Instant Financial
June 20, 2024
More About Instant Financial
Connect your Instant card with your Instant account to receive your wages and/or tips, make in-store and online purchases, and withdraw cash from ATMs. Use the Instant app to receive important notifications, claim Instant Pay offers, check your real-time balance and view your recent activity, find the nearest ATM for free cash withdrawals, and transfer your money to another bank account.
Instant puts you in control over how you get paid.
GETTING STARTED
1. Create an Instant account with your email address and password
2. Enter your personal information for verification purposes
3. Connect the Instant card you received from your manager by scanning the barcode to the right of your Instant card on your welcome letter (the paper your card was glued on)
4. Find your employer and add a job
5. Once you’re verified, you’ll receive your earned wages and/or tips right to your Instant card after your shift
FEATURES & BENEFITS
• Pair a new or replacement Instant card to your Instant account
• Get notified when Instant Pay offers are available
• Get notified when you’ve been paid your Instant Pay, the balance of your Net Pay, or Instant Tips
• Receive your daily wages and/or tips directly to your Instant card and have immediate access to your money
• Check your account balance and review your latest account activity
• Find the nearest ATM for free cash withdrawal across the MoneyPass ATM Network (US) or the Exchange ATM Network (Canada)
• Freeze and unfreeze your card so your money cannot be spent or withdrawn in case your card is lost or stolen
• Transfer money to another bank account - one-time transfers and scheduled recurring transfers
• Receive support via email, chat, or phone call
• Update your personal information in the app
• Pay your bills (in Canada only, US coming soon)
NO USAGE FEES
At Instant, we don’t believe in charging you fees to receive, spend, or access your own hard earned money. We only charge avoidable fees, such as a 90-day account inactivity fee or an off-network ATM withdrawal fee.
For a comprehensive list of fees, please refer to our US Cardholder Agreement (https://www.instant.co/us-cha/) or our Canadian Cardholder Agreement (https://www.instant.co/ca-cardholder-agreement/)
PRE-AUTHORIZATIONS
Please be aware that some merchants, such as gas stations, restaurants, hotels, and car rental agencies, may place a temporary pre-authorization hold to ensure your card is valid and that there are sufficient funds on the card to cover the final amount. Holds are usually removed and released back to your card when the transaction is completed within 5 days or sooner. Some merchants, such as hotels and car rental agencies, have pre-authorization holds that can last up to 45 days.
BANK TRANSFERS
Please be aware that bank transfers made before 1PM ET can take an estimated 1 business day to process and appear in the destination bank account.
Bank transfers made after 1PM ET will take an estimated 2 business days to process and appear in your destination bank account.
Need your money sooner? Visit an ATM to withdraw your cash and deposit it into your bank account the same day.
RESTRICTIONS
Please note, you can only load your Instant card through wages, tips, or reimbursements received from your employer.
SUPPORT
• FAQ: https://instant.zendesk.com/hc/en-us
• Chat Support: Tap on the menu icon, tap on “Help”, and tap on “Chat With Support”
• Phone Support: Call the number on the back of your card
Latest Version
2.0.3
June 20, 2024
INSTANT Financial
Finance
Android
567,140
Free
com.beinstant.INSTANT
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User Reviews
Thomas Hoffa
1 year ago
Its a great app, but, the customer support is amazing, they're fast, and efficient, they really helped me out when I was unable to get into the app at all, and I really appreciate them for that.
Vincent Merritt
1 year ago
Been using this app for 6 months, and now it says I have to update. I had to uninstall to download the newer version. Now, it doesn't recognize my email or allow me change my password.
JordanBigMoneyBanks
1 year ago
This app is dumb I need to use it for a month for my job and I can't even get in the damn thing. When I push on the app it goes in and just shows a white screen.. waste of time.
Nexus Inc.
1 year ago
The app logs you out every time for no reason and they say theres nothing that can be done. The last app was able to keep me signed in but suddenly that is foreign technology? Ridiculous
Laura T
1 year ago
I am having a terrible time trying to update the app, with zero help from Instant, and I cannot open the app until I get it updated. I have tried every which way, numerous times, to update and nothing works. Supposed to be 24/7 chat or phone help and I have tried both without getting anyone. Awful service, and meanwhile I cannot access my pay.
Heather Elrod
1 year ago
There's always problems. Used to be good now it's always a technical issue and you don't get paid like your supposed too...2 years after my first review not a thing has changed in fact its gotten worse and if everybody is having the issues I am, I don't see instant being a thing anymore.
Jblue :v
1 year ago
I can't use the card in online purchases. Edit: I can't use in Google services, just to Paypal, but the rest is fine. Edit. After the update I'm having problems to log in, it's asking me for my card's bar code but it won't load after that.
Zach Parbs
1 year ago
HATE THIS COMPANY. Can never get my funds to transfer, and card has no name so I can't pay my bills online or over the phone with the card. Such a pain. If I didn't get tips from my job I'd never use this company!!!!!! Oh and costumer support is more of a joke than the app. I also know of at LEAST 6 of my coworkers who have had their accounts hacked and their money stolen (one coworker had over $800 taken that was their rent money). And then it takes over a month for anything to come of it.
