# Everyday Payments — user reviews > 243 indexed App Store user reviews of Everyday Payments by XTM Inc, rated 1.30/5 from 15 ratings. - Source: https://appshunter.io/ios/app/everyday-payments/id1627530551/reviews - App overview in markdown: https://appshunter.io/ios/app/everyday-payments/id1627530551.md - Rating breakdown: 5★ 1 · 4★ 0 · 3★ 0 · 2★ 1 · 1★ 13 ## What do users think of Everyday Payments? Overall sentiment: negative **Pros** - 💯 Fast service - ✨ Easy to use **Cons** - 🔒 Security issues - 🤖 Poor customer support - 💰 Excessive fees - 🐛 Frequent technical issues - 🔄 Constant app updates/changes - 💸 Money getting lost/held hostage - 🔒 Accounts getting hacked - ⏱️ Delayed transfers/access to funds **Commonly reported bugs** - Login/verification issues - Inability to access/transfer funds - Unreliable e-transfer functionality **Most requested features** - Free transfers - Reliable customer service - Improved security measures - Stable app performance ## Newest reviews (20 of 243) ### 1/5 — Using id to open my account *2026-05-16, version 2.8.0* This is wrong.I will not take a picture with my id to get my money.Cause I have an issue and I don’t trust it.sorry ### 1/5 — One of the worst apps I’ve ever encountered *2026-05-14, version 2.8.0* Will steal your money while sending AI agents to “help solve problems” aka do absolutely nothing. DO NOT USE THIS APP ### 1/5 — very poor support and payment delays *2026-05-13, version 2.8.0* Very frustrating experience with Everyday Payments support. It has been over 10 days and my virtual card is still not activated, which means I still cannot access my money. I completed all verification steps and provided every document and employer information they requested, but support keeps delaying the process without giving any proper update or timeline. Customer support responses are very slow, and most replies feel automated instead of actually resolving the issue. I hope they improve their service and resolve pending account issues faster. ### 1/5 — Horrible *2026-05-09, version 2.1.3* If I could give it zero I would, it’s making me upload government id to get into my account but it’s been three days and I still can’t gain access I have no clue how much money I have in this account and I am worried about my information being stolen or me being hacked this app is not safe and I am very frustrated and disappointed ### 1/5 — Awful app *2026-04-07, version 2.1.3* Can’t believe they paid someone to make this ### 1/5 — You need to change the whole development team! *2026-03-31, version 2.1.3* It’s looks like this app was built by a supper unprofessional team. Development is really bad. User experience is awful. I was forced to use it otherwise I would never puta cent to this “bank” account. ### 1/5 — DO NOT USE *2026-03-06, version 2.1.3* If you want a company to take all of the money you need to pay your team - you’ve found the right provider. Unsure how this company is legal. DO NOT USE. ### 1/5 — DO. NOT. USE. *2026-02-28, version 2.1.3* I don’t know how they can continue this platform in good faith knowing they are keeping money from people. People have bills they need to pay and this system is single handedly ruining peoples lives. Can’t pay my rent on time because of this deplorable “technology”. Do everyone a favour and SHUT. DOWN. ### 1/5 — Scammer beware! *2026-02-27, version 2.1.3* This app is run by a bunch of crooks who are actively stealing money from customers and the bank of Canada has ordered them to pause business while they investigate. Furthermore, they have locked me out of my account and will now allow me to access my funds. Looking into legal action now. ### 1/5 — Terrible *2026-02-25, version 2.1.3* Absolute worst payment app known to man ### 1/5 — Give me my money😭😢 *2026-02-25, version 2.1.3* I’ve been robbed It just says “error transferring money” with no explanation , I had this app for like 2 months before my work said we are not using it anymore and now I can’t spend any of my $ like 300$ ### 1/5 — Scam *2026-02-23, version 2.1.3* How can we hold them accountable for taking our money? I’ve tried calling and emailing multiple times, but I never get a response. My workplace keeps sending my tips to this app, and I can’t even log in because I’m stuck in the verification process. At this point, someone seriously needs to take legal action against them. ### 1/5 — Don’t use this app for any reason *2026-02-23, version 2.1.3* If you’re an employer and use this for your employees you suck. This app is a pain to deal with, and the card only works to withdraw money can’t use it to actually purchase things? Everything about this app is horrible, everything. Company stopped using it because there was fraud on many people’s cards too which just adds another reason. You suck I hate you all so much. ### 1/5 — No day, no