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EarnIn
play.google.comSummary
EarnIn is a mobile application that allows users to access their earned wages before payday, offering cash advances and early direct deposit. It also provides tools for budgeting, credit score monitoring, and savings, aiming to help users manage their finances and avoid overdrafts.
Feature Matches3/12
See all3/12
Must Have
1 of 5
Early Direct Deposit
Instant P2P Transfers
Prepaid Debit Card (Cash App Card)
Commission-Free Stock Trading
Bitcoin Trading
Other
2 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
EarnIn Standard Services
$0.00 per use
- Cash Out (1-3 business days)
- Early Pay (by regular payday)
- Balance Shield alerts
- Free Credit Monitoring
- Tip Yourself savings (0% APY, $0 monthly fee)
- Optional tipping
- Slower transfer speeds
- Cash Out limits up to $750 per pay period
- Available in select states
EarnIn Lightning Speed / Expedited Services
Custom
- Cash Out in minutes
- Early Pay up to 2 days early (expedited)
- Balance Shield automatic transfers (Lightning Speed option)
- Live Pay with EarnIn Card (up to $1,500/pay period)
- Fee per expedited transfer
- Lightning Speed availability may vary
- EarnIn Card requires direct deposit of at least $1,000/month
- Live Pay has daily limits ($1,500 for purchases, $300 for cash advances)
Rationale
EarnIn primarily focuses on providing early access to earned wages, which aligns with the 'Early Direct Deposit' feature. While it offers some financial management tools like savings and credit monitoring, it does not offer peer-to-peer transfers, a prepaid debit card, or investment features like stock or bitcoin trading, which are core to the Cash App concept. The 'Fraud Monitoring & Security' and 'High-Yield Savings' features are present, but the overall scope is narrower than Cash App.
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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.