Branch plans
Employer program
$0/employee/mo2
No cost to the employer
- Core and Flex earned wage access models
- Cashless tips, mileage and off-cycle payouts
- Branch digital wallet and debit card for workers
Price at a glance
Branch cost by company size
- Published starting price$0/employee/mo
| Employees | Published starting price |
|---|---|
| 1 | $0/mo$0 over 3 yrs |
| 5 | $0/mo$0 over 3 yrs |
| 10 | $0/mo$0 over 3 yrs |
| 25 | $0/mo$0 over 3 yrs |
| 50 | $0/mo$0 over 3 yrs |
| 100 | $0/mo$0 over 3 yrs |
The published starting price only: plan tiers, add-ons and other products are quoted on top.
Extra and hidden costs
Is it worth the price?
50th percentileBranch at $0/mo1 — the category median (list price per month at 25 employees, 6 earned wage access products with published prices).
At 25 employees, Branch lists at $0 a month. Of the 6 earned wage access products with published prices, 0 cost less, 5 cost the same and 0 cost more.
Price comparison
| Product | Starting price | Pricing model | Pricing details |
|---|---|---|---|
 Branch | $0/employee/mo1 | Free | Branch pricing |
 ZayZoon | $0/employee/mo3 | Free | ZayZoon pricing |
 DailyPay | $0/employee/mo4 | Free | DailyPay pricing |
 Tapcheck | $0/employee/mo5 | Free | What Tapcheck costs |
 Payactiv | $0/employee/mo6 | Free | Payactiv plans and prices |
 Rain | See plans | Free | What Rain costs |
Lowest published monthly price of a plan for earned wage access, cheapest first at 25 employees. “See plans”: priced on another basis; “Quote only”: no published price.
Frequently asked questions
How much does Branch cost an employer?
Branch is free for employers: offering its earned wage access comes at no cost to the business, with no pre-funding or escrow.
What fees do workers pay with Branch?
Instant transfers to the Branch Wallet and standard ACH transfers are free; instant transfers to a connected debit card carry a small fee.
Is there a free instant option with Branch?
Yes. Instant transfers into the Branch Wallet cost nothing, and workers can spend from it with the Branch debit card.
Are there hidden fees with Branch?
Branch lists no overdraft fees, late fees or minimum balance requirements for workers, and no pre-funding or interest for the employer; only instant transfers to an outside debit card carry a fee.
Does the Branch card cost anything?
No. Workers get a free digital account and Mastercard debit card, with up to 8 free in-network ATM transactions a month.
How do Branch’s fees compare with other earned wage access providers?
Branch’s instant transfer is free when it lands in the Branch Wallet; only an instant transfer to an outside debit card has a fee, and that amount is not published.
Who makes Branch?
Branch (an earned wage access provider) is privately held.
How this page was made
What it is built from
10 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 22, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested Branch hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction
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Branch Pricing
Sources
The 7 pages this page's facts come from, with the day we last checked each one. The numbers beside the figures above link here.
Quotes from the sources
- Branch branchapp.com/use-cases/earned-wage-access“Offering EWA comes at no cost to your business.” “Workers can access their earned wages for free via their Branch Wallet instantly or to an existing bank account via standard ACH transfer, or they have the option to move funds instantly* to a connected debit card for a small fee.”
- Branch branchapp.com/wl-partners/company“Branch is available at no cost to companies and offers free options for workers.”
- ZayZoon zayzoon.com/employers“ZayZoon doesn’t cost you a cent.”
- DailyPay dailypay.com/earned-wage-access“There is zero cost for employers to implement or maintain DailyPay.”
- Tapcheck tapcheck.com“Tapcheck is 100% free for employers to offer and employees pay only a single, ATM-like fee for transfers.”
- Payactiv payactiv.com“Payactiv Earned Wage Access is offered to employers at no cost.”
- Branch branchapp.com“Branch is not a bank.”
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