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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.
★★★★★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.
★★★★★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.
★☆☆☆☆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.
★★☆☆☆Tanner Comstock· Jun 5, 2022
Banking with them for over a year, been excellent until now. It seems the option to push money earned to the card has been removed.
★☆☆☆☆Chad· Dec 13, 2025
Had my card stolen and used in amount of almost $400 and spectra denied my claim and took back the credit to my account and iverdrafted.my account in doing so. I supplied them with all the information they requested and got a new card after cancelling the stolen card .they said I didn't everything right but yet they denied my claim. I don't know what else to do besides let others know that this bank will not stand behind you if this happens to you !
Google Play Rankings for Spentra
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Technologies used by Spentra
15 permissions·16 libraries
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