Pricing & transparency
Free by default. Fast if you want it.
A free standard transfer is always available and never pre-deselected. Instant delivery is optional and requires Membership — the exact fee for your amount is shown before you send.
Standard transfer
Free
Always available to everyone. Arrives in 1–3 business days to your linked bank account. Never hidden, never pre-deselected — this is the default.
Instant to debit — with Membership
$5.99/month
Membership unlocks instant transfers (~5 minutes) to your debit card. Plus a per-transfer fee based on the amount, shown plainly before you confirm. Cancel anytime, one tap.
| Advance amount | Instant fee |
|---|---|
| $20 – $99 | $7.99 |
| $100 – $150 | $9.99 |
| $150.01 – $200 | $12.99 |
What we’ll never do
- ✓Ask for a “tip” or pre-select one for you
- ✓Charge interest or finance charges
- ✓Run a credit check or affect your score
- ✓Charge a late fee if payday shifts
- ✓Hide the free path or pre-check the paid one
- ✓Advertise a big number most people never get
| For a small shortfall before payday | Payday loan | Overdraft | Wagevine |
|---|---|---|---|
| Typical cost | $15–$30 per $100 + APR | ~$35 per overdraft | Free — or $7.99–$12.99 instant with Membership |
| Interest | Very high APR | None, but flat penalty | None |
| Credit check | Sometimes | No | No |
| Late fees | Yes | Yes | Never |
Get early access
We’re onboarding our first Missouri users now. Join the waitlist and we’ll reach out when your spot opens.
No spam. We’ll only email you about your early-access spot.