payments. *2026-02-19, version 2.1.3* Absolute scam of an app. Never works, random holds on money, etransfer fees. Wouldn’t use this if I wasn’t forced to by my work. 0/5 ### 1/5 — Service worker *2026-02-18, version 2.1.3* These people should be i jail. Do not use this app unless you want your money stolen ### 1/5 — Scammers *2026-02-17, version 2.1.3* Tips randomly disappear and hard to access money. I hope they get sued ### 1/5 — Awful experience *2026-02-16, version 2.1.3* Do NOT ever use this company. ### 1/5 — Stuck in endless loop *2026-02-16, version 2.1.3* Open the app and login. Asked if I want to continue with scheduled payments or switch to instant. I confirm continue with scheduled and it sends to screen where it says thanks for confirming and I have to click continue to app. This button just sends me back to the first page where it says continue with scheduled payments or switch to instant. Stuck in endless loop… ### 1/5 — Theifs *2026-02-14, version 2.1.3* This company has stole thousands of dollars from restaurants in Canada stay away ### 1/5 — Sketchy *2026-02-07, version 2.1.3* Been using this app for less than 3 months and their name constantly changing. Other than that they will actually keep the company’s money locked so they can’t provide us anything. This is just an illusion, and operates as such. The people who decide to use this app are either corrupt owners(since we actually don’t know if EP is the mess up or this is all a masquerade ball) or lazy managers whom apparently get easily distracted with the illusion they provide thinking their job and life will get easier. Nobody with their sane mind would trust a company with such reputation. And they ended up in the messiest place to fix this nonsense, our thousands of $$$ funds are gone and the company took the biggest hit. Cut corners and someone like these guys will take advantage of you, most deserved for trusting garbage. ## Most critical reviews (10 lowest-rated) ### 1/5 — Verification *2026-08-25, version 2.12.0* Can’t get passed verification. I’m not willing to to give anything more then my drivers license. ### 1/5 — Bad service *2026-08-25, version 2.12.0* Various errors when trying to transfer money out. Says I’m at daily transfer limit when I haven’t sent anything in almost a month, nor have I exceeded the per-transfer limit. Customer service hotline redirects to their email. Email supposed to be responded to within a business day but I am still waiting… ### 1/5 — scam *2026-07-25, version 2.11.0* this app makes you pay $1.50 to transfer YOUR OWN TIPS to your bank account. but you can use their barely functional card for free (letting them track all your purchases!) also making you submit government ID seems sketchy ### 1/5 — Poor service *2026-07-02, version 2.11.0* This company has made me wait four days to access an e-transfer, I had asked for a phone call so that we could resolve the issue faster then email, ignores my request. I asked to escalate the issue, ignores my request. If this wasn’t for work I would never use this service again. Just lack of interpersonal skills and lack of proper communication. ### 1/5 — Impossible to Receive Customer Support *2026-06-12, version 2.11.0* This app has been incredibly frustrating to deal with, and I genuinely regret joining a company that relies on it to distribute employee tips. During my first month of employment, I received no assistance despite multiple emails to Everyday Payments' support team and repeated attempts to contact their customer service line, which appeared to be completely inactive. The issue was only resolved after one of my managers intervened and contacted the company directly on my behalf. Unfortunately, the problems have continued. My account is now experiencing glitches, and funds seem to disappear without explanation. It is extremely concerning to have issues with money that I have rightfully earned, especially when support has been so difficult to access. The entire experience has been stressful, disappointing, and deeply frustrating. I truly wish this company had addressed these ongoing issues before restructuring, as the current system has just about the same amount of problems. ### 1/5 — Frustrating *2026-05-27, version 2.10.0* The app requires verification however it won’t recognize my drivers license OR my passport. I’ve tried on the app on my phone and on the web browser on my computer. My latest issue is that it won’t accept my phone number as it ‘already exists’. Yes, of course it does, I’m a member trying verify! I can’t access my funds. Joke of a system. ### 1/5 — The worst app ever *2026-05-25, version 2.10.0* I have been on verification mode since last week it keeps saying from minutes to a hour and I’ve already contacted support and nothing! As of right now I have nothing good to say about this app! Got money in there but