What is Salary Xpress (Earned Wage Access)?

Salary Xpress is an earned wage access (EWA) solution that allows employees to access a portion of their earned salary before payday.

Is Salary Xpress compliant with Thai labor laws?

Yes. We operate in full compliance with Thai employment and data protection laws.

How do I sign up for the MULA app?

Download the MULA app from the App Store (iOS) or Google Play Store (Android), then register using your phone number and complete your profile.

How much can employees withdraw?

Employees can access up to 50% of their earned wages (adjustable by employer policy).

How quickly will the money reach my bank account?

Funds are usually transferred instantly or within a few minutes after confirming the withdrawal.

MULA Platform provides earned wage access (also known as salary on demand) through Salary Xpress product, giving employees the liquidity they need to manage their lifestyle and emergency.

Quickest access to your earned salary, anywhere, anytime

Our Partners

Trusted Collaborations

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Benefits of Salary Xpress

Smarter Tools for Business Growth

Daily Salary Access

Stay on top of your daily earnings and access

your income with confidence, anytime you need it.

One-Click Instant Transfer

Access your earned wages instantly with a single click, transferring funds directly to your MULA Wallet or linked bank account.

Premium Insurance

Upgrade to a Premium Account to enjoy reduced transaction fees and exclusive access to additional financial microservices.

Financial Learning

Get access to financial learning courses designed to build knowledge,confidence, and smarter money habits.

Your salary, Your control

Get paid your way with Mula X Salary Xpress — instant access to your earnings so you can plan better and live better.

Learn more

Phawin Phothibat

Service Sector Employee

Salary Xpress is something that truly helps during emergencies—like when the car breaks down or someone gets sick. The platform is quite easy to use, and the processing fees are low. I don’t have to worry about ruining my credit or taking out loans, because I can simply withdraw my own salary before payday.

Wimon Naewphaya
Restaurant Employee

For me, the Salary Xpress service improves mid-month liquidity, ensuring I have enough cash when I need it and that I don't have to turn to informal loans with high interest
rates.

"MULA's 'How to Reduce Debt and Increase Savings' course helped me understand how to live a more balanced financial life, increase my savings, and avoid creating new debt

Dararat Chotichai
Service Sector Employee

MULA’s Salary Xpress service is beneficial because it ensures a steady availability of funds, eliminates the need to rely on informal illegal loans, and influences the decision to continue working with the company.

This service greatly affects my decision to stay with the company, as it improves cash flow and enhances the quality of life for both myself and my family.