Wagecrew EWA · earned-wage access
Earned-wage access that's genuinely free to your team.
Give your hourly, shift and salaried staff their already-earned pay before payday. You fund it, you set the cap, and it helps you keep the people you've already hired.
£312.00
of £445.50 earned · your cap 70%
WithdrawSettled in full at payroll · £445.50
What you control
Employer settingsWhat it is
What earned-wage access actually is
Earned-wage access (sometimes called on-demand pay) lets a worker draw a share of wages they've already earned before the normal payday. With Wagecrew, they draw up to a cap you set, paid by Faster Payments in minutes, and you recover it from the next payslip.
What it is
- Access to wages a worker has already earned, up to an employer-set cap (default 70%).
- Free to the worker, funded by you. claim — legal-gated
- Paid near-instantly by Faster Payments, minimum draw £20.
- Recovered from the next payslip, principal only.
What it is not
- Not a loan and not credit. claim — legal-gated
- Not an advance on pay that hasn't been earned yet.
- No interest and no credit check. claim — legal-gated
- It doesn't replace your payroll. One reconciliation, at payroll, as now.
How it works
Two sides, one reconciliation
Your team gets a three-step draw. You get controls you set and a single deduction file at payroll.
For your team
See the balance
Open the app and see what's available to draw, updated from approved shifts.
Request a draw
Choose an amount from £20 up to your cap. Manual request only, confirmed by SMS.
Money arrives in minutes
Faster Payments lands it in their own bank account, usually within minutes.
For you, the employer
- Set your controls. Cap as a % of gross (default 70%), withdrawals per period, and your pay-period shape: weekly, fortnightly or monthly.
- Upload timesheets. An upload cooldown holds funds until hours are confirmed. Works for hourly, shift and salaried staff.
- Workers draw from your float. Each draw is recorded against the worker and the period.
- Reconcile at payroll. A deduction file nets every draw against the next payslip.
both sides meet at
one reconciliation file, at payrollThe money flow
Your float
You hold the cash, ready to release against earned hours.
Worker draws
Up to your cap, paid by Faster Payments in minutes.
Next payslip
The full advance is recovered at payroll. Principal only.
recovered days later at payroll · no interest, no worker fee claim — legal-gated
Why Wagecrew
The part rivals can't copy
Employer-funded, with no worker fee, and a cap you control. Most of the field charges the worker to reach money they've already earned.
£0
Worker fee legal-gated
Your team pays nothing to draw their own earned wages. No per-draw fee, no expedite charge, no subscription.
Your
cash
Employer-funded
Draws come from your own float and net at payroll. No third party in your salary flow, no funder to fail.
≤70%
A cap you set
You choose the percentage, the frequency and the pay period. Built for any UK employer, hourly or salaried.
Across the UK field, every fee-charging provider sits in a reported £1.69–£2.75 per draw or per % band. competitor claim — legal-gated Funding models differ and are a verify item.
See how the field comparesFor employers
What it does for your business
A retention benefit that costs your workers nothing and costs you a brief shift in when cash leaves, not whether it does.
£0
Cost to your worker legal-gated
70%
Cap you set, of earned wages
£20
Minimum draw
1
Reconciliation file
Keep the people you've hired
Reduce turnover by giving staff a reason to stay. They draw what they need between paydays; you keep one pay run.
Fewer gaps to backfill
When workers can reach earned pay, shifts get covered by your own people first. ROI stat — legal-gated, needs substantiation
You stay in full control
Set the cap %, the withdrawals per period and your own pay periods. Tighten or loosen as your cash flow needs.
A cleaner pay posture
No worker fee means it removes the EWA-fee-driven NMW risk that fixed per-draw fees create. claim — legal-gated
The one trade-off, stated plainly: you float up to the cap before payday and recover it days later at payroll. That's a brief intra-month cash-flow shift, set against covered shifts and retained staff. We don't claim it has no impact on your cash flow.
Trust & compliance
Built carefully, because it's money
Not a loan
Workers access wages they've already earned, by manual request, recovered at payroll. Not a loan and not credit. claim — legal-gated
No credit impact
No credit check and no credit-score impact for this model. claim — legal-gated Stated as fact, not sold as a protection.
Secure by design
SMS two-factor on every withdrawal, magic-link sign-in, encrypted bank details, and per-tenant data isolation.
On regulation we state our posture plainly and don't over-claim. regulatory wording — legal-gated
For workers
Your own earned wages, before payday
You worked the shift. The pay is yours. Reach it in minutes, for free, without waiting for payday.
- Free to use. Your employer funds it. claim — legal-gated
- Won't affect your credit score. claim — legal-gated
- From £20, up to the cap your employer sets.
A worker's week
FAQ
Questions, answered honestly
For employers
What does this cost my business?
Is this a loan or credit?
How does the float and the cash-flow shift work?
How does payroll reconciliation work?
Does it create an NMW risk?
For workers
Does it cost me anything?
How fast does the money arrive?
Will it affect my credit score?
How much can I take?
Book a demo
Give your team their earned pay, at no cost to them.
See the worker app, the controls you set, and the payroll deduction file in one short call.