Smarty
1 year ago
THE 'INSTANT APP' IS NO LONGER AN APP!!!! This is why they told you to uninstall the previous REAL app and install this GARBAGE. The new version is a few lines of code to use a "frame" around your browser to make it appear you're using an app. THIS NOW MAKES YOUR INSTANT ACCT NOW MORE VULNERABLE TO BEING HACKED!!!! AND you cannot use a VPN on your phone anymore, WHICH WOULD HAVE AT LEAST ADDED ANOTHER LAYER OF SECURITY for you, but NAH! WHO MAKES THEIR COMPANY MORE VULNERABLE TO BEING HACKED!?!
Mary-Jane
1 year ago
I go into instant to check my tipout from that night since I had worked. It shows me a white screen and tells me I need to update my version of the app. It's already updated, instant simply will not load. So I delete the app. What's this? I don't remember my password. I've pressed that reset password button four different times as I'm writing this and I haven't gotten a single email, and I've checked EVERYWHERE. Oh! And my card won't work at all, I have to transfer my money to my bank card.
Tiny Tank
1 year ago
The new version of the app was okay until it randomly logged me out over night and I've tried the same passwords I usually use and it will not log in tried resetting the password only to be looped around and around says link is expired or invalid then I try to restart the process and it says can fetch the email after sending me think in to that email to change my password. Time to go to a bank I guess
1- 20 - 7 LG
3 years ago
Besides early wage access, this app is terrible and practically useless. Almost a 5 dollar fee to transfer money to your own bank. No direct deposit or early holiday pay. Can't use card for anything really useful. Doesn't work at most ATMs, can't use it to pay most bills, and can't even use it to load your bus card, smh. I'm definitely getting away from this as soon as possible especially since I'm no longer eligible for early wages. That was the only good thing about this app.
A Google user
6 years ago
I've been using the Instant Pay app for about 7 months now. At first, I loved it and was very impressed with how it lets me get part of my pay from working the day before (if I want to)... until the offers weren't being offered much anymore! It's maybe 2 or 3 times a week now. I use it to make sure I can get to and from work but when it doesn't give the offer like it's supposed to it's a financial strain. If I could go back in time I wouldn't use the app! Very disappointed lately!
Bill Britcher
2 years ago
After using the card for a couple of year's, and knowing which free atms to use, I was never charged a fee. All of a sudden, out of nowhere, I started getting charged an 'out of network' fee for my withdraws. Using the same atms I always used. Even with screen shots with dates and locations, they tried telling me I was using the wrong atms. 1 accidental charge is an inconvenience. 14 accidental charges is a $70 problem.
A Google user
5 years ago
I really like the app. I like that I get my money instantly. The only reason I give 4 starts and not 5 is because it takes 2 days or more to transfer to my bank account. This is where all my bills are paid from and it is an inconvenience when I can't just immediately transfer the money where it needs to go. Also, don't use the instant transfer... It costs money and I tried twice without getting anything done. One time I lost any access to my money for 13 hours! So, yeah, it's a good idea.
Zachary Holt
3 years ago
Being able to receive payment the next day is very nice. Had issues transferring money to my bank account, it says the request is sent but I never got the money. When I tried to click the "contact support" button, it literally did nothing. That was the old review. Despite contacting support numerous times, I am still unable to transfer funds. The app does not function properly, it does the absolute bare minimum of holding your money. That is it.
A Google user
6 years ago
The app itself is fine. It alerts you when your money is deposited, it keep track of your transactions, and you can easily transfer your money into your account; which is exactly what I do as soon as my money deposits. On another note, I do not trust instant financial as a bank. My account got hacked and it took over a month to get my money back. But the app itself, great!
A Google user
5 years ago
Seriously? My device just had a routine update & now Instant won't even open. I tried all of the usual things, restarting my device, uninstalling & reinstalling Instant & it continues to crash "instantly" when I attempt to access Instant. Based on the reviews I've read on your app, this sort of thing is consistent with the issues a lot of people are having. It would seem this app is in dire need of an overhaul. When do you think that I'll be able to access my money? Any ideas?
Asher Lee
3 years ago
I've had this app for 3 almost 4 yrs and as time goes on it only gets worse and worse. They charge you $5 and out of network fees for ATMs that aren't in the network. The 1-2 day transfers sometimes take a whole extra day. And NOW I get an error pop up box that says that real time transfers aren't possible atm (it's been like this for over a week). I've tried contacting support through their chat system and it sucks beyond all belief!! I've always had to wait 1-2 hrs for service!! Get better!!!
Leslie McCormick
1 year ago
It's OK except when it thinks that you're being a fraudulent person and then it locks you out of using your money. Then you have to call customer support for it to be unlocked. Very annoying when it happens nearly every payday!!!!!!!! Also if you want me to update the app maybe you should provide an update link instead of me having to uninstall and then install it again.
