Gusto Mobile
Gusto Mobile has 52,780 ratings (+3.8% in 30 days), averaging 4.8 stars, #258 of 35,044 in Finance.
Also in the last two weeksv4.8.0 on 26 Oct
Description
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Gusto simplifies payroll, paycheck management, time tracking, expense reimbursement, and savings for small businesses—making it easier to manage tasks on the go with powerful tools for employers, employees, and contractors.
For business owners and payroll administrators:
Payroll: Easily run regular or off-cycle payroll on the go.
Time: Review and approve your team's hours and time off.
Team: View and manage critical team information in one place.
Onboarding: Add and onboard team members directly from the app.
Notifications: Set up notifications and permissions to suit your business.
Expenses: Review and approve expense reimbursements on the go.³
For employees:
Paychecks: Easily manage paychecks and route money to different bank accounts.
Early Pay: Receive paychecks up to 2 days early¹ and access advances between paydays with Gusto Wallet.²
Benefits: Manage your benefits or sign up for special offers.
Documents: Access and sign important documents.
Time: Track your hours and request time off.
Expenses: Snap receipts and submit expenses from anywhere.
For US contractors:
Pay: View payment history, download pay statements, and route money to different bank accounts.
Time: Clock in and out, review tracked hours, make updates as needed, and check schedules.
Scheduling: View personal and team schedules, and update availability.
Documents: Access and sign important documents.
¹ With a Gusto spending account, your payment may be processed up to 2 days early. Timing depends on when your employer submits the payment file.
The Gusto Spending account is issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.
² All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Per pay period advance amounts may vary and are based on factors including repayment history. Terms and conditions apply. On-Demand Pay provided by Clair. Clair is a financial services company, not a bank.
³ Available with Gusto Plus and Gusto Premium only
Reviews Reviews the App Store features, not the newest.
From 52,567 ratings.
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★☆☆☆☆ Won’t let me spend from Gusto Debit Card on gas ES2X1 · 12 Sep 2026Extremely irritating. Initially I was able to use the card to fill up on gas, but ever since some recent update, every time I try to pump gas, it’ll only use up $1, but the authorization recognizes the full amount. So for example, if you wanted to spend $40 to pump gas, the card will authorize $40, but it’ll only pump $1 - what happens to the other $39? Welp, you just have to wait 2-3 business days for Gusto to recognize you didn’t spend the rest of that, but essentially you have no money from your Gusto Debit Card to work with for a few days. I don’t know what idiotic dev decided to have it w
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ork like this. And to be clear, this has happened 3 times now at 3 different gas stations (Speedway Express, Arco, Platinum Gas) so you can’t even tell me it’s because of those gas stations. Ironically, it’ll work fine if I just use it for DoorDash, which I rarely ever use in the first place. Long-story short, the Gusto Debit Card is absolutely useless and now just dead weight. Literally 0 reason to put any of your paycheck on it.Developer reply · 17 Sep 2026Thanks for flagging this! Paying at the pump definitely shouldn’t be this frustrating. We’re aware of the issue with certain gas station authorizations and are working with our card partner to get to the bottom of it. We appreciate you taking the time to let us know what you’re seeing. -
★☆☆☆☆ Beware!!! Scam!! Locutoss · 20 Mar 2026My company uses this app for payroll. I ended up having fraud on my account where a transaction was taken out that I did not authorize. I reported it to them right away. They have five days to either resolve the fraud claim or give me a provisional credit. They closed my account one hour before they were supposed to give the provisional credit and stole all my money. They told me in an email suddenly that there is no way to dispute it and that my account is permanently closed. I tried to call their phone number and I ended up in India and they refused to put me on with a supervisor or tell me
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why my account was closed . I also tried to use their chat. They told me the same thing saying that there’s nobody there that can answer the question as to why my account was closed. I don’t know how they get away with this. I thought they were FDIC insured. Someone from the Government should really look into this. I would recommend choosing any other app over this, especially for payroll or bank deposits! -
★☆☆☆☆ Use for Nonprofit Jeff from Boynton Beach · 27 Jan 2026We we switched to Gusto Intuit believing that the customer service would be better. Boy were we wrong. Gusto makes Intuit Customer service look like Disneyland. I can’t express in words how frustrating it is to deal with this company. Save yourself a headache and go with someone else. Gusto may be the worst payroll service on the face of the Earth. We have reached out to their customer service many times on many issues over the last year, and none of them have been resolved. We are currently waiting to confirm if they sent out 1099s. We asked seven days ago and still have not been able to co
