Earned Wage Access

Reimagining on-demand pay

Earned Wage Access

Take better control of your finances with our Earned Wage Access (EWA) solution. You can now budget and manage more effectively and efficiently. Accessing your earned salary has never been easier!

How does it work?

Get access to your earned salary, on-demand, in three simple steps!


Employee invitation

Your Employer signs up with Ryalize directly or through one of our Banking Partners & invites you to use the App.


Download the app & sign up

Download the app from either the Apple Store, Google Play Store or Huawei AppGallery & complete the 4-step registration process.


Receive income instantly into your bank account

Worked today? You are entitled to request & withdraw part of your earned salary before payday directly to your bank account!


Why you will love our Earned Wage Access Solution

Get paid instantly

Withdrawals are instant & on-demand! You will receive your earned salary directly to your bank account

No hidden fees

There is no profit, interest or hidden charges, only a fixed access fee per transaction regardless of the amount you withdraw

More financial control & awareness

Having better control of your pay helps reduce your financial stress & boosts your overall productivity at work


Read how our Earned Wage Access solution impacted the lives of employees. 

“After using Ratbi for the first time, I feel relieved that I have a portion of my salary available in case of a financial emergency. This gives me the independence to handle any unforeseen expenses without relying on anyone else for financial support.”

Employee in the Financial Services Industry

“I used the Ratbi app many times to withdraw money in order to fix my car. I have no worries now if an emergency happens all of a sudden.”

Sales Consultant of a leading optical company

Got questions?

Read below some of the most common questions & answers below:
Ensure your employer is offering this service. Once you have, all you must do is download the app from one of the App stores (Apple Store, Google Play or Huawei AppGallery) and link to your employer! As soon as your account is authorized, you can start to withdraw any amount of your accumulated salary immediately. Note: The app depends on who your Employer is partnered up with.

With Ryalize, you receive your money, 365 days a year, 24 hours a day. Once a request is made, you will receive your funds as soon as the request has been processed.

You will be charged a small access and transfer fee which will be withdrawn from your salary at the end of the month.

Refer your Employer today & we’ll take care of the rest!

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