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Employment Hero EWA

Earned wage access built into the Employment Hero platform, 1.3% to 1.5% per withdrawal.

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In-person rate
—
Online rate
—
Monthly fee
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Contract
Month-to-month (via Employment Hero)

Best for

Best for businesses already using Employment Hero for HR/payroll

Pricing breakdown

All prices in AUDLast verified 22 June 2026

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
Month-to-month (via Employment Hero)

Strengths and trade-offs

Pros

  • Low 1.3% to 1.5% fee, no interest
  • Free for employers on the Employment Hero platform
  • Integrates with Employment Hero Payroll, Xero, MYOB, KeyPay
  • Published, transparent fees

Cons

  • Employer must use the Employment Hero platform
  • Lowest fee (1.3%) requires using the Swag Wallet
  • Unavailable if your employer is not on Employment Hero

About Employment Hero EWA

Employment Hero EWA (formerly InstaPay) is earned wage access built into the Employment Hero HR and payroll platform. Employees can access up to 50% of earned wages early, paying 1.3% when transferring to the Swag Wallet or 1.5% to an external bank account, with no interest. It is free for employers as part of the Employment Hero platform and integrates with Employment Hero Payroll, Xero, MYOB and KeyPay. Because it is built into the platform, the employer must use Employment Hero. It operates under an ASIC Credit Licence.

Employment Hero EWA was founded in 2014 and is headquartered in Sydney, Australia.

Common questions about Employment Hero EWA

The same questions Australian merchants ask before signing up.

  • Employment Hero EWA (Earned Wage Access) is built into the Employment Hero Work app. Employees whose employer uses the Employment Hero HR and payroll platform can request access to wages they have already earned at any time. Employment Hero funds the request and the amount is automatically deducted as a payroll deduction in the next pay run.

  • The fee per withdrawal is 1.3% (Swag Wallet) or 1.5% (bank account) when the funds are sent to an external bank account. A lower fee applies for transfers to the Swag Wallet (Employment Hero's integrated spending account). There is no interest charged.

  • EWA is included at no additional cost for employers already on the Employment Hero platform. There is no separate setup fee for the employer.

  • Yes. The employer must be using the Employment Hero HR platform and have payroll connected to it. Employees cannot access EWA independently; the feature is enabled through the employer's account.

  • Employees can access up to 50% of their earned wages per pay period, subject to a weekly maximum set by Employment Hero.

  • Employment Hero EWA works with Employment Hero Payroll, Xero, MYOB, and KeyPay. The employer's payroll must be connected to the Employment Hero platform for EWA to function.

  • No. Employment Hero EWA gives employees early access to wages they have already earned. It is interest-free and does not involve the extension of new credit in the way a payday loan or personal loan does. Employment Hero holds an ASIC credit licence for this product in Australia.

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