Dosh
Bloemfontein, South Africa
What it is
Dosh is an earned wage access platform for employees of participating companies, letting them request part of the pay they have already earned before payday. It connects to an employer’s payroll system and tracks accrued wages through the pay cycle. Eligible employees can access up to 25% of monthly salary, with one advance per week by default; an employer may set a different limit. Dosh charges a flat 10% transaction fee on the amount requested. The accessed amount and fee come out of normal pay on the next payday and appear as a payslip item. For example, a R500 request means R550 is deducted on payday. Approved funds go 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 to work for a Dosh partner with integrated payroll. Sign-up requires a South African ID, active mobile number, bank account details, and three months of recent bank statements. The Android app is available on Google Play; Dosh says iOS is coming soon. The company says it does not sell personal data and uses encryption, access controls, and audit trails.
For and against
For
- Access up to 25% of monthly salary
- Payroll connection tracks wages as they accrue
- Approved funds can arrive within minutes
- No credit check or interest, according to Dosh
Against
- Only employees of participating companies are eligible
- A flat 10% fee applies to each requested amount
- One advance per week is the default
- The Android app is available; iOS is coming soon
The verdict
Dosh offers eligible employees a way to request some accrued wages before payday, with the advance and fee deducted from their next pay. Check employer eligibility, the 10% transaction fee, and the required sign-up documents before applying.
Who it suits
Dosh suits employees at companies partnered with the service whose payroll is integrated and who want access to earned wages before payday. Applicants should be ready to provide a South African ID, mobile number, bank account details, and three months of bank statements.
Plans and prices
Employee wage access
Up to 25% of monthly salary · One advance per week by default; employers may configure a different limit
Read 5 Oct 2026 · dosh.co.za
On the record
- Advance fee
- Dosh charges a flat 10% transaction fee on the amount requested.dosh.co.za · read 4 Oct 2026
- Android app
- Dosh says its app is available on Google Play; its homepage says iOS is coming soon.dosh.co.za · read 5 Oct 2026
- Available wages
- Employees can access up to 25% of their monthly salary, accrued as they work through the pay cycle.dosh.co.za · read 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.dosh.co.za · read 5 Oct 2026
- Employer cost
- Dosh says offering the benefit costs the business nothing, as Dosh funds advances upfront and recovers them through payroll.dosh.co.za · read 5 Oct 2026
- Employer scale
- Dosh says it has more than 100 employers offering the benefit.dosh.co.za · read 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.dosh.co.za · read 5 Oct 2026
- Not a loan
- Dosh says wage access is not a loan and involves no credit check or interest.dosh.co.za · read 5 Oct 2026
- Payout
- Approved funds are sent to the employee’s bank account or mobile wallet, often within minutes.dosh.co.za · read 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.dosh.co.za · read 5 Oct 2026
- Platform availability
- The Dosh app is available on Google Play; the site says iOS is coming soon.dosh.co.za · read 4 Oct 2026
- Privacy
- Dosh says it does not sell personal data and protects it with encryption, access controls, and secure infrastructure.dosh.co.za · read 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.dosh.co.za · read 4 Oct 2026
- Repayment
- The amount accessed plus the transaction fee is deducted from the employee’s next payday and itemised on the payslip.dosh.co.za · read 5 Oct 2026
- Security
- Dosh says it uses bank-grade encryption, strict access controls, and audit trails for advances and transactions.dosh.co.za · read 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.dosh.co.za · read 5 Oct 2026
- Support
- Dosh lists technical support at +27 (0) 83 677 4018 and [email protected].dosh.co.za · read 5 Oct 2026
- Weekly limit
- By default, employees may request one advance per week, though an employer can configure a higher limit.dosh.co.za · read 4 Oct 2026
