Spentra vs Payday Today
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
Payday Today
Access accrued wages or available funds set by your employer. Easily request and transfer funds to any bank or e-wallet. Utilize vouchers for in-app transactions or send them to loved ones.
- Access accrued wages
- Withdraw available funds
- Transfer to banks/e-wallets
- Request and use vouchers
- View transaction history
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OUR SERVICE Payday Today app enables you to: 1. Get access to your accrued earn wage or any available funds set by your employer. 2. Easily request or withdraw your earned salary or any available funds. 3. Transfer amount requested to any banks via instapay or e-wallets. 4. Can request voucher and use it for in-app transactions. 5. Transfer voucher to any banks via instapay or e-wallets. OUR SUBSCRIBERS Are people who want to: Easily access and withdraw their available funds and transfer to any banks or ewallets. Send vouchers to loved ones who need them Directly access their transactions history Easily access other available in-app services
Screenshots
Verdict
The clearest difference is rating: Spentra at 4.8 against Payday Today's 1.0. Spentra also leads on ratings volume (943 vs 1). On price, update cadence, ads and in-app purchases 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 1.0. That said, the two scores are not equally well evidenced: Spentra has 943 ratings behind it against 1, so its average is the more settled of the two.
Spentra ships an update every 6 weeks, Payday Today every 2 months. The most recent releases landed on September 23, 2026 and September 22, 2026 respectively.
| Parameter | Spentra | Payday Today |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (943 ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 79.2% of reviews | — |
| Number of ratings | 943 — better | 1 |
| Update frequency | Every 6 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 48 MB | 70 MB |
| Age rating | 17+ | 4+ |
| Developer | Spentra, LLC | GoodApps Inc. |
Customer experience
Spentra
Payday Today
Bugs and 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
Payday Today
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Spentra
No in-app purchases
Payday Today
No in-app purchases
