# PayDay! TimeClock vs Netspend Earned Wage Access

PayDay! TimeClock and Netspend Earned Wage Access both sit at 5.0 stars, but that hides the real split: 100% of PayDay! TimeClock's written reviews are positive against 63% of Netspend Earned Wage Access's. Netspend Earned Wage Access's advantage is ratings volume (14K vs 1) and update cadence (fortnightly vs every 2 months). On price, rating, ads and in-app purchases there is nothing between them.

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

On the App Store both sit at effectively the same score — 5.0 for PayDay! TimeClock against 4.9 for Netspend Earned Wage Access. That said, the two scores are not equally well evidenced: Netspend Earned Wage Access has 14K ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 100% of PayDay! TimeClock's written reviews are positive against 63% of Netspend Earned Wage Access's.

PayDay! TimeClock ships an update every 2 months, Netspend Earned Wage Access fortnightly. The most recent releases landed on September 24, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | PayDay! TimeClock | Netspend Earned Wage Access |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payday-timeclock/id1176863228/reviews)** | [4.9 (14K ratings)](https://appshunter.io/ios/app/netspend-earned-wage-access/id1583056421/reviews) |
| Number of ratings | 1 | **14K** |
| Positive reviews | **100.0% of reviews** | 63.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 85 MB | 129 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PayrollServe](https://appshunter.io/developer/680085871) | [Netspend Corporation](https://appshunter.io/developer/381397907) |

## What reviewers say

### PayDay! TimeClock

[App page](https://appshunter.io/ios/app/payday-timeclock/id1176863228)

This app helps businesses manage employee attendance and productivity from anywhere. Employees can clock in/out, capture location, and view their history. Managers benefit from easy scheduling and data consolidation, while HR and payroll can seamlessly transfer data.

**Highlights:** Clock in/out from any location, Automatic photo and GPS capture, Face detection and QR code reader, View clocking history, Employee scheduling, Attendance management, Payroll data transfer, Dashboard and reports

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Netspend Earned Wage Access

[App page](https://appshunter.io/ios/app/netspend-earned-wage-access/id1583056421)

Access your earned wages instantly, anytime, even on weekends. Track your earnings, gain financial insights, and utilize a suite of benefits like spending analytics and financial coaching. Manage your money simply and securely with real-time updates and bank-level encryption.

**Highlights:** Instant access to earned wages, Track earnings in real-time, Spending analytics, Financial coaching and education, Balance alerts, Tax filing support

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💰 Easy access to wages
- ⚡ Instant money transfers
- 🤑 Helpful in tight financial situations
- 👍 Convenient and user-friendly

**What reviewers complain about**

- 🕰️ Delayed wage updates and availability
- 🤖 Poor customer service and communication
- 💳 Expensive fees for transactions
- 🔒 Account access and login issues
- 🚫 Inconsistent and unreliable app performance

**Reported bugs**

- Frequent app crashes and white screen issues
- Wage import and account access problems
- Inconsistent app behavior across devices

**Requested features**

- Faster wage availability
- Improved customer support and communication
- Reduced fees for transactions
- More transparency on wage deductions


## Frequently asked questions

### Is PayDay! TimeClock free?

PayDay! TimeClock is free to download, with no in-app purchases.

### Is Netspend Earned Wage Access free?

Netspend Earned Wage Access is free to download, with no in-app purchases.

### Which has better reviews, PayDay! TimeClock or Netspend Earned Wage Access?

PayDay! TimeClock is rated higher. PayDay! TimeClock averages 5.0 out of 5 from 1 ratings, while Netspend Earned Wage Access averages 4.9 from 14K ratings.

### Do PayDay! TimeClock or Netspend Earned Wage Access have ads?

Neither PayDay! TimeClock nor Netspend Earned Wage Access shows ads.

### Which is updated more often, PayDay! TimeClock or Netspend Earned Wage Access?

PayDay! TimeClock ships an update every 2 months, and Netspend Earned Wage Access fortnightly. Most recently, PayDay! TimeClock was updated on September 24, 2026 and Netspend Earned Wage Access on October 13, 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.*