Your children
Need help paying for what your kids need?
Camp forms, new shoes and sport fees always seem to land at once. If your employer is with CashD, you can cover them with pay you’ve already earned.
- School costs
- Childcare
- Sport and activities
Can I cover it?
ExampleEnter what you’ve earned so far
- You withdraw
- $500
- Fee (1.99%)
- $9.95
- From your next pay
- $509.95
Covered in full, instantly
Example only. You can withdraw up to 50% of the pay you’ve earned so far.
How it works
A Tuesday morning, sorted by lunch.
Here’s how CashD fits into the week the school notes come home.
A note in the school bag.
The school camp payment is due this week, and the school shoes have a hole in them.
School campPayment due ThursdayYou add it up.
$500 for camp and a new pair of school shoes. Payday is still three days away.
Costs
School camp$380
School shoes$120
Total$500
You withdraw $500.
It lands in your bank instantly. Camp’s paid and the shoes are sorted.
$500Sent to your bank · Just nowPayday, as normal.
What you withdrew and the fee come out through payroll. The rest of your pay lands as usual. Nothing to repay, nothing to chase.
Payslip · Fri 16 Oct
CashD withdrawal$509.95
The restPaid as usual
Why CashD
What $500 for the kids 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
Covering $500 of school costs with
CashD1.99% fee. No interest.
$9.95
Typical early wage access5% fee plus 24% p.a. interest
$30.77
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.
A review from a CashD user
“Being able to access a portion of my earned wages when unexpected expenses arise has taken some of the financial pressure off when I needed it most.”
It’s your pay, not a loan.
- No interest
- No credit check
- No late fees
- Nothing to default on
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.
Is CashD a loan for family costs?
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.
Can I use it for school costs and childcare?
Yes. It’s your pay, so you can use it for school camps, uniforms, sport fees, childcare or anything else the kids need.
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 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.
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