Comparison

ImmediatePay vs PNC EarnedIt

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Access earned wages between paydays
  • Instant fund transfers
  • Financial wellness tools
  • Expert financial coaching
  • Financial health assessments
  • Educational articles and calculators
  • Prescription savings
Features
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

ImmediatePay4 screens
PNC EarnedIt4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.

Scorecard2 real differences · 8 level
ImmediatePay versus PNC EarnedIt: the parameters behind the verdict, then further details
ParameterImmediatePayPNC EarnedIt
PriceFreeFree
Rating4.9 (7.8K ratings) — better4.8 (6K ratings)
Positive reviews55.6% of reviews — better27.1% of reviews
Number of ratings7.8K — better6K
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.615.1 — better
Further details — not scored
Size74 MB112 MB
Age rating4+4+
DeveloperImmediate SolutionsDAILYPAY INC

Customer experience

ImmediatePay

All ratings7,795 ratings
Positive96.4%
Neutral1.3%
Negative2.3%
Written reviews63 reviews
Positive55.6%
Neutral4.8%
Negative39.7%

PNC EarnedIt

All ratings5,813 ratings
Positive95.9%
Neutral1.4%
Negative2.7%
Written reviews85 reviews
Positive27.1%
Neutral4.7%
Negative68.2%

User reviews

ImmediatePay

From 7.8K App Store ratings

What 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 ratings

What 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

None

ImmediatePay

No in-app purchases

None

PNC EarnedIt

No in-app purchases

Questions

Is ImmediatePay free?
ImmediatePay is free to download, with no in-app purchases.
Is PNC EarnedIt free?
PNC EarnedIt is free to download, with no in-app purchases.
Which has better reviews, ImmediatePay or PNC EarnedIt?
ImmediatePay is rated higher. ImmediatePay averages 4.9 out of 5 from 7.8K ratings, while PNC EarnedIt averages 4.8 from 6K ratings.
Do ImmediatePay or PNC EarnedIt have ads?
Neither ImmediatePay nor PNC EarnedIt shows ads.
Which is updated more often, ImmediatePay or PNC EarnedIt?
ImmediatePay ships an update every 3 weeks, and PNC EarnedIt every 3 weeks. Most recently, ImmediatePay was updated on September 24, 2026 and PNC EarnedIt on September 23, 2026.

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