RPC Onboard vs Spentra
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
RPC Onboard
This app allows employers to assign new rapid! PayCards to employees and manage direct deposit authorizations securely. It facilitates new card registration, provides ATM locators, and offers educational resources for both employees and managers.
- Assign rapid! PayCards
- Direct deposit authorization
- New card registration
- ATM locator
- Educational materials
- Enroll in 3rd party direct deposit
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With RPC Onboard the employer can assign the employee their new rapid! PayCard and obtain authorization consent for direct deposit. Whether it is to a rapid! PayCard or the employee's bank account, all in a secure and easy manner. The RPC Onboard application will facilitate registration of a new rapid! PayCard to a card holder. As well as provided a list of in network ATMs and other educational materials. rapid! PayCard is an electronic payroll debit card that is secure and easy to use. It enables automatic payroll deposit to the employee’s pay card and provides immediate access to their wages. All by simply giving their employer an account and routing number. rapid! PayCard is simply Direct Deposit! Additional Features available are: - Locate nearby ATM(s) - Provided educational materials for managers and employees alike - Enroll in direct deposit of a 3rd party bank and more...
Spentra
Access earned wages early and manage your pay with a dedicated payroll card. This solution offers instant access to a portion of your net wages before your payday, improving financial stability. Take control of your finances with features like card management, transaction alerts, and surcharge-free ATM access.
- Early access to earned wages
- Manage payroll card
- Instant transaction alerts
- Block/unblock card
- Surcharge-free ATM finder
- No card or maintenance fees
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A complete pay access solution designed to improve financial stability. Get early access to earned wages anytime, anywhere. Money Earned® from Spentra is an employer-sponsored benefit. It was designed from the ground up to provide employees 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. Your money is sent directly to your own debit card or bank account. If your employer already offers Spentra, just download the app, link your debit card or bank account, and begin to manage the money you know you have. If your employer does not currently offer Spentra, 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 YOUR PAY FROM THE SPENTRA APP Enroll in minutes directly from the app Link your own debit card and bank account Choose how you receive your money: to your debit card or to your bank account See your available earned wages anytime Review your transfer history in the app Friendly and responsive customer support Our patented benefit, Money Earned® *Standard message and data rates from your wireless service provider may apply. The Money Earned® service is provided by Spentra, LLC. See the app for terms and any applicable fees.
Screenshots
Verdict
The clearest difference is review sentiment: Spentra at 79% against RPC Onboard's 0%. Spentra also leads on rating (4.8 vs 1.9) and update cadence (every 6 weeks vs every 6 months). RPC Onboard's advantage is iOS requirement (11.0 vs 15.0). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Spentra holds the better App Store score, 4.8 against 1.9. That said, the two scores are not equally well evidenced: Spentra has 943 ratings behind it against 62, so its average is the more settled of the two. Written reviews point the same way: 0% of RPC Onboard's written reviews are positive against 79% of Spentra's.
RPC Onboard ships an update every 6 months, Spentra every 6 weeks. The most recent releases landed on October 24, 2026 and October 26, 2026 respectively.
| Parameter | RPC Onboard | Spentra |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (62 ratings) | 4.8 (943 ratings) — better |
| Positive reviews | 0.0% of reviews | 79.2% of reviews — better |
| Number of ratings | 62 | 943 — better |
| Update frequency | Every 6 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 11.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 20 MB | 48 MB |
| Age rating | 4+ | 17+ |
| Developer | Green Dot Corporation | Spentra, LLC |
Customer experience
RPC Onboard
Spentra
Bugs and requests
RPC Onboard
Not enough reviews yet to summarise bugs or requests.
Spentra
Reported bugs
2 issues- App not updating since July 3rd
- Card never showed up
Requested features
2 requests- Card to account transfer feature
- Surcharge-free ATM access
In-app purchases
RPC Onboard
No in-app purchases
Spentra
No in-app purchases
