lower employee turnover
Keeping experienced people can reduce recruitment, onboarding and replacement costs.
EARNED WAGE ACCESS · BUILT FOR GREECE
Life doesn’t wait.Neither should your people.
Give your team access to a portion of their earned pay before payday. Support your people, strengthen retention and make extra shifts more rewarding.
Their choice. Your payday stays the same.
For the people behind every shift.
A little more flexibilityWhen life needs it.
THE BUSINESS CASEPUBLISHED EWA MARKET EVIDENCE22% PUBLISHED EWA MARKET EVIDENCE12%
Keep your people. Fill more shifts.
Two goals with real commercial value: fewer people leaving and more willingness to pick up extra shifts when access to earnings comes sooner.
more shifts filled
Earlier access to earnings can make an extra shift more attractive and help teams cover their rota.
Published earned wage access provider results, source checked 8 September 2026. External benchmarks, not a market-wide average or a guarantee of Flow results. Sample, period and causal methodology are not specified alongside the figures. Results in Greece may differ. View source ↗
EXPLORE YOUR OWN SCENARIO
What could that mean for you?
Adjust the assumptions. Starting business figures are illustrative and improvement rates are editable.
ILLUSTRATIVE ANNUAL SCENARIO€26,400
potential saving from fewer replacements, before Flow costs
17.6fewer replacements / year
+144filled shifts / year
Calculation: employees × turnover × relative reduction × replacement cost. Shifts: monthly baseline × uplift × 12. This is not a forecast, net ROI or combined savings total.Talk through your scenarioShifts change. Life keeps happening.
A bill. A repair. An unexpected expense. Flow helps bridge the time between doing the work and getting paid, with access to money already earned.
A LITTLE LOOK AT FLOW
SIMPLE FOR YOUR PEOPLE
Already earned.
Available earlier.
Your team can access part of the pay they’ve already earned, before payday. They choose when they need it, straight from the Flow app.
- 01
See what’s available
As approved earnings build up, the app shows how much they can access within your company’s limits.
- 02
Choose an amount and confirm
They choose what they need and see the withdrawal fee and total payroll deduction before confirming.
- 03
Receive it in their bank account
Flow funds the advance and sends it to their existing bank account. Transfer timing depends on their bank.
Your payday stays the same. The advance and fee are deducted through payroll, and your business repays Flow as agreed.
Withdrawals are available within the displayed balance, while the pay period is open and before its withdrawal cutoff.
GOOD FOR PEOPLE. SIMPLE FOR BUSINESS.
More support. Same payday.
A practical addition to your benefits, with a clear process from the first shift to payday.
Support that feels relevant
Give people an option when an expense arrives before their pay does.
Your existing pay cycle
Flow funds the withdrawals. Scheduled repayment falls on your payday.
Visibility and control
Agreed limits, recorded withdrawals and a clear breakdown of principal and fees.
FROM SHIFT TO PAYDAY01 02 03 See what setup involves
Three steps. One clear process.
Work is recorded
Confirmed hours and earnings determine the available amount.
Your employee chooses
They see their available earnings, choose an amount and review the fee before confirming.
Payday stays on schedule
Flow funds the withdrawal. Your business repays on the agreed payroll date.
BUILT AROUND REAL WORK
Frontline people. First-priority benefits.
Hotels · Restaurants · Cafés
Hospitality
For the people who make every welcome matter.
Flow for your teamStores · Supermarkets · WarehousesRetail
A meaningful benefit, from shop floor to stockroom.
Flow for your teamClinics · Care homes · Support teamsHealth & care
Looking after the people who look after others.
Flow for your teamDoes our payday change?
No. Flow’s model funds employee withdrawals and collects repayment from the employer on payday. The corresponding payroll adjustments are agreed with your payroll team before launch.
What does it cost?
Pricing and who covers the fees are agreed with each employer. Employees always see their fee before confirming. The example on this site is illustrative, not a commercial offer.
How much can an employee access?
Only a portion of confirmed earnings, within limits agreed with the employer. Previous withdrawals and fees reduce the available balance. The service does not provide access to future earnings.
Will the money arrive instantly?
The aim is delivery in seconds where SEPA Instant is supported. Timing depends on the receiving bank and payment route. Instant arrival is not guaranteed.
Do employees need a new bank account?
No. Flow pays existing EUR bank accounts using an IBAN. Employees do not need a Revolut account.
Will it work with our systems?
We first check how your system exports employee details, approved hours and pay rates. Depending on the system, we assess API access or secure files. Compatibility is confirmed before onboarding.
A GOOD NEXT STEP
Give your people a little more freedom.
Let’s talkLet’s find out if Flow is right for your team.