can’t even use it ### 1/5 — Poorly Run Company *2026-05-21, version 2.9.0* They don’t even have a working customer support. Their phone number is quite litterally probably one person for a company that may have 30,000 + clients in need of support. Constant issues with their internals. As well as Bank of Canada stopping them from moving money because they are fraudulent. ### 1/5 — Government issued id *2026-05-18, version 2.8.0* Absolutely crazy I’m being asked to supply my government issued photo id to access my money. Coming from a company that has changed names countless times and just got shut down for theft ### 1/5 — Worst customer service I’ve ever had *2026-05-17, version 2.8.0* It’s now been a week that I’ve sent multiple emails to this company to try and login . Their phone number doesn’t work and no representative will get back to me . They’ll lock you out of your account even if you type in the correct password . Even if you test the password they still won’t let you sign in with that correct password and will lock you out . ## Most praised reviews (10 highest-rated) ### 5/5 — It’s very easy for use *2024-10-15* Very good ### 5/5 — FAST *2024-10-09, version 1.37.5* Fast service ### 4/5 — bad app *2025-05-06, version 1.48.1498* where is the code to reset password?????? people’s money are in there and I CANT ACCESS IT ### 4/5 — Anyday to KOHO? *2025-02-26, version 1.42.0* Hi Anyday team, I was just wondering if is it true that anyday app is going to transfer to KOHO? Because I received an email that I need to transfer my account to KOHO? Please let me know. Thank you ### 2/5 — Disappointing App Updates *2025-09-18, version 1.52.9* I’ve been a silent and patient user of this app and ignored most of the system “glitches” as I assumed they would eventually be corrected with time. Recently they launched their new virtual card platform which came with an expected amount of system errors. Now that I’ve finally been able to update it’s to my surprise that free wallet-to-wallet transfers and direct bank EFT has been silently discontinued with them now only offering their e-transfers with a fee. If they are going to downgrade their user options they should AT LEAST offer a few complimentary e-transfers a month. Super disappointed and will be pushing our union to change companies. ### 2/5 — I miss KOHO *2025-09-11, version 1.52.7* this app sucks, its difficult to track your spending, doesn’t offer you any cashback lile KOHO, I have to log in everytime I look into the app, and a long list of etcetera. I started this year with anyday and then you made us migrate to KOHO, and that was such a great apk, better in every way. Then you made us migrate back to anyday, and you could definitely tell how inferior is next to koho. I still cant set up my virtual card on anyday to make it work with my phone to just tap, one of my workmates had to go through a nightmare on the phone with your assistance team. Instead of going through that nightmare im just e-transfering to my bank account, while I never had such a problem with KOHO. You didn’t learn anything from them??? ### 2/5 — Logs me out of my account *2025-06-12, version 1.48.1504* This app logs me out of my account almost everytime I close the app. But now I’ve been logged out again but I can’t even log back in. I sign in normally and it sends me a email with a verification code. I use that code and nothing happens. I press continue and my screen stays the same. Help ### 2/5 — Awful Service *2025-06-03, version 1.48.1504* Our company recently switched from AnyDay to Koho and honestly Koho was so much better. Doesn’t force you to pay every time you transfer money out of your account and you can transfer more money at a time. We recently had to switch back to AnyDay and it genuinely makes me want to find a different job. Currently am unable to even do a transfer because their app is always glitching. If you can avoid this platform, do it. If you are an employee, press Koho on your management. A much better alternative to this platform and seemed much safer and more secure than AnyDay. Multiple coworkers have had their AnyDay accounts hacked. Not a single one had an issue with this on Koho ### 2/5 — Login Issues *2025-04-22, version 1.48.1492* App is decent, but it will not allow me or my coworkers to login without resetting our passwords every time. Has been happening for the past month. Additionally, please add a way to have text messages receive codes for MFA. Going into emails each time I want to login is not convenient. ### 2/5 — Not reliable *2024-12-02, version 1.37.10* I have had to use this app for over 3 years because of my job and the etransfer function seems to undergo ‘maintenance’ all the time making it very difficult to transfer funds. Very inconvenient. --- *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 2026-09-01.*