Fuego: On-Demand Pay
Your money, when you need it
Only for iPhone
Free
Fuego by Fourth is an on-demand payment app that allows you to access your tips electronically and draw a portion of your earned pay before payday. Plus, with the Fuego Visa® Card, you can get your on-demand pay at no cost.
MAKE ANY DAY A PAYDAY
Get early access to your pay right after you earn it. Earned wages are available within 24 hours of completing a shift.
TAKE STEPS TOWARD FINANCIAL FREEDOM
Set savings goals and see earning potential by viewing earned and scheduled pay and by keeping tabs on spending patterns. Pay bills on time, avoid any late fees on expenses, and take control of your finances. Fuego can help you manage your money while making payday loans a thing of the past.
MOBILE BANKING
With Fuego’s mobile banking1 solution, you can transfer funds to any account number, search for nearby surcharge-free ATMs, search for cash load locations with Visa ReadyLink2, temporarily freeze your Fuego Card in the case of theft or fraud and activate your card and set your PIN – all within the app3. Plus, by adding your card to your phone’s digital wallet, you can make purchases via Apple Pay® or Google Pay™. Fuego helps to make online banking easy, with no credit check4 required when you enroll. There are no inactivity fees, no cost to set up, no fees associated with wage draws, and you can access your pay up to two days early5. Plus, the Fuego Card is protected by Visa’s Zero Liability Policy.
For more information, visit getfuego.com.
Fourth is a technology company, not a bank. Banking services provided by Central Bank of Kansas City, Member FDIC.
Service fee up to $4.95 applies. Subject to cardholder load limits.
Standard data rates from your wireless service provider may apply.
This is not a credit card; no credit check is required. Approval subject to successful ID verification
For you to be paid early, your employer or payment provider must submit the deposit early. Your payment provider may not submit the deposit early each payment period, so ask when they submit your deposit information to the bank for processing. Early funds deposit begins on the 2nd qualifying deposit, which is defined as a direct deposit greater than $5.00 received from the same payer.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.
The Fuego Visa Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the fee schedule at www.getfuego.com/legal. If you have any questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free 24/7/365 at 1-855-715-8518.
©Fourth Enterprises LLC. All rights reserved. Fourth and the Fourth logo are registered trademarks of Fourth enterprises, LLC. This content is for informational purposes only. Fourth makes no warranties, express or implied, with respect to the content of this document.
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I get all my tips now in fuego and transfer them over to my main bank account to pay my rent, car, phone, credit card etc. Much easier to manage than getting cash nightly and having to organize and track it and go to the bank to deposit it to pay off big things that I can’t use cash with. Easy to track amount of tips in the app so I can track my finances better.
Developer Response So glad Fuego makes it easier to control your finances with digital tip-payout!
I get all my tips now in fuego and transfer them over to my main bank account to pay my rent, car, phone, credit card etc. Much easier to manage than getting cash nightly and having to organize and track it and go to the bank to deposit it to pay off big things that I can’t use cash with. Easy to track amount of tips in the app so I can track my finances better.
So glad Fuego makes it easier to control your finances with digital tip-payout!
Definitely reduce the stress, knowing that if I work eight hours, I have about 100 bucks the next day to use
Definitely reduce the stress, knowing that if I work eight hours, I have about 100 bucks the next day to use
I am so frustrated that my job started using a broken app to pay us our tips. I have used it for 10 shifts now and it has only paid me out the correct amount 1 time. And I’m still missing tips from over 1 week ago. This app needs to get taken off the App Store cause it’s legitimately robbing people of their money. And to top it all off unless you sign up for their lame debit card you get charged to access the money you worked hard for. If your job starts using Fuego just save yourself the headache and quit and find another job.
