Competitors
50
Go Back
EarnIn
earnin.comSummary
EarnIn is a financial technology company that provides an app allowing users to access their earned wages before payday. It offers features like early direct deposit, a prepaid debit card for real-time access to earnings, and tools to help manage bank balances and monitor credit.
Feature Matches3/12
See all3/12
Must Have
2 of 5
Prepaid Debit Card (Cash App Card)
Early Direct Deposit
Instant P2P Transfers
Commission-Free Stock Trading
Bitcoin Trading
Other
1 of 7
Fraud Monitoring & Security
High-Yield Savings
Round-Up Savings
Pay Over Time (Afterpay)
Instant Discounts & Offers
Customizable Card Designs
ATM Access & Fee Reimbursement
PricingFreemium
See allFreemium
Standard Services (Free Tier)
$0.00 one time
- Cash Out (1-2 business days)
- Early Pay (standard delivery by payday)
- Balance Shield alerts
- Credit Monitoring
- Tip Yourself savings account
- Slower transfer speeds
- Cash Out limited to $150/day, $750/pay period
- No EarnIn Card access
Cash Out Lightning Speed
$3.99 per use
- Cash Out funds deposited within minutes (up to 30 mins)
- Per-transaction fee
Early Pay Lightning Speed
$2.99 per use
- Paycheck deposited up to 2 days early on the same day employer processes payroll
- Per-transaction fee
Balance Shield Lightning Speed Transfer
$5.99 per use
- Automatic $100 transfers to avoid overdrafts within 30 minutes
- Per-transaction fee
- Subject to Daily/Pay Period Max limits
EarnIn Card (with Autopay)
$2.99 monthly
Popular- Live Pay (real-time access to earnings up to $1,500/pay period)
- Build credit history
- Use anywhere Visa is accepted
- ATM access ($2.99/transaction)
- Requires at least $1,000/month direct deposit
- Not available in all states (CT, DC, HI, MA, MI, MN, NJ, NV)
EarnIn Card (Manual Pay)
$12.99 monthly
- Live Pay (real-time access to earnings up to $1,500/pay period)
- Build credit history
- Use anywhere Visa is accepted
- ATM access ($2.99/transaction)
- Requires at least $1,000/month direct deposit
- Not available in all states (CT, DC, HI, MA, MI, MN, NJ, NV)
- One-time $5 processing fee to issue card
Rationale
EarnIn offers an 'EarnIn Card' which functions as a prepaid debit card, allowing users to access their earned wages. They also explicitly state 'Early Pay: Get paid up to 2 days early', which directly matches the early direct deposit feature. Furthermore, the 'Balance Shield' feature provides alerts and automatic transfers to help protect against overdrafts, indicating a form of fraud monitoring or balance protection. While EarnIn focuses on earned wage access rather than general P2P transfers or investing, it aligns with these specific features.
Found via SearchPaid
See allbest alternatives to competitor product 2024
competitor vs alternative comparison honest review
GossipPaid
See allBest alternatives to [Product] in 2024?
Reddit·tech_enthusiast·2d ago·+142
I've been using Alternative A for 6 months now and it's been fantastic. The pricing is much better and the features are actually more robust than what [Product] offers.
Show HN: We built a better [Product]
Hacker News·startup_founder·5d ago·+89
After struggling with [Product]'s limitations, we decided to build our own solution.
It handles edge cases much better and the API is actually documented properly.
Check it out at our site.
[Product] vs Competitor B - which one should I choose?
Reddit·confused_buyer·Oct 14·+67
Honestly, after trying both, Competitor B wins hands down. Better customer support, cleaner interface, and they don't nickel and dime you for every feature.
Why we migrated away from [Product]
Hacker News·cto_mike·Oct 11·+234
The breaking point was when they changed their API without notice. We lost 3 days of productivity. Solution C has been rock solid for us since we switched.