Knowledge Base
How can we help?
Answers to common questions about earned wage access, fees, your account, and bringing Dosh to your workplace.
Getting Started
4 questions
Dosh is an earned wage access platform. It lets employees at participating companies access a portion of the wages they've already earned during the current pay cycle, before payday — without taking on debt.
Dosh is available to employees whose employer has partnered with Dosh and set up payroll integration. If your employer isn't yet on Dosh, you can ask them to get in touch with us.
You'll need a valid South African ID number, an active mobile number, a South African bank account, and 3 months of recent bank statements to complete verification.
Most sign-ups are verified within minutes once your ID, bank details, and FICA documents are submitted through the app.
Advances & Fees
5 questions
No. You're only ever accessing a portion of wages you've already earned for work you've already done — not borrowing against future, unearned income. There's no credit check and no interest.
Up to 25% of your monthly salary, accrued day by day across the pay cycle as you work. The exact amount available today depends on how many working days have passed since your last payday.
Dosh charges a flat 10% transaction fee on the amount you request — for example, requesting R500 means R550 is deducted from your pay on payday. There's no compounding interest.
By default you can request one advance per week. Some employers configure a higher weekly limit — check your dashboard to see what applies to you.
The amount you accessed, plus the transaction fee, is simply deducted from your normal pay on your next payday and clearly itemised on your payslip.
Account & Security
4 questions
Yes. Dosh uses bank-grade encryption for every payroll connection and transaction, with strict access controls and full audit trails on every advance.
On the login screen, tap "Forgot PIN?" and follow the instructions sent to your registered email address to set a new PIN.
Open the Dosh app and go to your profile settings to update your cellphone number, email, or address. Banking detail changes may require re-verification for security.
Every earned wage agreement you've signed is available under "My Agreements" in the app, or in the Agreements section of this website once you're signed in.
For Employers
4 questions
Get in touch through our Contact page and our team will walk you through setup — it typically takes minutes to introduce once payroll integration is in place.
No. Offering Dosh as a benefit costs your business nothing to run — Dosh funds advances upfront and recovers them directly from payroll on payday.
No. Dosh connects via a secure, read-only link to your payroll system to track wages as they're earned. Your payroll run proceeds exactly as it always has, with advances simply itemised as deductions.
There's no strict minimum — Dosh is built to scale from small teams to large workforces. Reach out and we'll confirm what's right for your business.
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