Safe to Spend
We take your upcoming bills and your cushion out of your balance. What's left is the number you can actually use.
About Panda Pay
A money app that does the math for you.
Most people are doing this math in their heads and getting it wrong. We built Panda Pay to do it for them.
Why we built it
Your bank shows you a balance. It doesn't know rent comes out Thursday, or that a subscription you forgot about renewed last night. So the number on the screen is never the number you can spend, and everybody ends up doing the subtraction in their head.
Panda Pay does it instead. We take your upcoming bills and the cushion you want to keep out of your balance, and show you what's actually left. When that number still doesn't stretch to payday, eligible members can get up to $100 to bridge it — with the amount and the date shown before anything is confirmed.
What's in the app
Recurring
Every subscription and recurring charge, found automatically, with price increases flagged and the dates on one calendar.
Cash Flex™
Eligible members can get up to $100 between paychecks. No interest, no late fees, no credit check.
Your bank connection
Your bank connects through Plaid, and you can unlink it whenever you want from inside the app.
Getting help
Write to support@pandapay.money about Cash Flex, a bank connection, or anything else, and we'll reply within 1 business day.
Who can use it
Panda Pay is free to download and works across the United States with any supported bank account. Which features you see can depend on your state. You can unlink your bank from inside the app whenever you want.