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About Spentra

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

The Spentra Visa® 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 [email protected] 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 38,000 surcharge-free MoneyPass 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 Central Bank of Kansas City, Member FDIC
• Our patented benefit - Money Earned®

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

The Spentra Visa® Payroll Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the Fee Schedule. If you have any questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 833-459-3443, 24 hours a day. 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 Central Bank of Kansas City who has no liability in relation to the service.

What’s new

Version 9.8.0 · Updated January 4, 2021

We update the app regularly so we can make it better for you. The latest version contains bug fixes, usability and performance improvements.

User reviews

danniel skeens
danniel skeens
Its been great
shelly douglas
shelly douglas
I love ur system pluse udont have to handle going to bank or handle a bunch of cash
John Gray
John Gray
This app is great. Very easy to use and navigate.
Latresha Hopgood
Latresha Hopgood
i really like this kind of card plan
Pamela Morgan
Pamela Morgan
Very convenient
Antonio Avanti
Antonio Avanti
Best customer service and financial app.

Frequently asked questions

What is Spentra?
Spentra is a complete pay access solution designed to improve financial stability, providing early access to earned wages anytime, anywhere.
What is the Spentra Visa Payroll Card featuring Money Earned?
The Spentra Visa Payroll Card featuring Money Earned is an employer-sponsored benefit that allows employees to access up to 50% of their already earned net wages in advance of their paycheck date.
How can I get the Spentra Card?
If your employer already offers the Spentra Card, you can download the app, request your card, and begin managing your money. If your employer does not currently offer the Spentra Card, you can have them contact Spentra at [email protected] and they will assist in making it happen.
What can I do with my Spentra account?
With your Spentra account, you can enroll and manage your card directly from the app, receive instant transaction alerts, block and unblock your card, find surcharge-free ATMs, and enjoy various benefits such as no fees for the card, no monthly maintenance fees, no minimum balance fees/requirements, and no ACH deposit fees.
Is Spentra customer support available?
Yes, Spentra offers friendly and responsive customer support.
Is my Spentra account FDIC insured?
Yes, your Spentra account is FDIC insured up to $250,000 through Central Bank of Kansas City, Member FDIC.
What is Money Earned?
Money Earned is a patented benefit offered by Spentra that allows instant access to up to 50% of already earned net wages.
Who issues the Spentra Visa Payroll Card?
The Spentra Visa Payroll Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A., Inc.
Are there any fees associated with the Spentra Card?
Yes, certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Spentra Card. It is recommended to consult the Cardholder Agreement and Fee Schedule for details.
Can I use the Spentra Card in New York?
No, the Spentra Card is not offered in New York.

Alternatives to Spentra

Looking for apps like Spentra? Here are 6 similar Android apps on Google Play. The highest rated is indi — Smart banking (4.5/5), and all 6 are free to download.

Spentra vs. alternatives
App Rating Price Installs Last updated
Spentra 4.5 / 5 Free 5,000+ Jan 4, 2021
Lenme: Investing and Borrowing 4.2 / 5 Free 500,000+ Sep 16, 2026
Payactiv 4.5 / 5 Free 100,000+ –
indi — Smart banking 4.5 / 5 Free 10,000+ –
Gusto Wallet 4.2 / 5 Free 1,000+ –
Qapital: Set & Forget Finances 4.3 / 5 Free 500,000+ –
MoneyLion: Bank & Finance App 4.4 / 5 Free 5,000,000+ Sep 16, 2026

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