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Payroll · head to head

Branch App vs Nmbrs

Branch App logo

Branch App

Payroll

Digital wallet and Mastercard debit card bundled with fee-free earned wage access for US workers

From
Free
Rated
-
Full reviewWebsite
Nmbrs logo

Nmbrs

Payroll

Dutch and Swedish payroll and HR sold largely through accountants, owned by Visma since 2017

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Branch App has a free tier, so it costs nothing to try first.
  • Each has a real cost: Branch App the fee-free promise applies most fully to funds kept in the Branch Wallet; moving money out instantly to an external bank account can carry a fee, which is easy to overlook.; Nmbrs coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
  • They diverge on capability: Branch App covers On-demand pay, Nmbrs covers Dutch payroll engine.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Branch App and Nmbrs actually diverge.

Attributes where Branch App and Nmbrs differ
AttributeBranch AppNmbrs
Starting priceFreeOn request
Pricing modelFree for employers, fee-free standard access for workersquote
Free tierYesNo

Identical on both: platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Branch App

  • On-demand pay
  • Branch Wallet
  • Branch Card
  • Branch Embedded
  • Cashless tips and mileage tracking
  • Automatic savings

Only in Nmbrs

  • Dutch payroll engine
  • Swedish payroll
  • Collective agreement handling
  • Employee self service
  • HR records
  • Accountant workspace
  • Open API
  • Journal export

What people use each for

The jobs each tool is most often brought in to do.

Branch App

  • A healthcare, retail or hospitality employer wanting fee-free earned wage access for shift workersnot Nmbrs
  • A gig or shift-scheduling platform wanting to embed pay features under its own brand via Branch Embeddednot Nmbrs
  • An employer wanting cashless tipping and mileage tracking bundled with wage accessnot Nmbrs
  • A worker who wants a dedicated pay-focused wallet and debit card rather than routing advances to a personal bank accountnot Nmbrs

Nmbrs

  • A Dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregatornot Branch App
  • An accountancy firm running payroll for dozens of client companies from one workspacenot Branch App
  • A Dutch subsidiary of an international group that needs correct CAO and pension fund handlingnot Branch App
  • An HR or time tracking vendor that needs a documented API to push hours and changes into Dutch payrollnot Branch App

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Branch App

  • The fee-free promise applies most fully to funds kept in the Branch Wallet; moving money out instantly to an external bank account can carry a fee, which is easy to overlook.
  • Because Branch Embedded lets other platforms white-label the same infrastructure, a worker or employer evaluating a differently branded wage access feature may not realise Branch is the underlying processor, complicating vendor due diligence.
  • As with all earned wage access, frequent draws are a symptom of pay not covering living costs between cycles, which the product does not itself remedy.
  • Coverage is US-only, so it does not serve international or multi-country workforces.
  • Adoption value depends on workers actually using the Branch wallet and card day to day; a worker who only wants advances deposited into an existing bank account gets a comparatively thinner experience than one who adopts the full wallet.

Nmbrs

  • Coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
  • Most customers buy through an accountancy or payroll bureau, which means the price, the service level and the escalation path are set by an intermediary rather than by Visma.
  • English documentation and support lag behind the Dutch material, which slows down international finance teams trying to understand what a declaration actually contains.
  • The HR modules are basic next to a dedicated HRIS, so companies typically pair Nmbrs with another system and maintain an integration between them.
  • Ownership by Visma places it inside a large portfolio with overlapping payroll products, and buyers should ask where Nmbrs sits in that portfolio before committing to a long contract.

Pricing, plan by plan

Branch App

Free
  • BranchFree
    • No employer subscription cost
    • Fee-free earned wage access to the Branch Wallet
    • Instant transfer to external accounts may carry a fee

Nmbrs

On request
  • Nmbrs$undefined/year
    • Priced per employee per month, commonly resold by accountancy firms
    • Payroll and HR modules licensed separately
    • Direct pricing differs from partner pricing

Which should you pick?

Choose Branch App if

  • You need on-demand pay.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want branch wallet.
Branch App review

Choose Nmbrs if

  • You need dutch payroll engine.
  • You work on Web, iOS, Android.
  • You also want swedish payroll.
Nmbrs review

Questions people ask

Is Branch App or Nmbrs better?
Neither clearly leads. Branch App starts at Free and Nmbrs at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Branch App or Nmbrs?
Branch App has a free tier; the other does not. Paid plans start at Free for Branch App and On request for Nmbrs.
Does Branch App or Nmbrs run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
Can I use Branch App for free?
Yes. Branch App has a free tier, so you can try it without paying. Nmbrs starts at On request.
What is Branch App best used for?
Branch App is most often used for a healthcare, retail or hospitality employer wanting fee-free earned wage access for shift workers, a gig or shift-scheduling platform wanting to embed pay features under its own brand via branch embedded, an employer wanting cashless tipping and mileage tracking bundled with wage access, a worker who wants a dedicated pay-focused wallet and debit card rather than routing advances to a personal bank account. Of those, a healthcare, retail or hospitality employer wanting fee-free earned wage access for shift workers and a gig or shift-scheduling platform wanting to embed pay features under its own brand via branch embedded are not what Nmbrs is typically brought in for.
What can Branch App do that Nmbrs cannot?
Branch App covers On-demand pay, Branch Wallet, Branch Card, Branch Embedded. Nmbrs covers Dutch payroll engine, Swedish payroll, Collective agreement handling, Employee self service.

Answered from the vendors’ own pages

Branch App: Is it free for employers?

Yes, the core earned wage access offering is free for employers and standard access is fee-free for workers.

Nmbrs: Does Nmbrs actually file Dutch payroll taxes?

Yes. It calculates wage tax and submits the loonaangifte to the Belastingdienst, along with pension fund and sector scheme declarations. It is not an aggregator passing data to a bureau.

Branch App: What is Branch Embedded?

A white-label version of Branch's wage access and paycard infrastructure that other software platforms can build into their own branded product.

Nmbrs: Which countries does it cover?

The Netherlands and Sweden. Nowhere else.

Branch App: Does it work outside the US?

No, it is a US-only product.

Nmbrs: Do I buy it direct or through an accountant?

Both are possible, but most Dutch customers come through an accountancy or payroll administration firm, and the price and support come from that firm.

Nmbrs: Who owns Nmbrs?

Visma, the Nordic business software group, acquired it in 2017.

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