Money is one of the most basic needs in our life. Be it a business or a job, we do it to earn money so that we can enjoy the other luxuries and comfort of life, because, let’s face it, there is no such thing as a free meal in this world.
However, as important as money is for every person, it doesn’t come easy to most people in the world. As a matter of fact, you need to work day in and day out to make money in your life. But sometimes, even after all this hard work, you struggle to meet your expenses.
For instance, you may be running low on budget and it shall be time for you to pay your rent. The feeling of helplessness that floods your heart in circumstances like these is disheartening.
However, what if we say that there was a solution using which you can save yourself from feeling this way ever again in your life? Surely you shall be intrigued to know more about it. Well, the solution is payday applications, one of the most popular ones being Branch.
Let’s dig into the details deeper to know what this application is and how you can use it to the best of your benefit.
What is a Branch App?🧐
Branch is a payday application that you can use to get the money you have earned with your days of hard work at any time you want. You need not wait for your paycheck to get the amount you need.
You can withdraw the money from your Branch application account and when your paycheck is credited, the application deducts the amount of the withdrawal during the month on it.
This happens because everything on your work desk is maintained in the Branch application. Be it your hours of work, overtime hours, login, logouts, leaves, etc., everything is managed on the application and it is through this that the application grants you money before your paycheck is credited to your account.
In addition to getting money as and when you need it, the application also helps you collaborate with your team and work more collectively. There is even a chat feature in the application for this very purpose.
However, while this application has everything to gain and nothing to lose from, there is one major problem. You can use it only if your employer has set it up in its organizational settings.
Now, every employer shall not set up the application. So, what are your options in that case? How would you meet your urgent needs for money? Well, luckily enough, there are many other apps like Branch that you can use.
Let’s have a look.
Best Apps Like Branch – Our Top Pick👌👌
Branch is a phenomenal application to meet your urgent needs for money while also making sure that you are in better coordination of your work with your colleagues as you can use the chat features of the app. However, using this application is possible only if your employer uses it too.
So, you definitely need options in case your employer doesn’t use the Branch app so that you can remain out of any situation involving a financial crisis. So, here are some of the best apps like Branch that can turn out to be a good option.
The great part about all these applications here is that they are not just payday applications that will help you get your money in advance.
In fact, all these options on the list go much beyond that and come as a complete financial and money management solution that every person needs in today’s time where money is the need of the hour.
From planning budgets to putting money into savings, these applications do it all which in turn makes them all the perfect finance management applications.
So, let’s have a look at some of the best apps like Branch without any further discussions.
1. Earnin: Get Cash Before Payday
Earnin is not only amongst the best apps like Branch but also a next-generation income platform. By allowing users to use their existing payment accounts, Earnin provides a convenient way of receiving money from friends and family members.
A lot of faith has been put into technology, but it can also be used to improve the way money is sent between people.
Earnin does so by providing users with a faster, cheaper, and more secure payment network. You can create an account on the application for free or use an existing account by lining it with the application.
Once you have connected the application with an account you can start connecting with your contacts, friends, family, and other relatives and quickly transfer money to them.
Additionally, you can use the application to earn some quick cash as well. As you make purchases using your Earnin account, you get some extra cashback.
Besides that, it’s one of the first applications that allow users to get their paycheck right after their shift ends. So, it’s very quick and easy and you never have to wait for the money that you have worked so hard for.
Moreover, you need not bear any extra fees or subscription costs, if you don’t want to. The application is absolutely free to use.
2. Vola Finance
Vola Finance is an android and iOS app that uses AI to track your spending and investment and helps you maintain a balanced portfolio.
It has a growing community of users and the application plans to further expand to other platforms such as the web and Windows in the near future.
With that expansion, the application will surely become more accessible and convenient to use. Nonetheless, even with the current reach of the application, accessibility is not limited in any manner.
With Vola Finance, you can access your portfolios and your spending report from anywhere. You can also easily set up recurring transactions and maintain savings goals.
In fact, Vola, as a financial management platform, is trusted by millions of people worldwide to assist them in managing their personal finances.
