Earned Wage Access

Earned wage access allows employees to access their earned income 24/7 through ABHI’s mobile app or via SMS. The balance is shown on ABHI’s mobile app, which increases every day, with the maximum amount being reached on the last day of the month. Users are charged a fixed fee on every transaction and the transacted amount gets deducted automatically and the remaining salary gets credited into the user’s account on payday.

Earned Wage Access

Earned wage access allows employees to access their earned income 24/7 through ABHI’s mobile app or via SMS. The balance is shown on ABHI’s mobile app, which increases every day, with the maximum amount being reached on the last day of the month. Users are charged a fixed fee on every transaction and the transacted amount gets deducted automatically and the remaining salary gets credited into the user’s account on payday.   

How It Works

Step-by-step process of the user’s journey

Why it's important to financially empower people

0 %

of the employed population earns less than or equal to Rs. 76,900/-

0 %

employees face unexpected expenses that can’t be paid through their monthly salary.

0 %

employees showed interest in using the Earned Wage Access service.

0 %

of employers believe that employees’ morale and well-being is affected when they can’t access funds in an emergency.

Use Cases

When and where can this be used?

Here To Help

Your questions, answered

Can I use ABHI if my company is not onboarded?

Just speak to the HR department at your organization and make sure you are added to the system. You should have no problem signing in!

If my friend logs in on the ABHI app through my phone, will all his information be synced to my phone?

No it won’t be. And the ABHI app automatically logs you out after 5min of inactivity, making sure everyone’s information is safe!

How do I access my earned salary through ABHI?

Log in to the ABHI app and click on the ABHI icon. Your available balance will be shown along with a window to enter the amount you need to withdraw. Enter the amount you want and click on the ‘select account’ button, it will take you to another screen where your current account information will be shown. Click on it then press the ‘next’ button. Click ‘confirm’ and your account will be credited with the given amount within 30 seconds!

If I leave my organization and switch to a different job, will I lose all my data on the ABHI app?

No. Your data is secure and linked to your CNIC number. So if you switch to a different organization your entire data will also shift over there. But this is only valid for organizations that have signed up with ABHI.

How do I add a new bank account?

Open the ABHI app and click on the ABHI icon. Your available balance will be shown along with a window to enter the amount you need to withdraw. Click on the ‘select account’ button, it will take you to another screen where your current account information will be shown and a button that says ‘change account’. Add your new account details here.

I see a suspicious transaction on the app

If you see a transaction that you don’t recognise, report it on our helpline ASAP!

I forgot my PIN

Press the ‘forgot pin’ button on the app, you will receive an OTP on your registered email/phone number which will help you login easily.

Just speak to the HR department at your organization and make sure you are added to the system. You should have no problem signing in!

You can ask your HR about the cool benefit you’ve found and make them get in touch with us via our contact us page, we will reach out to them and make sure you and your colleagues get the EWA facility

The owed amount is paid to ABHI by your employer along with the Rs.100 service fee and your remaining salary is credited to you in the next payroll cycle

Upto 50% of your earned salary.

There is no sign up or subscription fee for you or your company, you only pay when you transact.

Rs. 100 per transaction, regardless of how big or small it is.

Still Got Questions?

Contact our friendly helpline, or visit the FAQ page to find answer your queries

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