Freedom251 › Earned Wage Access Software
Dosh
What Dosh is
Dosh is an earned wage access platform for employees of companies that partner with it. It connects to an employer’s payroll system and tracks pay as it accrues, so eligible workers can request up to 25% of their monthly salary before payday. The default allowance is one advance per week, though an employer can configure a higher limit. Dosh charges a flat 10% transaction fee on the amount requested. The advance and fee are deducted from normal pay on the next payday and itemised on the payslip. Approved funds go to a bank account or mobile wallet, often within minutes. Dosh says the service is not a loan and does not involve a credit check or interest. Employees need an integrated payroll at a participating company, plus a South African ID, mobile number, bank account details and three months of bank statements to sign up. The Android app is available on Google Play; Dosh says iOS is coming soon. Dosh lists a paid plan at 10 ZAR, paid once, with a flat transaction fee.
Who it suits
Dosh suits employees at participating companies with integrated payroll who need access to part of their earned pay before payday. Applicants need a South African ID, mobile number, bank account details and three months of bank statements.
What it does well
- Access up to 25% of monthly salary before payday
- Approved funds often arrive within minutes
- No credit check or interest, according to Dosh
- Advance and fee are itemised on the payslip
What to know first
- Requires a participating employer with integrated payroll
- Charges a flat 10% fee on the amount requested
- One advance per week by default
- The app is Android-only for now; iOS is coming soon
Limits
Employees can access up to 25% of monthly salary, with one advance per week by default; an employer can configure a different limit. Each request carries a flat 10% fee, and the amount plus fee is deducted on the next payday.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Employee wage access | Flat transaction fee on the amount requested; for example, R500 requested means R550 is deducted on payday. · Up to 25% of monthly salary · One advance per week by default; employers may configure a different limit | 10 ZAR, paid once |
As dosh.co.za lists them, read 5 Oct 2026. The maker's own page has the final word.
Getting started
- Confirm that your employer participates in Dosh and has integrated payroll.
- Get the Dosh app from Google Play on Android.
- Sign up with a South African ID, active mobile number, and bank account details.
- Provide three months of recent bank statements.
- Request an advance within your available wages and employer-configured limit.
Verdict
Dosh offers eligible employees a way to receive some accrued wages before payday, with repayment taken from normal pay on the next payday. Check the fee and employer eligibility, and note that the default limit is one advance per week.
Questions
How much does Dosh cost employees?
The listed plan is 10 ZAR, paid once. Dosh charges a flat 10% transaction fee on the requested amount; a R500 request results in R550 deducted on payday.
Who can use Dosh?
Employees need to work for a company partnered with Dosh, with payroll access integrated. Signup requires a South African ID, mobile number, bank account, and three months of recent bank statements.
How much pay can an employee request?
Employees can access up to 25% of monthly salary accrued through the pay cycle. The default is one advance per week, but employers can configure a higher limit.
Which platforms does Dosh support?
Dosh is listed for Android and web. Its app is available on Google Play, and the company says iOS is coming soon.
Is Dosh a loan?
Dosh says its wage access is not a loan and involves no credit check or interest. The amount accessed and the transaction fee are deducted from normal pay on the next payday.
How are funds paid out?
Approved funds are sent to an employee’s bank account or mobile wallet, often within minutes.
Facts from Dosh's own pages
- Advance fee
- Dosh charges a flat 10% transaction fee on the amount requested. · dosh.co.za, 4 Oct 2026
- Android app
- Dosh says its app is available on Google Play; its homepage says iOS is coming soon. · dosh.co.za, 5 Oct 2026
- Available wages
- Employees can access up to 25% of their monthly salary, accrued as they work through the pay cycle. · dosh.co.za, 4 Oct 2026
- Eligibility
- Employees must work for a company partnered with Dosh and have payroll integration, a valid South African ID, a South African bank account, and completed identity and FICA verification. · dosh.co.za, 5 Oct 2026
- Employer cost
- Dosh says offering the benefit costs the business nothing, as Dosh funds advances upfront and recovers them through payroll. · dosh.co.za, 5 Oct 2026
- Employer scale
- Dosh says it has more than 100 employers offering the benefit. · dosh.co.za, 4 Oct 2026
- Employer size
- Dosh says there is no strict minimum company size and that the service is built to scale from small teams to large workforces. · dosh.co.za, 5 Oct 2026
- Headquarters
- Bloemfontein, South Africa · dosh.co.za, 28 Sept 2026
- Not a loan
- Dosh says wage access is not a loan and involves no credit check or interest. · dosh.co.za, 5 Oct 2026
- Payout
- Approved funds are sent to the employee’s bank account or mobile wallet, often within minutes. · dosh.co.za, 5 Oct 2026
- Payroll connection
- Dosh connects to an employer’s payroll through a secure, read-only link to track wages as they are earned. · dosh.co.za, 5 Oct 2026
- Platform availability
- The Dosh app is available on Google Play; the site says iOS is coming soon. · dosh.co.za, 4 Oct 2026
- Privacy
- Dosh says it does not sell personal data and protects it with encryption, access controls, and secure infrastructure. · dosh.co.za, 5 Oct 2026
- Product
- Dosh is an earned wage access platform that lets employees at participating companies access part of the wages they have already earned before payday. · dosh.co.za, 4 Oct 2026
- Repayment
- The amount accessed plus the transaction fee is deducted from the employee’s next payday and itemised on the payslip. · dosh.co.za, 5 Oct 2026
- Security
- Dosh says it uses bank-grade encryption, strict access controls, and audit trails for advances and transactions. · dosh.co.za, 5 Oct 2026
- Signup documents
- Dosh asks applicants for an active mobile number and three months of recent bank statements as well as their ID and bank account details. · dosh.co.za, 5 Oct 2026
- Support
- Dosh lists technical support at +27 (0) 83 677 4018 and [email protected]. · dosh.co.za, 5 Oct 2026
- Weekly limit
- By default, employees may request one advance per week, though an employer can configure a higher limit. · dosh.co.za, 4 Oct 2026
- What it does
- Dosh lets employees at participating employers access part of the wages they have already earned before payday. · dosh.co.za, 5 Oct 2026
Where Dosh stands on Freedom251
- Earned Wage Access Software#10 of 16