Home / Services / SalaryNOW Earned Wage Access
Service · With Simbrella · For banks, operators and wallets
SalaryNOW gives employees access to a portion of their earned wages on any day of the month — inside a bank app, internet banking, or a mobile wallet. Free when the employer covers it, or a small fixed fee when they don’t. Not a loan. No interest.
Expenses don’t wait for payday. Today a salary advance means an office visit, paperwork, senior-management sign-off, and days of waiting — so most employees borrow from friends or turn to high-cost credit instead, and HR teams carry the administrative load.
The employee sees their available earned wage in the channel they already use, requests it, and receives it the same day or instantly. The amount and a fixed fee are settled automatically when salary is credited — no forms, no approvals, no interest.
Source: Simbrella market research among 300+ salaried employees at IT, engineering and retail employers in its existing markets.
Access is limited to wages already earned in the pay period, so there is no new debt and no credit cycle to fall into.
One known fee per withdrawal — or zero, when the employer pays it as a staff benefit. Nothing compounds and nothing is hidden.
A fixed fee and no interest make SalaryNOW suitable for institutions and customers who prefer interest-free products.
Employees cover urgent needs without informal lenders, overdraft charges, or strained personal relationships.
For banks
Exposure is capped at wages already earned and recovered from payroll the bank already processes — a very different risk profile from unsecured lending.
Give employers a concrete reason to route payroll through your bank, and employees a reason to keep their salary account with you.
A fixed per-use fee, paid by the employee or the employer — new non-interest revenue on top of the payroll relationship.
Earned wage access inside the mobile app and internet banking — a visible, everyday feature that sets the bank apart.
Pilot with one employer, agree the KPIs, then extend across the bank’s payroll customer base employer by employer.
The bank sets limits, fees and eligibility; funds move only between the bank’s own accounts and the employee’s salary account.
For operators, wallets and employers
As more employers pay salaries into mobile wallets, SalaryNOW turns payroll into daily wallet activity — higher balances, more transactions, and a stronger reason for employers to choose your wallet for payroll. Available over app and USSD.
No more processing salary-advance requests by hand. Employers reduce payroll workload, improve staff retention and recruitment, plan cash flow better, and can offer free access as a staff benefit — with a finance dashboard to see every withdrawal.
How it works
Employer payroll data syncs with the platform to calculate each employee’s available earned wage in real time.
The employee checks the available amount and requests a withdrawal in the bank app, internet banking, wallet, or USSD.
Funds reach the employee’s salary account or wallet instantly or the same day.
The amount and fee are deducted automatically at salary credit and reconciled on the employer’s dashboard.
| Partners | Banks · mobile operators · wallet providers · employers |
| Channels | Mobile banking app · internet banking · mobile wallet · USSD |
| Access limit | A set share of wages earned to date, agreed with each employer |
| Pricing | Fixed fee per withdrawal, or free when the employer covers it — no interest |
| Transfer | Instant or same-day |
| Recovery | Automatic deduction at salary credit |
| Employer tools | Finance-department dashboard for monitoring and reporting |
| Integration | Core banking · employer payroll · wallet platform |
| Delivered with | Simbrella BV — product collaboration and technology partner |
Deployment path
Align on goals, responsibilities and integration requirements; name the project teams on both sides.
Exchange documentation, then agree scope, timelines, pilot KPIs and pilot duration.
Connect the platform to core banking or wallet systems and the launch employer’s payroll.
Test, launch with the first employer, measure against the KPIs, and roll out across payroll customers.
Tell us about your bank, network or wallet and we will propose a launch employer and a pilot plan.