What is the cost to use myFlexPay?

The Stream app is free to download and use.

Most features in Stream are free. The only optional cost is a small fee 
if you choose to use Instant Transfers for immediate access to your pay.

Transfer Fees:

  • Standard Transfers: Free of charge
  • Instant Transfers: A small flat convenience fee applies per transfer

Our Fairness Promise: We’ve got your back. If your fees ever exceed our fair use policy, we’ll automatically refund the difference on payday. Everything is crystal clear on your statement

What is included for free?

Your Stream account comes with a suite of free financial tools:

  • Track your earnings: See your daily wages in real-time.

  • Budgeting Tools: Plan ahead and stay on top of upcoming bills with our calendar and automated notifications

  • Financial Wellness: Access expert education to help you reach your goals.

Feature availability may vary depending on your employer’s specific partnership with Stream. If you don't see a feature listed above in your app, it may not be enabled for your organization.

© 2025 Earned Wage Access services in the United States are provided by Stream Platforms, Inc. (NMLS #2547041), the operator and manager of this website. Stream Platforms, Inc. is a wholly owned subsidiary of Stream Group Holdings Ltd, and an affiliate of Stream Platforms Ltd. Stream Platforms Ltd is the owner of all intellectual property rights on this site, and in all material published on it. All rights are reserved. Stream Platforms Ltd is a company registered in England and Wales (number 11173225) and registered with the Financial Conduct Authority (FCA).

Stream is a financial technology company, not a bank. Banking services provided by Piermont Bank; Member FDIC. Your funds are FDIC insured up to $250,000 through Piermont Bank; Member FDIC.