OnePay – Mobile Banking

ONE Finance, Inc.

About this app

Meet your money super app. Through OnePay, you can bank, send, pay, spend, and borrow — plus build credit and earn cash back and rewards.

OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Member FDIC.

Cash back earned as OnePay Points, redeemable as a deposit into a OnePay deposit account/other available options pursuant to the OnePay Rewards Terms at onepay.com/rewards-terms. For terms/conditions relating to OnePay products, onepay.com/terms. For individual reward details see OnePay app. For certain reward offers utilizing OnePay Credit Cards &, and 3rd-party cards linked in the OnePay Wallet, purchases must be made using the physical card.

^Fee-Free Overdraft is available to OnePay deposit accounts that have received Direct Deposits totaling $500+ in the current or 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 onepay.com/overdraft-details

Δ3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts. APYs are as of 7/27/26, but may change at any time before or after account opening.

‡Cash back is earned as OnePay Points, redeemable into a OnePay deposit account or other available options. 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

>05/27/2026–09/15/2026. Each Wednesday (from 12:00 AM–11:59 PM Pacific Time) during the Bonus Term, purchases of gas using a OnePay Reward gas offer (“Gas Offer”) can earn $1 cash back per gallon, subject to the limitations of the Gas Offer used (e.g. spend caps or gallon caps). Only purchases made on a Wednesday qualify for this Bonus. The $1 cash back through this Bonus is in addition to any cash back amount stated in the OnePay app for the Gas Offer used and any cash back earned by customers who have selected Gas as their monthly cash back category. Gas Offers are not available in New Jersey or Wisconsin. Cash back amounts and caps vary by Gas Offer and details can be found in the OnePay app. This Bonus may be modified or canceled at any time, with or without notice. Making a purchase through a Gas Offer with a OnePay CashRewards Card or third-party cards linked in the OnePay Wallet require use of a physical card

+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 deposit account, or other available options.

* When you enable OnePay Crypto, you must also agree to the zerohash llc and zerohash liquidity services llc terms and conditions and enable your zerohash account. Crypto services may not be available in all states. The value of any cryptocurrency, including digital assets pegged to fiat currency, commodities, or any other asset, may go to zero. zerohash llc is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services.

Ratings and reviews

The latest app update has severely compromised the user experience. As a computer technician, I found the new interface unintuitive to the point of being non-functional; specifically, I was unable to locate basic account activity after 20 minutes of searching. If these essential features remain inaccessible, I will be forced to close my accounts and move to a more user-friendly platform.

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

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.

What’s new

Bug fixes and performance improvements