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For employees

How does earned wage access work?

Get access to your pay, your way, rather than waiting for a traditional payday.

Check my employerSee how it works
  • No interest, just one small fee
  • No credit checks, default or late fees
  • Access your pay for less than traditional lenders
  • Get access to up to 50% of your earned pay
A nurse in scrubs holds a takeaway coffee and checks a phone outside on a break.

Getting started

Access your pay in four steps.

Check my employer
  1. 01

    Check your employer

    Find out if your employer is already with CashD.

  2. 02

    We’ll invite them

    If they’re not signed up yet, we’ll contact them and keep you updated.

  3. 03

    Set up your account

    You’ll get an onboarding email. No credit check, and we never need access to your bank.

  4. 04

    Download the app

    See your earned pay in real time and withdraw it when you need it.

How it works

Not all early pay is the same.

On-demand pay, early wage access, earned pay access and same-day pay might sound the same, but they aren’t. Earned wage access providers like CashD partner directly with your employer and connect to the HR and payroll software they use: the software that tracks the hours you work and pays you.

That means secure, real-time access to the money you’ve already earned, whenever you need it. It’s your pay, on your schedule.

  • Set up through your employer
  • Connected to your payroll
  • Only pay you’ve already earned

Your pay, from shift to bank

Sign up from an email invite

Your employer sends you an invite by email. Set up your account in minutes.

Watch your pay grow in real time

Open the app any time to see your available balance grow after every completed shift. No guesswork, just a clear view of what you’ve earned.

Withdraw with one tap

Got an unexpected expense? Request a transfer with a single tap and the money lands in your bank account instantly.

Payday, adjusted automatically

On your regular payday, your employer pays the rest of your pay into your bank account, adjusted for what you’ve already withdrawn.

Take control of your finances and make every day payday.

The real cost

What $500 before payday really costs.

Most ways to cover a bill before payday charge a percentage, then interest on top. CashD charges one small fee of 1.99%, and no interest.

You keep $20.82 more

Getting $500 before payday with

  1. CashD1.99% fee. No interest.

    $9.95

  2. Typical early wage access5% fee plus 24% p.a. interest

    $30.77

  3. Payday loan20% establishment fee plus 4% a month

    $120

Based on fees published on AU-based early wage access and payday loan providers’ websites, correct as of 10 November 2026.

It starts with your employer.

CashD is set up through your workplace. Check if yours is signed up. If not, we’ll contact them for you.

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The CashD app

Simple to use. Clear information. Help when you need it.

See what’s availableKnow what you can access at a glance.
Withdraw in a tapPick an amount and it’s in your bank instantly.
Get help quicklySupport is built into the app.

FAQs

Questions people ask before they start.

How much does using CashD cost me?

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.

How is CashD different from payday loans and early wage access?

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.

What is earned wage access?

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

How it works for employees

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 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 does CashD determine my eligibility?

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

Can I use CashD if I receive government benefits or Centrelink?

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

How do I get started with CashD?

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

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How much money can I withdraw?

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

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

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