OnePay – Mobile Banking

ONE Finance, Inc.

About this app

Cash
Early pay​​, OnePay Rewards, no monthly fees

Cash+
Earn interest with high-yield Savings

Global Transfer
Send money with OnePay

Credit Builder Loan
Build credit history with no fees for just $1/month

Tax
Get your refund up to 5 days early

OnePay Later
Buy now, pay later at Walmart

Wallet
Earn OnePay Points when you shop at Walmart

CashRewards Card
Earn unlimited 3% cash back at Walmart,
or 5% cash back at Walmart with Walmart+.​

The OnePay CashRewards Mastercard is issued by Synchrony Bank pursuant to a license from Mastercard® International Incorporated. Builder Cards through OneProgress Services LLC (NMLS ID 2460509) are 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.

Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account or other available options pursuant to the OnePay Rewards Terms at onepay.com/rewards-terms. To see terms and conditions relating to OnePay's products, visit onepay.com/terms. Individual reward details can be found in the OnePay app. For certain reward offers utilizing OnePay Credit Cards, and third-party cards linked in the OnePay Wallet, purchases must be made using the physical card.

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.

+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.

++Currency exchange rates vary.

‡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.

**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.

◊The secured OnePay Builder Mastercard® is issued by banking partners pursuant to a license by Mastercard® International Incorporated. Builder Card helps you build credit by reporting your Builder Card activity to the credit bureaus unless you opt out. Any changes to your credit score are independently determined and based on your overall financial behavior; results may vary and are not guaranteed. OnePay deposit account is required. If eligible, your spending power is based on your Spend balance. Transactions using your virtual debit card are not reported. See OneProgress Services LLC (NMLS ID 2460509) onepay.com/legal/licenses

^Direct deposit required. Funds availability may vary.

Ratings and reviews

Well, so far I'm impressed with the app. Linked Bank Card OK. I haven't usef it as of yet. The One Pay Credit Score is helpful for knowing and staying on top of your credit score. If your a Walmart Aholic One Pay Later is the way to go. Some great perks on gas if one is out and about, otherwise you may loose them since some seem to be time & date sensitive 🥺. Good place to start with an online bank with a debit card. And from what I can tell helpful in building your credit score.

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