ImmediatePay vs PNC EarnedIt
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ImmediatePay
Access a portion of your earned wages before your next payday. This app connects with employers to let you transfer funds instantly after your workday. It also provides financial wellness tools, including coaching, educational resources, and prescription savings.
- Access earned wages between paydays
- Instant fund transfers
- Financial wellness tools
- Expert financial coaching
- Financial health assessments
- Educational articles and calculators
- Prescription savings
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Access the Pay You’ve Earned When You Need It Most We partner with employers to offer access to earned pay between paydays and our pay card solutions. How ImmediatePay Works Your earned pay is available to access after you finish your workday, thanks to time tracking and payroll connections with Immediate. Simply choose the amount you’d like to transfer, select where to send the funds, and confirm the details. It’s that simple—you’ve just been paid! Financial Wellness Tools Whether you’re looking to manage your expenses better, start saving for a financial goal, or build healthier habits, ImmediatePay gives you access to tools that can help improve your overall financial wellness. Financial Coaching: Do you have specific questions about your finances? As an enrolled user, you can access real-time financial coaching from our experts. Whether you need advice on saving for an emergency fund or improving your credit score, we’re here to help guide you! Financial Surveys: Take charge of your financial health with tools like the FinHealth Score® from the Financial Health Network. Assess spending, saving, borrowing, and planning behaviors to make smarter decisions to improve your financial well-being. Financial Education: Access hundreds of financial education articles and financial wellness calculators. Whether you’re just starting out or working toward long-term goals, these resources will help you make informed decisions no matter where you are in your financial journey. Prescription Savings: Save big on prescriptions for you and your family with up to 80% savings on medications at over 65,000+ pharmacies nationwide. Get Started with ImmediatePay Today ImmediatePay is offered through participating employers as a financial wellness benefit. If your workplace doesn’t have it yet, ask your employer to consider offering ImmediatePay so you can access the pay you’ve earned when you need it most.
PNC EarnedIt
Access a portion of your earned wages before payday. This app allows you to transfer funds to your bank account or card, with options for instant or next-day delivery. You'll still receive your remaining pay on your scheduled payday.
- Access earned wages before payday
- Transfer funds to bank account or card
- Instant or next-day fund delivery
- View available balance
- Receive balance change notifications
- Secure encryption
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Don’t wait for your earned pay any longer. If your employer is offering PNC EarnedIt, powered by DailyPay, you can transfer a portion of your unpaid earnings to an eligible bank account, debit card, prepaid card, or pay card. Transfer fees apply. Enrollment required. How PNC EarnedIt Works: ● Your available balance builds as you work throughout the week. ● View your available balance and withdraw money in the app (fees apply when making a transfer). ● Depending on your choice, you’ll receive your money in minutes (including weekends and holidays, 24/7/365) or on the next business day. ● Receive your remaining pay on payday, for no additional cost Benefits & Features: ● Access your available balance when you need it. Transfer a portion of your earnings to an eligible bank account, debit card, prepaid card, or pay card. ● Get insights into your available balance. ● Receive notifications of changes to your balance (Third party message and data rates may apply). Safe & Secure: PNC EarnedIt’s infrastructure is maintained by an experienced security and engineering team and uses 256-bit level encryption. Note: PNC EarnedIt powered by DailyPay is an employer-provided benefit. Ask your employer about PNC EarnedIt today!
Screenshots
Verdict
ImmediatePay and PNC EarnedIt both sit at 4.9 stars, but that hides the real split: 56% of ImmediatePay's written reviews are positive against 27% of PNC EarnedIt's. ImmediatePay also leads on monetization model (free vs free with in-app purchases). On price, rating, ratings volume and update cadence 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 — 4.9 for ImmediatePay against 4.8 for PNC EarnedIt. Both are backed by a comparable volume of ratings — 7.8K and 6K respectively. Written reviews are what separate them: 56% of ImmediatePay's written reviews are positive against 27% of PNC EarnedIt's.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.
| Parameter | ImmediatePay | PNC EarnedIt |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (7.8K ratings) — better | 4.8 (6K ratings) |
| Positive reviews | 55.6% of reviews — better | 27.1% of reviews |
| Number of ratings | 7.8K — better | 6K |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 74 MB | 112 MB |
| Age rating | 4+ | 4+ |
| Developer | Immediate Solutions | DAILYPAY INC |
Customer experience
ImmediatePay
PNC EarnedIt
User reviews
ImmediatePay
From 7.8K App Store ratingsWhat we love
- 🚀 Efficient and fast
- 💡 Convenient and helpful
- 👍 User-friendly interface
- 🚀 Immediate access to funds
Room to improve
- 🐛 Processing issues
- 🐛 Delayed payouts
- 🐛 Unreliable customer service
- 🐛 Difficult to use
PNC EarnedIt
From 6K App Store ratingsWhat we love
- 🙏 Helpful when needed
- 💰 Allows early access to earnings
- 👍 Convenient for managing finances
Room to improve
- 🐛 App often glitches or freezes
- ⏱️ Delayed updates and transfers
- 💸 Charges fees for accessing own money
- 🤔 Unclear policies and communication
Bugs and requests
ImmediatePay
Reported bugs
3 issues- Login issues
- Inconsistent fund availability
- Debit card registration problems
Requested features
3 requests- Faster payouts
- Improved customer support
- Clearer communication on processing times
PNC EarnedIt
Reported bugs
3 issues- Login issues and inability to access account
- Incorrect or missing transaction history
- Unexpected deductions from paychecks
Requested features
3 requests- Improve reliability and consistency of daily pay feature
- Provide more transparency around fees and policies
- Enhance customer support responsiveness
In-app purchases
ImmediatePay
No in-app purchases
PNC EarnedIt
No in-app purchases
Questions
Is ImmediatePay free?
Is PNC EarnedIt free?
Which has better reviews, ImmediatePay or PNC EarnedIt?
Do ImmediatePay or PNC EarnedIt have ads?
Which is updated more often, ImmediatePay or PNC EarnedIt?
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