Refyne
Refyne is a financial wellness platform that gives employees access to accrued salary, financial education, and tools for longer-term planning.
What Refyne is
Refyne is a financial wellness platform that gives employees access to accrued salary, financial education, and tools for longer-term planning. Through Salary On-Demand, employees can withdraw earned pay before payday; short-term withdrawals are deducted from that month’s payroll and carry an upfront slab-based transaction fee, whose amount is not published. Refyne says access can reach an employee’s account in 60 seconds, while larger borrowing amounts require eligibility checks. Money Guru offers one-to-one sessions with SEBI- or CFP-authorised 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 offerings include Scan and Pay, a prepaid Visa card, gold savings, pocket insurance, Salary Protect, and a savings account. Refyne supports Android, iOS, web, and WhatsApp, with 11 regional languages. Employers may offer benefits at no cost, but access requires an employer partnership; individuals cannot sign up directly. Pricing is on request.
Good
- Short-term salary access can reach accounts within 60 seconds.
- Money Guru sessions are free to employees at partner companies.
- Includes budget insights, calculators, and CIBIL score checks.
- Supports Android, iOS, web, and WhatsApp.
Watch out
- Individuals cannot sign up directly.
- Employees pay a transaction fee to access funds.
- Fee amounts are not published.
- Larger borrowing amounts require eligibility checks.
Who it suits
It suits employers seeking financial-wellness benefits for on-roll or off-roll workers, and employees who want salary access, financial education, and planning tools through their employer.
Verdict
Refyne combines early access to accrued pay with financial education and planning tools. Its benefits are available through employer partnerships, and employees pay a fee when accessing funds.
The facts
Each one read from Refyne's own pages, with the date it was checked.
What it does
- Availability
- The FAQ says the app is available through the Google Play Store, Apple Store, WhatsApp, and a web app, and supports 11 regional languages.checked 3 Oct 2026
- Compliance
- Refyne says it follows RBI KYC guidelines and DPDP, VAPT, labor-law, and RBI requirements, alongside SOC 2 and ISO 27001 compliance.checked 3 Oct 2026
- Eligibility limit
- Individuals cannot sign up directly; Refyne benefits are offered through an employer partnership.checked 2 Oct 2026
- Fees
- Refyne says employers can offer the benefits at no cost, while employees pay an upfront transaction fee when accessing funds; the number of withdrawals can be set by the employer.checked 2 Oct 2026
- Fees and borrowing
- The FAQ describes a small slab-based convenience fee for short-term withdrawals and eligibility checks for larger borrowing, without publishing fee amounts.checked 3 Oct 2026
- Financial coaching
- Money Guru offers personalized one-to-one sessions and group interactions with SEBI-certified financial advisors.checked 3 Oct 2026
- Integrations
- Refyne supports automated API integrations and can use employer, employee, salary, and attendance information for eligibility and salary calculations.checked 3 Oct 2026
- Notable limit
- Refyne says employer agreements can enable benefits in as little as 24 hours with its base model, while customized launches may take 3 to 10 days.checked 3 Oct 2026
- Other products
- The product suite includes Scan and Pay, a prepaid Visa card, Money Guru, personal finance tools, gold savings, and pocket insurance.checked 3 Oct 2026
- Personal finance tools
- The Personal Finance Manager includes spending and budget insights, expense goals, PF and loan EMI calculators, and CIBIL score checks.checked 2 Oct 2026
- Product
- Refyne describes itself as a financial wellness suite offering employees salary access, financial education, and tools for long-term financial planning.checked 2 Oct 2026
- Salary access
- Salary On-Demand lets employees access accrued salary before payday, with short-term withdrawals deducted from that month’s payroll.checked 2 Oct 2026
- Salary access speed
- The product page says employees can access accrued salary in 30 seconds with a single click.checked 3 Oct 2026
- Salary On-Demand
- Employees can access accrued salary before payday; larger borrowing amounts require eligibility checks.checked 3 Oct 2026
- Savings and protection
- Products listed include gold savings, pocket insurance, Salary Protect, and a savings account.checked 2 Oct 2026
- Security
- Refyne states that it is ISO 27001 and SOC 2 certified, encrypts data at rest and in transit, and has a dedicated InfoSec team.checked 3 Oct 2026
- Support
- The FAQ says partner organizations receive a dedicated Key Account Manager providing 24×7 support.checked 3 Oct 2026
- What it does
- Refyne is a financial wellness platform offering employees access to funds, financial education, and tools for long-term financial planning.checked 3 Oct 2026
- Who can use it
- Refyne benefits are offered through an employer partnership; the FAQ says individuals cannot sign up directly.checked 3 Oct 2026
- Withdrawal speed
- Refyne says short-term withdrawals can reach an employee’s account within 60 seconds.checked 2 Oct 2026
The company
- Company history
- Refyne says it launched Salary On-Demand in 2021 to give employees access to earned wages when needed.checked 2 Oct 2026
- Founded
- 2021checked 28 Sep 2026
- Headquarters
- Bengaluru, Karnataka, Indiachecked 28 Sep 2026
Money
- Employer costs
- Refyne says employers can offer the benefits at no cost, while employees pay an upfront slab-based transaction fee when accessing funds.checked 3 Oct 2026
