Your pay, your way!
Azucko is a mobile App that gives you flexibility in how you obtain your pay. It’s instant access to the money you have already earned.
You can track how much you have earned each week or month and can then access a portion of this income, when suits you.
How Azucko can help you
We all live busy lives and life doesn't always wait around for payday. Sometimes it's useful or necessary to access some income before the end of the month or take your pay when suits you - rather than in one lump sum - to enable you to deal with life's everyday challenges.
Getting started is easy
- Your employer will send you an email with all the information you need
- Download the App from the App Store or Google Play
- Just a few clicks to set up and verify your account
Then you're set up and ready to go.
Now you can see how much is available to draw down from the salary you've earned each month. Any salary drawn early will be in your bank account the following day. Also, use the other services to track and manage your expenses, help you manage/pay your key monthly bills, proactively save for that car or holiday, set reminders and much more.
Frequently Asked Questions
No. Azucko works by giving you access to some of the money you've already earned. You're just deciding to draw down a portion of your money before payday.
There's no interest charged. Azucko’s income access service is not a loan or credit facility, you're simply accessing a portion of what you have earned before your normal pay day.
No. There's no need for a credit check with Azucko as this is not a loan or credit facility.
No. Azucko is not a loan or credit facility, and therefore your credit rating does not impact use of the App. If your employer has joined up with Azucko and invited you to take advantage of it, you may use any and all of Azucko’s tools and services.
No. Azucko does not use credit checks. It is not a loan or a credit facility. To help you with your financial management, you can find impartial advice within the information centre on the Azucko App.
Using Azucko’s income access service means your end of month pay will be reduced by any amount you have already accessed that month before pay day. For example, you might take €250 of your monthly take-home pay two weeks early - and that money, plus the transaction fee, will be deducted of your net pay then at the end of that month.
No. It's not a loan. You are simply accessing income you have earned, before your normal pay date. This amount will then be automatically deducted from your net wage at the end of the month.
You don't repay the money. Any monies accessed by you is deducted from your net monthly pay.
No. There's no lending or credit involved and no interest charged.
How does Azucko
know the hours I've worked?
Azucko is fully integrated with your employer's Payroll/Time & Attendance system and therefore will be updated by your employer with your hours worked and pay earned each week.
Once your employer uploads the company logs to the Azucko portal, this will be reflected in the App.
Your employer records your hours, regardless of if they are irregular or not. The file that your employer records your hours on, is uploaded into the Azucko system, after they have been approved for payment. Once this is completed, your details will be reflected in the App.
That's down to your employer's systems. Sometimes a shift is logged automatically and swiftly. Other systems involve entering manual information. Azucko can only provide your pay on approved shifts worked. That approval process is defined by your employer.
Once you select an amount it will be in your bank account the following work day.
Check your account balance online or at an ATM.
Your company Payroll team will need to see any transactions to accurately process the payroll. This doesn't mean your manager will know. The level of confidentiality is the same as that used for payroll in general.
Yes. Employers control who can and cannot use the service. As it's an added benefit for staff, employers maintain control over the service.
No. It only works with your employer's full approval, and needs to integrate with internal payroll systems.
Yes, the Azucko App gives you a full update each month and you also get a monthly statement emailed to you showing all transactions and history.
In general, Azucko’s income access service is available Monday to Friday. However your company Payroll team needs time to process everyone's pay. In practical terms, this means that for 5 days each month, prior to your normal pay day you won't be able to access income. This is to allow for the normal payroll reconciliation process.
If it's close to pay day, your Payroll team may be processing your payslip and need to finalise your deductions. If not, contact your payroll department to find out more.
How much does Azucko's services cost?
The App is free to download, but every time you access income early, there will be a small standard fee. This fee is fully transparent and clearly displayed before you decide to go ahead. There is also a very small fee, should you wish us to handle any of your bills or savings. Many of the other services on the Azucko App are free. There is a monthly subscription fee and this may be paid for partially or in full by your employer, this is at your employer’s discretion.
Yes. The App is free to download, but every time you transact, there will be a small fee applied in order to process that transaction. This fee is displayed before you decide to go ahead.
Azucko gets these fees to help cover its financing, technical systems, transaction/banking fees and operational costs, as well as the income advance service.
No. The transaction fee is charged on top of the money being withdrawn and is clearly displayed prior to draw down.
It's your net pay and then you can access up to 50% of this net pay early throughout the month, if required.
Azucko’s income access service displays your net or estimated net (after tax income) and then shows a percentage of this amount that you can access early throughout each month. Any money you draw down won't appear in your normal monthly pay.
Yes, this is a fully regulated service by the Central Bank and the link to your bank is fully secure, encrypted and confidential.
Yes. You can request Azucko to pay any loan or utility you decide. Any monies used to pay these loans or bills will be automatically deducted from your wage each month.
Yes. You are in complete control. You can cancel any bill Azucko is paying on your behalf at any stage or amend or add a new bill.
This money is simply directed by Azucko into your nominated savings account. You will be asked to add this savings account to the App, should you select to avail of the Savings Service.
You input any car registration and the current mileage. You will then get a current value of this car based on the mileage entered and the industry average for such a car being sold on the market at that present time. In addition, you will also get a history report on this car which covers the critical aspects one should check and review, before buying a car.
This score is generated based on your banking information and activities from the bank account section. This reflects how you manage your money and bank accounts, your level of debt and savings. It is important you check and track this going forward. The higher the score the better you are managing your personal finances and therefore the more attractive you will be to a bank or finance provider if you need a apply for a loan in the future.