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Cappy - Flexible Pay vs Northmill Usage & Stats
Why wait until the end of the month to get paid? With Cappy you get full control over your pay, and the possibility to withdraw earned pay between paydays. No credit check, no loan, no interest rate – just an easy and quick way to get access to your own money that you've already earned. Simply put, your pay without the wait and on your terms. Just like it should be.
YOU GET TROUBLE-FREE FINANCES when you don’t have to wait for your pay or worry about unpaid or unforeseen expenses between paydays.
YOU ARE IN CONTROL when you can use your own money instead of expensive loans. And since you can check at any time how much you've earned so far in the month and what you will earn from planned work, you eliminate any paycheck surprises at your regular payday.
YOU'LL HAVE MORE FUN AT WORK when you see the direct link between work and pay and can withdraw your pay as soon as you have earned it.
WITH CAPPY YOU CAN:
- Take full control over your earned pay.
- Withdraw already earned pay instantly via Swish.
- See how much you've worked and earned.
- See all of your planned, upcoming and ongoing work.
- See all your withdrawals and regular paychecks.
We partner with employers to make flexible pay possible, and to make your money available in your bank account when you need it. On your regular payday you get your pay as usual, minus any withdrawals you've made, if any. We use BankID and Swish so you can get your money fast, easy, and secure.
If your employer doesn't offer Cappy today, make sure to recommend it to them, and to your colleagues. Let's work together to ensure a more flexible access to your pay.
Please rate and review the app and give us feedback and suggestions on things and features you'd like to see.
For more information visit cappy.se and follow us on social media.
- Apple App Store
- Paid
- Finance
Store Rank
- -
Take full control of your finances – download the Northmill app for free!
Join 600,000 others and experience how easy it is!
Free card & account – no hidden fees
- No foreign transaction fees when shopping abroad
- No annual or withdrawal fees
- Card made from recycled plastic
- Connect to Apple Pay and start using it instantly
Smarter savings with interest & deposit guarantee
- Open a savings account quickly and easily
- Your money grows with a government deposit guarantee
- Start saving today – your future self will thank you
Consolidate your loans & lower your interest rate
- With our loan consolidation, you can combine loans up to 300,000 SEK
- If you meet the criteria, we guarantee a lower interest rate
- Simplify your finances – fewer loans, lower monthly costs
Flexible credit line – borrow up to 50,000 SEK
- Individual interest rates & smooth transfers
- Pay only for the amount you use
- Perfect as an extra buffer – no annual fees
More to come!
We are constantly working to improve our services and build the bank of the future together with you. Stay tuned for new smart features!
- Apple App Store
- Free
- Finance
Store Rank
- -
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January 18, 2026