# myWisely: Mobile Banking — Get paid. Track spend. Save.

> Mobile banking app for early pay, savings, and fee-free transactions. (iPhone/iPad app by ADP, Inc.)

- Source: https://appshunter.io/ios/app/mywisely-mobile-banking/id1438858747 (this page in markdown: same URL + `.md`)
- Developer: [ADP, Inc](https://appshunter.io/developer/363884520)
- Category: Finance
- Price: Free
- Rating: 4.68/5 from 34,763 App Store ratings · 670 written reviews indexed
- Age rating: 12+
- Requires: iOS 16.4 · 82 MB
- Languages: English, Portuguese
- Released: 2019-04-23
- Data updated: 2026-08-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/mywisely-mobile-banking/id1438858747/reviews.md

## What is myWisely?

Download the myWisely app(8) now to start making the most of your money, like getting paid up to 2 days early(1), saving(10) for what you love, and dropping the hidden fees(12). Wisely also moves with you even when you switch jobs(4). 

LEAVE HIDDEN FEES BEHIND(12)
No hidden fees(12). No overdraft fees(9) No minimum balance requirements sneaking up on you.

GET PAID UP TO 2 DAYS EARLY(1) 
Life doesn’t always wait until payday. With Wisely, you could get access to your pay up to 2 days early(1) at no cost(2) to you.   

SHOP AND PAY BILLS(6) 
In store, online, in-app(8) or by phone everywhere Visa® Debit cards are accepted or where Debit Mastercard® is accepted.

GROW YOUR SAVINGS(10)
Save at your own pace and make savings automatic(10) so you do not have to think about it.

(1) You must log in to the myWisely app or mywisely.com to opt-in to early direct deposit. Early direct deposit of funds is not guaranteed and is subject to the timing of payor’s payment instruction. Faster funding claim is based on a comparison of our policy of making funds available upon our receipt of payment instruction with the typical banking practice of posting funds at settlement. If you have a Wisely Pay or Wisely Cash card (see back of your card), this feature requires an upgrade which may not be available to all cardholders.
(2) While this feature is available without a fee, certain other transaction fees and costs, terms, and conditions are associated with the use of this card.  Please log in to the myWisely app or mywisely.com to see your cardholder agreement and list of all  fees for more information.  
(4) If you have a Wisely Pay or Wisely Cash card (see back of your card), this feature requires an upgrade which may not be available to all cardholders.
(5)The number of fee-free ATM transactions may be limited. Please log in to the myWisely app or mywisely.com and see your cardholder agreement and list of all fees for more information.
(6)The bill pay feature, powered by Papaya, is available through the myWisely app. Additional terms and limits apply. This optional offer is not a Fifth Third Bank, Pathward or a [Mastercard, Visa] product or service, nor does Fifth Third Bank, Pathward or [Mastercard, Visa] endorse this offer.
(7) Ingo Money is operated by Ingo Money, Inc., and all check funding services are provided by First Century Bank, N.A. See complete terms, fees and conditions at: Ingomoney.com/termsconditions.html
(8) Standard message and data rates may apply.
(9) Because this card is prepaid, you can only spend what is on the card and thus are unable to overdraft.
(10) Amounts transferred to your savings envelope will no longer appear in your available balance. You can transfer money from your savings envelope back to your available balance at any time using the myWisely app mobile app or at mywisely.com.
(12) To view applicable fees, please log in to the myWisely app or mywisely.com to see your card- holder agreement and list of all fees for more information.

The Wisely Pay Visa® is issued by Fifth Third Bank, N.A., Member FDIC or Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Wisely Pay Mastercard® is issued by Fifth Third Bank, N.A., Member FDIC or Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. The Wisely Direct Mastercard is issued by Fifth Third Bank, N.A., Member FDIC. ADP is a registered ISO of Fifth Third Bank, N.A., or Pathward, N.A. The Wisely Pay Visa card can be used everywhere Visa debit cards are accepted. Visa and the Visa logo are registered trademarks of Visa International Service Association. The Wisely Pay Mastercard and Wisely Direct Mastercard can be used where debit Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 

ADP, the ADP logo, Wisely, myWisely, and the Wisely logo are registered trademarks of ADP, Inc. Copyright © 2022 ADP, Inc. All rights reserved.

