Spentra

Spentra

Access Your Pay, Your Way

943 ratings
24 reviews
Free

Details

  • Released
  • Updated
  • February 19, 2019
  • July 16, 2026

Features

Spentra screenshot #1 for iPhone
Spentra screenshot #2 for iPhone
Spentra screenshot #3 for iPhone
Spentra screenshot #4 for iPhone
Spentra screenshot #5 for iPhone
🖼️Get Icon
Icons↘︎

About

Access earned wages early and manage your pay with a dedicated payroll card. This solution offers instant access to a portion of your net wages before your payday, improving financial stability. Take control of your finances with features like card management, transaction alerts, and surcharge-free ATM access.

Early access to earned wages
Manage payroll card
Instant transaction alerts
Block/unblock card
Surcharge-free ATM finder
No card or maintenance fees
Show original description

What users say

See all reviews

What's New in Spentra

15.4.0

July 16, 2026

We update the app regularly so we can make it better for you. The latest version contains bug fixes, usability, and performance improvements.

User reviews

Activity Therapy

Nice when you short on funds

Not updating

My app hasn’t updated since July 3rd so I haven’t been able to access any of my money since the second no one in customer service on the weekends. Anyone else have the same issue

Poor service

Unsafe!

Is not secure

I had money taken out on my account count

Best Invention/ AppEver!!

I had never heard of this payroll app until I started my new job. Being in the F& B industry this is extremely useful especially when you have to wait twice a month to get paid. I actually squealed like a schoolgirl during orientation when the instructor was explaining on how this card can give you your hard wages without having to wait for payroll to go through. Sometimes we are only short a few dollars short until next pay day, need to pay a bill ASAP or an emergency, this app can give you that option to manage your finances without worrying about the stress of waiting to receive your direct deposit!
Show more

User experience

🐞

Reported Bugs

2 issues

App not updating since July 3rd

Bug

Card never showed up

Bug

Requested Features

2 requests

Card to account transfer feature

Feature

Surcharge-free ATM access

Feature

FAQ

What is Spentra?

Spentra is a pay access solution that provides employees with early access to their earned wages through a dedicated Mastercard® Payroll Card. It's designed to improve financial stability by allowing users to get up to 50% of their net wages before their official payday.

How does the early wage access feature work?

The patented Money Earned® feature allows you to access up to 50% of your already earned net wages in advance of your paycheck date. This means you can get a portion of your pay when you need it, without waiting for your regular payday.

Is there a cost to use the Spentra card or app?

The Spentra Mastercard® Payroll Card has no fee for the card itself, no monthly maintenance fees, no minimum balance fees, and no ACH deposit fees. The app is also free to download and use for managing your account.

What are the benefits of using the Spentra app?

The Spentra app allows you to enroll and manage your card directly, receive instant transaction alerts, block and unblock your card, and find over 55,000 surcharge-free Allpoint ATMs. It provides a convenient way to manage your money and access your funds.

Who is eligible to use Spentra?

Eligibility for Spentra is through your employer. If your employer offers the Spentra Mastercard® Payroll Card as a benefit, you can download the app, request your card, and begin managing your pay. If your employer does not currently offer it, they can contact Spentra to learn more.