OnePay – Mobile Banking

ONE Finance, Inc.

About this app

CashRewards Card
The credit card that earns unlimited 3% cash back at Walmart.∞

Cash
Better banking to help you save.

Wallet
A digital wallet offering rewards.

Credit Builder Loan
Build credit for $1, when you bank through OnePay with eligible deposits.+

Credit Score
View your credit score for free.

Pay Later
A flexible way to pay at Walmart.

Wireless
Truly unlimited 5G on AT&T's network, access with OnePay Cash.†

Global Transfers
Send money abroad to 140+ countries and territories, with OnePay Cash.

One@Work
Provides simple tools to help take control of your pay.

OnePay is a financial technology company, not a bank. 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

OnePay Wireless is powered by Gigs, our wireless carrier partner

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

Eligible deposits requirement met when your OnePay Cash account either (i) receives Direct Deposits totaling $500+ in the current or previous month or (i) had a balance of $5,000+ at the end of the previous month.

‡Cash back is earned as OnePay Points, redeemable into a OnePay Cash account or other available options. Only available to customers who unlock OnePay Cash+ with eligible deposits. You must select your cash back category in the OnePay app monthly and you begin earning on the date it is selected. Eligible purchases are based on MCC.. See onepay.com/rewards-terms.

**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.

+Based on a 12 month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to pay towards your monthly payment, with a minimum of $1. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your Credit Builder Loan lockbox. Use of the Credit Builder Loan Program does not guarantee that your credit score will improve. Credit score improvement is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make monthly minimum payments on time may negatively impact your credit score. See onepay.com/legal/licenses. OnePay is not a credit repair service and does not remove negative credit history from your credit profile.

∞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, as a deposit into a OnePay Cash account, or other available options. See onepay.com/rewards-terms.

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, as a deposit into a OnePay Cash account, or other available options. See onepay.com/rewards-terms for details. Limited time offer. We reserve the right to change or discontinue this offer at any time.

ʌDirect deposit required. Funds availability may vary depending on when your employer sends paycheck data.

++Currency exchange rates vary.

†To access 5G speeds, you will need a 5G-capable device and must be within AT&T’s 5G coverage area.

© Copyright 2026 One Finance, Inc.

Ratings and reviews

I haven't been able to transfer money between internal accounts for about a week. When I contacted the support chat (the only way to get support) they kept blaming me and refused to submit a bug report for an hour. The same error shows up in web and mobile. The supervisor tried to end the chat early and I'm not sure they've still done anything about it. I have emailed them and received no reply. The error persists to this day.

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

What’s new

Bug fixes and performance improvements