Spentra vs myFlexWallet
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.
myFlexWallet
Manage your finances with ultimate flexibility. View pay slips, track time, and transfer earned wages to your payroll card or bank account instantly or next day. Securely access your financial information with advanced authentication.
- View pay slip details
- Track time worked
- Flexible wage access
- Instant wage transfers
- Secure authentication
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myFlexWallet | OneSource Virtual myFlexWallet is the financial management app that lets you view, track, and transfer your earned wages to your payroll card or bank account between paydays. With myFlexWallet, you can: • Transfer earned wages early for any reason • Easily view your pay slip details, pay history, and time worked • Access your account securely with biometric login and multiple layers of encryption There are no hidden fees or charges to access your pay and time details. You can withdraw funds immediately for a small fee, or at no cost in 1 to 3 business days. myFlexWallet is only available to authorized OneSource Virtual customers.
Screenshots
Verdict
The clearest difference is monetization model: Spentra at free against myFlexWallet's free with in-app purchases. Spentra also leads on ratings volume (943 vs 74). myFlexWallet's advantage is update cadence (fortnightly vs every 6 weeks) and review sentiment (87% vs 79%). On price, rating, 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.
On the App Store both sit at effectively the same score — 4.8 for Spentra against 4.7 for myFlexWallet. That said, the two scores are not equally well evidenced: Spentra has 943 ratings behind it against 74, so its average is the more settled of the two. Written reviews are what separate them: 79% of Spentra's written reviews are positive against 87% of myFlexWallet's.
Spentra ships an update every 6 weeks, myFlexWallet fortnightly. The most recent releases landed on October 16, 2026 and October 17, 2026 respectively.
| Parameter | Spentra | myFlexWallet |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (943 ratings) — better | 4.7 (74 ratings) |
| Positive reviews | 79.2% of reviews | 87.2% of reviews — better |
| Number of ratings | 943 — better | 74 |
| Update frequency | Every 6 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 12.4 — better |
| Further details — not scored | ||
| Size | 48 MB | 23 MB |
| Age rating | 17+ | 4+ |
| Developer | Spentra, LLC | OneSource Virtual, Inc. |
Customer experience
Spentra
myFlexWallet
User reviews
Spentra
From 943 App Store ratingsWhat we love
- 🚀 Easy and convenient
- 💡 Helpful for emergencies and unexpected expenses
- 👍 Secure transactions
- 👍 Ability to access earned wages instantly
Room to improve
- 🐛 App not updating
- 🔒 Security issues, money taken from account
- 💰 Fees for withdrawals and card changes
myFlexWallet
From 74 App Store ratingsWhat we love
- 👍 Easy to use interface
- 💰 Access to wages before payday
- 📊 Clear paycheck breakdown
- 🏦 HSA balance visibility
- 💼 All financial info in one place
Room to improve
- ⚠️ Potential for addiction/unhealthy use
- 🐛 Login issues (invalid credentials)
- 🐛 App crashes on sign up
- 🐛 Double face scan sometimes
- 🐛 Misinformation regarding borrowed money repayment
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
myFlexWallet
Reported bugs
5 issues- Cannot login due to invalid credentials
- App crashes every time on sign up
- App crashes on sign up
- Double face scan when opening the app sometimes
- Misinformation about repayment of borrowed money leading to incorrect deductions
Requested features
1 request- Ability to manage Workday pay elections directly through the app
In-app purchases
Spentra
No in-app purchases
myFlexWallet
No in-app purchases
