Instant Financial2.2.0 - App Store

Your pay, on your schedule.

Instant gives employees at participating employers access to wages they've already earned before payday, plus fast access to tips. No loans, no interest, no waiting for your paycheck.

WHO CAN USE INSTANT
Instant is offered as a benefit through your employer. If your workplace has partnered with Instant, you'll be invited to enroll. Not sure? Ask your manager or HR team.

ACCESS YOUR EARNED WAGES
- Receive Instant Pay offers for wages you've already earned and accept the ones you want
- Get your tips on your Instant card within 24 hours of your shift
- Get a notification whenever money is added to your card

YOUR MONEY, YOUR WAY
- Shop in store and online anywhere Visa is accepted
- Withdraw cash at thousands of in-network ATMs with no Instant fee-find the nearest one in the app
- Transfer to your bank: standard transfers are free; real-time transfers are available for a small fee, shown before you confirm
- Set up one-time or recurring transfers

STAY IN CONTROL
- Check your balance and recent activity in real time
- Freeze and unfreeze your card instantly if it's lost or stolen
- Pair a replacement card and update your details in the app
- Available in English and Spanish

SUPPORT WHEN YOU NEED IT
- Chat with support in the app
- Email support@instant.co
- Call the number on the back of your card

GOOD TO KNOW
- Instant Pay offers are available for a limited window-accept them before they expire
- Some merchants (gas stations, hotels, restaurants, rental agencies) place temporary pre-authorization holds that can take several days to release
- Standard bank transfers typically arrive in 1-2 business days depending on when you submit them
- Your Instant card can only be loaded with wages, tips, and reimbursements from your employer

IMPORTANT INFORMATION
The Instant Financial App allows Instant Financial Prepaid Visa Cardholders and participants in the Instant Pay earned wage access service to manage their payroll card accounts and access earned wages ahead of pay day. There are fees for certain services, please see the Cardholder Agreement and fee schedule for additional information.

The Prepaid card (or the Instant Payroll Card) is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc. Visa is a registered trademark of Visa, U.S.A. Inc. All other trademarks and services belong to their respective owners.

Cardholder Agreement and fee schedule: https://www.instant.co/us-cha/

Version History Under-the-hood upgrades for better speed, stability, and security. Nothing changes in how you use Instant—just keep the app updated. Questions? Chat with us in the app or email support@instant.co 2.2.0 Sep 30 This version improves internal performance and targets a new version of geolocation tools. 2.1.0 07/17/2025 This update features several minor performance improvements, some UI fixes, and minor translation updates. 2.0.3 03/17/2024 The new version of Instant is here! With a streamlined interface and updated look and feel, it's never been easier to access your money, transfer funds, and keep track of your savings. 2.0.0 03/04/2024 Bug fixes and performance improvements 1.6.10 07/26/2021 Improvements to push notifications 1.6.4 01/08/2021 Performance enhancements 1.6.0 11/03/2020 Under the hood changes to make the app faster 1.4.5 10/09/2019 General reliability improvements 1.4.0 03/06/2019 Performance improvements 1.3.10 12/20/2018 Improvement to security and performance 1.3.8 08/20/2018 -We'll remember your email on sign out. We're not strangers, so let's not act like it.
-A new sign-in flow that makes it much easier for you to recover your account and login details.
-Summary and confirmation of all your bank transfers, so there are no surprises when you move your money.
-We can auto-approve jobs for employees, as long as employers are integrated with the Instant system and have updated their records. 1.3.5 07/09/2018 + Under-the-hood changes to further enhance performance and improve security.
+ Streamlined access to support
+ Updated account creation flow
+ Improved job & location selector
+ Bug fixes 1.3.1 03/21/2018 Improvements to bar code scanning 1.2.7 07/04/2017 We’re turbo-boosting our infrastructure! This update contains under-the-hood changes to further enhance performance. 1.2.5 03/10/2017 We’re turbo-boosting our infrastructure! This update contains numerous under-the-hood changes to enhance scalability, performance, and security. 1.2.4 01/19/2017 We’re turbo-boosting our infrastructure! This update contains numerous under-the-hood changes to enhance scalability, performance, and security. 1.2.0 01/16/2017 - Internal changes 1.1.3 11/23/2016 - Internal changes 1.1.0 09/21/2016 Internal optimizations and bug fixes 1.0.8 06/27/2016 -Minor internal bug fixes 1.0.5 06/10/2016 -Minor internal bug fixes 1.0.4 06/02/2016 Minor internal bug fixes 1.0.3 04/13/2016 Minor bug fixes 1.0.2 02/24/2016 Minor bug fixes 1.0.1 01/22/2016