PayWise+ Financial Wellbeing Made Simple The free PayWise+ app helps you take control of your finances with earned wage access, smart money management tools, and AI-powered support. Access wages you've already earned ahead of your normal pay date and send the money straight to your bank account. The app shows you real-time accrued wages, how much is available to withdraw, and a history of previous transactions. Plus, get personalised guidance from Penny, our AI financial coach, use savings pots to build financial resilience, and access tools to help you manage your money with confidence. Amounts withdrawn will be deducted from your next pay cheque along with any applicable fees.