## Key features

- Get paid up to 2 days early
- Save for goals automatically
- No hidden or overdraft fees
- Track spending
- Pay bills
- Works with job changes

## Chart rankings

- #112 in Top Free · Finance (US App Store)

## What do users think of myWisely?

Overall sentiment: negative

**Pros**

- 🚀 Quick direct deposits
- 💰 Convenient for receiving paychecks
- 📈 Helpful budgeting and savings features

**Cons**

- 🤖 Poor customer service and lack of human support
- 🔒 Account lockouts and difficulties accessing funds
- 💳 Unreliable card functionality and activation issues
- 💰 Unexpected fees and charges

**Commonly reported bugs**

- Recurring issues with card activation and verification
- Inconsistent deposit timing and processing
- Unexplained account lockouts and access problems

**Most requested features**

- Ability to instantly transfer funds to external accounts
- Improved mobile app experience and user interface
- Clearer communication on account status and changes

## Recent user reviews (10 of 670)

All indexed reviews: https://appshunter.io/ios/app/mywisely-mobile-banking/id1438858747/reviews.md

### 5/5 — My card

*2026-08-25, version 26.6.0*

I love it

### 4/5 — Cool cool

*2026-08-25, version 26.6.0*

Keep adding features maybe a cash back for eating out and fix the chat bug where you can’t type, and round ups won’t let me accept the terms,  also let us change username one more time, thanks wise

### 1/5 — Decepción

*2026-08-24, version 26.6.0*

I got fraud on my credit card,
I reported it they cancelled my card my account,
I call for a new card they ask me my information id social security 
I send it to them,
And now they told me to no have access anymore with myWisely account because department security told them I’m not eligible for new card and new account 💀

### 5/5 — Had it for years and hasn’t let me down

*2026-08-23, version 26.6.0*

With their constant updates and refinements made to the app and cards themselves, I’m glad I’ve kept my wisely account and renewed my cards when they expire. Compared to when I first got this card/app, it’s night and day and for the better.

### 5/5 — USED THEM FOR YEARS

*2026-08-22, version 26.6.0*

I love this bank never had any issues and honestly doesn’t charge to use first starting bank it’s amazing

### 5/5 — Best

*2026-08-22, version 26.6.0*

Love this Card # Best Buy for thank you hire Quest

### 5/5 — Na

*2026-08-21, version 26.6.0*

Na

### 5/5 — Love myWisely account

*2026-08-20, version 26.6.0*

Love it

### 5/5 — Easy to use

*2026-08-20, version 26.6.0*

It is a very helpful and easy to use app for my money management needs

### 5/5 — Really easy to use

*2026-08-20, version 26.6.0*

Fast and simple app.

## Frequently asked questions about myWisely

### What does the myWisely app do?

The myWisely app helps you manage your money by providing early access to your paychecks, allowing you to save for your goals, and eliminating hidden banking fees. It also enables you to track your spending and pay bills conveniently.

### How can I get paid early with myWisely?

To get paid up to 2 days early, you need to log in to the myWisely app or mywisely.com and opt-in to early direct deposit. This feature is subject to the timing of your employer's payment instructions.

### Are there any fees associated with using myWisely?

myWisely is designed to be fee-free, with no hidden fees, overdraft fees, or minimum balance requirements. However, it's always recommended to check your cardholder agreement for any specific transaction fees or terms.

### Can I use myWisely if I switch jobs?

Yes, the app is designed to move with you even when you switch jobs. If you have a Wisely Pay or Wisely Cash card, this feature may require an upgrade, which might not be available to all cardholders.

### How does the savings feature work?

The app allows you to grow your savings at your own pace and make savings automatic. You can transfer money to your savings envelope, and it will no longer appear in your available balance. You can transfer funds back to your available balance anytime through the app or website.

## Version history (last 5 releases)

### 26.6.0 — 2026-02-04

We’ve refreshed Wisely to make your life easier. We're continuing to optimize your myWisely experience with bug fixes and improvements.

### 25.41.0 — 2025-10-04

We’ve refreshed Wisely to make your life easier. We're continuing to optimize your myWisely experience with bug fixes and improvements.

### 25.26.0 — 2025-06-18

We’ve refreshed Wisely to make your life easier. We're continuing to optimize your myWisely experience with bug fixes and improvements.

### 24.49.0 — 2024-12-11

We’ve refreshed Wisely to make your life easier. We're continuing to optimize your myWisely experience with bug fixes and improvements.

### 24.38.0 — 2024-09-25

We’ve refreshed Wisely to make your life easier. We're continuing to optimize your myWisely experience with bug fixes and improvements.

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## More apps by ADP, Inc

- [ADP RUN](https://appshunter.io/ios/app/adp-run/id388928133)
- [ADP Mobile Solutions](https://appshunter.io/ios/app/adp-mobile-solutions/id444553167)
- [ADP SLM](https://appshunter.io/ios/app/adp-slm/id1039309775)
- [ADP Workforce Now On the Go](https://appshunter.io/ios/app/adp-workforce-now-on-the-go/id1322483765)
- [ADP Time Kiosk](https://appshunter.io/ios/app/adp-time-kiosk/id1455253414)

All apps by ADP, Inc: https://appshunter.io/developer/363884520

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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 2026-08-28.*