# Spentra — Access Your Pay, Your Way > Employer-sponsored payroll card for early wage access and financial management. (iPhone/iPad app by Spentra, LLC.) - Source: https://appshunter.io/ios/app/spentra/id1449725820 (this page in markdown: same URL + `.md`) - Developer: [Spentra, LLC](https://appshunter.io/developer/1440521985) - Category: Finance - Price: Free - Rating: 4.80/5 from 942 App Store ratings · 24 written reviews indexed - Age rating: 17+ - Requires: iOS 14.0 · 48 MB - Languages: American English, European Spanish - Released: 2019-02-19 - Data updated: 2026-08-22 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/spentra/id1449725820/reviews.md ## What is Spentra? A complete pay access solution designed to improve financial stability. Get early access to earned wages anytime, anywhere. The Spentra Mastercard® Payroll Card featuring Money Earned® is an employer-sponsored benefit. It was designed from the ground up to provide an employee with a better option to get and manage their pay. Money Earned® is our proprietary patented product that allows you instant access to up to 50% of your already earned net wages in advance of your paycheck date. If your employer already offers the Spentra Card just download the app, request your card, and begin to manage the money you know you have. If your employer does not currently offer the Spentra Card, just have them contact us at info@spentra.com and we will be glad to make that happen. Take control of your money and align what matters to you…today. MANAGE AND ENJOY YOUR SPENTRA ACCOUNT • Enroll and manage your card directly from the Spentra app • Instant transaction alerts* anytime you use the Spentra Card • Block and unblock your card directly from the app • Interactive surcharge-free ATM finder from the app • Over 55,000 surcharge-free Allpoint ATMs • No fee for the card • No monthly maintenance fees • No minimum balance fees/requirements • No ACH deposit fees • Friendly and responsive customer support • FDIC insured up to $250,000 through Patriot Bank, N.A., Member FDIC • Our patented benefit - Money Earned® *Standard message and data rates from your wireless service provider may apply. The Spentra Mastercard® Payroll Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Consult your Cardholder Agreement and the Fee Schedule for fees, terms, and conditions associated with the approval, maintenance, and use of the Card. The Card may be used everywhere Mastercard debit cards are accepted. Restrictions apply; see Cardholder Agreement for details. Spentra Card is not offered in New York. The Money Earned® feature provided by Spentra, LLC is not sponsored, endorsed, administered by, or associated with Patriot Bank, N.A. who has no liability in relation to the service. ## Key features - Early access to earned wages - Manage payroll card - Instant transaction alerts - Block/unblock card - Surcharge-free ATM finder - No card or maintenance fees ## What do users think of Spentra? Overall sentiment: positive **Pros** - 🚀 Easy and convenient - 💡 Helpful for emergencies and unexpected expenses - 👍 Secure transactions - 👍 Ability to access earned wages instantly **Cons** - 🐛 App not updating - 🔒 Security issues, money taken from account - 💰 Fees for withdrawals and card changes **Commonly reported bugs** - App not updating since July 3rd - Card never showed up **Most requested features** - Card to account transfer feature - Surcharge-free ATM access ## Recent user reviews (10 of 24) All indexed reviews: https://appshunter.io/ios/app/spentra/id1449725820/reviews.md ### 5/5 — Activity Therapy *2025-09-07* Nice when you short on funds ### 2/5 — Not updating *2025-07-07* 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 ### 1/5 — Poor service *2025-01-19* Unsafe! ### 1/5 — Is not secure *2025-01-04* I had money taken out on my account count ### 5/5 — Best Invention/ AppEver!! *2024-07-29* 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! ### 5/5 — Best Invention/ AppEver!! *2024-07-27* 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! ### 1/5 — Employee *2024-02-26* So this is not a good money option always a fee for withdrawal- change your card is also a fee I called customer service when I received the new card upon not requesting it and they guy was the rudest most disrespectful customer service I have had it a while. He would not tell me his name and he completely made the company look like absolute garbage by not just pushing me through to someone else that was able to help ### 2/5 — Surcharge free atms have been charging for withdrawals lately. *2022-10-20* Getting charged at surcharge free ATMs? Also the card to account transfer still coming soon? ### 5/5 — Easy and Secure Transactions *2022-04-13, version 11.0.0* First debit platform I’ve ever used. Historically I’ve maintained a pretty traditional approach to manage finances; Cash, check, credit. Tried Spentra for the ability to direct paycheck funds directly to a card when I want, instead of navigating the path of a traditional bank transaction. Mobile app interface is simple, clean and easy to engage, even I can do it! The platform offers mapping to locate ATM’s in your area that service free of transaction fees… we like that. Can use on Amazon, etc., like any debit card Carried on vacation instead of flashing credit cards or carrying more cash than necessary. Running low, no problem, this gives you the ability to redirect paycheck “credits” to your card instantly to fill in any gaps… able to lock and receive transaction notifications instantly. So far it’s a very handy tool. Thanks Spentra! KG ### 5/5 — Acceso rápido a dinero *2022-04-13, version 11.0.0* Me ayuda a acceder efectivo inmediatamente en emergencias o el supermercado😀 ## Frequently asked questions about Spentra ### 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. ## Version history (last 5 releases) ### 15.5.0 — 2026-08-11 We update the app regularly so we can make it better for you. The latest version contains bug fixes, usability, and performance improvements. ### 15.4.0 — 2026-07-16 We update the app regularly so we can make it better for you. The latest version contains bug fixes, usability, and performance improvements. ### 15.2.0 — 2026-04-06 We update the app regularly so we can make it better for you. The latest version contains bug fixes, usability, and performance improvements. ### 15.1.0 — 2026-03-04 We update the app regularly so we can make it better for you. The latest version contains bug fixes, usability, and performance improvements. ### 15.0.0 — 2026-01-21 We update the app regularly so we can make it better for you. The latest version contains bug fixes, usability, and performance improvements. ## Apps similar to Spentra | App | Rating | Price | Category | | --- | --- | --- | --- | | [Payday Today](https://appshunter.io/ios/app/payday-today/id1624451120) | 1.0 (1) | Free | Finance | | [PaySurge](https://appshunter.io/ios/app/paysurge/id6451176163) | 3.2 (17) | Free | Finance | | [FlexWage](https://appshunter.io/ios/app/flexwage/id541117526) | 4.8 (990) | Free | Finance | | [CloudPay](https://appshunter.io/ios/app/cloudpay/id1529573699) | — | Free | Finance | | [Fuego: On-Demand Pay](https://appshunter.io/ios/app/fuego-on-demand-pay/id1583750727) | 4.2 (234) | Free | Finance | | [Emerald Express Cash](https://appshunter.io/ios/app/emerald-express-cash/id1591261462) | 2.7 (3) | 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 2026-08-22.*