# Fuego: On-Demand Pay — Your money, when you need it

> On-demand payment and financial management app for early wage access. (iPhone/iPad app by HotSchedules.)

- Source: https://appshunter.io/ios/app/fuego-on-demand-pay/id1583750727 (this page in markdown: same URL + `.md`)
- Developer: [HotSchedules](https://appshunter.io/developer/294934061)
- Category: Finance
- Price: Free
- Rating: 4.20/5 from 234 App Store ratings · 35 written reviews indexed
- Age rating: 12+
- Requires: iOS 17.1 · 87 MB
- Languages: American English
- Released: 2022-01-11
- Data updated: 2026-08-21
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/fuego-on-demand-pay/id1583750727/reviews.md

## What is Fuego?

Fuego by Fourth is an on-demand payment app that allows you to access your tips electronically and draw a portion of your earned pay before payday. Plus, with the Fuego Visa® Card, you can get your on-demand pay at no cost. 
 
MAKE ANY DAY A PAYDAY
Get early access to your pay right after you earn it. Earned wages are available within 24 hours of completing a shift.
 
TAKE STEPS TOWARD FINANCIAL FREEDOM
Set savings goals and see earning potential by viewing earned and scheduled pay and by keeping tabs on spending patterns. Pay bills on time, avoid any late fees on expenses, and take control of your finances. Fuego can help you manage your money while making payday loans a thing of the past. 
 
MOBILE BANKING
With Fuego’s mobile banking1 solution, you can transfer funds to any account number, search for nearby surcharge-free ATMs, search for cash load locations with Visa ReadyLink2, temporarily freeze your Fuego Card in the case of theft or fraud and activate your card and set your PIN – all within the app3. Plus, by adding your card to your phone’s digital wallet, you can make purchases via Apple Pay® or Google Pay™. Fuego helps to make online banking easy, with no credit check4 required when you enroll. There are no inactivity fees, no cost to set up, no fees associated with wage draws, and you can access your pay up to two days early5. Plus, the Fuego Card is protected by Visa’s Zero Liability Policy. 
 
For more information, visit getfuego.com.
 
 
Fourth is a technology company, not a bank. Banking services provided by Central Bank of Kansas City, Member FDIC.
Service fee up to $4.95 applies. Subject to cardholder load limits.
Standard data rates from your wireless service provider may apply.
This is not a credit card; no credit check is required. Approval subject to successful ID verification
For you to be paid early, your employer or payment provider must submit the deposit early. Your payment provider may not submit the deposit early each payment period, so ask when they submit your deposit information to the bank for processing. Early funds deposit begins on the 2nd qualifying deposit, which is defined as a direct deposit greater than $5.00 received from the same payer.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.
 
The Fuego Visa Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the fee schedule at www.getfuego.com/legal. If you have any questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free 24/7/365 at 1-855-715-8518.
 
©Fourth Enterprises LLC. All rights reserved. Fourth and the Fourth logo are registered trademarks of Fourth enterprises, LLC. This content is for informational purposes only. Fourth makes no warranties, express or implied, with respect to the content of this document.

## Key features

- On-demand wage access
- Early access to earned pay
- Set savings goals
- Track spending patterns
- Mobile banking features
- Freeze card for security

## Recent user reviews (10 of 35)

All indexed reviews: https://appshunter.io/ios/app/fuego-on-demand-pay/id1583750727/reviews.md

### 2/5 — We need a version for Apple Watch and iPad

*2026-06-15, version 3.25.0*

Everything works pretty good. I like the app but the only thing it’s the users need a version for Another devices, if you see the apps for the banks are available across all the devices, Apple Watch, iPad Mac, and if you want more users on this app, you showed the same. If that happened. I will change it for five stars.

### 5/5 — Convenience

*2026-02-02, version 3.25.0*

Definitely reduce the stress, knowing that if I work eight hours, I have about 100 bucks the next day to use

### 3/5 — Works Great, Except All The Times It Doesn’t

*2025-10-29, version 3.23.0*

System goes down frequently, making their slogan about accessing your money when you want a sick joke.

### 1/5 — Missing funds

*2025-09-27, version 3.22.0*

This app is withholding over 100 worth of temporary hold charges from charges over a month ago?? On the app it says the funds will be returned within 2-5 days. Not 20+. Having no help from either customer service or the other app that submitted the temp holds. Literally stealing money

### 2/5 — Not happy

*2025-09-15, version 3.21.0*

App hasn’t been working for over two weeks now. Been saying “we’re sorry, we’re unable to calculate an offer for you” when I know I have money in there.

### 1/5 — Stolen money

*2025-09-05, version 3.20.1*

I applied from my employer to receive early access to my money and instead someone else has been reconvong my money throw deposits and leaving me with nothing is wild. I reached out because it still says pending verification on my phone and yet never got the money. Had to describe and file a police report . Never will use again and lack of communication is wild

### 1/5 — Concerning and confusing

*2025-07-27, version 3.19.0*

I am extremely concerned with this app. First of all, it doesn’t work on my phone and just freezes or just leaves me on the log in screen no matter how many times I reset my phone, delete the app and download it again, or tap. 

So, I downloaded the app on my iPad, which the app is definitely not designed for. Yes, it is very inconvenient but that is not the worst part. 

