# Spentra — user reviews > 24 indexed App Store user reviews of Spentra by Spentra, LLC, rated 4.80/5 from 942 ratings. - Source: https://appshunter.io/ios/app/spentra/id1449725820/reviews - App overview in markdown: https://appshunter.io/ios/app/spentra/id1449725820.md - Rating breakdown: 5★ 867 · 4★ 40 · 3★ 14 · 2★ 3 · 1★ 18 ## 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 ## Newest reviews (9 of 24) ### 5/5 — Convenient and free *2022-04-13* My first time using it was for a electric bill. It really helped me out in a tight spot. ### 5/5 — Convenient *2022-04-13* Able to loadmoney easily. Helpful when you have unexpected expenses. ### 5/5 — Easy to use *2022-04-13* Easy access to available earnings when needed and a life saver. ### 5/5 — My new favorite app! *2022-04-12* This app is a game changer and so simple to use. ### 5/5 — Awesome card! *2022-04-12* This card is ideal, it allows me to get my money before “payday” which is when I often need it.....no more late charges : ) The block feature allows me to simply turn my card on and off at the touch of a button. This make me feel so much better just know that my card is protected. Thank you Spentra! ### 5/5 — One Great Card *2022-04-12* So I thought I’d come back after over 3 years of using my Spentra card and comment on my experience. I have been extremely please with this cards performance and the people working to make it so seamless. The ease of use on pushing some of my earnings when needed is awesome. I love being able to lock and unlock the card so quickly and that gives me one heck of a sense of security with my money. Love it! So thanks to all for such a great card! ### 5/5 — Card never showed up. *2021-08-07* Starting to wonder if this even legit. They have my info, I’m left with promises of “Oh we’re sure your card is on its way” nearly a month and counting. Hope my ID has not been stolen. ### 5/5 — Excellent App! *2020-09-09* Love the app. Very useful! ### 5/5 — Best thing since sliced bread *2020-01-15* Man what an awesome benefit my employer offers their employees with the Spentra card. The ability to take a portion of my paycheck before i even get paid. I know I’m not the only person in the U.S. living paycheck to paycheck and sometimes that rent is due before payday comes around. This card has helped me so much just “getting through the week”. A real lifesaver. ## Most critical reviews (10 lowest-rated) ### 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 ### 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 — 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 ### 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 — Activity Therapy *2025-09-07* Nice when you short on funds ### 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! ### 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😀 ## Most praised reviews (5 highest-rated) ### 5/5 — Easy and Convenient! *2022-04-13* This card is a life saver!! It is amazing knowing that if i am running a little short on cash i can always get an advance on my check!! ### 5/5 — Easy use *2022-04-13* Does what I need. Tells me my amount Transfer quick Money in hand ### 5/5 — Highly recommended *2022-04-13* Spentra is a great app, This program is super beneficial when you are behind on your bills. Spentra allows you to use your earned money in advance then pay it back from your paycheck on payday. The fact that there are no interest rates is amazing!! Spentra has helped me stay out of debt. I am truly satisfied with Spentra. ### 5/5 — Good for emergencies *2022-04-13* When I’m short on cash and it’s not payday yet I can get a few dollars from Spentra to make it until payday ### 5/5 — Emergency life saver *2022-04-13* Very convenient when you fall short when bills are due. Also east to use --- *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.*