# Refyne > Financial wellness platform offering salary advances, UPI payments, digital gold, and financial tools. (iPhone/iPad app by Refyne Tech Private Limited.) - Source: https://appshunter.io/ios/app/refyne/id1628740208 (this page in markdown: same URL + `.md`) - Developer: [Refyne Tech Private Limited](https://appshunter.io/developer/1628740210) - Category: Finance - Price: Free - Rating: 3.99/5 from 545 App Store ratings · 21 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 107 MB - Languages: American English - Released: 2022-07-12 - Data updated: 2026-08-29 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/refyne/id1628740208/reviews.md ## What is Refyne? Refyne is one of India’s most trusted Financial Wellness platforms. Refyne has a wide range of products including UPI Scan and Pay, Salary On-Demand, Digital Gold and Insurance and is a One-Stop Shop for all your financial needs. Refyne Offers: * Salary On-Demand - Access funds up to 1.5x of salary * Money Guru - Access expert financial tips and tools like Tax & Home Loan Calculator, PF tracker, Credit score check and more * Gold Savings - Save in 24K Digital Gold starting from ₹10, 99.5% Pure Gold with doorstep delivery of physical gold Refyne has partnered with RBI-authorised NBFCs - * Refyne Finance Private Limited (https://www.refynefinance.com/our-digital-partners) Important Things to Note About Refyne Salary On-Demand - * Loan Amount: Rs 1,000 to Rs 10,00,000 * Minimum Annual Percentage Rate (APR): 8%, * Maximum Annual Percentage Rate: 36% (reducing balance) * Minimum repayment period: 90 days, Maximum repayment period: 24 months * Processing Fees: Max (₹350 + GST, Up to 1%-5% of loan amount plus GST) * Prepayment Fees: Zero * Late fee: Zero Below is an example of the fee breakup for a Salary On-Demand transaction: * Loan Amount: ₹10,000 * Minimum repayment period: 3 months * Maximum repayment period: 12 months * Interest rate: 0% (for the first 3 months), 4th month onward, 16% p.a. reducing * Processing fee: ₹99 * GST on processing fee: ₹18 * Total interest: ₹678 (calculated from 4th to 12th month, in total 9 months) * APR: 16% * Disbursed amount: ₹9,883 * Total loan repayment amount: ₹10,678 Our policies & services are fully regulated & 100% compliant with NPCI and RBI guidelines. Eligibility Criteria: * Indian nationality * Applicant's age should be 21 & above * Only for employees of partnered companies. This is a closed marketplace and is not intended for public use. * The user must be an active employee of the partner company for at least three months and have signed employment agreement forms with their employer. Documents Required: * PAN * Aadhaar * Employment details How to use Refyne App: * Sign up with your number or work email * Complete the KYC process and add the bank account * Enter the Amount to be withdrawn * Automatic deduction takes place as per the agreed repayment schedule Privacy Policy: https://www.refyne.co.in/privacy Terms & Conditions: https://www.refyne.co.in/terms In case of any query, reach us at : support@refyne.co.in OR 080-64899999 Address: Prestige Pegasus, Sarjapur - Marathahalli Rd, Ambalipura, Haralur, Bengaluru, Karnataka 560103 Disclaimer: The application is SSL-certified, and all transactions are 100% safe and secure. ## Key features - Salary On-Demand access - UPI Scan and Pay - Digital Gold savings - Financial tips and calculators - Credit score checks - Loan and insurance products ## Recent user reviews (10 of 21) All indexed reviews: https://appshunter.io/ios/app/refyne/id1628740208/reviews.md ### 5/5 — User-friendly design *2026-05-22* The interface is clean, easy to navigate, and well thought out. Even first-time users can use it without confusion. ### 5/5 — Easy and quick process *2026-05-20* The application is extremely user-friendly. From login to withdrawal, everything is well-designed and efficient. Funds are credited quickly, making it ideal for urgent requirements. ### 5/5 — Great for gig workers *2026-05-20* As someone working as a Swiggy Order Delivery role, managing cash flow is important. Refyne helps me access what I’ve already earned without waiting for fixed payout cycles. It has been very useful in maintaining financial flexibility. ### 5/5 — Helped me fix my phone *2026-05-20* When my phone suddenly stopped working, I needed money urgently for repairs. Instead of borrowing from someone, I used Refyne provided by Deloitte to access my salary