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

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