Developer Response We're sorry you're not having a good experience using Fuego. Tips paid out to the Fuego Visa® Card are always fee free. We rely on accurate tip information from your employer to be able to pay out the correct tip values. If you reach out to us via the chat in the Fuego app or call us on 1-855-715-8518 we'd be really happy to look into this for you
I am so frustrated that my job started using a broken app to pay us our tips. I have used it for 10 shifts now and it has only paid me out the correct amount 1 time. And I’m still missing tips from over 1 week ago. This app needs to get taken off the App Store cause it’s legitimately robbing people of their money. And to top it all off unless you sign up for their lame debit card you get charged to access the money you worked hard for. If your job starts using Fuego just save yourself the headache and quit and find another job.
We're sorry you're not having a good experience using Fuego. Tips paid out to the Fuego Visa® Card are always fee free. We rely on accurate tip information from your employer to be able to pay out the correct tip values. If you reach out to us via the chat in the Fuego app or call us on 1-855-715-8518 we'd be really happy to look into this for you
Everything works pretty good. I like the app but the only thing it’s the users need a version for Another devices, if you see the apps for the banks are available across all the devices, Apple Watch, iPad Mac, and if you want more users on this app, you showed the same. If that happened. I will change it for five stars.
Everything works pretty good. I like the app but the only thing it’s the users need a version for Another devices, if you see the apps for the banks are available across all the devices, Apple Watch, iPad Mac, and if you want more users on this app, you showed the same. If that happened. I will change it for five stars.
Tips, explained:
- Tips Breakdown is now available for organizations using Tip Pooling.
- See how your tips are calculated and shared, all in one place.
3.25.0 12/19/2025
Forecast, Meet the Past!
Your Earnings Forecast feature now includes historical views. Jump to earlier dates, check past earnings, and uncover long-term patterns with ease. Update the app to start exploring your earning history!
3.24.0 11/27/2025
Fewer typos, smoother sign-ups: We’ve added a “re‑type password” step during registration to help catch mistakes before they happen. Less oops, more access.
Smarter card linking: When you link an external card, we now run a quick pre‑verification to check if payments can be sent to it. Even if the card can’t receive payments yet, linking still completes—so you can sort it out without starting over.
3.23.0 10/20/2025
Transaction Taps Just Got Smarter
- Get straight to the info you need with one simple tap. Tap any transaction in Cards tab to see its details instantly!
3.22.0 09/22/2025
- Set it and didn’t forget it? Now you can rewind a scheduled payment — shift the date, tweak the amount, fix the memo, or cancel it outright—before it goes out. Fewer oops, more control, all in a couple of taps.
3.21.0 09/08/2025
- Smoother user experience when applying for Fuego Paycard
3.20.1 08/27/2025
- Secure Your Profile with Biometric Login! We’ve added biometric scan (fingerprint/face recognition/pin) for quick and secure access to your profile. Your security, upgraded!
3.20.0 07/29/2025
- Bug Fixes & performance Improvements
3.19.0 07/09/2025
Transfer Money Just Got Smarter!
Now you can schedule your transfers to happen on a future date. Plan ahead, stay organized, and never miss a beat with our new date-select feature!
3.18.0 07/03/2025
- Introducing scheduled transfers for Fuego Cardholders! Plan your money movement in advance to pay a bill or transfer funds on a set date. Set it and forget it! Create the transfer when its convenient for you and benefit from improved transfer screens for better visibility and user experience.
- Minor bug fixes to keep everything running flawlessly
3.17.0 06/23/2025
- Enhanced performance for quicker responses
- Improved stability for a seamless journey
- UI tweaks to make navigation even easier
- Bug fixes to keep everything running flawlessly
3.16.0 06/11/2025
- Enhanced features to elevate your experience
- Faster, smoother performance
- Squashed pesky bugs for a seamless journey
3.15.0 05/27/2025
Enhanced Security for Your Accounts!
Linking your bank or card now requires a one-time password (OTP) verification via text message. Simply enter the OTP you receive to complete the process—extra security, extra peace of mind.
3.14.0 05/07/2025
Bug Fixes & performance Improvements
3.13.1 04/17/2025
Get ready for a smoother ride! In this update, we’ve rolled up our sleeves and fine-tuned the engine behind your favorite app. Here’s what’s new:
- Performance Overhaul: Experience lightning-fast loading times and seamless navigation—because waiting is so last season!
