Control how and when you get paid

BPAY Group now offers Earnd, an employee benefit that gives you access to your pay as you earn it, before your normal payday - helping you take control of your finances.

Download the Earnd app

Peace of mind

Fantastic app and easy to follow steps. Free for employees - what's not to like about it? Great way to get money quickly when you need it. Extra peace of mind without the extra cost.

Austin, App Store

Instant transfers

The Earnd team are super helpful. Funds are in my account within seconds. 100% recommend to all employers. Great app.

Jessica, App Store

True control

This app means I can be truly in control of my pay rather than waiting a whole month to get the money I worked for. So easy to use too.

ClaireP, App Store

Very helpful and convenient app

I'm so glad our company participated to have Earnd as our solution for having a 'one tap' money transfer straight to your bank account in case of emergency.

Zyan, App Store

Financial freedom

No employers have before ever given the option of financial freedom to their employees, but Earnd allows this.

Armano, App Store

Truly a life saver

Earnd gives you the flexibility to spend your income at your discretion. Since you can access your funds daily, there is almost no way that you can be late on a payment.

Rob, App Store

Awesome app!

This app has saved my life way to many times, it is such a great way to make sure you always on time with bills and if you have something unexpected come up it takes the stress away!

Jake from Glue, App Store

No fees

Get my salary instantly with no fees - simply deducted from your next salary.

Bat0u89, Play Store

Fantastic app

Fantastic app, I managed to get paid my wages early with no issues.

Tom Franklin, Play Store.

Best app of 2020 for sure

Earnd is literally the best app of 2020 for sure. Thumbs up to the people and management behind this incredible idea and one stop solution for emergency earned money, especially when money is necessary in a pivotal moment. No need to worry as long as Earnd is there.

Tomal Barai, Play Store

Astounded this exists!

This app is an absolute g*dsend. I’m able to withdraw my pay early with no fees. Honestly surprised this is even able to exist!!

Benny, App Store

I love this.

I love this. Thank you so much, it has really helped me in that last week of the month!

Lianne Butler, App Store

How it works

Keep track of your earnings

Know how much you've got coming in to help you budget, plan and save. Take the guesswork out of your finances.

Access your on-demand pay

Bills happen whether you want them to or not. It might be a surprise car repair or a larger than expected electricity bill. Access your on-demand pay so you don't have to borrow.

Build better money habits

Money can be complicated. Our actionable insights are designed to help you navigate your finances now and in the future - without all the jargon.

Make the change to
earned wage access

Match your income to your expenses. Cover unexpected bills and pay down debt. Save for the future. Whatever your situation, Earnd gives you flexibility and control.

Take the hard work out of managing your money

Unexpected costs

Cover unexpected costs without having to borrow and avoid late fees or interest.

Everyday expenses

Choose how and when you get paid. Build your budget around your life, not when you get paid.

Bills and payments

Use on-demand pay to cover bills without being charged late fees or taking a hit to your credit score.


How much can I withdraw?

You can withdraw up to 50% of your pay through Earnd.

How does Earnd get repaid?

Earnd integrates with payroll and withdrawals are deducted automatically from your paycheck before it is paid to you.

Why am I getting this invite?

BPAY Group cares about your financial wellbeing and provides Earnd as an employee benefit so you can access your pay when you need it most.