# h.way > Community-focused financial app with debit card, early payday, and fee-free ATMs. (iPhone/iPad app by numi apps.) - Source: https://appshunter.io/ios/app/hway/id1635450512 (this page in markdown: same URL + `.md`) - Developer: [numi apps](https://appshunter.io/developer/1635450514) - Category: Finance - Price: Free - Rating: 3.40/5 from 97 App Store ratings · 55 written reviews indexed - Age rating: 4+ - Requires: iOS 9.0 · 310 MB - Languages: English, Spanish - Released: 2022-12-16 - Data updated: 2026-08-21 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/hway/id1635450512/reviews.md ## What is h.way? h.way allows you to do MONEY YOUR WAY. Sign up with your passport or valid license; no SSN is needed if you don't have one. Keep your account WITHOUT having a minimum balance and without surcharges. Plus, your funds will be kept in an FDIC-insured institution. We understand our community's money culture and have created an experience around it. Our goal is to help our community spend wisely, save, and invest for progress. Our benefits include: -Mastercard® debit card, with ID Theft Protection, which helps protect against identity theft 24/7. -Early payday: cash your paycheck up to two days earlier -Apple Pay and Google Pay -Access to around 55,000 ATMs without surcharges -Send money to other h.way users instantly and without surcharges. -Freeze and unfreeze your account from the app. You can learn more about h.way by visiting our website, www.h-way.com, or downloading the h.way app. * For Terms and Conditions, visit www.h-way.com. ** YOUR FUNDS ARE INSURED UP TO $250,000 BY THE FDIC IN THE EVENT METROPOLITAN COMMERCIAL BANK FAILS IF SPECIFIC DEPOSIT INSURANCE REQUIREMENTS ARE MET, AND YOUR CARD IS REGISTERED, visit https://www.fdic.gov/deposit/deposits/prepaid.html *** The h.way prepaid Mastercard is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a lincese from Mastercard. "Metropolitan Commercial Bank" and "Metropiolitan" are registered trademarks of Metropolitan Commercial Bank ©2020-2022 ## Key features - No SSN required for signup - No minimum balance or surcharges - FDIC-insured funds - Mastercard debit card with ID theft protection - Early payday access - Fee-free ATM network - Instant money transfers ## Recent user reviews (10 of 55) All indexed reviews: https://appshunter.io/ios/app/hway/id1635450512/reviews.md ### 5/5 — Hispanic Way *2024-09-26, version 3.7.18* I love how this Bank is aligned with the Hispanic community. Great app ### 1/5 — No way to sign up *2024-06-17, version 3.7.18* Once you download the app, you can log in, but there’s no place to sign up. There’s text that says “sign up” and an arrow, but nothing clickable. ### 1/5 — App keeps crashin on login *2024-05-12, version 3.7.18* Every time I try to login the app keeps crashing. I can not access my account. ### 1/5 — Really bad bank *2024-03-16, version 3.7.13* Este banco no es seguro ### 1/5 — No customer support at all *2024-03-12, version 3.7.13* NO CUSTOMER SUPPORT AT ALL. I put an incorrect pin three times, and they asked me to call their support. I called several times and they hang after 5 minutes of waiting, their whatsapp number is not responsive. I'm glad I only had a few dollars in this account!! If I had thousands I would be very mad. ### 1/5 — Terrible app *2024-03-11, version 3.7.13* Piggy bank won’t transfer my money and the costumer service keep hanging up on me before I even get a representative I’m out of $376.46 right now that’s stuck in my piggy bank ### 1/5 — Scammed *2024-03-07, version 3.7.13* I have not use this account to have my account locked for identity theft and you can’t contact no one or you can’t have no one money locked up and when I call no one answers and they switched up everything ### 1/5 — Terrible *2024-02-21, version 3.7.13* They locked my account randomly, support doesn’t respond to emails. What a joke, stick with a real bank. ### 1/5 — My account was blocked! *2024-02-08, version 3.7.13* Y’all sent me an identity verification and I completed it and it said everything was all set. Then I get a message saying my account is blocked. I will be pursuing legal action if y’all don’t unlock my account. My paycheck is supposed to be deposited tonight and I live paycheck to paycheck so I can’t afford not to have access to it. ### 1/5 — DONT USE THIS APP IT IS TERRIBLE *2024-02-05, version 3.7.13* customer service is non existent, call their 1800 number and find out for yourself. Do yourself a favor and do not use this fake banking platform. They steal your money and do not help their current customers not by phone not by email not by whatsapp it is just beyond despicable. I really tried to give them a shot with involving them in my finances and they have let me down again and again and AGAIN. I will be writing a government agency that can regulate that oversees their license because it needs to be pulled and shut down! Worst experience I have ever had in my entire life, and I’ve banked