Need help paying for a special occasion?

No. CashD is earned wage access: you’re withdrawing pay you’ve already earned. There’s no interest, no credit check and nothing to default on.

Yes. Birthdays, weddings, a dinner out or presents at the end of the year: it’s your pay to use as you choose.

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.