Meet PayWise+,
your AI enabled financial wellbeing solution
PayWise+ is the AI-powered financial wellbeing platform that combines on-demand pay, smart money tools and intelligent, AI-enabled insights, personalised to you.
Spend smarter, save more, and build long-term wealth without the stress.
PayWise+ is practical, personal, and proven. It works where you do right on your phone, helping you manage unexpected expenses and make smarter financial moves every day.
Access up to 50% of your earned wages instantly.
No interest, no hidden fees
Watch your earnings accumulate in real-time.
Full transparency and control of your money
Discounts with major retailers.
Smart spending recommendations
High-interest savings options.
Build long-term financial resilience
*Easy access savings accounts are provided by Griffin Bank Ltd (Griffin). As Griffin is a UK bank, your funds are protected by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. The FSCS covers eligible deposits of up to £85,000 per depositor.
We all live busy lives and life doesn’t always wait around for payday. Sometimes it’s useful to take some pay before the end of the month or take your pay in increments - rather than in a lump - to spread the load.
Download PayWise+ now
Spend smarter and save more
From day one, you get AI insights that help you stretch your paycheck further, build emergency savings, and make confident financial decisions.
more savings
less financial stress
faster goal achievement
of users report a positive impact
More than half of UK workers say financial stress holds them back at work. The cost-of-living crisis is real, and while most people juggle 5+ financial apps, the majority still struggle to stay on top of their money.
The truth? More tools don’t equal more control. What’s missing is clear, integrated guidance that helps employees make smarter financial decisions day to day.
PayWise+ is an AI-powered financial wellbeing platform included in your employee benefits. It gives you instant access to earned wages, real-time pay tracking, retailer discounts, and secure savings options—helping reduce money stress and build financial confidence.
Unlike traditional employee benefits that often sit unused, PayWise+ is designed to be genuinely useful in your daily life - helping you make smarter financial decisions, reduce money stress, and build long-term financial security.
PayWise+ offers four powerful features working together:
Instant Access to Earned Wages
Real-time Earnings Tracking
Savings on Everyday Purchases
Save as you earn
Simply download the PayWise+ mobile app on iOS or Android and follow the quick setup process.
The earned wage access feature within PayWise+ lets you withdraw a portion of the money you’ve already earned before payday. It’s not a loan—you’re simply accessing your own wages early, giving you more flexibility to manage expenses and reduce financial stress between paydays.
PayWise+ is a complete financial wellness platform that helps with budgeting, saving, and long-term wealth building. Earned wage access is just one of the many benefits you’ll gain.
No. Unlike a loan, earned wage access lets you withdraw your money that you’ve already earned—up to 50% of your wages. It’s not borrowing or taking on debt.
Furthermore, the AI-powered financial wellness features within the PayWise+ platform help with budgeting, saving and support long term wealth building to improve your financial resilience.
On-demand pay is similar to earned wage access, typically offered through a financial wellbeing platform like PayWise+ with added features like budgeting tools and savings support.
Any amount accessed early through the earned wage access feature within PayWise+ is deducted from your next payslip, with full transparency.
PayWise+ learns about your financial situation and provides personalised recommendations:
You can access retailer discounts, real-time spending insights, and an FSCS-protected savings account with competitive interest.
*Easy access savings accounts are provided by Griffin Bank Ltd (Griffin). As Griffin is a UK bank, your funds are protected by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. The FSCS covers eligible deposits of up to £85,000 per depositor.
PayWise+ is built with your financial wellbeing in mind:
Most features are free as part of your employee benefits. The earned wage access feature may include a small, transparent transaction fee shown upfront in the app.
Your personal financial data stays private. Employers only see overall usage trends, never individual transactions.
Many employees find immediate value from the spending insights and budgeting tools. The earned wage access feature provides instant relief during tight periods, while ongoing support and education help build long-term financial confidence.
Yes. The app is designed for all levels of tech comfort, with step-by-step guidance.
Yes. PayWise+ is ideal for shift workers, adapting to irregular pay patterns and variable schedules across sectors like healthcare, hospitality, and beyond.
Support is available directly in the app, along with additional financial wellbeing resources and links to trusted advice services.
AU & NZ
SG
MY
US
IE