early. The process was seamless and solved my problem instantly. ### 5/5 — Very helpful before salary day *2026-05-20* The days leading up to payday can sometimes be financially tight. Refyne has been extremely helpful in bridging that gap by allowing access to earned salary without waiting. It provides a strong sense of financial control and peace of mind. ### 5/5 — Efficient platform *2026-05-15* The platform is designed for efficiency. Every step is optimized for speed and simplicity, which makes it highly practical. ### 5/5 — Useful during family functions *2026-05-09* I had a family function coming up and needed additional funds for expenses. Refyne allowed me to access my salary easily, helping me manage everything without stress or last-minute arrangements. ### 5/5 — Very helpful before salary day *2026-05-08* The days leading up to payday can sometimes be financially tight. Refyne has been extremely helpful in bridging that gap by allowing access to earned salary without waiting. It provides a strong sense of financial control and peace of mind. ### 5/5 — Very usefull App *2026-05-08* I recently faced an unexpected medical expense at home and needed immediate access to funds. Refyne made it incredibly easy to access my earned salary without any delays. The process was smooth, quick, and genuinely reassuring during a stressful time. ### 5/5 — The real financial helper *2026-03-06* I have been using the Refyne app for the last 8 months. It helps me a lot when I need money before my salary. The process is quick and very simple. ## Frequently asked questions about Refyne ### What is Refyne? Refyne is a financial wellness platform that offers services like Salary On-Demand, UPI payments, and digital gold savings. It aims to be a one-stop shop for various financial needs. ### What are the loan terms for Refyne Salary On-Demand? Loan amounts range from ₹1,000 to ₹10,00,000 with an Annual Percentage Rate (APR) between 8% and 36%. Repayment periods are from 90 days to 24 months. Processing fees can be up to 7% of the loan amount plus GST, but there are no prepayment or late fees. ### How does Refyne ensure security for UPI payments? Refyne requests SMS read, write, and receive permissions to complete SIM Binding for UPI account creation. These permissions are mandatory as per NPCI guidelines for UPI account creation and payments. ### Who is eligible to use Refyne? Eligibility requires Indian nationality, an age of 21 and above, and employment with a partnered company for at least three months. It operates as a closed marketplace for employees of these specific companies. ### Does Refyne have ads? Yes, Refyne contains advertisements. This is indicated by the 'hasAds' flag in its data. ### What financial tools does Refyne offer? Refyne provides access to expert financial tips and tools, including a Tax Calculator, Home Loan Calculator, PF tracker, and a Credit score check feature. ### How can I save in digital gold with Refyne? You can save in 24K Digital Gold starting from ₹10, which is 99.5% pure gold. Refyne also offers doorstep delivery of physical gold. ### What documents are needed to use Refyne? To use Refyne, you will need to provide your PAN, Aadhaar, and employment details as part of the KYC process. ## Version history (last 5 releases) ### 1.54.0 — 2026-08-27 Bug fixes and performance improvements. We’ve tuned up the engine to make your Refyne experience faster and more reliable. ### 1.53.0 — 2026-08-24 Bug fixes and performance improvements. We’ve tuned up the engine to make your Refyne experience faster and more reliable. ### 1.52.0 — 2026-08-21 Bug fixes and performance improvements. We’ve tuned up the engine to make your Refyne experience faster and more reliable. ### 1.51.0 — 2026-07-03 Bug fixes and performance improvements. We’ve tuned up the engine to make your Refyne experience faster and more reliable. ### 1.50.0 — 2026-05-20 Bug fixes and performance improvements. We’ve tuned up the engine to make your Refyne experience faster and more reliable. ## Apps similar to Refyne | App | Rating | Price | Category | | --- | --- | --- | --- | | [B9: Cash Advance](https://appshunter.io/ios/app/b9-cash-advance/id1552004842) | 4.5 (21,035) | Free | Finance | | [FairMoney: Save, Spend, Credit](https://appshunter.io/ios/app/fairmoney-save-spend-credit/id6456485223) | 4.6 (14,343) | Free | Finance | --- *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 2026-08-29.*