Flexible Wages

Early Wage Access or as Onesto refers to it “Flexible Wages” is a voluntary benefit that allows employees to access their earned wages ahead of the regular payday. Companies that use on-demand pay can improve retention, employee engagement, and fill roles faster.

Teacher happy with wage access

9 of 10 employees want EWA


Will switch jobs to get EWA


Will stay longer if offering EWA


Want access to their wages

Early Wage Access is a benefit to the company but also to the staff who need it. More than half of workers in Australia live paycheck to paycheck. Inevitably, they have unexpected expenses that arise or emergencies to cover. Access to their earned but unpaid wages provides them a safety net in such situations, and helps avoid the need for an expensive short-term loan. Employees who feel financially secure are more satisfied with their jobs and less likely to leave for another opportunity. Early Wage Access benefits employers and employees.

How Flexible Wages Works

To take a wage advance using Onesto, an employee needs to have worked, open the app and select the amount they need. Once they confirm, the funds will be immediately sent to the account, if their account is OSKO enabled (and most Australian bank accounts are) money is transferred immediately. 


Early wage access allows employees to take care of unexpected expenses, or to ensure that bills are paid on time.

Play Video

Benefits to Employees

Perhaps most importantly, it allows employees to pay bills on time and take advantage of any discounts that may be available for early payment.

Debt is a major problem for many Australians, and it can be especially difficult to manage on a tight budget. The only way to cover unexpected expenses is to take out a high-interest loan from a payday lender.

Access to wages helps tackle day to day finances without worry. The app also includes free financial learning courses and discounts.

Employees can use their wages to Shop at 85+ of our retailers to get instant cashback on the exact amount of the Shop. This costs the employee nothing, in fact they get paid.

Money is sent instantly at the discretion of the employee, has no interest, there is only a one off transaction fee. Employers have the option on how often employees can advance their wage per pay period.

Onesto fronts the money requested by your employees and is paid back when you process payroll normally. We cater for all employment types from casual to salaried.

Onesto integrates easily with pre-built integrations into your payroll, HR and Time and Attendance, which means getting up and running in no time.

Benefits to Employers

The “Great Resignation” is real and we are all aware of the implications it has for employers on their ability to retain and employ. Companies of all sizes and industries are seeking ways to increase retention and accelerate hiring during a severe and unforeseen labor shortage.


At face value, wages on demand pay may seem like a benefit designed only to better the lives of employees. However, it also provides a unique opportunity for companies to improve their retention rates while making it easier to hire new employees.


Wages on Demand can help employees cover unexpected costs, avoid financial stress, and make ends meet during times of need. In turn, this can lead to increased employee satisfaction and loyalty, both of which are critical for retention. For companies facing the Great Resignation, on-demand pay may be the key to weathering the storm.


The EY Study

A study by EY shows that Wages on Demand can help employees better align their income and expenses. The study found that employees who have access to Wages on Demand are more likely to be able to meet their financial obligations, and less likely to miss payments or incur late fees.


In addition, the study found that Wages on Demand can help employees avoid going into debt, as they are only accessing a portion of their accrued wages, and not borrowing money. Wages on Demand is an emerging trend in the workplace, and the EY study shows that it has the potential to provide significant benefits for employees.


of individuals experince financial stress at least once a year


of individuals expenses were due before pay day


of individuals report major impacts on life and well-being as a result of financial goals