Your money,
your way

Taking control of your finances is easy, secure, and empowering.

App store

4.8

Play store

4.8

Straightforward  and hassle-free

Get started with Spentra by signing up via your employer. It's easy and smooth, setting you up for a more flexible way to manage your earnings.

A card that works on your terms

With the Spentra Payroll Card, enjoy the convenience of a debit card but with added benefits. Your pay is loaded directly onto the card every payday, so you can use your money right away. Shop, pay bills, or withdraw cash from ATMs—your funds are always easily accessible.

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Access wages early with  Money Earned®

Why wait until payday? With our Money Earned® feature, you can access up to 50% of your earned net wages anytime you need them. Just a few taps in our app provide the financial flexibility you need, exactly when you need it.

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Your money, always reachable

With Spentra, your money is always just a touch away. Our vast network of surcharge-free ATMs and widespread card acceptance means you can access your funds anytime.

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No hidden fees

The Spentra Card also eliminates fees for common transactions, helping you manage money wisely.

See Complete Fee Schedule

Man looking up Spentra on his phone while holding Spentra's card

Spentra: Superior support, enhanced experience

Here for you

Access continuous support from Spentra. Our customer service team is ready to assist you, ensuring a smooth financial management experience.

Tom R.

Delivery Driver

I love being able to access my money whenever I need it. It has really taken the stress out of waiting for payday and helped me handle my finances more effectively.

Maria W.

Hospitality Worker

I love the freedom and security the Spentra Payroll Card offers. It’s so convenient for my everyday transactions, and I feel safe knowing my money is protected.