Comparison

myFlexPay (powered by Stream) 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

myFlexPay (powered by Stream)

Access your earned wages instantly, avoiding traditional payday waits. This app helps you save, budget, and manage your money with smart tools and personalized guidance. It partners with employers to provide flexible pay options and financial well-being.

Highlights
  • Access earned wages anytime
  • Real-time earnings tracking
  • High-interest savings accounts
  • Consolidated spending insights
  • Exclusive discounts
  • AI money coach
Features
Read full description

Access your earned wages instantly instead of waiting for payday. No more overdraft fees, high-interest credit cards, or financial stress. myFlexPay (powered by Stream) partners with your employer to help you save, budget, borrow, and get paid on your schedule. Key Features: * Flexible pay - Access earned wages anytime. Instant transfers for a small fee or free standard transfers (1-3 days) * Real-time tracking - View your shifts and earnings as they happen * Smart saving - Market-leading interest rates on easy-access accounts * Spending insights - Monitor all bank accounts in one place * Exclusive discounts - Deals from hundreds of brands * Tax Optimizer - W4 calculator * Benefits checker - Discover eligible government benefits * AI money coach - Personalized financial guidance How It Works: Download the free app, log in with your employer credentials, and request transfers when needed. Your employer pays you normally, minus any advances taken. Note: Requires employer partnership with myFlexPay (powered by Stream).

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

myFlexPay (powered by Stream)4 screens
PNC EarnedIt4 screens

Verdict

The call

The clearest difference is update cadence: myFlexPay (powered by Stream) at weekly against PNC EarnedIt's every 3 weeks. On price, rating, review sentiment and ratings volume 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 myFlexPay (powered by Stream) against 4.8 for PNC EarnedIt. Both are backed by a comparable volume of ratings — 8.2K and 6K respectively. Written reviews are what separate them: 34% of myFlexPay (powered by Stream)'s written reviews are positive against 27% of PNC EarnedIt's.

UpkeepUpdate frequency

myFlexPay (powered by Stream) ships an update weekly, PNC EarnedIt every 3 weeks. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.

Scorecard1 real difference · 9 level
myFlexPay (powered by Stream) versus PNC EarnedIt: the parameters behind the verdict, then further details
ParametermyFlexPay (powered by Stream)PNC EarnedIt
PriceFreeFree
Rating4.9 (8.2K ratings) — better4.8 (6K ratings)
Positive reviews33.8% of reviews — better27.1% of reviews
Number of ratings8.2K — better6K
Update frequencyWeekly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size58 MB112 MB
Age rating4+4+
DeveloperStream Platforms, Inc.DAILYPAY INC

Customer experience

myFlexPay (powered by Stream)

All ratings8,055 ratings
Positive96.6%
Neutral1.0%
Negative2.4%
Written reviews130 reviews
Positive33.8%
Neutral5.4%
Negative60.8%

PNC EarnedIt

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

User reviews

myFlexPay (powered by Stream)

From 8.2K App Store ratings

What we love

  • 💳 Convenient
  • ⚡ Easy
  • 💰 Instant funds transfer
  • 🙌 Life changer

Room to improve

  • 🐛 App crashes/bugs
  • ⚠️ Inconsistent performance
  • 🚫 No customer service
  • 🕰️ Delayed shift/pay updates
  • 💳 Issues with card/account setup

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

myFlexPay (powered by Stream)

Reported bugs

4 issues
  • Login/account creation issues
  • Shift/pay updates not working
  • Funds availability problems
  • Glitches with in-app features

Requested features

4 requests
  • Standard/next-day transfer option
  • Improved customer support
  • Overtime pay calculation
  • Savings account integration

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

myFlexPay (powered by Stream)

No in-app purchases

None

PNC EarnedIt

No in-app purchases

Questions

Is myFlexPay (powered by Stream) free?
myFlexPay (powered by Stream) 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, myFlexPay (powered by Stream) or PNC EarnedIt?
myFlexPay (powered by Stream) is rated higher. myFlexPay (powered by Stream) averages 4.9 out of 5 from 8.2K ratings, while PNC EarnedIt averages 4.8 from 6K ratings.
Do myFlexPay (powered by Stream) or PNC EarnedIt have ads?
Neither myFlexPay (powered by Stream) nor PNC EarnedIt shows ads.
Which is updated more often, myFlexPay (powered by Stream) or PNC EarnedIt?
myFlexPay (powered by Stream) ships an update weekly, and PNC EarnedIt every 3 weeks. Most recently, myFlexPay (powered by Stream) was updated on September 24, 2026 and PNC EarnedIt on September 23, 2026.

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