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nfirm. I do not want to hear from the app developer telling me to contact success at Gusto or support at Gusto the AI chat bots are not helpful. If you work for this company, I would suggest finding another job because I can’t imagine them being around much longer due to the fact of how terrible their product and services are.Developer reply · 29 Jan 2026Hello Jeff, We understand how important timely support is, especially around 1099s. This is not the experience we want for our customers. Thank you for sharing your feedback, it will be shared with our teams for improvement. -
★★★★☆ A Step Up Dimethylmercurylove · 22 Aug 2025I work for a small nonprofit that until this year was still processing payroll with a company that would send physical payroll journals via courier every two weeks like it was 1985 (the printer paper was even watermarked and everything!). There was no online user interface to speak of and time was “entered” by sending an email to someone at the company to input on our behalf. In this day and age of data breaches and information security, this system horrified me. So I started investigating alternatives and I found Gusto. To say it’s been a step up would be an understatement. Pros: - You can
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set up different administrative levels so that supervisors can submit payroll for approval by department heads. - Gusto automatically emails employees to update their W-4s and other information regularly. - All Admins get security notices when payment information is changed, which makes sure that someone’s eyes are on it to make sure it’s a legitimate update instead of a hacked account. - You can easily download digital copies of your payroll reports, earning reports for worker’s comp insurance, tax filings, and more. - You can save custom reports as templates so you don’t have to rebuild it every time you need to use it. - It’s easy to integrate with our retirement savings platform. - and probably more! Cons: - Customer service can be very slow to resolve issues. - I’m constantly getting emails, phone calls, and pop up ads on the website trying to upsell me on additional services. If there’s a way to opt out of solicitations, I’d like to know it.Developer reply · 28 Aug 2025Thank you so much for this detailed review. -
★★★☆☆ User type: employee - wish it had more things azlizzie · 24 May 2024Loading is a little sluggish. Sometimes it fails to clock me in or out which is annoying. Would be nice if edit clock ins screen had radio buttons for common selections so I don't have to type "forgot to clock in" or " app glitched" every time. (Forgive the personal deficiencies, this does happen a lot.) When I need to submit receipts, I can't do it from my phone cause the browser redirects to the app without asking. Most of the time my docs are on my phone, making for multiple extra steps and delays until I get to my computer at work. Inconvenient that the app does not have a document uploa
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d option or the web doesn't let you choose to continue in the browser. Otherwise it's fine. It's nothing special and nothing horribly awful. Perhaps a time clock widget could be developed for the Home Screen? Not sure if widgets allow a feature that would still need Face ID to work.Developer reply · 28 May 2024Hello, we appreciate your feedback here. We would like to take a deeper look into your concerns to provide a solution. Please reach out to Support@gusto.com. We look forward to hearing from you. -
★★☆☆☆ Failure to add new debit card erika2355 · 16 Dec 2023I have been trying to add my new debit card to my gusto account for over 2 months now so I can get paid and transfer money out. However, I have yet to be able to add my new non gusto debit card. I’ve reached out multiples times and talked to over 4 different people and each failed to help me fix the issue. I was told that the reason is because my addresses didn’t match. However, I checked multiple, multiple times to make sure the addresses were correct and matched and confirmed that with the gusto help center as well. There should be no reason for my card to not get added to my account yet not
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a single person I have talked to was able to help me fix the issue whatsoever. I’ve tried to keep my composure and be nice but this is unprofessional for me to have to reach out multiple times over months to get a simple problem fixed and not a single person has been able to help me get my debit card added.Developer reply · 18 Dec 2023Hi Erika! We regret to learn about the challenges you've faced, and we apologize for any inconvenience caused here. Ensuring a seamless and positive experience during your platform navigation is a priority for us. To address this matter effectively, please contact our team directly at Wallet@gusto.com. By doing so, we can thoroughly investigate the issue and work towards a swift resolution. We appreciate your understanding and eagerly await your response. -
★★☆☆☆ Don’t expect to get paid on time Aalicia · 9 Nov 2023Two pay periods in a row my check has not come when it was supposed to. I’ve seen all the other reviews and responses from this company saying that it’s dependent on our employer and when THEY send in our information; but that is completely false. My employer turned payroll in on time both times and when reached out to customer service at Gusto, they very nonchalantly said : “your boss turned in everything on time, but we didn’t see that your employer submitted payroll until the next business day and it takes 3 days for it to process..so you’ll be paid next week instead”. I have bills on auto-
