Branch On Demand Pay: what $100 really costs
Branch is offered through employers, usually up to 50% of what you’ve earned that pay period. Advances to a Branch Wallet are instant and free; Branch Direct sends them to your own bank instantly for $2.99. Your employer takes the advance back from your next paycheck. On its published terms, $100 delivered instantly and repaid in 14 days costs $0.00, or 0% APR; waiting for the standard transfer costs $0.00.
Fees and terms checked · Not financial advice
Branch On Demand Pay · instant
$100 advance · repaid in 14 days · instant delivery
0.00 ÷ 100.00 × (365 ÷ 14) × 100 = 0.0%
Branch On Demand Pay · if you wait
$100 advance · repaid in 14 days · standard delivery
0.00 ÷ 100.00 × (365 ÷ 14) × 100 = 0.0%
Among apps offered through employers, that puts Branch at 1 of 5 by the cost of a $100 instant advance. See the full ranking or change the amount and dates in the calculator.
Every published price
Quoted from Branch’s own pages, checked November 8, 2026. Each line links to where it says so.
| Charge | Price | From Branch’s page |
|---|---|---|
| Membership | not required | There are no cancellation or other fees charged by Branch in connection with your decision to no longer participate in the ODP Service or stop requesting Advances.branchapp.com |
| Instant to a Branch Wallet | $0.00 on $100 | request that all or part of it be sent instantly to your Branch Wallet at no chargebranchapp.com |
| Instant to your own bank (Branch Direct, if your employer offers it) | $2.99 on $100 | Instant Advance. Funds are sent to your Bank Account instantly for a fee of $2.99 per Advance, regardless of the amount of the Advance.branchapp.com |
| Moving wallet money to an outside debit card instantly | $2.99–$4.99 on $100 | Card Based Transfer off of Branch Wallet (Instant): $2.99-$4.99 varies based on amountbranchapp.com |
| Standard delivery (1–2 business days) | $0.00 | Standard Advance. Funds are sent to your Bank Account for free and generally arrive in 1-2 business days.branchapp.com |
| Tips | not stated | No tip or donation feature is mentioned in the ODP Terms. The Direct to Consumer ODP Terms state: 'BRANCH DOES NOT CHARGE OR COLLECT ANY OTHER FEES IN CONNECTION WITH ADVANCES.'branchapp.com |
| ACH transfer out of Branch Wallet | $0.00 | ACH Transfer off of Branch Wallet: $0branchapp.com |
| Out-of-network ATM (Branch Wallet card) | $2.00 | ATM Fee (Out-of-Network): $2 (Fees assessed by third party ATM may apply)branchapp.com |
| Dormant account fee (Branch Wallet) | $5.00 | Dormant Account Fee: $5.00 per month (applies after twelve (12) consecutive months with no account activity to the extent permitted under applicable state law).branchapp.com |
What other amounts cost
Repaid in 14 days, with any membership counted for one month. Small advances cost the most per dollar: a fee that doesn’t shrink with the amount weighs more on $25 than on $200. Blank cells mean Branch doesn’t publish that price.
| Advance | Instant | APR | If you wait | APR |
|---|---|---|---|---|
| $25.00 | $0.00 | 0% | $0.00 | 0% |
| $50.00 | $0.00 | 0% | $0.00 | 0% |
| $100.00 | $0.00 | 0% | $0.00 | 0% |
| $150.00 | $0.00 | 0% | $0.00 | 0% |
| $200.00 | $0.00 | 0% | $0.00 | 0% |
| $300.00 | $0.00 | 0% | $0.00 | 0% |
| $500.00 | $0.00 | 0% | $0.00 | 0% |
Limits, eligibility and repayment
- Maximum
- not published While most employers allow employees to receive Advances of up to 50% of amounts earned in that pay period, some employers impose lower limits. branchapp.com
- Who can get it
- You must (a) receive salary or wages from an employer that partners with Branch to offer the ODP Service, and (b) have earned funds from that employer during the current pay period. branchapp.com
- Credit check
- Not stated as yes or no Not stated. The ODP Terms only say Branch will not 'REPORT THE NON-RECOVERY OF ANY ADVANCE OR ASSOCIATED FEE TO A CONSUMER REPORTING AGENCY'. branchapp.com
- Repayment
- Payroll Recovery Program: Your employer deducts the total Advances you took during the pay period, plus any applicable fees, from your next paycheck. Most employers have selected the Payroll Recovery Program. Wallet Recovery Program: Branch deducts the total Advances ... directly from your Branch Wallet. branchapp.com
- Interest
- USE OF ON DEMAND PAY IS NOT INTENDED TO CREATE A DEBT OBLIGATION FROM YOU TO BRANCH OR TO YOUR EMPLOYER. branchapp.com
- States
- Indiana: instant fee 'will not exceed the greater of $5 or 5% of the Advance amount'. Maryland and Wisconsin: 'will not exceed $5 for an Advance of $75 or less, or $7.50 for an Advance greater than $75.00.' 'the ODP Service may not be offered or available in all U.S. jurisdictions.' branchapp.com
Worth knowing
- Moving money from the Branch Wallet to an outside debit card instantly costs $2.99–$4.99 depending on the amount; Branch doesn’t publish the tiers.
Regulatory actions
Our check of official sources (the FTC, the CFPB, the Department of Justice, state attorneys general and regulators) turned up no action about Branch’s advances as of November 8, 2026. If you know of one, please tell us.
Close to Branch on cost
Payactiv Earned Wage Access
$2.49 · 65% APR
DailyPay On-Demand Pay
$3.99 · 108% APR
Sources for this page
- branchapp.com — Branch’s own page, checked Nov 8, 2026
- branchapp.com — Branch’s own page, checked Nov 8, 2026
- branchapp.com — Branch’s own page, checked Nov 8, 2026
- apps.apple.com — Branch’s own page, checked Nov 8, 2026
How costs are calculated, what is left out and how to send a correction: methodology.
Cite this page
Best Cash Advance Apps. "Branch On Demand Pay: the true cost of a $100 advance." Updated November 8, 2026. https://bestcashadvanceapps.com/apps/branch/