with a handful amount of institutions. Run away and do not think twice about this app. ## Frequently asked questions about h.way ### What is h.way? h.way is a financial app designed to offer a banking experience tailored to community needs. It allows users to manage their money without requiring a minimum balance or incurring surcharges. The app provides a Mastercard debit card, early access to paychecks, and access to a large network of fee-free ATMs. ### How do I sign up for h.way? You can sign up for h.way using your passport or a valid license. The app is designed to be accessible, and you do not need an SSN if you don't have one. This makes it easier for a wider range of individuals to open an account. ### Are my funds safe with h.way? Yes, your funds are kept in an FDIC-insured institution. This means your money is protected up to $250,000 by the FDIC in the event that Metropolitan Commercial Bank fails, provided specific deposit insurance requirements are met and your card is registered. ### What are the benefits of using h.way? h.way offers several benefits, including a Mastercard debit card with 24/7 ID Theft Protection, the ability to receive your paycheck up to two days earlier, access to around 55,000 ATMs without surcharges, and instant, fee-free money transfers to other h.way users. You can also freeze and unfreeze your account directly from the app. ### Is h.way free to use? Based on the provided information, the app itself is free to download and use, with no minimum balance requirements or surcharges mentioned for basic account operations. The monetization model appears to be free, focusing on providing financial services without upfront costs or ongoing fees for standard usage. ## Version history (last 5 releases) ### 3.7.18 — 2024-04-15 As we transition to a new sponsor bank, we’ve updated our user experience. Features such as card requests, Apple Pay, Google Pay, and transfers from other banks will become unavailable. These changes are designed to minimize inconvenience for our current clients as we plan our onboarding to the new sponsor bank. ### 3.7.17 — 2024-04-12 As we transition to a new sponsor bank, we’ve updated our user experience. Features such as card requests, Apple Pay, Google Pay, and transfers from other banks will become unavailable. These changes are designed to minimize inconvenience for our current clients as we plan our onboarding to the new sponsor bank. ### 3.7.13 — 2024-01-31 This version allows diacritical marks (á,é,í,ó,ú) and the letter “Ñ” on h.way accounts and cards. Enter your name and last name, which should be correctly written during sign-up. Also, this version allows your onboarding with Mexico, Colombia, and Peru cell phones for users with legal US addresses—more countries to come. We’ve also improved the app by adding card requesting and activation functionalities, zapped bugs, and optimized processes to make your experience smooth and productive. ### 3.6.5 — 2023-11-15 This new version of h.way enables international money transfers to Latin America. From your h.way app, you can now send money from the U.S. to your relatives and friends abroad at a fair exchange rate. We've also improved the app's performance and stability by fixing bugs and optimizing some processes to make your experience more enjoyable and productive. ### 3.6.4 — 2023-11-07 This new version of h.way enables international money transfers to Latin America. From your h.way app, you can now send money from the U.S. to your relatives and friends abroad at a fair exchange rate. We've also improved the app's performance and stability by fixing bugs and optimizing some processes to make your experience more enjoyable and productive. ## Apps similar to h.way | App | Rating | Price | Category | | --- | --- | --- | --- | | [Dora – Mobile Checking](https://appshunter.io/ios/app/dora-mobile-checking/id1528758595) | 3.6 (67) | Free | Finance | | [MyBambu](https://appshunter.io/ios/app/mybambu/id1477390666) | 4.8 (30,721) | Free | Finance | | [GreenFi - Mobile Banking](https://appshunter.io/ios/app/greenfi-mobile-banking/id1074342516) | 4.7 (30,567) | Free | Finance | | [Pana: Global Dollar Account](https://appshunter.io/ios/app/pana-global-dollar-account/id1612431187) | 4.8 (1,338) | Free | Finance | | [Slash Banking](https://appshunter.io/ios/app/slash-banking/id1637779478) | 4.6 (271) | Free | Finance | | [Restart - Mobile Banking App](https://appshunter.io/ios/app/restart-mobile-banking-app/id1576922155) | 4.0 (83) | Free | Finance | ## More apps by numi apps - [h.way Send](https://appshunter.io/ios/app/hway-send/id6463562336) - [h.way Ask](https://appshunter.io/ios/app/hway-ask/id6463562362) - [$END](https://appshunter.io/ios/app/end/id6463563565) - [A$K](https://appshunter.io/ios/app/ak/id6463563687) - [Kash Send](https://appshunter.io/ios/app/kash-send/id6463563947) All apps by numi apps: https://appshunter.io/developer/1635450514 --- *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.*