Refyne
Bengaluru, Karnataka, India
What it is
Refyne is an employee financial wellness suite that combines access to accrued pay, financial education, and tools for longer-term planning. Salary On-Demand lets employees withdraw earned salary before payday, with short-term withdrawals deducted from that month’s payroll. Refyne says funds can reach an employee’s account within 60 seconds; larger borrowing amounts require eligibility checks, and withdrawals carry an upfront slab-based fee whose amount is not published. Money Guru offers one-to-one sessions with SEBI- or CFP-authorised financial advisers, free to employees at partner companies. The Personal Finance Manager provides 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. Access is through an employer partnership, not individual sign-up. Employers may offer benefits at no cost, while employees pay transaction fees when accessing funds. Refyne is available on Android, iOS, and web, as well as WhatsApp, and supports 11 regional languages. Pricing is on request.
For and against
For
- Salary access is available before payday.
- Money Guru sessions are free at partner companies.
- Personal Finance Manager includes budgets and expense goals.
- Supports 11 regional languages.
- Available through Android, iOS, web, and WhatsApp.
Against
- Individuals cannot sign up directly.
- Employees pay a transaction fee to access funds.
- Fee amounts are not published.
- Larger borrowing amounts require eligibility checks.
The verdict
Refyne brings salary access, adviser sessions, and finance tools together for employees at partner organisations. Individual access depends on an employer partnership, and employees pay an undisclosed transaction fee when withdrawing funds.
Who it suits
Refyne is for employees whose organisations offer the platform, and for employers considering financial wellness benefits for on-roll or off-roll workers. Its tools address users seeking earned-pay access, financial guidance, or personal finance features.
On the record
- 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.refyne.co.in · read 3 Oct 2026
- Company history
- Refyne says it launched Salary On-Demand in 2021 to give employees access to earned wages when needed.refyne.co.in · read 2 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.refyne.co.in · read 3 Oct 2026
- Eligibility limit
- Individuals cannot sign up directly; Refyne benefits are offered through an employer partnership.refyne.co.in · read 2 Oct 2026
- Employer costs
- Refyne says employers can offer the benefits at no cost, while employees pay an upfront slab-based transaction fee when accessing funds.refyne.co.in · read 3 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.refyne.co.in · read 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.refyne.co.in · read 3 Oct 2026
- Financial coaching
- Money Guru offers personalized one-to-one sessions and group interactions with SEBI-certified financial advisors.refyne.co.in · read 3 Oct 2026
- Integrations
- Refyne supports automated API integrations and can use employer, employee, salary, and attendance information for eligibility and salary calculations.refyne.co.in · read 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.refyne.co.in · read 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.refyne.co.in · read 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.refyne.co.in · read 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.refyne.co.in · read 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.refyne.co.in · read 2 Oct 2026
- Salary access speed
- The product page says employees can access accrued salary in 30 seconds with a single click.refyne.co.in · read 3 Oct 2026
- Salary On-Demand
- Employees can access accrued salary before payday; larger borrowing amounts require eligibility checks.refyne.co.in · read 3 Oct 2026
- Savings and protection
- Products listed include gold savings, pocket insurance, Salary Protect, and a savings account.refyne.co.in · read 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.refyne.co.in · read 3 Oct 2026
