Employee FAQs for Access EarlyPay

No. Access EarlyPay works by giving you access to some of the money you've already earned. You're just deciding to draw down on this money before payday.

There's no interest charged. Access EarlyPay isn't a credit facility, you're simply taking what you have earned before your normal pay day.

There's no need for a credit check with Access EarlyPay.

No. If your employer has joined Access EarlyPay and invited you to take advantage of it, you may use it.

No. Access EarlyPay does not use credit checks. It is not a lending product. For good financial management, you can find impartial advice at Money Advice Trust

Using Access EarlyPay means your end of month pay will be reduced. For example, you might take 10% of your monthly take-home pay two weeks early - and that money, plus the transaction fee, won't be there in your monthly pay cheque.

No. It's not a loan. The money you take using Access EarlyPay is from your already earned wages, which won't then appear in your pay at the end of the month.

You don't repay the money. What you draw down - before payday - is deducted from your monthly pay.

No. There's no lending or credit involved with EarlyPay.

This depends on how your company logs the shifts you've done. There could be a delay, for instance if shifts are approved then added manually to your company's payroll systems. Check with your employer how fast your shifts will show up. You won't see gross earnings either - to help your employer, an amount is always held back to cover things like National Insurance, pension payments and tax etc.

Access EarlyPay works together with your company's payroll and time and attendance systems, so it tracks exactly what hours you’ve worked, and when they are approved for payment. There can be a delay, depending on how your company systems operate.

We aim to keep things simple and clear - so, if you have multiple employers all offering EarlyPay, you'll see all your earnings separately from each employer in the app.

If they are signed up for EarlyPay, and you have their approval to access it, you can take your earnings early via the app.

That's down to your employer's systems. Sometimes a shift is logged automatically and swiftly. Other systems involve entering manual information. EarlyPay can only provide your pay on approved shifts worked. That approval process is defined by your employer.

The app shows money available to draw down. Once you do it will show in your bank account in minutes.

You should receive notification from your bank that money has transferred. We advise checking with your bank.

Your company payroll team will need to see any transactions to accurately process the payroll. This doesn't mean your manager will know. The level of confidentiality is the same as that used for payroll in general.

Yes. Employers control who can and cannot use the service. As it's an added benefit for staff, employers maintain control over the service.

No. It only works with your employer's full approval, and needs to integrate with internal payroll systems.

Yes, the Access EarlyPay app gives you a full transaction history.

For most of the time, EarlyPay is available 24/7, but your company payroll team needs time to process everyone's pay. In practical terms, this means that for a few days each month you won't be able to use the EarlyPay app. Your company can tell you when these days are.

If it's close to pay day, your payroll team may be processing your payslip and need to finalise your deductions. If not, contact your payroll department to find out more.

The app is free to download, but every time you transact, there will be a small fee. This fee is clearly shown before you decide to go ahead.

Yes. The app is free to download, but every time you transact, there will be a small fee. This fee is shown before you decide to go ahead.

The software (app) provider receives the transaction fee. It funds the cost of finance to pay you early, and provides the app and the service to your employer.

No. The transaction fee is charged on top of the money being withdrawn.

It's anything up to 50% of your gross earned income, but the figure can be set by your employer. Remember, there's some money kept back to cover your monthly deductions (tax, NI, pensions, etc).

Access EarlyPay works by showing a percentage of your gross earnings. Any money you draw down won't appear in your normal monthly pay. There's also provision made for deductions, to make sure these are covered on payday.