How do I make an InstaPay request via Money

InstaPay allows you to access your money as you earn it, and is available to employees employed by an organisation that uses an HRIS platform compatible with Swag. InstaPay can be accessed by employees via the Swag app only. The amount accessible per week is up to $250 from your already-earned salary and any wages you withdraw in advance of your pay day via InstaPay we will deduct from your next pay.


InstaPay is not a credit product and does not incur interest or late fees. There is just one small fee of $4.00 per InstaPay transaction (from 17th October 2022). To withdraw InstaPay into your bank account or to withdraw InstaPay into your Swag Spend account. The fee is $3.00.


You must meet the minimum age requirement of 16 years and older. Make sure you have enough money for your financial obligations. Swag is not liable for any loss or potential or actual financial hardship suffered as a result of accessing your pay early.

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Set up an InstaPay request

The below premise will walk you through how to make an InstaPay request.

Request InstaPay
  1. Log into the Swag app.
  2. Tap Money.
  3. Tap Income.
  4. Tap InstaPay.
    Screenshot of where to click on InstaPay to apply
  5. If you are an employee of multiple organisations, you will have the option to choose which organisation you will request your InstaPay payment from. Tap on your desired organisation to make a selection.
    Screenshot of InstaPay and how to choose your organisation that you'd like to receive your instapay cash advance from
  6. Select Get InstaPay.
  7. Enter the amount you want (a minimum of $100) and tap Next.


InstaPay can be paid into any nominated account you have listed on your HRIS web-based profile or directly into your Swag Spend Account.

  1. Select the account you want your Instapay payment to be made to.
  • Review your request and tap the Complete Request button.
  • Tap the Got It button


Once your InstaPay request has been completed, InstaPay will take 1-2 business days to process and for the money to appear in your account.

View InstaPay

The below premise will walk you through how to view your InstaPay request order history.

View my InstaPay order history
  1. Log into the Swag app.
  2. Tap Money.
  3. Tap on Income.
  4. Tap on InstaPay.
  5. Tap on InstaPay History.

Further information

How are InstaPay funds deducted?
InstaPay payments in a pay period will be deducted from your bank account in that pay period’s pay run. You will see the transaction reflected on your pay slip as a deduction, with a reference number that corresponds to the InstaPay order number in your InstaPay history.



If InstaPay does not take the deduction from your pay slip, please contact your HR or Payroll Administrator.

Withdrawal conditions

The maximum InstaPay withdrawal amount available to an employee is $250 a week, while the minimum withdrawal amount is $100 per transaction. If an employee has earned less than $500 in wages for their pay period, the withdrawal amount available to the employee is half of their accrued wage.

Swag calculates InstaPay weeks as a seven-day period, starting on the first day of your pay cycle.


If an employee’s available InstaPay balance is greater than $250, they will only be able to withdraw a maximum of $250 a week. If they wish to conduct another InstaPay withdrawal, the remaining balance will become available in the next seven-day period, and so on until the end of their pay cycle.

InstaPay fees
Transaction Method. Fee.
Discount store purchases using a combination of debit, Hero Points plus InstaPay. $0
Discount store purchases using InstaPay only. $0
InstaPay withdraw. During the Covid pandemic, Swag removed all fees associated with using InstaPay as a goodwill gesture. To cover operating costs, we are reintroducing the InstaPay fee from the 17th October 2022; this means an InstaPay withdrawal of your pay into your bank account will be $4.00 per transaction. If you withdraw InstaPay into your Swag Spend account, then this fee is $3.00.
How long does it take InstaPay to process?

InstaPay transfers are immediate to either your Swag Spend account or your nominated bank account.

If your InstaPay funds are taking longer than stated above to process, get in touch with Swag Support.


Depending on your banking provider, it can take 1-2 business days for InstaPay to process and appear in your account. This is due to the sending and receiving banks' payment processing.

You will see on your Swag home screen if you are eligible to access InstaPay. You will not see this InstaPay tile if you are not eligible for InstaPay in this part of your pay cycle.

Screenshot of swag home screen displaying the available instapay funds tile. This will display if you are eligible in your pay cycle for instapay

Why can I not access InstaPay?
If InstaPay is currently unavailable, this could be for the following reasons:
  • You are about to leave your current position.
  • You have currently taken leave this pay period.
  • You have not worked 3 consecutive pay periods.
  • The organisation you belong to does not have it enabled.
  • Your organisation is not using a compatible Payroll and HRIS connection
  • You have not accrued any income during your current pay cycle.
  • You do not meet the minimum age requirement of 16 years and older.

InstaPay will display an explainer tab as to why you can not access it in this pay cycle. Tap on Learn More in the orange tab to find out more details about eligibility.

Screenshot of the instapay screen showing an orange tab displaying eligibility advice in the swag app

Still need help? Request further assistance via the Swag app. 

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