I applied for the Fuego Visa card multiple times. I made sure I was using the correct date of birth, numbers, etc. I was denied every single time. Say I give Fuego the benefit of the doubt, and I unlikely got something wrong. There is still no way of an employee or the user to find out why they were denied. I kept trying. I contacted support and spoke with this kind woman who was doing the very best she could. She told me that I would have to wait 15 days to reapply for the Visa card and she couldn’t tell me why I was denied. This wouldn’t really be an issue unless it was so annoying to use other payment methods. They offer other payment methods for a cost, which I mean makes sense, they are a business. But I am very frustrated that there is no way for me to get my tips without having to lose money. I finally caved once and deposited the tips from my Fuego into my checking account, which costed money. BUT for some reason, that option keeps denying and won’t let me use it!? (Yes there are sufficient funds in it, etc).

But…. I am still currently missing my first 2 weeks of tips! It disappeared from my Fuego after a new pay cycle and was not in that paycheck or the paycheck after. The lady I spoke with said it was there and would be in my next paycheck but sounded quite unsure. 

I dislike the nature that there is no website I can use to check my tips in this app especially since it is quite glitchy!

### 1/5 — Glitchy

*2025-04-06, version 3.12.0*

App won’t open. I go to open app and it immediately crashes every time. App totally unusable

### 2/5 — WORST

*2025-02-17, version 3.11.0*

WORST APP, WORST CARD; PERIOD!!!!

### 1/5 — Find a new job

*2025-01-10, version 3.11.0*

Honestly the worst thing my job ever did was switch to this for tip pay out. They don't give you a break down of how much of your money is being tipped out or to who that amount is going to. It only shows whatever you make after tip share. And then they charge you to transfer it into your bank account! We are being robbed of our hard earned money.

## Frequently asked questions about Fuego

### What does the Fuego app do?

The Fuego app allows users to access their earned wages on-demand, meaning you can get paid for hours you've already worked before your official payday. It also provides tools for financial management, such as setting savings goals and tracking spending.

### How can I get my pay early with Fuego?

You can get early access to your pay right after you earn it. Earned wages are typically available within 24 hours of completing a shift. The Fuego Visa Card allows you to get your on-demand pay at no cost, and you can access your pay up to two days early.

### Is there a cost to use Fuego?

There are no inactivity fees, no cost to set up, and no fees associated with wage draws. The Fuego Visa Card can be used to get on-demand pay at no cost. However, a service fee of up to $4.95 may apply, and standard data rates from your wireless service provider may apply.

### What financial management features does Fuego offer?

Fuego helps you take steps toward financial freedom by allowing you to set savings goals and view your earning potential. You can monitor earned and scheduled pay, keep tabs on spending patterns, pay bills on time, and avoid late fees, making it a tool to manage your money effectively.

### Is Fuego available on all mobile devices?

The app offers mobile banking solutions, allowing you to manage your funds, freeze your card, and activate it within the app. You can also add your card to your phone's digital wallet for purchases via Apple Pay or Google Pay. Standard data rates from your wireless service provider may apply.

## Version history (last 5 releases)

### 3.25.0 — 2025-12-19

Tips, explained:
 - Tips Breakdown is now available for organizations using Tip Pooling.
 - See how your tips are calculated and shared, all in one place.

### 3.24.0 — 2025-11-27

Forecast, Meet the Past!
Your Earnings Forecast feature now includes historical views. Jump to earlier dates, check past earnings, and uncover long-term patterns with ease. Update the app to start exploring your earning history!

### 3.23.0 — 2025-10-20

Fewer typos, smoother sign-ups: We’ve added a “re‑type password” step during registration to help catch mistakes before they happen. Less oops, more access.

Smarter card linking: When you link an external card, we now run a quick pre‑verification to check if payments can be sent to it. Even if the card can’t receive payments yet, linking still completes—so you can sort it out without starting over.

### 3.22.0 — 2025-09-22

Transaction Taps Just Got Smarter
 - Get straight to the info you need with one simple tap. Tap any transaction in Cards tab to see its details instantly!

### 3.21.0 — 2025-09-08

- Set it and didn’t forget it? Now you can rewind a scheduled payment — shift the date, tweak the amount, fix the memo, or cancel it outright—before it goes out. Fewer oops, more control, all in a couple of taps.

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## More apps by HotSchedules

- [HotSchedules](https://appshunter.io/ios/app/hotschedules/id294934058)
- [PeopleMatter](https://appshunter.io/ios/app/peoplematter/id496572371)
- [HotSchedules Passbook](https://appshunter.io/ios/app/hotschedules-passbook/id967184526)
- [HotSchedules Reveal](https://appshunter.io/ios/app/hotschedules-reveal/id984049532)
- [HotSchedules Logbook](https://appshunter.io/ios/app/hotschedules-logbook/id1024198077)
- [HotSchedules Inventory](https://appshunter.io/ios/app/hotschedules-inventory/id1024682246)

All apps by HotSchedules: https://appshunter.io/developer/294934061

## Related topics

[fuego](https://appshunter.io/ios/topics/fuego) · [fluego](https://appshunter.io/ios/topics/fluego) · [keep the fees](https://appshunter.io/ios/topics/keep-the-fees) · [papaya pay](https://appshunter.io/ios/topics/papaya-pay)

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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 2026-08-21.*