# XtraPOWER by PAYOMATIC — Complete Money Management

> Money management app for tracking spending, balances, and transfers. (iPhone/iPad app by PAYOMATIC.)

- Source: https://appshunter.io/ios/app/xtrapower-by-payomatic/id1436035625 (this page in markdown: same URL + `.md`)
- Developer: [PAYOMATIC](https://appshunter.io/developer/1436035624)
- Category: Finance
- Price: Free
- Rating: 4.50/5 from 661 App Store ratings · 86 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.4 · 41 MB
- Languages: American English
- Released: 2018-09-24
- Data updated: 2026-08-26
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/xtrapower-by-payomatic/id1436035625/reviews.md

## What is XtraPOWER by PAYOMATIC?

XtraPOWER creates a seamless experience that tracks all of your spending activity with PAYOMATIC. Have immediate access to transactions made in any PAYOMATIC location & on your inPOWER Card. Get personalized offers and discounts based on your activity. Have your PAYOMATIC store transaction receipts emailed to you. Link your inPOWER Card to see every card transaction and real time balance, share money** 24/7 with speed, convenience and security. Set up Direct Deposit to your inPOWER Card and get paid up to 2 days faster!* 

The XtraPOWER Experience:

FULL ACCESS
See all of your PAYOMATIC and inPOWER Card activity, anytime, anywhere.

SIGN UP FOR DIRECT DEPOSITGet access to your money earlier* when you get direct deposit to your inPOWER Card. 

CHECK YOUR BALANCESee your current inPOWER Card balance in seconds.SHARE MONEYShare money between your inPOWER Cards, to your bank account or to your friend's inPOWER Card.**
GET EXCLUSIVE OFFERS & DISCOUNTS
Just open the XtraPOWER app and get your offers.

HAVE TRANSACTION RECEIPTS EMAILED
Have your PAYOMATIC store transaction receipts, and your inPOWER monthly statement delivered to your inbox. 
FIND A PAYOMATIC STORE
Find New York’s biggest check casher in minutes!


* Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds is subject to payer’s support of the feature and timing of payer’s funding.

** Fees may apply. See the Cardholder Agreement for details.

The inPOWER Prepaid Mastercard® is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated and may be used everywhere Debit Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

## Key features

- Track spending activity
- View inPOWER Card transactions
- Real-time balance checks
- Share money with others
- Direct deposit for faster pay
- Exclusive offers and discounts
- Email transaction receipts

## What do users think of XtraPOWER by PAYOMATIC?

Overall sentiment: negative

**Pros**

- 👍 Convenient and intuitive
- 💳 Useful card features
- 💰 Helpful incentives
- 🔍 Easy to track transactions
- 🔥 Great app experience

**Cons**

- 🐛 App crashes and bugs
- 💸 Unexpected fees and charges
- ⏱️ Slow money transfers
- 🤔 Confusing account management
- 🤯 Poor customer service

**Commonly reported bugs**

- Login screen issues
- Date of birth entry problems
- Network errors
- Force closing on app launch

**Most requested features**

- Mobile check deposit
- Ability to manage multiple cards
- Improved date/time picker
- Support for Apple Pay

## Recent user reviews (10 of 86)

All indexed reviews: https://appshunter.io/ios/app/xtrapower-by-payomatic/id1436035625/reviews.md

### 1/5 — Terrible either way direct deposit

*2026-01-01, version 1.9.7*

Direct deposit does not hit on the same day it’s attended to land on so I have to wait basically the whole week to wait to get my direct deposit,switching banks is what I’m doing

### 1/5 — Customer service is terrible

*2025-09-30, version 1.9.7*

The app does not work you can transfer out your money .

### 1/5 — TRASH

*2025-09-29, version 1.9.7*

This card is trash,DO NOT GET/USE I DO NOT RECOMMEND!! It’s always a problem with this card,and whenever you call up customer service,they are terrible with helping and dealing with customers,terrible!! I’m about to switch my card,I WILL NEVER GET THIS CARD AGAIN,I TRULY HATE THIS CARD,I DO NOT RECOMMEND!!!!

### 5/5 — Great App!

*2025-05-08, version 1.9.6*

Love the ease of use!

### 5/5 — Albert

*2025-03-16, version 1.9.6*

Niko

### 5/5 — Five stars

*2024-12-04, version 1.9.3*

I enjoy the benefits of this debit card features 
Easy to obtain money transfers 🥳

### 1/5 — Payomatic App

*2024-09-14, version 1.9.3*

The app says it will send a code to your mobile phone and email but it NEVER does. Making it impossible to access your account information. 😡😡😡

### 1/5 — Hate it

*2024-06-21, version 1.9.3*

This card takes fees when I’m not even using the card. Every purchase I make appears higher in the app. When the original card arrives I’m shredding it and deleting this app!!

### 1/5 — I know you see these messages

*2024-06-11, version 1.9.3*

Y’all gonna pay for harassment and false accusations y’all going to jail in gods name amen

### 5/5 — The review .

*2024-02-22, version 1.9.1*

Loving the tracking app.

## Frequently asked questions about XtraPOWER by PAYOMATIC

### What does the XtraPOWER app do?

The XtraPOWER app provides a seamless experience for managing your finances. It allows you to track all your spending activity with PAYOMATIC, access transactions made at any PAYOMATIC location or on your inPOWER Card, and view real-time balances. You can also receive personalized offers and discounts, have receipts emailed to you, and share money securely.

### How can I get paid faster with this app?

You can set up Direct Deposit to your inPOWER Card through the XtraPOWER app. This feature allows you to get access to your funds up to two days faster compared to traditional banking policies, depending on the payer's support for the feature and their funding timing.

### Is there a cost to use the XtraPOWER app?

Based on the provided information, the XtraPOWER app is available for free. There are no mentioned costs associated with downloading or using the core features of the application. However, fees may apply for certain money-sharing transactions, as detailed in the Cardholder Agreement.

### What are the main features of the XtraPOWER app?

Key features include full access to PAYOMATIC and inPOWER Card activity, the ability to check your current inPOWER Card balance in seconds, and the option to share money between inPOWER Cards, to your bank account, or to a friend's inPOWER Card. Users can also get exclusive offers and discounts and have transaction receipts emailed to them.

### Who is the target audience for the XtraPOWER app?

This app is designed for individuals who utilize PAYOMATIC services and the inPOWER Card. It's ideal for those who want a convenient way to monitor their spending, manage their card balances, receive faster access to their paychecks, and take advantage of exclusive offers.

## Version history (last 5 releases)

### 1.9.7 — 2025-06-05

Thanks for using the XtraPOWER App! This update introduces various behind the scenes improvements and changes.

### 1.9.6 — 2025-01-09

Thanks for using the XtraPOWER App! This update introduces various behind the scenes improvements and changes to enhance the security of your account.

### 1.9.5 — 2024-12-17

Thanks for using the XtraPOWER App! This update introduces various behind the scenes improvements and changes to enhance the security of your account.

### 1.9.3 — 2024-04-04

Thanks for using the XtraPOWER App! This update introduces various behind the scenes improvements and changes to enhance the security of your account.

### 1.9.1 — 2023-07-20

You can now set up Direct Deposit to your inPOWER Card right in the Mobile App!

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## Related topics

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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 2026-08-26.*