# Instant Financial vs ONE@Work (formerly Even)

The clearest difference is review sentiment: ONE@Work (formerly Even) at 85% against Instant Financial's 11%. ONE@Work (formerly Even) also leads on rating (4.9 vs 4.5) and update cadence (fortnightly vs every 4 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ONE@Work (formerly Even) holds the better App Store score, 4.9 against 4.5. That said, the two scores are not equally well evidenced: ONE@Work (formerly Even) has 160K ratings behind it against 10K, so its average is the more settled of the two. Written reviews point the same way: 11% of Instant Financial's written reviews are positive against 85% of ONE@Work (formerly Even)'s.

Instant Financial ships an update every 4 months, ONE@Work (formerly Even) fortnightly. Both last shipped on October 27, 2026.

## The numbers

| Metric | Instant Financial | ONE@Work (formerly Even) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (10K ratings)](https://appshunter.io/ios/app/instant-financial/id1061399931/reviews) | **[4.9 (160K ratings)](https://appshunter.io/ios/app/onework-formerly-even/id1147769190/reviews)** |
| Number of ratings | 10K | **160K** |
| Positive reviews | 11.3% of reviews | **85.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 63 MB | 68 MB |
| Requires iOS | 16.0 | **15.5** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 12+ | 4+ |
| Developer | [Instant Financial Inc.](https://appshunter.io/developer/1056921603) | [One Finance, Inc.](https://appshunter.io/developer/1477126814) |

## What reviewers say

### Instant Financial

[App page](https://appshunter.io/ios/app/instant-financial/id1061399931)

Access your earned wages instantly and fee-free, without waiting for payday. Manage your money, pay bills, and transfer funds with real-time financial control.

**Highlights:** Fee-free wage access, Real-time earnings access, Bill payment, Fund transfers, Savings management, Financial control

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Instant access to earnings
- 💡 Convenient way to manage tips
- 👍 Simple and straightforward app

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 💰 Excessive fees for ATM withdrawals
- 🕰️ Slow transfers to bank accounts
- 🔒 Security and fraud issues
- 🤔 Mandatory use of app by employers

**Reported bugs**

- Login issues and password reset problems
- Inconsistent transaction history and balance display
- Inability to access funds during app maintenance

**Requested features**

- Faster bank account transfers
- More ATM network coverage
- Improved app stability and reliability
- Better fraud protection and security


### ONE@Work (formerly Even)

[App page](https://appshunter.io/ios/app/onework-formerly-even/id1147769190)

Access your earned wages before payday, track your income, and set up automatic savings. This app helps you manage your finances by providing tools to budget and understand your pay.

**Highlights:** Access earned wages early, Track earnings per shift, Automatic paycheck savings, Budgeting tools, View work schedule

**In-app purchases:** none

**What reviewers like**

- 💳 Helpful for managing finances
- 🕰️ Allows early access to paychecks
- 🧭 Provides clear budgeting and planning
- 💰 Useful savings features
- 🤝 Good customer service

**What reviewers complain about**

- 🤔 Confusing subscription model
- 🕰️ Delayed instapay deposits
- 🔄 Inconsistent app performance and syncing issues
- 🔢 Inaccurate pay/hours calculations
- 🔐 Difficulty changing bank account information

**Reported bugs**

- App crashes when trying to use instapay
- Bank account information not updating properly
- Incorrect paycheck estimates and deductions

**Requested features**

- Increase instapay withdrawal limit
- Add more than 3 savings pockets
- Improve dark mode/theming options
- Provide more transparency on fees and policies


## Frequently asked questions

### Is Instant Financial free?

Instant Financial is free to download, with no in-app purchases.

### Is ONE@Work (formerly Even) free?

ONE@Work (formerly Even) is free to download, with no in-app purchases.

### Which has better reviews, Instant Financial or ONE@Work (formerly Even)?

ONE@Work (formerly Even) is rated higher. Instant Financial averages 4.5 out of 5 from 10K ratings, while ONE@Work (formerly Even) averages 4.9 from 160K ratings.

### Do Instant Financial or ONE@Work (formerly Even) have ads?

Neither Instant Financial nor ONE@Work (formerly Even) shows ads.

### Which is updated more often, Instant Financial or ONE@Work (formerly Even)?

Instant Financial ships an update every 4 months, and ONE@Work (formerly Even) fortnightly. Most recently, Instant Financial was updated on October 27, 2026 and ONE@Work (formerly Even) on October 27, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*