Instant Financial Free plan 8.9 Visit Dosh
dosh.co.za
What it is
Dosh is an earned wage access platform for employees of participating companies. It connects to an employer’s payroll system to track wages as they accrue, allowing eligible employees to request up to 25% of their monthly salary before payday. By default, employees may request one advance per week, though employers can configure a different limit. Dosh charges a flat 10% transaction fee on the amount requested. The amount accessed and fee are deducted from normal pay on the next payday and itemised on the payslip. Approved funds are sent to a bank account or mobile wallet, often within minutes. Dosh describes wage access as not a loan and says it involves no credit check or interest. Employees need a participating employer with integrated payroll, a South African ID, mobile number, bank account, and three months of bank statements to sign up. The Android app is available on Google Play; Dosh says iOS is coming soon. The company says it uses encryption, access controls, and audit trails, and does not sell personal data. Dosh says the benefit costs employers nothing to run.
Spec sheet
- What it does
- Dosh lets employees at participating employers access part of the wages they have already earned before payday.Read 5 Oct 2026 · dosh.co.za
- 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.Read 4 Oct 2026 · dosh.co.za
- Security
- Dosh says it uses bank-grade encryption, strict access controls, and audit trails for advances and transactions.Read 5 Oct 2026 · dosh.co.za
- Privacy
- Dosh says it does not sell personal data and protects it with encryption, access controls, and secure infrastructure.Read 5 Oct 2026 · dosh.co.za
- Support
- Dosh lists technical support at +27 (0) 83 677 4018 and [email protected].Read 5 Oct 2026 · dosh.co.za
- Headquarters
- Bloemfontein, South AfricaRead 28 Sep 2026 · dosh.co.za
- Advance fee
- Dosh charges a flat 10% transaction fee on the amount requested.Read 4 Oct 2026 · dosh.co.za
- Android app
- Dosh says its app is available on Google Play; its homepage says iOS is coming soon.Read 5 Oct 2026 · dosh.co.za
- Available wages
- Employees can access up to 25% of their monthly salary, accrued as they work through the pay cycle.Read 4 Oct 2026 · dosh.co.za
- 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.Read 5 Oct 2026 · dosh.co.za
- Employer cost
- Dosh says offering the benefit costs the business nothing, as Dosh funds advances upfront and recovers them through payroll.Read 5 Oct 2026 · dosh.co.za
- Employer scale
- Dosh says it has more than 100 employers offering the benefit.Read 4 Oct 2026 · dosh.co.za
- 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.Read 5 Oct 2026 · dosh.co.za
- Not a loan
- Dosh says wage access is not a loan and involves no credit check or interest.Read 5 Oct 2026 · dosh.co.za
- Payout
- Approved funds are sent to the employee’s bank account or mobile wallet, often within minutes.Read 5 Oct 2026 · dosh.co.za
- Payroll connection
- Dosh connects to an employer’s payroll through a secure, read-only link to track wages as they are earned.Read 5 Oct 2026 · dosh.co.za
- Platform availability
- The Dosh app is available on Google Play; the site says iOS is coming soon.Read 4 Oct 2026 · dosh.co.za
- Repayment
- The amount accessed plus the transaction fee is deducted from the employee’s next payday and itemised on the payslip.Read 5 Oct 2026 · dosh.co.za
- 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.Read 5 Oct 2026 · dosh.co.za
- Weekly limit
- By default, employees may request one advance per week, though an employer can configure a higher limit.Read 4 Oct 2026 · dosh.co.za
Plans and prices
Employee wage access 10 ZAR, paid once 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 Read 5 Oct 2026 · dosh.co.za
Strong points and limits
Strong points
- Access up to 25% of monthly salary.
- Approved funds go to a bank account or mobile wallet.
- No credit check or interest, according to Dosh.
- Employer can configure the weekly advance limit.
Limits
- A flat 10% fee applies to the amount requested.
- Participation requires an employer with integrated payroll.
- Signup requires three months of bank statements.
- The listed app availability is Android; iOS is coming soon.
Who it suits
It suits employees at companies partnered with Dosh whose payroll is integrated, and who need access to a portion of accrued wages before payday. Applicants need the listed South African identification, account, and statement details.
Verdict
Dosh offers early access to accrued wages through participating employers, with a stated flat fee and repayment through the next payday. Eligibility, required signup documents, and the fee are central considerations.
Where Specifiction places it
- Earned Wage Access Software#3 of 168.2
