# Stream vs PNC EarnedIt

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.

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 — 4.7 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.

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

## The numbers

| Metric | Stream | PNC EarnedIt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (721 ratings)](https://appshunter.io/ios/app/stream-workplace-finance/id1551009637/reviews) | **[4.8 (6.2K ratings)](https://appshunter.io/ios/app/pnc-earnedit/id1593470184/reviews)** |
| Number of ratings | 721 | **6.2K** |
| Positive reviews | 18.9% of reviews | **27.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 3 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 55 MB | 113 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Stream Platforms, Inc.](https://appshunter.io/developer/1532222758) | [Daily Pay Inc.](https://appshunter.io/developer/1399085076) |

## What reviewers say

### Stream

[App page](https://appshunter.io/ios/app/stream-workplace-finance/id1551009637)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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

**Requested features**

- Option to delete account
- Better customer service response time
- Notification for new messages
- Fix app loading issues
- Allow access to paychecks when payday changes


### PNC EarnedIt

[App page](https://appshunter.io/ios/app/pnc-earnedit/id1593470184)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🙏 Helpful when needed
- 💰 Allows early access to earnings
- 👍 Convenient for managing finances

**What reviewers complain about**

- 🐛 App often glitches or freezes
- ⏱️ Delayed updates and transfers
- 💸 Charges fees for accessing own money
- 🤔 Unclear policies and communication

**Reported bugs**

- Login issues and inability to access account
- Incorrect or missing transaction history
- Unexpected deductions from paychecks

**Requested features**

- Improve reliability and consistency of daily pay feature
- Provide more transparency around fees and policies
- Enhance customer support responsiveness


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*