Earned Wage Access for employers
Give your team flexible, on-demand access to their earned wages. That’s the forward-thinking approach to employment benefits.

Earned Wage Access lets employees access up to 50% of their earned wages before their regular payday. It isn’t like payday loans or Buy Now, Pay Later schemes. EWA provides your team with financial flexibility between paydays, all without incurring debt or interest.

Earned Wage Access integrates seamlessly with your existing payroll process, making it an easy perk for your team without adding extra work for you.

Employees can withdraw 50% of their weekly earnings up to $1000 on our employee app, Employment Hero Work. These withdrawals are automatically added as deductions in your next pay run.

Employees can select to get paid on a certain day of the week, once a certain amount has been earned, or just withdraw on demand. Great for savings, unexpected bills, and better budgeting.

Earned Wage Access promotes employee wellbeing by providing greater control of their pay cycle, and real-time access to their earnings.
Modern payroll. Standout perks.
We live in a time where everything is instant: from food delivery to transport and banking. So why do we still pay employees weekly, fortnightly or monthly? Offer a standout perk, truly empower your employees, and attract and retain great talent with Earned Wage Access.

Offer financial flexibility
Empower your employees to take control of their own pay cycle. Let them spend, save and invest on their own terms.

A perk that works
Waiting weeks to get paid for a shift is a drain on your team. Offer a perk that makes a real difference to their lives.

No additional payroll effort
Withdrawals are automatically recorded as a deduction in the payroll system in the next pay cycle. No work required.
Our customers love offering Earned Wage Access
Earned Wage Access empowers employees, and retains great team members.
Frequently asked questions
Everything you need to know about Earned Wage Access.
Employees can access 50% of their earned wages, up to a maximum of $1000 each week through Employment Hero. The system calculates how much they’ve earned up until that point, allowing them to withdraw funds as needed, typically instantly.
Offering EWA improves employee satisfaction, reduces financial stress, and improves retention. Think of it like a flexible alternative to traditional pay cycles, allowing employees to access their earned wages when needed, leading to higher productivity and engagement.
EWA integrates seamlessly with Employment Hero payroll, with deductions added automatically to your next payrun. It doesn’t disrupt your payroll cycle but allows employees to access wages early, reducing the need for paycheck advances or payday loans.
Users pay a 1.3% per transaction into a Swag Spend account and 1.5% per transaction into an external bank account.
Employees can access their wages via Employment Hero Work, requesting the amount they’ve earned up to that point. Funds are typically transferred quickly, sometimes instantly, to their bank account or payment card.
EWA helps reduce financial stress by giving employees quicker access to earned wages, helping them save more effectively and impactfully, and manage unexpected expenses without turning to high-interest loans. This can improve financial stability, leading to greater overall wellbeing and job satisfaction.
You can monitor employee usage of EWA through the platform’s dashboard, which provides real-time data on withdrawals. This allows you to track utilisation and assess the impact on employee financial wellbeing.
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Never run another pay run again. We handle it all: you simply approve
Manage all payroll tasks from one place with automated data flows and error alerts., Make paying your people faster and worry-free.

AI-powered automation and expert oversight for accuracy and compliance.

Centralised access to pre-payroll data like timesheets, rostering and leave requests.


Automated bank transfers, compliance reporting, and more.
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Let employees access everything they need through an intuitive self-service portal

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Be the employer everyone wants to work for.
You offer the employment – we’ll bring the benefits

Employees can access everything they need through an intuitive self-service portal

Keep your team engaged and motivated with world-class benefits

Give your team flexible, on-demand access to their earned wages

Increase morale, productivity, and loyalty with an employee assistance program.
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