Wagestream’s mission is to provide fair financial services to every frontline worker.

We believe our mission is what differentiates us from other credit card providers.

Unlike other credit card providers, we don't make lending decisions based solely on your credit history. Instead, we utilise open banking to gain a better understanding of your finances. This allows us to offer fairer credit that is based on your financial behavior.

Every transaction made with your Wagestream card, as well as the activity in your linked accounts, contributes to our underwriting technology. This enables us to help you comprehend how your spending aligns with your life goals and helps build your credit knowledge. As your financial status changes, your credit will adjust accordingly.

Not only that, but we provide you with the tools to control your spending and have the ability to deduct repayments directly from your salary to prevent falling into debt.