Earnd
- Model
- Employer-sponsored
- Employee fee
- Flat fee (employer can subsidise)
- Interest
- None
- Max advance
- Up to 50% of earned wages
- Repayment term
- Next pay run
- Cost of advance
- —
Earnd
Employer-sponsored earned wage access with a small flat fee that employers can subsidise.
- Model
- Employer-sponsored
- Max advance
- Up to 50% of earned wages
- Interest
- None
- App (iOS)
- Not available
Best for
Best for employers wanting to offer EWA as a subsidised benefit
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Setup fee
- Free for employer
Online payments
Online checkout and keyed-in card transactions.
- Setup fee
- Free for employer
Contract terms
- Contract length
- Contact provider
Last verified 21 May 2026.
Strengths and trade-offs
Pros
- Small flat fee, no interest
- Employer can subsidise the employee fee
- Free for employers to offer
- Payroll API integration
Cons
- Requires employer sign-up
- Pricing only on request
- Employees cannot self-serve
About Earnd
Earnd is an Australian employer-sponsored earned wage access provider. Employers integrate Earnd with their payroll, and employees can access up to 50% of earned wages early for a small flat fee per withdrawal that the employer can choose to subsidise. Earnd is free for employers to offer as a benefit and integrates with payroll systems via API. Pricing is provided on request. It positions earned wage access as a financial wellbeing benefit rather than a consumer credit product.
Earnd was founded in 2018 and is headquartered in Sydney, Australia.
How Earnd compares
Side-by-side with the closest alternatives by estimated cost.
Based on a $500 advance repaid in 7 days.
CommBank AdvancePay
$5 est.
- Model
- Consumer-direct (bank product)
- Employee fee
- $5 per $500 (about 1%)
- Interest
- None (14.90% p.a. only if overdue)
- Max advance
- Assessed individually
- Repayment term
- By next pay
- Cost of advance
- $5
Employment Hero EWA
$8 est.
- Model
- Employer-sponsored
- Employee fee
- 1.3% (Swag Wallet) or 1.5% (bank account)
- Interest
- None
- Max advance
- Up to 50% of earned wages
- Repayment term
- Next pay run
- Cost of advance
- $8
Beforepay
$25 est.
- Model
- Consumer-direct
- Employee fee
- 5% flat
- Interest
- None
- Max advance
- Up to $2,000
- Repayment term
- Up to 62 days (4 instalments)
- Cost of advance
- $25
Common questions about Earnd
The same questions Australian merchants ask before signing up.
Earnd does not publish a standard rate in Australia. Pricing is quoted based on your business size, industry, and card mix. Request a quote on their site, or use our free fee calculator to compare against providers that do publish rates.
Earnd contract terms in Australia: Contact provider. Check the fine print for any early termination fees before signing.
Earnd settlement times are not publicly listed.
Earnd AMEX pricing in Australia is not publicly listed. Ask their sales team whether AMEX acceptance and rates are included.
Earnd does not advertise least-cost routing for Australian merchants. If you take a lot of contactless debit, compare against providers that do support it on our comparison page.
Earnd is best suited to best for employers wanting to offer ewa as a subsidised benefit. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to Earnd and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
We may earn a commission when you click through to a provider. This never affects ranking or data shown. Read our terms.
Compare Earnd
Compare Earnd against every other Australian provider on price, contract terms, and features.