Humanforce

Humanforce offers employer-sponsored earned wage access, the product the former Earnd became after Humanforce acquired its Australian business. The employer enables it and connects it to payroll. Once set up, employees can access a portion of the wages they have already earned at any time through the Humanforce app, without waiting for the regular pay run. Repayment is automatic: the accessed amount is deducted from the employee's next pay under Single Touch Payroll.

The earned wage access feature is free for employers to enable. Broader Humanforce pricing is available on request. Employers can also choose to subsidise the employee withdrawal fee as part of a staff financial wellbeing benefit.

Humanforce charges employees a small flat fee per withdrawal. The employer can choose to cover this fee, making each access free for the employee. The exact fee depends on the arrangement with the employer.

No. Humanforce provides access to wages the employee has already earned in the current pay period. Because no new credit is extended, it is earned wage access rather than a loan, and there is no interest.

Employees can typically access up to 50% of their earned (after-tax) wages at any point in the pay cycle. The exact cap is set during employer configuration and is based on the wages accrued since the last pay run.

Humanforce earned wage access works within the Humanforce workforce management suite and connects directly to payroll for Single Touch Payroll compliant deductions. Because the employer must enable the integration, individual employees cannot self-serve unless their organisation has set it up.

It suits employers, especially those already using Humanforce, who want to offer earned wage access as a financial wellbeing benefit. It is not available to individual employees whose employer has not enabled it.