Dosh
Dosh is an earned wage access platform for employees of participating companies.
What Dosh is
Dosh is an earned wage access platform for employees of participating companies. It connects to an employer’s payroll system and tracks pay as it accrues, letting eligible employees request up to 25% of their monthly salary before payday. The default limit is one advance per week, though an employer can configure a different limit. Dosh charges a flat 10% 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 are sent to a bank account or mobile wallet, often within minutes. Dosh describes this as wage access rather than a loan, with no credit check or interest. Employees need a South African ID, mobile number, bank account, three months of bank statements, and a participating employer with integrated payroll. 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.
Good
- Access up to 25% of monthly salary before payday
- Approved funds go to a bank account or mobile wallet
- No credit check or interest, according to Dosh
- Advance deductions are itemised on the payslip
Watch out
- Requires employment at a participating company
- Charges a flat 10% transaction fee
- Sign-up requires three months of bank statements
- The app is available on Android; iOS is coming soon
Who it suits
Dosh suits employees whose employer participates and has integrated its payroll system. Applicants also need the listed South African identification, bank, and statement details.
Verdict
Dosh offers a way for eligible employees to access part of their accrued pay before payday. Consider the 10% fee and next-payday deduction, and check whether your employer’s payroll is integrated.
Plans and prices
From Dosh's own pricing page, checked 5 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Employee wage access | 10 ZAR, paid once | Up to 25% of monthly salary · One advance per week by default; employers may configure a different limit · Flat transaction fee on the amount requested; for example, R500 requested means R550 is deducted on payday. |
The facts
Each one read from Dosh's own pages, with the date it was checked.
What it does
- Advance fee
- Dosh charges a flat 10% transaction fee on the amount requested.checked 4 Oct 2026
- Available wages
- Employees can access up to 25% of their monthly salary, accrued as they work through the pay cycle.checked 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.checked 5 Oct 2026
- Employer scale
- Dosh says it has more than 100 employers offering the benefit.checked 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.checked 5 Oct 2026
- Not a loan
- Dosh says wage access is not a loan and involves no credit check or interest.checked 5 Oct 2026
- Payout
- Approved funds are sent to the employee’s bank account or mobile wallet, often within minutes.checked 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.checked 5 Oct 2026
- Privacy
- Dosh says it does not sell personal data and protects it with encryption, access controls, and secure infrastructure.checked 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.checked 4 Oct 2026
- Repayment
- The amount accessed plus the transaction fee is deducted from the employee’s next payday and itemised on the payslip.checked 5 Oct 2026
- Security
- Dosh says it uses bank-grade encryption, strict access controls, and audit trails for advances and transactions.checked 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.checked 5 Oct 2026
- Support
- Dosh lists technical support at +27 (0) 83 677 4018 and [email protected].checked 5 Oct 2026
- Weekly limit
- By default, employees may request one advance per week, though an employer can configure a higher limit.checked 4 Oct 2026
- What it does
- Dosh lets employees at participating employers access part of the wages they have already earned before payday.checked 5 Oct 2026
Where it runs
- Android app
- Dosh says its app is available on Google Play; its homepage says iOS is coming soon.checked 5 Oct 2026
- Platform availability
- The Dosh app is available on Google Play; the site says iOS is coming soon.checked 4 Oct 2026
Money
- Employer cost
- Dosh says offering the benefit costs the business nothing, as Dosh funds advances upfront and recovers them through payroll.checked 5 Oct 2026
The company
- Headquarters
- Bloemfontein, South Africachecked 28 Sep 2026
