---
title: "Spentra - Reviews, Revenue and Downloads in United States | Apple App Store"
description: "A complete pay access solution designed to improve financial stability. Get early access to earned wages anytime, anywhere.  The Spentra Mastercard® Payroll Card featuring Money Earned® is an employer"
---

# Spentra — United States
> Access Your Pay, Your Way

![Spentra App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/df/9b/07/df9b078d-abd6-d390-cbcb-f5daba7faedb/AppIcon-0-0-1x_U007emarketing-0-8-0-sRGB-85-220.png/434x0w.png)

**Developer:** [Spentra](https://apptail.io/developer/spentra-nCCf)
**Category:** Finance
**Rating:** 4.8/5 (941 ratings)
**Price:** Free
**Bundle ID:** com.spentra.paycard
**Store:** Apple App Store
**Country:** United States
**Version:** 15.2.0 (released 2026-04-06)
**Original Release:** 2019-02-19
**Languages:** English, Spanish

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1449725820)
**AppTail Page:** [https://apptail.io/app/spentra-ZfPd/united-states](https://apptail.io/app/spentra-ZfPd/united-states)

## Spentra Description
A complete pay access solution designed to improve financial stability. Get early access to earned wages anytime, anywhere.

The Spentra Mastercard® Payroll Card featuring Money Earned® is an employer-sponsored benefit. It was designed from the ground up to provide an employee with a better option to get and manage their pay.

Money Earned® is our proprietary patented product that allows you instant access to up to 50% of your already earned net wages in advance of your paycheck date. If your employer already offers the Spentra Card just download the app, request your card, and begin to manage the money you know you have. If your employer does not currently offer the Spentra Card, just have them contact us at info@spentra.com and we will be glad to make that happen.

Take control of your money and align what matters to you…today.

MANAGE AND ENJOY YOUR SPENTRA ACCOUNT

• Enroll and manage your card directly from the Spentra app
• Instant transaction alerts* anytime you use the Spentra Card
• Block and unblock your card directly from the app
• Interactive surcharge-free ATM finder from the app
• Over 55,000 surcharge-free Allpoint ATMs
• No fee for the card
• No monthly maintenance fees
• No minimum balance fees/requirements
• No ACH deposit fees
• Friendly and responsive customer support
• FDIC insured up to $250,000 through Patriot Bank, N.A., Member FDIC
• Our patented benefit - Money Earned®

*Standard message and data rates from your wireless service provider may apply.

The Spentra Mastercard® Payroll Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Consult your Cardholder Agreement and the Fee Schedule for fees, terms, and conditions associated with the approval, maintenance, and use of the Card. The Card may be used everywhere Mastercard debit cards are accepted. Restrictions apply; see Cardholder Agreement for details. Spentra Card is not offered in New York.

The Money Earned® feature provided by Spentra, LLC is not sponsored, endorsed, administered by, or associated with Patriot Bank, N.A. who has no liability in relation to the service.

## Spentra Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/9b/09/8b/9b098b67-b60e-7eb3-230f-4a7b1b2dcdce/27c36c4b-57c6-43e4-bc37-3e8a90aa61aa_apple_store_1242x2688.jpg/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/9b/f9/be/9bf9beca-cf42-40c9-e12b-9fefba90c6d2/db236353-6ec7-4241-abd2-f1abb6def760_apple_store_1242x2688-1.jpg/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/49/6e/71/496e719a-7076-4695-86e0-6d01b5e94e1a/d9628953-87a0-4c42-8ebe-0bb857bc63c5_apple_store_1242x2688-2.jpg/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/20/fb/5d/20fb5d93-39f0-eade-b772-68824204afe6/a28f6ca0-0968-4bdd-bc1a-7a59d1eea51e_apple_store_1242x2688-3.jpg/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/01/b1/3e/01b13eff-c63e-7070-1c58-9aac2f09cdff/7df08bde-62b1-4c12-85f8-cd39ffa464fd_apple_store_1242x2688-4.jpg/1242x2688.png)

## Spentra Rating Breakdown in United States
- 5 stars: 866 (92%)
- 4 stars: 40 (4%)
- 3 stars: 14 (1%)
- 2 stars: 3 (0%)
- 1 stars: 18 (2%)

## Spentra Reviews in United States

### ***** "Activity Therapy"
Nice when you short on funds
-- Fun tooooooooooo, 2025-09-07

### **--- "Not updating"
My app hasn’t updated since July 3rd so I haven’t been able to access any of my money since the second no one in customer service on the weekends.  Anyone else have the same issue
-- Nikkih9303, 2025-07-07

### *---- "Poor service"
Unsafe!
-- dargsj5, 2025-01-19

### ***** "Best Invention/ AppEver!!"
I had never heard of this payroll app until I started my new job. Being in the F& B industry this is extremely useful especially when you have to wait twice a month to get paid. I actually squealed like a schoolgirl during orientation when the instructor was explaining on how this card can give you your hard wages without having to wait for payroll to go through. Sometimes we are only short a few dollars short until next pay day, need to pay a bill ASAP or an emergency, this app can give you that option to manage your finances without worrying about the stress of waiting to receive your direct deposit!
-- Infused Chef Baker, 2024-07-29

### *---- "Employee"
So this is not a good money option always a fee for withdrawal- change your card is also a fee
I called customer service when I received the new card upon not requesting it and they guy was the rudest most disrespectful customer service I have had it a while. He would not tell me his name and he completely made the company look like absolute garbage by not just pushing me through to someone else that was able to help
-- Ccccckw r en r, 2024-02-26

### **--- "Surcharge free atms have been charging for withdrawals lately."
Getting charged at surcharge free ATMs? Also the card to account transfer still coming soon?
-- @RealNickPettit, 2022-10-20

### ***** "Easy and Secure Transactions"
First debit platform I’ve ever used. 
Historically I’ve maintained a pretty traditional approach to manage finances; Cash, check, credit.
Tried Spentra for the ability to direct paycheck funds directly to a card when I want, instead of navigating the path of a traditional bank transaction.
Mobile app interface is simple, clean and easy to engage, even I can do it! The platform offers mapping to locate ATM’s in your area that service free of transaction fees… we like that. Can use on Amazon, etc., like any debit card Carried on vacation instead of flashing credit cards or carrying more cash than necessary. Running low, no problem, this gives you the ability to redirect paycheck “credits” to your card instantly to fill in any gaps… able to lock and receive transaction notifications instantly.
So far it’s a very handy tool.
Thanks Spentra!
KG
-- Oltenderfoot, 2022-04-13

### ***** "Acceso rápido a dinero"
Me ayuda a acceder efectivo inmediatamente en emergencias o el supermercado😀
-- Scheduling Humanetics, 2022-04-13

### ***** "Easy and Convenient!"
This card is a life saver!! It is amazing knowing that if i am running a little short on cash i can always get an advance on my check!!
-- Humanetics Purchasing Mimi, 2022-04-13

### ***** "Easy use"
Does what I need.
Tells me my amount 
Transfer quick
Money in hand
-- NaycVonne35, 2022-04-13

[View all Spentra reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)




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