost?
Some employers cover the cost for their team. If yours doesn’t, it’s a nominal fee of 1.99%, typically around $5 per withdrawal. That’s less than a cup of coffee.
How much can I access?
Up to 50% of the pay you’ve earned so far in the pay cycle. Transfers to your bank are instant.
What do I need to do?
Check if your employer is signed up. If they’re not, we’ll contact them for you and keep you updated.
Available now
$600
of $1,200 earned
WithdrawWithdrawn this cycle$120
Next paydayFri 25 Sep
Sent to bank · 18 Sep$120
Life happens between paydays
Whatever it’s for, it’s already your money.
No reason to give and no questions asked. These are the moments people use CashD for most.
The real cost
What does a $500 advance actually cost?
Most early pay apps charge a percentage, then interest on top. CashD charges one small fee of 1.99%, and no interest.
You keep $20.82 more
CashDEarned wage access
$9.95
Total cost
- Amount
- $500
- Fee (1.99%)
- $9.95
- Interest (0%)
- $0
Typical early wage access
$30.77
Total cost
- Amount
- $500
- Establishment fee (5%)
- $25
- Interest (24% p.a.)
- $5.77
Based on fees published on AU-based early wage access providers’ websites, correct as of 10 November 2026.
Product comparison
One small fee. No interest. No late fees.
- Worse than CashD
- Same as CashD
Compare CashD with
 Your pay | BeforepayPay advance | |
|---|---|---|
| Total feesOn $500 | $9.95 | $30.77 |
| Establishment feeOn $500 | $9.951.99% of $500 | $255% of $500 |
| InterestOn top of fees | None | Worse than CashD: $5.7724% p.a.* |
| Late feesIf something goes wrong | None | Same as CashD: None |
| MaximumHow much you can access | Up to 50% of earned pay | Up to $2,000 |
*Interest based on a weekly repayment frequency. Based on each provider’s own website, correct as of 10 November 2026.
The CashD app
Simple to use. Clear information. Help when you need it.
Reviews
Financial flexibility for every employee.
1 of 5
Why CashD
Why CashD just makes sense
No credit checks
Using CashD has no effect on your credit rating. It’s your pay, for less than the cost of a coffee.
One small payment of 1.99%
Some employers cover it for you. There’s no interest, no late fees and no penalties.
Less money stress
Knowing your pay is there when you need it takes the pressure off. What you use it for is up to you.
Up to 50% of your earned pay
Withdraw up to half of what you’ve earned, straight into your own bank account.
Getting started
Access your pay in four steps.
- 01
Check your employer
Find out if your employer is already with CashD.
- 02
We’ll invite them
If they’re not signed up yet, we’ll contact them and keep you updated.
- 03
Set up your account
You’ll get an onboarding email. No credit check, and we never need access to your bank.
- 04
Download the app
See your earned pay in real time and withdraw it when you need it.
FAQs
Questions people ask before they start.
Are there late fees if I miss a repayment?
No late fees and no interest penalties, just one small fee to access your earned wages.
Can I use CashD if I receive government benefits or Centrelink?
To use CashD, you need employment income. Centrelink payments alone don’t qualify.
Does offering CashD expose the company to financial risks?
No. CashD funds wage withdrawals directly and automates payroll deductions to prevent employer risk.
How does an employee get started with CashD?
If you haven’t received an invitation from your employer, check whether your employer is registered with CashD.
How does an employer sign up to use CashD?
Either book a demo or sign up directly in the CashD portal. If your payroll, workforce management or HR/HRIS software partners with us, you can also sign up through their website or app.
Will CashD affect my company’s cash flow?
It doesn’t. CashD provides the funds and is reimbursed through automatic post-tax deductions on payday.
How does CashD protect my financial data?
All employer and employee data is encrypted at rest and in transit, and hosted securely on AWS servers in Australia. CashD also undergoes certified penetration testing and complies with AUSTRAC and Australian financial regulations.
How does this benefit me as an employer?
Benefits include increased employee satisfaction, improved talent attraction, zero impact on employer cash flow, and better productivity by easing employees’ financial stress.
How is CashD different from payday loans and early wage access?
CashD isn’t a loan. There are no credit checks, no interest, no late fees, and employees can’t default. Any earned wages taken are exactly that: wages already earned that the employee is accessing before payday.
How long does it take to get funds transferred?
Transfers are usually instant via PayID/Osko. However, depending on your financial institution, standard bank processing can take up to 2 business days.
How long does it take to set up a CashD account and offer it to employees?
It only takes 5 minutes to set up your account and then invite employees through our app. CashD is fully integrated with your payroll, workforce management or HR/HRIS software.
How much money can I withdraw?
You can withdraw up to 50% of your earned wages, unless your employer has set a different limit.
What is earned wage access?
Earned wage access lets employees access a portion of their earned wages on demand, instead of waiting until payday.
Will this affect my credit score?
No. CashD doesn’t run credit checks, review bank statements or affect your credit history. It isn’t a loan, so there’s no interest, no debt risk and no repayments.
Check my employer
See if your employer is with CashD.
Tell us where you work. If your employer isn’t signed up yet, we’ll contact them for you and keep you updated.
- No credit check
- We never need access to your bank
- Up to 50% of your earned pay, instantly
- One small fee of 1.99% per withdrawal