ATM Instant Cash™ & Rewards
Earn, Budget, Save & Access Cash*
*Eligibility is based on review and approval. Not all applicants will be eligible for ATM Instant Cash™. Transfer fees may apply.
An App Designed to Put More Money in Your Pocket
ATM Instant Cash™
Get Cash Straight to Your Bank
Access cash quickly when unexpected expenses arise. No interest. No credit check. We're not a bank or a lender—just a smarter way to manage your finances.
Avoid Overdraft Fees
Help shield yourself from costly overdraft fees with quick access to emergency funds when you need them most.
Only $3.99/month
Unlock hassle-free cash access as a member. With just one low monthly fee, you gain continuous access to cash without the need for repeated applications. Membership puts financial control at your fingertips.
*Eligibility is based on review and approval. Not all applicants will be eligible for ATM Instant Cash™. Transfer fees may apply.
Rewards & Cashback
At ATM.com, we make it easy for you to earn extra cash while managing your finances. Discover the rewarding opportunities that fit seamlessly into your life:
- Game Rewards
Turn your gaming time into real money. Play popular games like Coin Master, Solitaire, and more, with the potential to earn up to $250 a month. It's fun, easy, and rewarding. - Paid Surveys
Share your opinions and earn! With quick and easy surveys that pay between $0.03 and $5.00 each, it's a simple and consistent way to boost your income. New surveys are added weekly. - Cashback Offers
Save money on your everyday purchases with cashback from over 500 verified partners. Whether you're buying groceries, fashion, or electronics, earn cashback effortlessly and grow your savings. - Location Rewards
Earn money passively by enabling location sharing. As you go about your day, you'll earn cash rewards just for visiting stores, making it one of the easiest ways to increase your earnings. - Daily Rewards
Get rewarded daily by answering a few quick questions. It takes less than a minute, and nearly a million users are already benefiting from this convenient daily earning opportunity.
ATM.com is designed to help you earn and save in ways that fit seamlessly into your lifestyle. Download the app today and start making the most of your time and money!
How to start with ATM Instant Cash™
- 1
Apply in minutes
See how much of an advance you qualify for with no credit check, just by linking the bank account where you receive income.
- 2
Request advance
You have options when it comes to how much you take. We target an amount you can pay back without setting you back.
- 3
Cash out and spend
Your cash advance will arrive to your card within seconds. Spend it however you like.
- 4
Repay and request another
You agree to a settlement date when you take the advance*. We don't charge interest or late fees, so settling up won't come with surprises.
*Eligibility is based on review and approval. Not all applicants will be eligible for ATM Instant Cash™. Transfer fees may apply.
How members are using ATM Instant Cash™
Where quick advances can make a difference.
Food & Groceries
Housing & Utilities
Auto & Transport
Medical & Healthcare
Track your spending and boost your savings
Take control of your finances with detailed insights into your spending habits. Our budgeting tools help you monitor your expenses month over month, categorize your spending, and identify opportunities to save more. Whether it's cutting down on unnecessary costs or setting up personalized budgets, you'll have everything you need to help boost your savings and achieve your financial goals.
Personal Finance
30 day free trial, then $3.99/mo
- Access* to ATM Instant Cash™
- Spending & cashflow insights
- Budgeting
- Subscription & bill tracking
- Low balance alerts
- 1 monitored account
Personal Finance +
$7.99/mo
- Everything in Personal Finance
- Unlimited monitored accounts
- Custom categories
- Transaction export
- Real-time transaction sync
Achieve your financial goals with ATM!
Enjoy a free 30 day trial and cancel anytime!
*Eligibility is based on review and approval. Not all applicants will be eligible for ATM Instant Cash™. Transfer fees may apply.
Got questions?
We've got answers to help you out.
Testimonials
We've helped millions of people get more money!
Games and Surveys
I have cashed out $50 in the first month playing games and doing surveys
Thanks
They gave me 25$ when I was really in a mess. Thanks ATM instant cash!
Delivers
This app is AMAZING! It doesn't have a lot of red tape and PROMISES, it just DELIVERS!
Legit
There's a lot of options to make money, but I'm still waiting on my payout, or it would be five stars..TBC Well that very same day, my money reached my account and have had two more deposits since..and to be true to my word... 5 stars
Best App
This is the best app I have ever used to make money. They pay out and it's not difficult to cash out! Update.... it's still the best and easiest app to use for making money!
Fun & Easy
It's straight forward. Made easy. Why not have some fun & make some cash. 💯💰💰
Fun & Educational
I'm actually having fun with this app. I am also being introduced to some apps that are extremely useful.
Great App!
It's a great app that allows you to earn a small amount of passive income and you can even invest that earned money in the market. Lets grow this together! 🐜💪💯
Love the ant colony
I love being part of the ant colony, it save a little extra cash for small items that you might need like toiletries and showering.
A lot of opportunities
There are so many opportunities to earn money from engaging with their partners and some of the rewards are very generous.
This is the best app
I've tried several different apps and services that pay incentives for accepting brand offers, ATM is by far the best.
I love ATM
I love what ATM is trying to do here; and I'm excited to see where we end up!
Educational
It's a great app! It really break things down so you can understand and it goes in depth on what you should do. So I'm my opinion just give it a shot cuz you only live once.
Actually good app
I earn about $1.50 a week. Sure, it doesn't sound like a lot, but it adds up, and I get introduced to new brands, and the layout is user-friendly, what's not to like? It's very easy and fun.
Easy to use
I'm very happy with the app. I've been using it for about 4 months & made a bit over $43.00. I'm just letting it accumulate for now. I think it's the easiest app to make money I've come across.
Join millions of users and take control of your finances.
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