Cheq: Your Pay On Demand™

About Cheq: Your Pay On Demand™

Cheq gives your bank a brain 🤓 Get your wages on demand, master your bills, and spend smarter — all with the Cheq app.

The app lets you draw small amounts of your paycheck before payday! Instantly deposited into your account ⚡

— Your wages On-demand

In a pinch and need some money to cover unforeseen bills? or just need some extra cash to float you till your next payday? Get access to up to $200 per payCheq instantly deposited into your bank account.


3 Simple Steps to us Cheq:

Connect your Bank — We sync your transactions to verify your wages and pay cycle

Get Paid — Instantly cash out up to $200 of your pay, deposited into your account in 30 seconds!

Payback — On your next payday, we deduct the cash advance + a 5% service fee. No interest or hidden costs


Want to make everyday payday?

Cash Out and get paid when you want. Just connect your bank, and get paid instantly. On payday, we’ll debit your account for the money you cashed out + 5% service fee.

Budgeting is hard, we get it...

Cheq syncs your bank transactions to crunch the numbers and automatically create a budget based on your historic spending habits. We’ll track it for you too and let you know when you’re getting close to overspending.

Need help tracking bills and avoiding hefty overdraft fees?

Chill, this app predicts your upcoming bills and lets you know if your account is at risk of overdraft. We keep you in the loop so you can stay in control.

How much does Cheq cost?
Cheq's budgeting and spending features are free to use. To get your wages on demand, we charge a fixed service fee of 5% on any amount cashed out. No interest or hidden fees.

Does Cheq work with any bank?
Cheq works with all major banks in Australia, but if your bank is not on our list please feel free to request it so we can see what we can do.

Note: Cheq does not provide on-demand pay to individuals who receive government benefits as their primary source of income