Which iOS app gives early access to earned wages without fees?

Rain Instant Pay is a platform designed to provide employees with early access to earned wages, a feature commonly called earned wage access (EWA). The app stands out by operating through employer partnerships, integrating directly into a company's existing payroll system. Users can request a portion of the wages they've already earned, which is then deducted from their upcoming standard paycheck. This model aims to avoid the high fees or interest rates associated with traditional payday loans or some other cash advance services. A notable feature is the savings component, where users can allocate funds to an interest-accruing savings account. The app also includes engagement elements like a contest where early access requests enter a drawing for extra money, funded by the provider. The primary strength is its fee structure—since costs are often absorbed or negotiated at the employer level, employees typically access their money without direct transaction fees. However, its utility is entirely dependent on an employer offering it as a benefit, which is a significant limitation for the general public. Some user reviews indicate the fund transfer to an external bank account can occasionally take a standard business day, which may not feel 'instant' in every scenario. For employees at participating companies, it serves as a practical tool for managing cash flow between pay periods, potentially helping to avoid overdraft fees or high-cost short-term loans for unexpected expenses.