OnePay – Mobile Banking

ONE Finance, Inc.

About this app

More. For your money.

OnePay is a financial technology company, not a bank. OnePay Later loans are powered by Klarna and issued by their lending partners. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC. The OnePay CashRewards Mastercard is issued by Synchrony Bank pursuant to a license from Mastercard International Incorporated. OnePay Debit Card is issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard® International Incorporated.

∞Subject to credit approval. Cash back is earned as points on purchases made with your OnePay CashRewards Mastercard, which can be redeemed as a statement credit or as a deposit into a OnePay Cash account. See OnePay Rewards Terms for details.

ʌʌTo receive the welcome bonus, you must (i) be approved for a OnePay CashRewards Mastercard or OnePay Walmart Spend Card and (ii) use it to make $75 or more in purchases within 30 days of account opening. Offer is valid for new accounts only and may only be applied once. Cash back is earned as points, which can be redeemed as a statement credit or as a deposit into a OnePay Cash Account. See OnePay Rewards Terms for details. Limited time offer. We reserve the right to change or discontinue this offer at any time.

ʌDirect deposit required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.

†Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account pursuant to the OnePay Rewards Terms. Individual reward details can be found in the OnePay app.

◊Available to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month.

‡Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account pursuant to the OnePay Rewards Terms. Only applies to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. This reward applies to purchases at U.S. Walmart locations and on Walmart.com only and may not be combined with other OnePay Cash promotions for cash back at Walmart.

**Fee-Free Overdraft is available to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or ii) have a balance of $5,000+ at the end of the previous month. You must be 18 or older. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance is due right away. Eligible transactions are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details at onepay.com/overdraft-details.

ΔΔOnePay Points earned and redeemable according to the OnePay Rewards Terms. Must have at least 25 points to make a redemption. OnePay Points can be redeemed into a OnePay Cash account or as statement credit to a OnePay credit card.

††Loans are subject to approval and eligibility. Rates range from 9.99% - 35.99% APR based on creditworthiness and term length. For example, a $1,000 purchase might cost $173.53 per month over 6 months at 13.99% APR. Down payment may be required. May not be available in all states or for all products.

© Copyright 2025 One Finance, Inc. All third party products, names, logos, and brands are the trademarks or registered trademarks and property of their respective owners. Use of them herein is for identification purposes only and does not imply any ownership, affiliation, or endorsement.

To see terms and conditions relating to OnePay's products, visit www.onepay.com/terms

Ratings and reviews

I like the app, and how I can add all my cards and transfer money to other accounts. However, the ATM page said that there would be no fee at a specific ATM. I used that ATM 4 times, because I thought there was no fee. Turns out that it's only fee free if you have One Plus. That information was extremely hard to find and they knew damn well I didn't have One Plus. I could've gone across the street to Walmart and it wouldn't been free. They refuse to refund!

It's easy to use for the most part. The one thing I would love changed is the showing of all accounts combined as one amount. If I put money into savings, I DO NOT want to see it. When the app is opened and the dashboard is showing, it combines all savings AND checking with one total and it makes me think that total is what I have in my checking. I do deliveries and get paid after each delivery so my account fluctuates so frequently, it's hard to just know what is in my account

They had no issues taking the money from my account but when I went to put money back into that same account they needed to verify. I verified their trial deposit, but that wasn't good enough. The only verification option was to upload a statement showing a full account number. My bank does not show the full account number on my statements. Reach out to support if this happens to you as they can accept a voided check, but the site won't present that as an option unless you ask.

What’s new

Bug fixes and performance improvements