It’s your money, get it early
Get paid up to 2 days early* Â
Plus, earn 4% back in XRP¹
*Early access to funds is dependent on timing of payer's submission of deposits. Most users receive funds 2 days early.
¹Qualify with $250+ per qualifying direct deposit. Maximum reward of $500 per calendar month. Rewards are paid in XRP. Terms apply.Â
Getting Started
To qualify, direct deposit must be $250+ XRP back is capped at $500 per month.
Copy bank details
Open the app and tap ‘Deposit’, select ‘USD unique account’ under ‘Regular bank transfer’ to find your Uphold bank info.
Update payroll provider
Paste those details into your payroll portal (e.g. ADP, Gusto, Workday).
Get paid up to 2 days early
Your early pay and instant alerts are active the moment you link your account.
Built for the way you bank today
Next-gen finance, done right
Join millions who use Uphold to earn more from their everyday money. No hidden fees. No lockups. Just better value.
Early Paycheck is a service in which we credit your eligible direct deposit transaction up to two business days early. If you already signed up for direct deposit, then you will automatically be enrolled. If you don’t have direct deposit, you must first set up direct deposit to your Uphold account. For instructions go to our FAQs about direct deposit.
The timing of when a transaction will be credited is based on when the payer submits the information to us. This means that when these transactions are credited could vary and you may not receive your funds early. Eligible transactions are certain ACH credit transactions such as payroll, government benefits, pensions or similar transactions. We rely on ACH transaction coding sent to us by the payer to determine if a transaction is eligible for Early Paycheck. The amount you send by ACH must be greater than $0 but less than $10,000. We reserve the right to withhold or suspend Early Paycheck at any time in our sole discretion.