With the advanced and intuitive features of the application, you can manage all your finances in one place, connect with your loved ones and friends, and also enjoy the strong backing of the 7+ years of experience that Vola has in the financial management space.
Talking about financial planning and management, the application allows you to create financial goals like saving for a vacation, a new car, or a down payment on a home. You can choose your savings frequency (daily, weekly, or monthly).
Moreover, making transactions from the application is easy and quick since the application links itself with your bank accounts to make it easy to move money in and out of your Vola account. Additionally, there is no minimum deposit. So, you can deposit any amount you like, whenever you like.
Besides that, the application is helpful in identifying and preventing fraud as well. Not only that, you can even take care of your budgets and track your spendings to make sure that you are not going over budget.
With all of that, we can say that Vola Finance is the only budgeting app that you’ll ever need. With its advanced AI algorithm, you can finally find the budgeting app that you’ll actually enjoy using.
People have to mostly deal with financial problems due to their lost focus on their money and the inability to track their spendings and expenses. Dave ends this very issue for its users. It puts all the money tracking in one place and is very easy to use.
You can choose your own way of trackings, such as with a pen and paper, or some other way offered in the application. So, there’s no need to worry about technology or budget.
Basically, the application values simplicity and ease of use and is in fact designed with the same concepts in the mind. The application is available for immediate and ready usage.
You need not create or register an account. Only the first time usage shall require a security pin and then you are all set to use the application, at any time, from any place.
Moreover, you need not pay for it if you don’t want to. The application has a free version as well as a premium version. The free version is enough to keep track of most people’s expenses, but the premium version is what you need if you are worried about your financial situation.
With Dave Premium, you can get personalized budgets, get alerts when things are out of balance, and get advice from Dave.
Venmo is yet another one of the best Apps Like Branch and a payment app, where people can easily make transactions with a simple tap of a button.
This app makes it easy to transfer a payment from one person to another while also allowing a user to track a payment with a simple feed. The feed includes the most recent payments. A user can even send a payment from a notification.
The notifications work in the sense that anyone in your contacts can request you for an amount and as you approve the request, the transaction is processed and money is transferred.
Moreover, if you and your friends have a habit of shopping together and are always confused about splitting the costs, this application shall be extremely helpful since it allows you to split the amount, and then you and your friends can directly make the payments using your Venmo balance.
You can request a payment from contact with the touch of a button. This lets you request from a friend to pay with a simple tap.
Venmo also allows a user to easily split a purchase with a friend by paying your friend directly with your Venmo balance. Venmo will even transfer the funds from a bank account linked to the Venmo balance.
The only possible issue with the app can be the fact that it charges a transfer fee on all your transactions. In case of a direct bank transfer, you need to bear a transfer fee of 2% while it’s 3% in case you make Venmo payments.
However, these fee amounts don’t seem a lot and they are easily affordable, so the application is still worth a try.
Even is creating a completely new way of managing your money, putting yourself in control. It’s the only budgeting app that lets you spend money when you want to, even when it’s not “planned” in your budget.
It breaks the archetype of the bank account, where you have to wait to be able to spend it. Imagine you earn $1,000 in a month, but you only spend $250 in the same month.
Even lets you spend the rest of your money at any point in time, without waiting until the next month. This way, you can decide when you want to spend it!
The best part is, Even tracks all your expenses in real-time, so you can see exactly where your money is going. It also tracks your income in real-time, so you always know how much you have, even if you don’t have internet access.
Additionally, it also helps you take control of your spendings and put some of it into savings. As such, the application takes the spare change from your non-cash purchases and puts it toward your savings goals. This makes saving as easy as spending.
Also, if you’re a Bank of America customer, the investment returns on your savings goals are at the same rate as the refund and rebate you receive on your bank statements.
To put it all straight Even is simply different from any other app available. Even does not attempt to offer you an app-within-an-app experience, or an interactive magazine-like experience, or push you to watch ads, or promote the next million-dollar idea.
Its primary focus is to be a simple, minimalist, one-purpose utility app, that is to list down your expenses and income for the day, along with automatic categorization to show your total savings. It is just that, and nothing more. No other app offers the same interface and experience.
