An all-in-one pay access solution. Access your earned wages anytime.
About Spentra
Spentra is a finance app developed by Spentra, LLC.
Download Statistics
Spentra has been downloaded 35 thousand times. In the last 30 days, the app was downloaded 280 times.
User Ratings
Spentra is rated 4.68 out of 5 stars. The rating is based on 590 ratings.
App Information
Spentra is FREE to download. The APK download size is 11.35 MB. The latest version available is 15.4.0.0. The last update was on July 14, 2026.
Technical Requirements
Spentra requires Android 5.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play January 2019.
Description
A complete pay access solution designed to improve financial stability. Get early access to earned wages anytime, anywhere.
The Spentra Mastercard® Payroll Card featuring Money Earned® is an employer-sponsored benefit. It was designed from the ground up to provide an employee with a better option to get and manage their pay.
Money Earned® is our proprietary patented product that allows you instant access to up to 50% of your already earned net wages in advance of your paycheck date. If your employer already offers the Spentra Card just download the app, request your card, and begin to manage the money you know you have. If your employer does not currently offer the Spentra Card, just have them contact us at info@spentra.com and we will be glad to make that happen.
Take control of your money and align what matters to you…today.
MANAGE AND ENJOY YOUR SPENTRA ACCOUNT
• Enroll and manage your card directly from the Spentra app • Instant transaction alerts* anytime you use the Spentra Card • Block and unblock your card directly from the app • Interactive surcharge-free ATM finder from the app • Over 55,000 surcharge-free Allpoint ATMs • No fee for the card • No monthly maintenance fees • No minimum balance fees/requirements • No ACH deposit fees • Friendly and responsive customer support • FDIC insured up to $250,000 through Patriot Bank, N.A., Member FDIC • Our patented benefit - Money Earned®
*Standard message and data rates from your wireless service provider may apply.
The Spentra Mastercard® Payroll Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Consult your Cardholder Agreement and the Fee Schedule for fees, terms, and conditions associated with the approval, maintenance, and use of the Card. The Card may be used everywhere Mastercard debit cards are accepted. Restrictions apply; see Cardholder Agreement for details. Spentra Card is not offered in New York.
The Money Earned® feature provided by Spentra, LLC is not sponsored, endorsed, administered by, or associated with Patriot Bank, N.A. who has no liability in relation to the service.
Recent changes: We update the app regularly so we can make it better for you. The latest version contains bug fixes, usability, and performance improvements.
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Best card EVER!! It will literally pay you the same day you work, every single day, or you just push as much money you need to borrow from your already worked hours, and it goes instantly (to the minute) to your Spectra prepaid debit card! Also, it automatically deducts it from your pay check, so you don't even have to worry about having to keep track of the payments because it does it for you! You can receive UP TO 50% of your income you have already earned. Can get paid up to 2x in an 8-hour day.
★★★★★Eric Vinson· Oct 19, 2023
I get my paycheck a day earlier, and I can get half of my next week paycheck if I want. I never have a problem with my cars and for the past year it's been a great card to have. I recommend it to anyone.
★★★★★Reyna Vargas· Mar 27, 2019
Love this app, so easy to use. Being able to access my pay early is a blessing to keep me from paying late fees.
★☆☆☆☆Michelle· Dec 3, 2025
Have to wait on card to access funds which takes up to 10 business days. Unable to download digital card until receiving physical card.
★☆☆☆☆Melody Psychonaut· Dec 25, 2022
At first, I had no issue using this card. But after they closed my account with $600+ on it, it has been horrible to get my money back. 2 months later calling them about the issue & I still have yet to see the refund check they said they'd send me. I've called 2x or once a week, & they don't care. This company has robbed me of my hard-earned money. Terrible customer service that keep sending me in circles with no resolve.
★☆☆☆☆Tamara Owen· Aug 18, 2025
Ive experienced security issues with this card 3 separate times. Up your game and secure our hard-earned money. Transactions I didn't make from several different states just in 2 days. Now I have to wait to access my money. Thanks spectra
Google Play Rankings for Spentra
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Technologies used by Spentra
18 permissions·16 libraries
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