# ImmediatePay vs Stream

ImmediatePay and Stream both sit at 4.9 stars, but that hides the real split: 55% of ImmediatePay's written reviews are positive against 21% of Stream's. ImmediatePay also leads on ratings volume (8.1K vs 768). Stream's advantage is update cadence (weekly vs every 4 weeks). 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.

ImmediatePay holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: ImmediatePay has 8.1K ratings behind it against 768, so its average is the more settled of the two. Written reviews point the same way: 55% of ImmediatePay's written reviews are positive against 21% of Stream's.

ImmediatePay ships an update every 4 weeks, Stream weekly. Both last shipped on November 11, 2026.

## The numbers

| Metric | ImmediatePay | Stream |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (8.1K ratings)](https://appshunter.io/ios/app/immediatepay/id1469028887/reviews)** | [4.7 (768 ratings)](https://appshunter.io/ios/app/stream-workplace-finance/id1551009637/reviews) |
| Number of ratings | **8.1K** | 768 |
| Positive reviews | **55.4% of reviews** | 21.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Weekly** |
| Monetization | Free | Free |
| Size | 72 MB | 54 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Immediate Solutions](https://appshunter.io/developer/1469028886) | [Stream Platforms, Inc.](https://appshunter.io/developer/1532222758) |

## What reviewers say

### ImmediatePay

[App page](https://appshunter.io/ios/app/immediatepay/id1469028887)

Access earned wages between paydays through your employer. Features financial wellness tools like coaching, surveys, education, and prescription savings. Get paid when you need it most.

**Highlights:** Access earned wages between paydays, Financial wellness tools, Real-time financial coaching, Financial health assessment, Financial education resources, Prescription savings

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Efficient and fast
- 💡 Convenient and helpful
- 👍 User-friendly interface
- 🚀 Immediate access to funds

**What reviewers complain about**

- 🐛 Processing issues
- 🐛 Delayed payouts
- 🐛 Unreliable customer service
- 🐛 Difficult to use

**Reported bugs**

- Login issues
- Inconsistent fund availability
- Debit card registration problems

**Requested features**

- Faster payouts
- Improved customer support
- Clearer communication on processing times


### Stream

[App page](https://appshunter.io/ios/app/stream-workplace-finance/id1551009637)

Manage your finances with this app, offering early access to earned wages, real-time earnings tracking, and savings accounts with competitive interest rates. It also provides spending insights, exclusive discounts, and personalized AI coaching to help you budget and optimize your financial well-being.

**Highlights:** Early access to earned wages, Real-time shift and earnings tracking, High-interest savings account, Consolidated spending tracker, Exclusive brand discounts, AI-powered financial coaching

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🤙🏼 Lifesaver for bridging paychecks
- 👍🏼 Well worth it
- 💡 Savings feature is great
- 😊 Relieved to access pay early

**What reviewers complain about**

- 😞 No customer service
- 😠 Hidden fees for withdrawals
- 💸 Paychecks not processed on time
- 🚫 App is a mess
- 📉 Fees increase over time

**Reported bugs**

- Account reactivated after deactivation
- App not loading, stuck in loading screen
- App support page not opening
- App freezes on white screen
- Cannot add card for transfer

**Requested features**

- Option to delete account
- Better customer service response time
- Notification for new messages
- Fix app loading issues
- Allow access to paychecks when payday changes


## Frequently asked questions

### Is ImmediatePay free?

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

### Is Stream free?

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

### Which has better reviews, ImmediatePay or Stream?

ImmediatePay is rated higher. ImmediatePay averages 4.9 out of 5 from 8.1K ratings, while Stream averages 4.7 from 768 ratings.

### Do ImmediatePay or Stream have ads?

Neither ImmediatePay nor Stream shows ads.

### Which is updated more often, ImmediatePay or Stream?

ImmediatePay ships an update every 4 weeks, and Stream weekly. Most recently, ImmediatePay was updated on November 11, 2026 and Stream on November 11, 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.*