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Payroll · head to head

Branch App vs Volopay

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
Volopay logo

Volopay

Payroll

Corporate cards, multi-currency accounts and accounts payable automation for Asia-Pacific businesses

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.; Volopay cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • They diverge on capability: Branch App covers On-demand pay, Volopay covers Multi-currency business accounts.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Branch App and Volopay differ
AttributeBranch AppVolopay
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 Volopay

  • Multi-currency business accounts
  • Virtual and physical corporate cards
  • Accounts payable automation
  • Expense management
  • Accounting integrations
  • Approval workflows

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 Volopay
  • A gig or shift-scheduling platform wanting to embed pay features under its own brand via Branch Embeddednot Volopay
  • An employer wanting cashless tipping and mileage tracking bundled with wage accessnot Volopay
  • A worker who wants a dedicated pay-focused wallet and debit card rather than routing advances to a personal bank accountnot Volopay

Volopay

  • A Singapore-headquartered company paying vendors and staff across several APAC currencies from one accountnot Branch App
  • A finance team wanting free domestic transfers with accounts payable automation includednot Branch App
  • A regional business consolidating separate local business bank accounts into one multi-currency platformnot Branch App
  • A company whose card spend is concentrated in SGD and wants to minimise cross-currency fee exposurenot 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.

Volopay

  • Cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • Cross-border payments in non-SGD currencies add roughly 1.6%, so a company paying many overseas vendors accumulates a real cost that is not visible on the headline pricing.
  • Regional focus on Asia-Pacific means weaker fit for companies whose spend is mainly in Europe or North America, where Payhawk or Extend cover the ground better.
  • Pricing is not published, so despite the specific fee percentages that are publicly known, the underlying subscription or platform fee must be obtained by quote.
  • As a comparatively young fintech, its card issuing depends on banking partners whose regulatory standing in each APAC market can change, and companies should confirm current licensing in their specific country before committing.

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

Volopay

On request
  • Volopay$undefined/month
    • Free domestic SGD transfers and Accounts Payable Automation
    • Approximately 1.6% fee on cross-border non-SGD payments
    • Approximately 3.1% fee on cross-currency spend within Singapore

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 Volopay if

  • You need multi-currency business accounts.
  • You work on Web, iOS, Android.
  • You also want virtual and physical corporate cards.
Volopay review

Questions people ask

Is Branch App or Volopay better?
Neither clearly leads. Branch App starts at Free and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Branch App or Volopay?
Branch App has a free tier; the other does not. Paid plans start at Free for Branch App and On request for Volopay.
Does Branch App or Volopay 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. Volopay 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 Volopay is typically brought in for.
What can Branch App do that Volopay cannot?
Branch App covers On-demand pay, Branch Wallet, Branch Card, Branch Embedded. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management.

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.

Volopay: What currency is Volopay built around?

Singapore dollar as the base account currency, with support for spend and transfers across several other Asia-Pacific currencies.

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.

Volopay: Are transfers free?

Domestic SGD transfers and the Accounts Payable Automation product are advertised as free; cross-border and cross-currency transactions carry separate fees.

Branch App: Does it work outside the US?

No, it is a US-only product.

Volopay: Is pricing published?

No, subscription pricing requires a quote, though the specific cross-currency fee percentages are disclosed publicly.

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