This depends on the date and time you set this up.
Your Set & Spend amount isn’t available until the next month because of the payroll processing schedule your employer follows.
If you set up your Set & Spend after the agreed payroll processing (cut-off date), your requested amount will only be available from the next pay period.
When you set it up in the app, you’ll see a clear notification of the date when the funds will become available, so it’s always good to double-check that.
This timing ensures everything syncs properly with payroll and your usual pay cycle.