EarnIn lets you access your earnings in minutes. If you choose to use Lightning Speed, money arrives within 30 minutes, even on weekends and holidays.
If you select the fee-free standard speed option, your money will arrive in your bank account within 1-2 business days (depending on the time and day of the transfer).
Here’s how long your transfer will take to arrive:
| Type | Day | Transfer Time | Arrival Time |
| Lightning Speed | Weekdays | Any time | Same day (within 30 minutes) |
| Lightning Speed | Weekends and Holidays | Any time | Same day (within 30 minutes) |
| Standard Speed (ACH) | Weekdays (morning) | Before 9:30 a.m. PT (12:30 p.m. ET) | Same day (evening) |
| Standard Speed (ACH) | Weekdays (mid-day) | Approximately 9 a.m - 5 p.m. PT (12 p.m. - 8:00 p.m. ET) | Next business day (morning) |
| Standard Speed (ACH) | Weekdays (evening) | After 5 p.m. PT (8 p.m. ET) | Next business day (evening) |
| Standard Speed (ACH) | Weekends and Holidays | Any time | Next business day (evening) |
Exact transfer speeds are impacted by other factors such as your bank, bank connection, and other account signals.
Upgrade transfers to Lightning Speed
If you selected the standard speed option but want your money faster, upgrade to Lightning Speed!
Find the transfer confirmation tile on your home screen, and tap “Get it sooner”
Fees and restrictions apply to use Lightning Speed. Lightning Speed may not be available at all times. See EarnIn Cash Out User Agreement.