Sign up & verify
Create an account with email, phone, and identity verification — handled by trusted KYC partners in under two minutes.
Finally feel in control
of your paycheck.
Turn payday anxiety into everyday confidence.
From sign-up to insight in five calm steps.
Onboarding feels like a guided checklist — never a wall of forms. Every step is reversible, encrypted, and explained.
Set up in minutes — on your break, between shifts, wherever you are.
Link your bank
Securely connect any U.S. checking account via Plaid. We read activity, never move money without your tap.
Unlock your membership
Activate the $4.99/month plan to turn on insights, budgets, advance access, and Intelligence.
See your money clearly
Cash flow, paycheck patterns, and budgets render automatically — no spreadsheets, no manual tagging.
Request an advance, if eligible
Eligible members in approved states can tap into up to 40% of estimated net pay — capped at $400 per pay period.
More than an advance.
A full money companion.
MoneyPal helps you track cash flow, budget smarter, and — if eligible — access earned wages early. One calm, secure app.
Cash Flow Tracking
See money in, money out, and what's left — refreshed every time your bank reports new activity.
This month
+12%
$3,284.10
Budgeting & Alerts
Set soft caps per category. We nudge you before, not after, you overspend.
Groceries71%
Dining90%
Subscriptions45%
Transaction History
Every charge tagged, searchable, and explainable in plain language.
Paycheck Insights
Spot direct-deposit timing, side-gig patterns, and irregular pay before they surprise you.
Financial Persona
A living snapshot of your money habits — gentle, honest, and never judgmental.
Intelligence
Ask anything: "Can I afford takeout this week?" — get an answer rooted in your real numbers.
Can I order takeout this week?
Yes — $48 fits without breaking your grocery cap. Suggested: keep it under Friday.
Financial Education
Short, plain-language explainers about credit, taxes, savings, and earned wage access.
Smart Reminders
Bill-due, low-balance, and payday alerts that respect your inbox.
Security & Biometrics
Face ID, PIN, biometrics, JWT sessions, and continuous fraud monitoring — by default.
Mobile-first
Designed for thumbs, optimized for glances, and built to feel calm on small screens.
Access wages you've already earned.
Not a loan. Never interest.
For eligible members in approved states. Advance gives you a portion of your estimated net pay before your next deposit — repaid automatically when payroll arrives.
How a typical advance works
Estimated net pay$1,000
Advance available (40%)$400 max
Advance ready now
$400.00
Repaid automatically when your payroll deposit lands.
Up to 40% of estimated net pay
We model your incoming paycheck conservatively, so you always have a buffer.
Max $400 per advance
One advance per pay period — designed for support, not dependency.
No interest, no late fees
Optional tips are exactly that — optional. Never required, never assumed.
ACH repayment on payday
Repayment runs automatically from your linked account on your next payroll deposit.
Available in approved states only
Advance is geo-fenced to states where we are licensed and compliant.
Advance is not a loan and not credit. Eligibility, advance amount, and delivery fees are disclosed before you confirm. Availability varies by state.
One price. The whole platform.
Membership turns on cash flow, budgets, paycheck insights, Intelligence, and — if eligible — MoneyPal Advance. Cancel anytime, in-app, no calls.
MoneyPal Membership
Everything in the app, every month.
$4.99
Start free in the app
Included in membership
Real-time cash flow & balance
Smart budgets and overspend alerts
Paycheck insights & deposit timing
Intelligence financial chat
Transaction history & search
Bill, payday & low-balance reminders
MoneyPal Advance access (if eligible)
Bank-level security, biometrics, fraud monitoring
Honest, by design
No upsells, no tiered bait-and-switch, no surprise charges. The price you see is the price you pay.
No interest, ever
Advance is earned wage access — not credit, not a loan, no APR, no late fees, no compounding.
Delivery fees disclosed up front
If you choose instant funding for an advance, fees are shown clearly at confirmation before you tap accept.
Available in 13 states.
Many more on the roadmap.
MoneyPal Advance is geo-fenced to states where we are licensed and compliant. Membership and budgeting features are available nationwide.
Approved states
Advance is fully live in these states today.
Florida
Texas
Illinois
Arizona
Georgia
North Carolina
Arkansas
Louisiana
Tennessee
Alabama
Idaho
Montana
Virginia
Security & compliance
Licenses & disclosures
Linking your bank should feel safer than swiping a card.
MoneyPal is built around the principle that financial trust is earned. We use the same identity, encryption, and money-movement rails as the apps your bank already trusts.
MoneyPal is proud to partner with Plaid, the leading open banking platform, for secure, read-only bank connections.
AES-256at-rest encryption
TLS 1.3in transit
SOC-stylesecurity practices
Identity verification
KYC handled by trusted partners — document + selfie matching, sanctions screening, and fraud signals.
Secure sign-in & PIN
Required app PIN plus optional biometrics. JWT sessions rotate continuously.
Plaid-linked accounts
Read-only bank connections via Plaid — your credentials never touch MoneyPal servers.
Tokenized payments
Card and ACH details are tokenized through Authorize.Net. We never store raw payment data.
Continuous fraud monitoring
Device, behavioral, and transaction signals are scored in real time on every session.
Formal policies & governance
Documented privacy, data retention, incident response, and access-control programs.
Built for the moments between paychecks.
Between shifts, routes, and rent — money should feel manageable.
"Groceries before payday used to mean overdraft fees. Now I tap Advance, get $180, and it auto-repays Thursday — done."
"I finally see which weeks I actually make money. MoneyPal showed me Tuesdays are my worst night — I just stopped driving them."
"I had no idea I was spending $84 a month on subscriptions I forgot about. The app surfaced it in one tap."
Frequently asked
Answers to the questions we hear most.
Still unsure? Our support team replies within one business day — and a real human reads every message.
Contact support
Is MoneyPal a bank?
No. MoneyPal is a financial wellness platform. We don't hold deposits or issue accounts — we connect read-only to the bank you already use.
Is MoneyPal Advance a loan?
No. Advance is earned wage access — not credit, not a loan. There is no APR, no late fees, and no compounding interest.
How much can I advance?
Eligible members can access up to 40% of estimated net pay per cycle, capped at $400 per advance, with one advance per pay period.
How does repayment work?
Repayment is automatic via ACH from your linked repayment account when your next qualifying payroll deposit is detected.
Why is Advance not available in my state?
Advance is only offered where MoneyPal is licensed and compliant. Membership and budgeting features are available nationwide.
What does the $4.99 membership include?
Cash flow tracking, budgets, paycheck insights, Intelligence, transaction history, reminders, and Advance access if you qualify.
How secure is my bank data?
Bank connections are read-only via Plaid. Data is encrypted at rest (AES-256) and in transit (TLS 1.3). We never store your bank login credentials.
MoneyPal in your pocket Check balances between errands — in seconds.
Calm money management,
wherever you are.
Open MoneyPal on a break, after a shift, or before bills are due. Your cash flow, budgets, and Intelligence stay one tap away — no spreadsheets, no stress.
$4.99/month · cancel anytime in-app
Advance available in 13 states for eligible members
Your money, calmer — starting today
Get the app that
Get the app that
pays attention for you.
Membership starts at $4.99/month. Cancel anytime, in-app. Advance available in approved states for eligible members.
