Get the answers about Instant.

Quick Links:

  • How do I request an Instant Pay?

    Just open your Instant app. If you have an offer available it will visible on your home screen. Just push the button and the money is instantly on your card.


  • Really? There’s no fee to take an Instant Pay?

    There is no cost to take an Instant Pay. We’re just giving you access to money you have earned. Any Instant Pay offer you take will be deducted from your next pay check.

  • How does money get added to my Instant account?

    Only your employer can add funds to your Instant account. These funds are added through payroll, tips, and other transfers from your employer.

  • Where can I make purchases with my Instant card?

    Purchases can be made with your Instant card wherever major credit cards are accepted, including online.

    You can also withdraw cash fee-free from any MoneyPass ATM. ATM transactions will require your PIN.

  • How long does it take for a refund to be posted to my Instant account?

    In the event that you return an online or store purchase to the retailer, the refund or credit will be credited back to your card.

    Most merchandise returns are posted within 24 hours, but depending on the merchant and their applicable rules it could take up to 5 business days.

    If you are having issues with your refund please call the number on the back of your card.

  • Do I need a smart phone to access the app?

    You can use the features of the Instant app on a desktop computer by going to this address on your web browser: app.instant.co/app. The Instant app can also be accessed on your iPad or other tablet.

  • Can my employer view my purchases and transfers?

    Your card transactions are not shared with your employer. They do not have access to your funds once you have taken them.

  • How do I get a PIN for my Instant card?

    The PIN is included in the card envelope. Keep it secure! If you forget it, or just want to change it, call the number on the back of your card and follow the prompts.

  • Can I withdraw cash from an ATM with my Instant card?

    You can withdraw cash from any ATM that displays the Visa® or PULSE® or MoneyPass® acceptance marks. When making cash withdrawals from an ATM, your PIN is required. The maximum amount that may be withdrawn from a domestic ATM per day is $1,000. Please note that each ATM owner may establish limits as to how much cash may by obtained from an ATM at a single time or through a single location.

    Instant is partnered with the MoneyPass® ATM network and you can withdraw cash for free from ATM’s on this network.

  • What’s the Inactivity Fee?

    An Inactivity Fee will be charged when there has been no loads or spending for 90 continuous days. The inactivity fee will repeat monthly if no activity continued and will end when the balance equals zero or when activity occurs. Remember: even checking your balance in the app counts as activity.

  • How do I transfer money from my Instant account to a bank account?

    Open the Instant app, and open the top menu to access the “Transfer Money” section. There, you can set up your bank account information, and schedule bank transfers for now or in the future.

    Bank transfers made before 1:00 pm EST/10:00 am PST on business days should be available in your bank account the next business day.

  • My Instant card has been compromised (lost/stolen), what do I do?

    If you lose your card, first go into your Instant app, select the Help menu and choose “Freeze my Card” to prevent any unauthorized transactions. Then review your latest transactions to determine if any were not made by you. If you see any transactions you didn’t make, contact us to file a dispute.

  • Bank Account Troubleshooting:

    If you’re having trouble entering your bank account information, review these tips:

    • Consult your physical check to find your account information. Often, banks will omit digits on online statements.
    • On your checks, your transit number is the number between ⑆ and ⑉ (Ex: ⑆12345⑉). Enter 5 digits for your transit number. If your transit number is less than 5 digits, add zeros to the beginning. For example, if your transit number is 2, enter 00002.
    • For most bank’s checks, your account number follows the transit and institution numbers. It comes after ⑆ and before ⑈ (E.g.,: ⑆1234567⑈). Your account number may be broken up by symbols on your check. Enter your full account number and do not include any dashes, spaces or additional zeros.
    • If you don’t have a check, we recommend contacting your bank directly.