EARNED WAGE ACCESS

Tired of waiting for your salary every month?

Access Your Salary. Anytime, Anywhere

Request a Demo
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What is ABHI?

Abhi is a neobank of the future providing a comprehensive suite of financial solutions.

With Abhi’s Earned Wage Access
(EWA), employees can withdraw their earned salary anytime, anywhere.

Access your earned salary in 30 seconds!

With the Abhi app, you can track transactions and stay in control of your money.

COMING SOON

Why EWA?

Earned Wage Access

For Employees

No hidden fees Only pay when you use it

Instant salary access Money in your account within 30s

Support loved ones Send money before payday

Debt-free access No loans or credit cards

For Employers

Higher productivity Motivated teams perform better

Positive workplace Stronger employee relationships

Better retention Employees stay where they feel valued

Zero cost No signup fees

How it works

A step-by-step process of the journey from your company getting onboarded to your employees accessing their salary before payday.

Step 1

Access

Once your company is approved during onboarding, you’ll receive login credentials for the Employer Portal. 

Step 2

Manage

In the Employer Portal, you can view all EWA transactions, manage employees, set daily withdrawal limits, and define incentive schemes.

Step 3

Repay

The portal provides all the details needed to repay Abhi after payroll. You can view individual transactions or get a full overview of all employees and their EWA activity.

How it works

A step-by-step process of the user journey
from your company getting onboard to your employees accessing salary before payday

Step 1

Log in using your National ID

Step 2

Check your Earned Balance

Step 3

Enter the required Amount

Step 4

Get your Salary in your bank account, in 30 seconds

Employer Portal

complete turnkey solution

Real-time monitoring of transactions

Manage access to services and withdrawal limits

Quick process to update details and manage entire payroll

Abhi Settles with the employer on payroll day

Here
to Help

Some Frequently Asked Questions

Can anyone use ABHI if their company is not onboarded?

Time to get your company onboarded then, because the answer is NO 🥲

If you are HR, good. If not, you can ask your HR about the cool benefit you’ve found and make them get in touch with us, we will reach out to them and make sure you and your colleagues get the EWA facility.

Repayment happens in one of two ways, depending on the company:
  • Option 1
    • Deducted directly from yourbank accountat the end of the salary cycle
  • Option 2
    • Employers receive an invoice payable within7 calendar days
    • Payment via cheque, IBFT, RTGS, or Bank Transfer
Which option applies depends on your company’s specific setup — our team will guide you through this during onboarding. If repayment fails, contact Abhi immediately, as non-repayment may be reported to Mala’a.

It is set to 50% of their earned salary by default. Can be changed if the company requires

There is no sign up or subscription fee for your employees or your company, only employees will get charged a small fee per transaction that they will pay from their final payroll at the end of the month.

Per Transaction
AmountFees
R.O 0 – 50R.O 3
R.O 51 – 125R.O 6
R.O 126 – 250R.O 9
All fees are exclusive of applicable taxes. OR 250 is the max amount per transaction.