# Netspend Earned Wage Access vs Earned Wage Access by Netchex

Netspend Earned Wage Access and Earned Wage Access by Netchex both sit at 4.9 stars, but that hides the real split: 64% of Netspend Earned Wage Access's written reviews are positive against 37% of Earned Wage Access by Netchex's. Netspend Earned Wage Access also leads on ratings volume (14K vs 2.5K). On price, rating, update cadence and ads 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 — 4.9 for Netspend Earned Wage Access against 4.8 for Earned Wage Access by Netchex. That said, the two scores are not equally well evidenced: Netspend Earned Wage Access has 14K ratings behind it against 2.5K, so its average is the more settled of the two. Written reviews are what separate them: 64% of Netspend Earned Wage Access's written reviews are positive against 37% of Earned Wage Access by Netchex's.

Both ship on a similar rhythm, roughly fortnightly. Both last shipped on October 30, 2026.

## The numbers

| Metric | Netspend Earned Wage Access | Earned Wage Access by Netchex |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (14K ratings)](https://appshunter.io/ios/app/netspend-earned-wage-access/id1583056421/reviews)** | [4.8 (2.5K ratings)](https://appshunter.io/ios/app/earned-wage-access-by-netchex/id6502833069/reviews) |
| Number of ratings | **14K** | 2.5K |
| Positive reviews | **63.5% of reviews** | 37.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free | Free |
| Size | 130 MB | 132 MB |
| Requires iOS | 16.4 | 16.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Netspend Corporation](https://appshunter.io/developer/381397907) | [Rain Inc.](https://appshunter.io/developer/1491065333) |

## What reviewers say

### Netspend Earned Wage Access

[App page](https://appshunter.io/ios/app/netspend-earned-wage-access/id1583056421)

Access your earned wages instantly, anytime, even on weekends and holidays. Track your earnings, gain financial insights, and utilize a suite of benefits like balance alerts and coaching. Enjoy fast, flexible, safe, and secure financial management.

**Highlights:** Instant access to earned wages, Track earnings growth, Financial coaching and education, Spending analytics, Balance alerts, Bank-level encryption

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💰 Easy access to wages
- ⚡ Instant money transfers
- 🤑 Helpful in tight financial situations
- 👍 Convenient and user-friendly

**What reviewers complain about**

- 🕰️ Delayed wage updates and availability
- 🤖 Poor customer service and communication
- 💳 Expensive fees for transactions
- 🔒 Account access and login issues
- 🚫 Inconsistent and unreliable app performance

**Reported bugs**

- Frequent app crashes and white screen issues
- Wage import and account access problems
- Inconsistent app behavior across devices

**Requested features**

- Faster wage availability
- Improved customer support and communication
- Reduced fees for transactions
- More transparency on wage deductions


### Earned Wage Access by Netchex

[App page](https://appshunter.io/ios/app/earned-wage-access-by-netchex/id6502833069)

Access your earned wages instantly, track your financial growth, and explore a suite of benefits. This tool offers real-time insights and smart financial management to help you make the most of your income and benefits, anytime.

**Highlights:** Instant access to earned wages, Track earnings growth, Access benefits anytime, Financial coaching and education, Spending analytics, Balance alerts, Bank-level encryption

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast cash
- 💡 Helpful when short on funds
- 👍 Convenient

**What reviewers complain about**

- 🐛 Login issues
- 🐛 Account setup problems
- 🐛 Unresponsive customer support

**Reported bugs**

- Unable to log in
- Incompatible with some devices

**Requested features**

- Improve login and account setup process
- Enhance customer support responsiveness


## Frequently asked questions

### Is Netspend Earned Wage Access free?

Netspend Earned Wage Access is free to download, with no in-app purchases.

### Is Earned Wage Access by Netchex free?

Earned Wage Access by Netchex is free to download, with no in-app purchases.

### Which has better reviews, Netspend Earned Wage Access or Earned Wage Access by Netchex?

Netspend Earned Wage Access is rated higher. Netspend Earned Wage Access averages 4.9 out of 5 from 14K ratings, while Earned Wage Access by Netchex averages 4.8 from 2.5K ratings.

### Do Netspend Earned Wage Access or Earned Wage Access by Netchex have ads?

Neither Netspend Earned Wage Access nor Earned Wage Access by Netchex shows ads.

### Which is updated more often, Netspend Earned Wage Access or Earned Wage Access by Netchex?

Netspend Earned Wage Access ships an update fortnightly, and Earned Wage Access by Netchex fortnightly. Most recently, Netspend Earned Wage Access was updated on October 30, 2026 and Earned Wage Access by Netchex on October 30, 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.*