How can we help?

There’s a one-off fee of 1.99%, although some employers choose to cover it for their employees. There are no late fees, hidden fees or interest charges. All fees are clearly shown in the app.

CashD isn’t a loan. There are no credit checks, interest charges or late fees, and there’s no risk of default. You’re simply accessing wages you’ve already earned before payday.

Earned wage access lets employees access a portion of their earned wages on demand, instead of waiting until payday.

How it works for employees

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.

Transfers are usually instant via PayID/Osko. However, depending on your financial institution, standard bank processing can take up to 2 business days.

There’s no complex eligibility assessment. If your employer uses CashD and you’re earning wages, you’re generally eligible to use the service.

To use CashD, you need employment income. Centrelink payments alone don’t qualify.

If you haven’t received an invitation from your employer, check whether your employer is registered with CashD.

Check my employer

You can withdraw up to 50% of your earned wages, unless your employer has set a different limit.

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.

No. All early withdrawals are transacted net of tax.

Yes. 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.

There’s no need. Simply delete the app and unsubscribe from our marketing emails.

No. CashD mirrors the information in the payroll, workforce management or HR/HRIS software your employer uses. Changes must be made with your employer and can’t be updated directly in CashD.

CashD is available on iOS and Android through the App Store and Google Play, and can also be accessed in a web browser.

No late fees and no interest penalties, just one small fee to access your earned wages.

Transfers are usually instant via PayID/Osko. However, depending on your financial institution, standard bank processing can take up to 2 business days.

No. CashD won’t affect your income. It simply gives you access to your earned wages before payday.

No. Your employer automatically deducts the amount you’ve withdrawn from your final pay for the pay period.

Yes. Your pay slip shows the withdrawal amount as a deduction, along with any applicable fees, so you can clearly see each transaction.

You can’t update employment details directly in CashD. If you change employers, ask your new employer whether they use CashD, and request an invitation if they do.

You can make multiple withdrawals, subject to your available balance. In most cases, employees can access up to 50% of their accrued gross wages.

Your username is the email address you first applied with, or the one your employer has on their payroll system.

Employees pay a one-off fee of 1.99%, although some employers pay it on their behalf. There are no late fees, hidden fees or interest. All fees are clearly stated in the app.

Nothing. Your employees pay to use CashD, not you, although some employers choose to pay on their behalf.

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.

A service that lets employees access their earned wages on demand, instead of waiting for payday.

How it works for employers

Yes. Employers have their own interface, with a wealth of reports to view and export.

In the employer portal you can revoke or limit employee access, set up blanket controls, and view and run deduction files.

No. CashD funds wage withdrawals directly and automates payroll deductions to prevent employer risk.

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.

Sign up in the CashD portal

Benefits include increased employee satisfaction, improved talent attraction, zero impact on employer cash flow, and better productivity by easing employees’ financial stress.

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.

Nothing. The whole solution is automated. The CashD deduction file is either delivered on an automated schedule or viewed and uploaded by your payroll officer, depending on the integration you use.

It doesn’t. CashD provides the funds and is reimbursed through automatic post-tax deductions on payday.

Yes, but the system handles this automatically, with no manual action needed.

We’ll send you all the collateral you need to help employees understand the benefits of CashD.

No. All early withdrawals requested by employees are transacted net of tax and within set transaction limits. However, clients have their own tax obligations and should seek independent legal or financial advice.

You can contact Customer Support between 9am and 5pm AEST, 5 days a week, using the form at the bottom of this page.

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.

Yes. 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.

The minimum withdrawal is $100, and the maximum is 50% of the employee’s earned wages.

Yes. CashD integrates with workforce management, payroll and HR/HRIS software (such as Xero, MYOB, Deputy and Employment Hero/KeyPay) to release accrued pay based on approved time worked.

No. The information in CashD mirrors your payroll, workforce management or HR/HRIS software, so employees can’t change it in CashD.

Of course. Every part of our relationship can be controlled in the employer portal. If you need help, contact us through the employer support form.

Contact employer support

Employers interested in paying for or subsidising transaction fees as an employee benefit can contact us through the employer support form.

Contact employer support

To prevent misuse, withdrawals are capped at 50% of each employee’s earned wages, although you can ask for that to be changed. You can also monitor employee usage in the employer portal.

Swipe left to right on an employee’s profile in the employer portal to put them on hold or block them.

The employer portal has a separate deductions tab where deduction files are kept.

CashD runs a deduction file process before each pay run to reconcile employees’ withdrawals. CashD and the employer review and agree on this process based on the payroll software used.

As two separate post-tax line items on their pay slip: the amount the employee accessed that pay cycle, and our fee.

All your employees receive an invitation and a separate reminder email asking them to sign up. It’s then up to each employee whether they use the service.

All new employees receive an invitation and a separate reminder email asking them to sign up. It’s then up to them whether they use the service.

Yes. CashD has its own onshore technical team.

No. There’s a commercial arrangement between CashD and its integration partners, which gives partners a new, recurring revenue stream.

It depends on your resources and technology environment, but most integrations can be completed within a few weeks.

CashD is a fintech platform that integrates easily with any payroll, HR/HRIS or workforce management software.

Partners integrate with CashD for a range of reasons, including new revenue opportunities, a stronger value proposition and higher customer retention.

CashD isn’t a loan. There are no credit checks, interest charges or late fees, and employees can’t default. Users are simply accessing wages they’ve already earned before payday.

Earned wage access lets employees access a portion of their earned wages on demand, rather than waiting until payday.

How it works for employers

Employees pay a one-off fee of 1.99%, although some employers pay it on their behalf.

Nothing. Employees pay to use CashD, not employers, although some employers choose to pay on their behalf.

No. All early withdrawals requested by employees are transacted net of tax and within set transaction limits. However, clients have their own tax obligations and should seek independent legal or financial advice.

You can contact Customer Support between 9am and 5pm AEST, 5 days a week, using the form at the bottom of this page.

All employer and employee data is encrypted in transit and at rest, and hosted securely on AWS infrastructure in Australia. CashD also undergoes penetration testing and complies with relevant Australian financial regulations.

Yes. 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.