Is EarnIn down or not working today?

You entered a wrong password too many times

After more than six invalid passwords, the account is temporarily locked for 30 minutes.

• Try again after 30 minutes.

Login fails or shows errors

• Check that your phone's operating system and the EarnIn app are on the latest version.
• If you have a VPN enabled, turn it off and try again.

The one-time password (OTP) text doesn't arrive

• Check that EarnIn's messages aren't being blocked on your phone.

Your phone number changed

• Contact EarnIn support.

'Invalid Credentials' although your bank login is correct

The issue may be temporary: your bank may have an outage or an authentication issue that prevents EarnIn from connecting.

• Wait a little while and try linking your account again.
• Check that the same credentials work in your bank's app or website, typed manually without a password manager or autofill.

If that does not work: Take a screenshot of your bank's home screen with the URL visible and contact EarnIn chat support, who file a ticket with Plaid for you.

The bank balance shown in the app is wrong or late

Banks don't provide real-time information through EarnIn's bank information partner; it refreshes automatically through the day.

• Pull down on the Home screen to refresh.

You reached a limit

Depending on your state and other factors, your daily limit is $100 or $200; it resets the following day. Your pay period limit ($50–$1,000) resets after your next payday.

• Wait for the daily reset or your next payday.

EarnIn can't verify that you're working

EarnIn uses GPS signals to determine if you're working.

• Confirm that the app's location permissions are enabled.

EarnIn's debit has posted to your bank but you still can't transfer out

• Contact support to verify the debit manually.

Conditions: If your bank balance is below -$100, you can't transfer out until it is above that threshold.

Your transfer hasn't arrived

Lightning Speed: allow up to thirty minutes. Standard speed (ACH): the funds arrive in 1-2 business days.

• Go to the Activity tab of the app to see whether it was sent by standard speed (ACH) or Lightning Speed.

Your Lightning Speed transfer failed

Common reasons: your debit card is expired, locked or being replaced, or the bank account is inactive.

• If you received a replacement debit card, activate it and add it in the app.
• Retry as a standard speed (ACH) transfer for free.

If that does not work: If the transfer is processing for more than 30 minutes, contact customer support.

The app crashes

• Make sure your phone and the EarnIn app are updated to their latest version.

Before the next step: make sure you know your login details; downloads and settings saved only on this device may be lost.

• On iPhone: uninstall the app and re-install it from the App Store.
• On Android: in Settings, Apps, EarnIn, Storage, tap 'Clear Storage' (or 'Clear Data') and confirm: this deletes the app's data on your phone.

A transaction on your EarnIn Card is incorrect or unauthorized

• Contact EarnIn's 24/7 community advocates in the app with the date, amount, merchant name, reason and any receipts or emails.

Conditions: You must notify the card issuer of a billing error within 60 days from when the statement containing it was sent.

You need help quickly

EarnIn offers 24/7 in-app chat support; chats are saved and don't get disconnected.

• Open the EarnIn app and contact chat support, or sign in at earnin.com to chat online.

You hold an EarnIn Card

• Call +1 888-537-9883.

Conditions: This line is reserved for EarnIn Card holders and does not handle general inquiries.

A general, non-urgent question

• Email care@earnin.com.