Quality degradation at Instant Financial  
Users report higher volume of Quality Issues than usual

Instant Financial | unitQ Score

The unitQ score is the fraction of public feedback data (iOS & Android) that mentions quality issues.
100 = No Issues. 50 = Some Issues. 0 = All Issues
-47 Points Past 7 Days
Category: Finance
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30-Day Trend
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Android unitQ Score
Android User Feedback
88 Reports
iOS unitQ Score
iOS User Feedback
0 Reports
User Feedback
0 Reports
88 Reports
Instant Financial - Latest Quality Issues
Oct 23, 2021
How much scheduled maintenance does your fast transfer need? It is ridiculous that every time I try to transfer money it tells me that it's down for scheduled maintenance You guys couldn't fix it the first time? If it wasn't for the fact that this is how my job pays me I would never use your card. Get it together instant pay everyone is tired of it
Oct 22, 2021
I got paid and all of my money was taken off of my card from unauthorized charges and I'm trying to fix it but the app is not working I lost all my money
Oct 21, 2021
If your a bussiness thinking about using them dont.. They screw the employee over cant pay for thing online and lock there cards without you knowing. Try to call get card figure out they hung up i would give 0 stars.. Cant talk to them online within the app. Overall save you a headace dont use
Oct 20, 2021
It says I have 27 something but I don't have a lot of money on here but it won't update at all so now I literally have no idea how much money I have
Oct 19, 2021
App absolutely does not work. I find it impossible to believe this would be recommended for people to receive wages. Would not let me proceed past add location even when the exact location was provided. App needs to be abolished or updated big time. Will advise others to not use app. If zero stars could be given I would have done so. Unbelievable.
Oct 18, 2021
It's okay, instant cash feature goes under maintenance alot but nothings perfect
Oct 17, 2021
They are always doing "routine maintenance" so fast transfers are unavailable for almost the whole day. A few times a week. "You can have YOUR money in a few days tho" that's pretty much what it says when I try to transfer my money. Why? I've never had this problem with any other bank, credit union or other institution. I should be able to get my money when I need it without going to an approved atm
Oct 17, 2021
This app is pretty dumb most of the time. After like 2 months my instant debit card stopped letting make purchases, when I call I get some indian person who barely speaks English and I cant understand what they are saying. At this point I've given up on the card but it seems every time I want to do a fast transfer, it's down for maintenance. I'm really frustrated with this app
Oct 17, 2021
Keeps asking for birthday verification with no way to comply, locking me out of the app. I will update this review when fixed!
Instant Financial - Product Description
Only available at employers offering Instant.

For verified employees who are paid by Instant, the Instant Financial app gives you daily access to your earned wages and/or tips for free. Your employer must offer Instant as a pay disbursement option in order to receive your pay on Instant.

Connect your Instant card with your Instant account to receive your wages and/or tips, make in-store and online purchases, and withdraw cash from ATMs. Use the Instant app to receive important notifications, claim Instant Pay offers, check your real-time balance and view your recent activity, find the nearest ATM for free cash withdrawals, and transfer your money to another bank account. 

Instant puts you in control over how you get paid.

1. Create an Instant account with your email address and password
2. Enter your personal information for verification purposes
3. Connect the Instant card you received from your manager by scanning the barcode to the right of your Instant card on your welcome letter (the paper your card was glued on)
4. Find your employer and add a job
5. Once you’re verified, you’ll receive your earned wages and/or tips right to your Instant card after your shift

• Pair a new or replacement Instant card to your Instant account
• Get notified when Instant Pay offers are available
• Get notified when you’ve been paid your Instant Pay, the balance of your Net Pay, or Instant Tips
• Receive your daily wages and/or tips directly to your Instant card and have immediate access to your money
• Check your account balance and review your latest account activity
• Find the nearest ATM for free cash withdrawal across the MoneyPass ATM Network (US) or the Exchange ATM Network (Canada) 
• Freeze and unfreeze your card so your money cannot be spent or withdrawn in case your card is lost or stolen
• Transfer money to another bank account - one-time transfers and scheduled recurring transfers
• Receive support via email, chat, or phone call
• Update your personal information in the app
• Pay your bills (in Canada only, US coming soon)

At Instant, we don’t believe in charging you fees to receive, spend, or access your own hard earned money. We only charge avoidable fees, such as a 90-day account inactivity fee or an off-network ATM withdrawal fee. 

For a comprehensive list of fees, please refer to our US Cardholder Agreement (https://www.instant.co/us-cha/) or our Canadian Cardholder Agreement (https://www.instant.co/ca-cardholder-agreement/) 

Please be aware that some merchants, such as gas stations, restaurants, hotels, and car rental agencies, may place a temporary pre-authorization hold to ensure your card is valid and that there are sufficient funds on the card to cover the final amount. Holds are usually removed and released back to your card when the transaction is completed within 5 days or sooner. Some merchants, such as hotels and car rental agencies, have pre-authorization holds that can last up to 45 days.

Please be aware that bank transfers made before 1PM ET can take an estimated 1 business day to process and appear in the destination bank account. 

Bank transfers made after 1PM ET will take an estimated 2 business days to process and appear in your destination bank account.

Need your money sooner? Visit an ATM to withdraw your cash and deposit it into your bank account the same day.

Please note, you can only load your Instant card through wages, tips, or reimbursements received from your employer.

• FAQ: https://instant.zendesk.com/hc/en-us
• Chat Support: Tap on the menu icon, tap on “Help”, and tap on “Chat With Support”
• Phone Support: Call the number on the back of your card
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