Comparison

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

Stream

Manage your finances with this app that allows you to access earnings early, track spending, save with high interest, and access exclusive discounts. It also offers tools for tax optimization and personalized AI coaching.

Highlights
  • Choose when you get paid
  • Check shifts and earnings
  • Save with high interest
  • Track spending across accounts
  • Exclusive brand discounts
  • AI money coach support
Features
Read full description

Stream is an easy-to-use financial benefits app that helps you to save, budget, borrow and get paid when you choose. If your employer has partnered with Stream, you can download the app and activate your free membership in minutes, allowing you to: - Choose when you get paid - Check your shifts and earnings in real time - Save into an easy-access account with a market-leading interest rate - Track all your spending across bank accounts in one place - Get exclusive discounts from 100s of your favourite brands - Calculate and optimize your W4 contributions - Check what government benefits you are entitled to - Get personalised support from an AI money coach

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

Stream4 screens
PNC EarnedIt4 screens

Verdict

The call

The clearest difference is monetization model: Stream at free against PNC EarnedIt's free with in-app purchases. Stream also leads on update cadence (weekly vs every 3 weeks). PNC EarnedIt's advantage is ratings volume (6.2K vs 721) and review sentiment (27% vs 19%). On price, rating, 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

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 — 4.7 for Stream against 4.8 for PNC EarnedIt. That said, the two scores are not equally well evidenced: PNC EarnedIt has 6.2K ratings behind it against 721, so its average is the more settled of the two. Written reviews are what separate them: 19% of Stream's written reviews are positive against 27% of PNC EarnedIt's.

UpkeepUpdate frequency

Stream ships an update weekly, PNC EarnedIt every 3 weeks. Both last shipped on October 20, 2026.

Scorecard4 real differences · 6 level
Stream versus PNC EarnedIt: the parameters behind the verdict, then further details
ParameterStreamPNC EarnedIt
PriceFreeFree
Rating4.7 (721 ratings)4.8 (6.2K ratings) — better
Positive reviews18.9% of reviews27.1% of reviews — better
Number of ratings7216.2K — better
Update frequencyWeekly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.1
Further details — not scored
Size55 MB113 MB
Age rating4+4+
DeveloperStream Platforms, Inc.Daily Pay Inc.

Customer experience

Stream

All ratings721 ratings
Positive91.3%
Neutral1.4%
Negative7.4%
Written reviews37 reviews
Positive18.9%
Neutral8.1%
Negative73.0%

PNC EarnedIt

All ratings6,204 ratings
Positive95.9%
Neutral1.4%
Negative2.8%
Written reviews85 reviews
Positive27.1%
Neutral4.7%
Negative68.2%

User reviews

Stream

From 721 App Store ratings

What we love

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

Room to improve

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

PNC EarnedIt

From 6.2K 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

Stream

Reported bugs

21 issues
  • 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
Show 16 more
  • App will not open
  • Cannot log in with email
  • Cannot reset password
  • App won't let me sign in
  • Cannot enroll in the program
  • App won't allow login with sign-up email
  • App won't let me sign up
  • App won't let me login using my email address
  • App won't let me reset my password
  • App won't let me sign in
  • App won't let me login
  • App won't let me enroll
  • App won't let me sign up
  • Missing paycheck with no explanation
  • App is glitchy sometimes
  • Cannot see messages due to new version update

Requested features

7 requests
  • Option to delete account
  • Better customer service response time
  • Notification for new messages
  • Fix app loading issues
  • Allow access to paychecks when payday changes
Show 2 more
  • Provide clear explanation for withheld money
  • Allow users to speak to a human instead of AI

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

Stream

No in-app purchases

None

PNC EarnedIt

No in-app purchases

Questions

Is Stream free?
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, Stream or PNC EarnedIt?
PNC EarnedIt is rated higher. Stream averages 4.7 out of 5 from 721 ratings, while PNC EarnedIt averages 4.8 from 6.2K ratings.
Do Stream or PNC EarnedIt have ads?
Neither Stream nor PNC EarnedIt shows ads.
Which is updated more often, Stream or PNC EarnedIt?
Stream ships an update weekly, and PNC EarnedIt every 3 weeks. Most recently, Stream was updated on October 20, 2026 and PNC EarnedIt on October 20, 2026.

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