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draft and I’ve already acquired 2 late fee’s because the inconvenience and I’ll most likely have more. This is unacceptable and if there becomes a third time that this occurs I WILL be contacting the BBB as well as taking legal action to recover late fees due to THEIR negligence. Do not play with people’s money, cuz you wouldn’t like it done to you.Developer reply · 10 Nov 2023Hello, thanks for taking the time to review and let us know about this problem you are experiencing. When your funds are deposited is determined by several factors, most important being your employer’s deposit speed they have selected as well as if payroll is processed on time. Gusto has no control over those two factors, but we would love to take a look with you at your pay schedule to give you all the information we can on when you should be receiving your payrolls based on the selections your employer has made. As we can not always identify users based on their reviews, please reach out to us directly at support@gusto.com. We look forward to speaking with you! -
★☆☆☆☆ You have no right to be forgotten with GUSTO old_grouse_herder · 3 Oct 2022I had to use this app for a brief 3 week temp job as required by the employer. After my job was completed I reached out to GUSTO to delete account. GUSTO conflated keeping tax documents as required by law with my request to delete the account. I then asked GUSTO to provide me the information in the user agreement where they state that once you use their service you may never opt out (including unsubscribing from emails). GUSTO didn't have this information available as it isnt part of the user agreement. So basically your personal tax info etc is open to hacking indefinitely is someone knows yo
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ur email and can figure out your password. I now have to compel them to fulfill my request possibly by legal means. I would have never had used the app had I known this. Additionally their "customer service" is not located in the US so if anything goes wrong with your paycheck good luck rectifying that. I have sent 7 emails and got nothing but canned gibberish responses which only makes me more concerned about my personal banking and tax info. User beware with this "service" as it is not worth the trouble or risk of identity theft.Developer reply · 7 Oct 2022Thank you for your feedback here and we’re sorry to hear about your experience - We want to make sure you end up with the right team for this issue. Our policy on customer data is in our Privacy Policy, which aligns with industry standards, but if you have any questions/want to exercise these rights, please reach out to us at privacy@gusto.com and we’ll work with you on this. -
★☆☆☆☆ Easily the most frustrating part of my work day RedditsucksbutImstillhere · 16 Aug 2022Is when I have to clock in and out using Gusto Wallet. My company switched from Tsheets earlier in the year and I lament that change everyday. The app takes forever to load even when wifi signal is strong but working in a shop with steel beams and metal siding wifi signal doesn’t travel that well. I have a wifi booster right beside my station, but even when Im in the same room as the router I often find myself watching that sanctimonious little porker trot in place while I wait for this barebones app to load. Besides that, the app will often not recognize when I clock out which creates payroll
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issues because every so often I’ll open the app in the morning to find that its kept me logged in from the day before. Lastly, Im not interested in some app-centric bank account or cash card, but there is no way to get rid of the two ad bubbles advertising the card and bank account.Developer reply · 17 Aug 2022Hi hdkskansjwnbxbdjfnsm! We’re sorry to hear about your experience with the page loading speed to track your time on the Gusto Wallet app. We’re happy to investigate this issue further and hopefully quickly resolve this for you. I will absolutely make sure that your in app ad feedback is passed along to the appropriate teams so that we can continue to improve our product and services. Please get in touch with us by emailing wallet@gusto.com so we can investigate the issue you are experiencing! -
★★★☆☆ Helpful when the website is broken MrOBrian · 31 Oct 2021The only reason I got this app is because tax document downloads on the website are broken, and I can’t wait the several business days they say it’ll take just to respond to my support request. Luckily, viewing and downloading of the documents works in this app, but it looks really bad on iPad. Definitely not meant to run on anything but a phone. Also, the login didn’t bring up the normal interface for using a saved password, so with the app open on my iPad and my password open on my iPhone, I had to type out one of those crazy passwords that gets generated when you tell iOS/Safari to generate
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a strong password. Not sure why the login form wasn’t recognized as something that could be filled in. This app saved the day when the website was broken, but I doubt I’d use it on a regular basis.Developer reply · 1 Nov 2021Hi there, thank you for sharing this feedback! We're glad Wallet mobile was helpful but are always looking for ways to improve, so our team will be considering this as we continue to build it out. Please reach out to us if you need anything in the meantime.
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Growth change in ratings
| Per | Growth | Growth % | Actual change | Measured over |
|---|---|---|---|---|
| day | Not enough history yet | |||
| week | +406 | +0.8% | +525 | 9.1 days |
| month | +1,863 | +3.8% | +3,466 | 55.8 days |
| year | Not enough history yet | |||
How these figures are measured
Change in ratings, scaled to each window from the real gap between crawls. A window needs a full period of history before it reports anything.
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