Dosh review
A focused EWA option with payroll integration, live earnings visibility, and bank transfers.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Dosh is an earned wage access platform for employees of participating employers in South Africa. It connects with employer payroll systems to track wages as they are earned, then lets employees request part of their accrued pay before payday. The employee mobile app provides earnings visibility, advance requests, fee disclosures, and transaction history. Dosh is aimed at employers that want to offer payroll advances through a focused employee benefit rather than a broad workforce-finance platform.
The pricing model is straightforward: employers pay nothing to offer the benefit, while employees are charged a flat 10% transaction fee on requested advances. The accessed amount and transaction fee are deducted through payroll on the next payday. Employees can see fee and repayment breakdowns, advance and repayment transaction history, payroll deductions, and payslip itemisation. This gives both sides a clear view of how an advance affects the next payroll cycle.
Dosh’s core workflow combines payroll integration, real-time earnings tracking, mobile advance requests, and instant transfers to a bank account. Its platform coverage includes web and Android, while its integration focus is employer payroll systems. That narrow scope can suit employers seeking a direct EWA benefit with clear repayment handling, but organisations looking for broader integrations or a wider feature ecosystem should consider alternatives. Dosh is the better fit when payroll connectivity and employee transaction transparency matter more than extensive platform breadth.
Dosh pros and cons
- Where it wins
- Connects earned wage access to employer payroll systems
- Shows real-time earnings, fees, repayments, and transactions
- Supports mobile advance requests and bank-account transfers
- Where it doesn't
- Employees pay a flat 10% fee on requested advances
- Available only to employees of participating employers
- Integration scope centers on employer payroll systems
Dosh fact sheet, pricing and score →
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