How to set up an InstaPay request | Money


InstaPay allows you to access your money as you earn it, and is available to employees employed by an organisation that uses the Employment Hero payroll platform. InstaPay can be accessed by employees via the Employment Hero app only. The amount accessible per week is up to $250 from your already earned salary. Any wages withdrawn in advance of your pay day via InstaPay deducts from your next pay. The purpose of this article is to demonstrate how to set up an Instapay request.


InstaPay is not a credit product and does not incur interest or late fees. There is just one small fee of $4.00 per InstaPay transaction (from 17 October 2022) to withdraw InstaPay into your bank account. To withdraw InstaPay into your Hero Wallet account, then the fee is $3.00.


Disclaimer: You must meet the minimum age requirement of 16 years and older.

Make sure you have enough money for your financial obligations. Employment Hero is not liable for any loss or potential or actual financial hardship suffered as a result of accessing your pay early.

Getting started

The below premise will walk you through how to make an InstaPay request.

Request InstaPay
  1. Log into the mobile application.
  2. Tap Money.
  3. Tap Income.
  4. Tap Instapay.
  5. Select Get Instapay.
  6. Enter the amount you want, a minimum of $100, and tap Next.


InstaPay can be paid into any nominated account you have listed on your Employment Hero web based profile or directly into your Hero Wallet.

  1. Select the account you want your payment to be made to.
  • Review your request and tap
    the Confirm button.
  • Tap the Got It button


Once your InstaPay requested has been completed, InstaPay will take 1-2 business days to process and for the money to appear in your account.


The below premise will walk you through how to view your InstaPay request order history.

View my InstaPay order history
  1. Log into the mobile application.
  2. Tap Money.
  3. Tap on Income.
  4. Tap on Instapay.
  5. Tap on Instapay History.

Further information

How are InstaPay funds deducted?
InstaPay payments in a pay period will be deducted from your bank account in that pay period’s pay run. You will see the transaction reflected on your payslip as a deduction, with a reference number that corresponds to the InstaPay order number in your InstaPay history.



InstaPay deductions are processed by your organisation. For any queries, concerns or if deductions are not noted on your pay slip, or if there is a discrepancy with the deductions, please contact your organisations payroll department.

Withdrawal conditions

The maximum InstaPay withdrawal amount available to an employee is $250 a week, while the minimum withdrawal amount is $100 per transaction. If an employee has earned less than $500 in wages for their pay period, the withdrawal amount available to the employee is half of their accrued wage.

Employment Hero calculates InstaPay weeks as a seven-day period, starting on the first day of your pay cycle.


If an employee’s available InstaPay balance is greater than $250, they will only be able to withdraw a maximum of $250 a week. If they wish to conduct another InstaPay withdrawal, the remaining balance will become available in the next seven-day period, and so on until the end of their pay cycle.

InstaPay fees
Transaction Method. Fee.
Discount store purchases using a combination of debit, Hero Dollars plus InstaPay. $0
Discount store purchases using InstaPay only. $0
InstaPay withdraw. During the Covid pandemic, Employment Hero removed all fees associated with using InstaPay as a goodwill gesture. To cover operating costs, we are reintroducing the InstaPay fee from the 17th October 2022; this means an InstaPay withdrawal of your pay into your bank account will be $4.00 per transaction. If you withdraw InstaPay into your Hero Wallet account, then this fee is $3.00.
How long does it take InstaPay to process?
Payment Time Estimate Big 4 Bank Non Big 4 Banks
Banking hours: 9am-5pm Monday-Friday 3-6 hours 4-6 hours
Non-banking hours: Anytime after 5pm and weekends Next business day Next business day


Depending on your banking provider, it can take 1-2 business days for InstaPay to process and appear in your account. This is due to the sending and receiving banks' payment processing.

Why can’t I access InstaPay?
If InstaPay is currently unavailable, this could be for the following reasons:
  • You’re about to leave your current position.
  • You’ve currently taken leave this pay period.
  • You haven’t worked 3 consecutive pay periods.
  • Your organisation is not using EH payroll.
  • You have not accrued any income during your current pay cycle.
  • You do not meet the minimum age requirement of 16 years and older.

Author recommended

After getting to know the features of the Jobs app a little more you will be wondering what I can do next. There are two recommendations I would make on this front and they are:

Was this article helpful?



Article is closed for comments.