6. Albert – Mobile Banking
Albert is a Mobile Banking App which is available for both Android and iOS. The app lets you manage your bank accounts, manage multiple banks within a single app.
You can follow your balance and other account details, make payments and transfer funds to other accounts, and receive push notifications whenever there is a change in your balance. With this, you would stop worrying about checking your account balance now and then.
Additionally, the application has a very intuitive interface with high flexibility and ease of use. So, you need not go through a lot of hassles in setting up the application. You just download it and start using it. It’s that simple!
Moreover, it’s not just an application to manage your payments and pay your bills. In fact, you can use its assistance and guidance to manage your finances and make some savings as well.
This is possible because the application tracks your transactions, analyses them, and lets you know the areas where you can cut out on the expenses and put the money into savings.
With all of that, it’s no doubt that the application has become so popular among the masses to meet their needs for money quickly and easily.
Chime is an affordable, easy, and mobile-only application using which you can manage your finances anytime, anywhere, without having to worry about paying expensive bank fees.
It is a great mobile banking app with a whole lot of benefits for checking and saving accounts. The mobile app is a cutting-edge banking platform that enables its users to have a good banking experience.
In fact, it is not just a bank, it’s a community of people that have a shared mission to help consumers get ahead.
It is a modern mobile finance app for your finances. It is free, secure, fast, friendly, and fun! You can easily track your account balances, credit card payments, cash flow, investments, etc. on the go. What makes Chime distinct from other finance management apps is its user experience.
Chime’s user interface is one of the most simple, clean, and friendly interfaces for personal finance software. Creating new accounts, adding transactions, moving money between accounts, paying bills, etc. are extremely easy on Chime.
On Chime, you also have the option to connect with people you trust and share your data with them – which is very helpful for people who have kids, are married, are in business with friends, etc.
It has a mission to simplify the financial lives of its customers, offering more accounts in one app, easy budgeting tools, automatic notifications for bill payments, free ATM withdrawals, free checks, and free deposits.
As such, the users of the Chime app can create a budget any way they want. Moreover, you can create any number of budgets as well and the app makes it easy to switch between the different types of budgets.
Besides that, you can easily make bill payments as and when you receive notifications for the same. Also, whether it’s withdrawal or deposits, you can do it all for free.
With all of that, Chime offers you great control over your money and finances and you can keep all your financial issues at bay.
8. Ingo Money
A relatively new application to help you with your finances is Ingo Money. This is a free application that allows users to instantly deposit checks into their accounts and even instantly withdraw funds whenever they are needed.
Additionally, the application can help track account status and view all its activities to ensure that everything remains under control and you are able to better manage the finances and money in your hands.
Basically, the application is designed with the sole purpose of meeting your desperate and urgent requirements for money.
As such, you can simply request the money and no matter what, irrespective of whether your paycheck is credited or not, you shall get the money you need within an hour. This happens with the application’s principle of sharing money among family and friends.
With that, this application is one of its kind, entirely unique, something that will help you a lot with all your financial needs and requirements.
Moreover, you can even withdraw money from an ATM using the Ingo Money Card available with the application. That further opens up your sources for having money in times of need.
The Final Verdict
With the growing importance of money in our life and the fact that it is imperative to meet your needs and requirements right from the basic ones to the ones that are a chance at luxury and comfort, it is essential for you to manage your finances in the best ways you can.
One way is having the money as and when you like ahead of your paychecks. The next way is to make sure that all your expenses and spendings are managed, within the planned budgets and that you have enough money put into your savings.
Now, Branch is a phenomenal application for the purpose. You can get the money as and when you like, you can get help with budgeting, tracking expenses, and putting your money into savings. Not only that, you can even manage your office work by collaborating with your team on this application.
With all of that, it’s no doubt that Branch is the perfect money management application. However, since it is used only when your employer uses it, you need other options to your aid as well. In fact, the more applications you have to help you out with the management of your money, the better.
It is in this particular interest that we have come up with this list of some of the best apps like Branch.
We hope that you enjoyed going through all the applications on our list, found the article informative and interesting, and are all set to explore these applications so that you may have better control over your money and finances.
Happy Financial Planning and Money Management!