- Bug Exterminator: We’ve squashed pesky bugs to enhance your experience. Say goodbye to glitches and hello to smooth sailing!
- New Widget Alert: Stay on top of your schedule with our brand-new widget! Access your Upcoming Shifts at a glance right from your home screen. Quick, convenient, and designed to keep you organized!
3.13.0 04/11/2025
Exciting Update: Fresh Look, Enhanced Insights! We’re thrilled to unveil a brand-new design for your My Pay in Fuego Here’s what’s new:
- Sleek & Stylish Interface: Enjoy a fresh, modern look that makes navigating your finances a breeze!
- Transparent Earnings View: Get a clearer picture of your financial earnings at a glance, so you’re always in the know.
- Upcoming Shifts at Your Fingertips: Stay organized and never miss a beat with easy access to your upcoming shifts.
- Estimated Earnings Simplified: Plan ahead with our new feature that provides estimated earnings for your pay period—now you can budget with confidence!
3.12.0 03/31/2025
More Insight Into Your Earnings!
- Get ready to take control of your income with our latest update!
- Daily Breakdown: Now you can see a detailed, day-by-day breakdown of your hours, tips, and Fuego payouts!
- Transparent Calculations: Understand exactly how your earnings add up with clear calculations that leave no room for doubt.
- All-In-One Dashboard: Access all the information you need in one convenient place!
Don’t miss out on maximizing your earnings—update now and see the difference!
3.11.0 12/10/2024
- Direct Deposit Selection: If you have more than one Fuego Card, a handy pop-up will let you choose your preferred card for direct deposits.
- Streamlined Experience: Enjoy a seamless process that makes managing your money easier than ever!
3.10.0 11/26/2024
Invite & Ignite:
- Introducing the power of invitation codes! Seamlessly add a new employer to your Fuego account with just a few taps.
Unlink with Ease:
- Need to make changes? You can now effortlessly unlink your Fuego Paycard whenever you need.
Stay Informed:
- Never miss a beat with our enhanced push notifications. Get detailed updates on your Tip Payouts and keep track of your earnings like a pro!
3.9.0 11/11/2024
What’s new?
- Fuego Card: Get ready to feel the heat! Now you can view all the details of your Fuego Cards via Linked Payment Accounts
- Direct Deposit: Now Active via Onboarding: Stay up to date with the latest state of your Direct Deposit enrolment
- We’ve also polished the app with performance improvements and squashed some bugs to keep things running smoothly
3.8.0 10/29/2024
Smoother Tips & Payment Flow! Redesigned Tip Settings:
- Simple and sleek Tip settings quick, easy access for a quick and easy access
Set a Minimum Tip Payout:
- Take control of your tips! Check it out in the Tips Details section!
Add Your Fuego Paycards:
- Got a Fuego Paycard but haven’t linked it yet? No problem for Fuego, check it in Linked Payment Accounts section
3.7.0 10/14/2024
Stay on Time, Every Time!
- Time Stamps on Transactions: Now track your activity with precision! Every transaction is now stamped with the exact time, giving you greater clarity and control.
- Refreshed Linked Accounts: We’ve improved the way your linked payment accounts sync! Enjoy faster, more seamless updates for all your connected accounts.
3.6.0 09/24/2024
Smooth Sailing Ahead!
- We’ve made some under-the-hood tweaks to keep your app experience flawless.
3.5.0 09/11/2024
- Small Tweaks, Big Gains: We’ve made some behind-the-scenes improvements for a better user experience. Update today!
3.4.0 08/29/2024
Speed and Reliability:
- This update brings a host of optimizations and tweaks to keep your app running at peak performance. Get ready for a zippier experience!
3.3.0 08/12/2024
Tips, explained:
- Tips Breakdown is now available for organizations using Tip Pooling.
- See how your tips are calculated and shared, all in one place.
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Version 3.25.0 12/19/2025
Data Linked to You The following data may be collected and linked to your identity:
Financial Info Contact Info 