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Earned Wage Access

Giving your team a flexible, on-demand access to their earned wages?

That's a forward thinking approach to employment benefits.

A graphic featuring a person smiling while using a smartphone and holding a card. Text overlays indicate $250 available and a "Get paid on-demand" message, promoting quick access to earned wages
An image of a smartphone screen displaying an earned pay request interface.

What is Earned Wage Access?

Earned Wage Access is available via the Swag app and is available to employees of organisations using Employment Hero HR and connected Payroll. Giving your team a flexible, on-demand way to access their pay as soon as they've earned it.

For a 1.3-1.5% fee per transaction,* your employees can request up to 50% of their earned wages, which is capped at a maximum of $1000 per week.

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Supporting financial flexibility

EWA is a straightforward concept: it lets employees access their earned wages before their regular payday.

This isn’t like outdated payday loans or Buy Now, Pay Later schemes — it provides your team a safety net without the debt trap or interest risk.

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Provide meaningful employee benefits with EWA

"If I can access my pay early… that’s going to provide us with a point of difference to other businesses out in the marketplace, especially during recruitment and wage review periods." - Tanya McCombe, HR Manager, Macadamia Farm Management

An image of a smartphone screen displaying an earned pay request interface.

How do employees access it?


  1. Log into the Swag by Employment Hero app.

  2. Tap Money.

  3. Tap Income.

  4. Enter the amount you want and where you'd like to send it.

  5. Follow the prompts to finalise.

Financial wellbeing

What does my payroll team need to know?

There's no extra admin. When a user requests access to their earned wages, Employment Hero funds that request to the users nominated account.

The withdrawals are then automatically recorded as a deduction in the payroll system in the next pay cycle.

For more details, check out the below guide.

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What are the fees and charges?

Users pay a 1.3% per transaction into a Swag Spend account and 1.5% per transaction into an external bank account.

Why do we offer Earned Wage Access?

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Helping address financial strain

Employees get real-time payments for the work they’ve done, which promotes better budgeting and reduces reliance on short-term credit to bridge the payday gap.

Earned Wage Access is a 100% credit-free, interest-free option that gives employees access to their own earned wages.

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No extra payrun effort

Access to earned wages integrates seamlessly with your existing payroll process, making it an easy benefit for your team without adding extra work for you.

Your team simply request access to a portion of their earned wages via our app, Swag by Employment Hero.

The maximum withdrawal is $1000 per week, up to 50% of an employees owed pay.

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