Get paid, spend
and save. All in
one app.

Access your wages before payday, save more and unlock exclusive rewards to make your money go further.

Say hello to
financial freedom.

Open a Swag Spend account and discover a better way to earn, spend and save.

Access your pay as soon as you earn it with InstaPay. Use your Swag Visa Debit card to unlock instant savings and Cashback offers. Earn Hero Points to spend on big-ticket items in the Swag store or with your Swag Visa Debit card.


Your money,
your way.

With a Swag Visa Debit card and Spend Account, you can pay, send money and save instantly. Paying with your Swag Visa Debit card unlocks exclusive Cashback offers that put money back in your pocket.

The best bit? $0 fees. No international transaction fees. And no fees at all major bank ATMs anywhere in the world.


On-demand pay.

See your wages grow in real-time, and access a portion of them before payday with InstaPay.

Since it’s your own money, there’s no credit, interest or hidden costs. Just one small drawdown fee capped at $4 (that’s less than a cup of coffee).


Budget better.

Never get caught off-guard by a bill again. Make budgeting a breeze by setting aside part of each pay with PaySplit.

Choose how and where you’d like to split your wages. You’ll save without breaking a sweat.


Earn Hero Points for a job well done.

Better than a pat on the back. Receive Hero Points from your employer for work milestones, kicking goals, and celebrating birthdays. Spend them in the Swag store with 4.5% off gift cards from Dan Murphy’s, Uber Eats and more. Browse our marketplace of Cashback partners and get up to 20% cash back from leading brands. Or redeem Hero Points with your Swag Visa Debit card. The choice is yours.

Latest features


Build budgets

When you setup a Swag Spend Account, you can also track your spending and build budgets you can stick to with Stash accounts.

Open up to 9 sub-accounts to transfer and separate funds from your main Swag Spend account. Name these accounts, and set targets for Travel, Bills, Groceries, Festivals—you name it.


Take control of your Super

Swag gives you the ability to conveniently access your Superannuation information whenever you want. You can import and save your superannuation details via the Money tab to keep your super details in one place.

Soon you’ll be able to take control of your superannuation making it easier to manage, contribute and grow.

Make money moves.

Get on top of your finances without complicated spreadsheets and budgets. It’s the easy way to spend, save and make your money go further.

To find out more about InstaPay, Pay Split and our other Money features, visit our FAQs page.