PayCaptain vs PNC EarnedIt
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayCaptain
This app provides employees with interactive payslips, a chatbot for pay-related questions, and automated wage advances. It also facilitates savings, charitable donations, and flexible pay splitting, alongside personal financial wellness guidance.
- Interactive payslips with chatbot
- Automated wage advances up to £200
- Dedicated Visa Debit Card
- Automatic savings transfers
- Tax-free charity donations
- Flexible pay splitting
- Financial wellness guidance
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With PayCaptain you can: Enjoy graphical and interactive payslips with our built-in friendly chatbot to answer questions about your pay Get up to £200 per pay period, every week for your weekly personal expenses (automated/free wage advance) Get a PayCaptain account with a Visa Debit Card to separate some funds from your main bank account Make every pay day a ‘save day’ with automatic payments to your savings account Make tax free donations to your favourite charity and see your philanthropy on each payslip Round down your net pay and donate the pennies to your companies nominated charity Split your end of month pay to wherever its needed. Personal/Joint/Kids/Loan/etc Personal Financial Wellness Guidance and confidential helpline Your company needs to be using the PayCaptain Payroll Service to be able to use this app.
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
The clearest difference is monetization model: PayCaptain at free against PNC EarnedIt's free with in-app purchases. PNC EarnedIt's advantage is update cadence (every 3 weeks vs every 2 months). On price, review sentiment, 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.
PayCaptain ships an update every 2 months, PNC EarnedIt every 3 weeks. The most recent releases landed on October 5, 2026 and October 14, 2026 respectively.
| Parameter | PayCaptain | PNC EarnedIt |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.8 (6.2K ratings) — better |
| Positive reviews | 33.3% of reviews — better | 27.1% of reviews |
| Number of ratings | — | 6.2K — better |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 33 MB | 113 MB |
| Age rating | 4+ | 4+ |
| Developer | PayCaptain Payroll Solutions Limited | Daily Pay Inc. |
Customer experience
PayCaptain
PNC EarnedIt
Bugs and requests
PayCaptain
Not enough reviews yet to summarise bugs or requests.
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
PayCaptain
No in-app purchases
PNC EarnedIt
No in-app purchases
Questions
Is PayCaptain free?
Is PNC EarnedIt free?
Do PayCaptain or PNC EarnedIt have ads?
Which is updated more often, PayCaptain or PNC EarnedIt?
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