Refyne is a financial wellness platform for employees, combining access to accrued salary, financial education, and personal finance tools. Salary On-Demand lets employees access earned pay before payday; short-term withdrawals are deducted from that month's payroll and incur an upfront slab-based transaction fee, whose amount is not published. Refyne says funds can reach an employee's account in 30 seconds, while larger borrowing amounts require eligibility checks. Money Guru provides one-to-one sessions with SEBI- or CFP-authorised financial advisers, free to employees at partner companies. Its Personal Finance Manager includes spending and budget insights, expense goals, PF and loan EMI calculators, and CIBIL score checks. Other listed products include Scan and Pay, a prepaid Visa card, gold savings, pocket insurance, Salary Protect, and a savings account. The service is available on Android, iOS, web, and WhatsApp, and supports 11 regional languages. Refyne says employers can offer benefits at no cost, but individuals cannot sign up directly: access requires an employer partnership. Pricing is on request.
Who it is for
Refyne suits employees whose organisations partner with the service and want salary access, financial education, or personal finance tools. Organisations including private companies, NGOs, and government entities can partner, and benefits may cover on-roll and off-roll workers.
What is good
- Salary access before payday
- One-to-one adviser sessions free at partner companies
- Personal finance tools include budget insights
- Available on Android, iOS, web, and WhatsApp
- Supports 11 regional languages
What to know first
- Individuals cannot sign up directly
- Employees pay an unpublished transaction fee
- Larger borrowing requires eligibility checks
- Pricing is on request
Verdict
Refyne brings salary access, adviser sessions, and financial tools together for employees reached through an employer partnership. Employees should note the transaction fee and confirm eligibility for larger borrowing.
Compared on earned wage access software
- Employee mobile app
- Yes
- Instant wage transfer
- Yes
- Payroll integration
- Yes
- Earnings data source
- realtime
- Eligibility rules
- Yes
