# Access PayWise+

> Earned wage access and AI financial coaching for better money management. (iPhone/iPad app by Access UK Ltd.)

- Source: https://appshunter.io/ios/app/access-paywise-plus/id1457007747 (this page in markdown: same URL + `.md`)
- Developer: [Access UK Ltd](https://appshunter.io/developer/325537062)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 13.0 · 39 MB
- Released: 2019-08-19
- Data updated: 2026-09-07
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/access-paywise-plus/id1457007747/reviews.md

## What is Access PayWise+?

PayWise+ Financial Wellbeing Made Simple
The free PayWise+ app helps you take control of your finances with earned wage access, smart money management tools, and AI-powered support.
Access wages you've already earned ahead of your normal pay date and send the money straight to your bank account. The app shows you real-time accrued wages, how much is available to withdraw, and a history of previous transactions.
Plus, get personalised guidance from Penny, our AI financial coach, use savings pots to build financial resilience, and access tools to help you manage your money with confidence.
Amounts withdrawn will be deducted from your next pay cheque along with any applicable fees.

## Key features

- Earned wage access
- Real-time accrued wages
- AI financial coach
- Savings pots
- Money management tools

## Recent user reviews (10 of 22)

All indexed reviews: https://appshunter.io/ios/app/access-paywise-plus/id1457007747/reviews.md

### 4/5 — Inconsistent but great

*2026-07-14*

I don’t know whose end it is wether it’s my company or the app but it’s not after every shift you can withdraw, it’s once a week on a random day random time it just has money in there with my summary of earnings which isn’t typically accurate either 😂 but amazing app still

### 5/5 — Amazing

*2026-06-18*

I started a new job 12 weeks ago and my company uses this app. It’s so useful when you need cash between paydays!

### 1/5 — Not working

*2025-10-16*

Very useful app and would have put 5* but recently it started not letting me view/track my earnings and even the saving pot it recently came up does not work, everything else works just fine, very confused. I liked seeing how much I’ve earn each day and now having this taken off me for no reason was just like taking candy off a baby :/

### 5/5 — Easy & quick

*2025-06-10*

So simple and easy to use. Shows up pretty much instantly and actually makes sense. Definitely a perk to a job ☺️

### 5/5 — Very Useful

*2025-04-30*

Been Using Access EarlyPay for a while now. It’s been Very Useful in allowing me access a bit of my income for emergency purposes. Instantaneous payouts as well. More or less perfect.

### 5/5 — The best thing…

*2024-09-24*

When there is more month than money left, the best thing ever is this app.  Nobody at the workplace need know, your not going ‘cap in hand’ for a ‘sub’ however I’d advise, take a bit more than you need so you only pay one fee, instead of 2 or more.  You’ll still have the money if you don’t need it all. 
More workplaces need to utilise this option for their staff.

### 5/5 — Helpful

*2024-01-27*

This has been a life saver with moving to a new house not having to wait until the next mounts to be able to buy what I need

### 3/5 — Frustrated

*2023-07-26*

I get paid 4 weekly on a Friday and I accessed this app to get some money needed for essentials during the few days before I got paid. Unfortunately it said there was 0 earnt as the pay works out that it cuts off a week before I get paid and the working week is Sunday-Saturday so I’m never going to be able to use this app if ever I’m struggling during my last week of getting paid.

### 4/5 — Satisfied customer

*2022-12-03*

Work for a company who uses this app! It is massively helpful when you need that extra little cash shame about the small charge they apply to take money out early but overall it is a very helpful app especially if you have bills you need paying and don’t have much cash remaining after. Would recommend all company’s to consider this as an employee benefit although it would be very easy to get yourself in a never ending cycle of decreased paycheques

### 5/5 — Great tool for employees

*2022-04-09*

A great way to earn the money you've earned early for the times you need it. Money is in the account within minutes.

## Frequently asked questions about Access PayWise+

### How does Access PayWise+ help me manage my money?

Access PayWise+ provides tools for managing your money with confidence, including real-time accrued wages, savings pots to build resilience, and personalized guidance from an AI financial coach named Penny.

### Can I access my wages early with Access PayWise+?

Yes, Access PayWise+ allows you to access wages you've already earned ahead of your normal pay date and send the money directly to your bank account.

### What kind of support does Access PayWise+ offer?

The app offers personalized guidance from Penny, an AI financial coach, to help you manage your money effectively and build financial resilience.

### Is Access PayWise+ free to use?

Yes, Access PayWise+ is a free app designed to help you take control of your finances.

### What devices does Access PayWise+ support?

Access PayWise+ is available on iPhone, iPad, and iPod devices.

### How often is Access PayWise+ updated?

The latest version of Access PayWise+ is 2.4.1150, and it was last updated on June 23, 2026, indicating regular updates for reliability and new features.

### Does Access PayWise+ have ads?

No, Access PayWise+ does not contain advertisements, allowing for an uninterrupted user experience.

### What age rating does Access PayWise+ have?

Access PayWise+ has an age rating of 4+, making it suitable for a wide range of users.

## Version history (last 5 releases)

### 2.4.1172 — 2026-08-13

Bug fixes and improvements

### 2.4.1163 — 2026-07-21

Bug fixes and improvements

### 2.4.1150 — 2026-06-23

Bug fixes and improvements

### 2.4.1145 — 2026-06-11

This update introduces a completely redesigned user interface, optimized for enhanced navigation and a more streamlined user experience

### 2.4.1124 — 2026-05-16

Bug fixes and improvements

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All apps by Access UK Ltd: https://appshunter.io/developer/325537062

## Related topics

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-07.*