OnePay – Mobile Banking

OnePay – Mobile Banking

Bank. Borrow. Build Credit.

483K ratings
3150 reviews
#8 in free Finance
💰 Finance
Free

Details

Released
March 25, 2020
Updated
October 26, 2026

Features

OnePay – Mobile Banking screenshot #1 for iPhone
OnePay – Mobile Banking screenshot #2 for iPhone
OnePay – Mobile Banking screenshot #3 for iPhone
OnePay – Mobile Banking screenshot #4 for iPhone
OnePay – Mobile Banking screenshot #5 for iPhone
OnePay – Mobile Banking screenshot #6 for iPhone
OnePay – Mobile Banking screenshot #7 for iPhone
OnePay – Mobile Banking screenshot #8 for iPhone
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About

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

✓Early pay and rewards
✓High-yield savings accounts
✓Cash back credit card
✓Affordable wireless plans
✓Credit builder loan
✓Buy now, pay later
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What users say about OnePay

See all reviews
+1

What's New in OnePay

5.99.0

October 26, 2026

Bug fixes and performance improvements

Charts

Top Free

📈 8+1

Finance

This app rose +1 position in Finance chart.

Last updated on November 1, 2026.

Top Free

📉 128-2

Global

This app dropped -2 positions in Global chart.

Last updated on November 1, 2026.

Events

Read more about A smart start for teens

A smart start for teens

Banking made to give teens real money skills.

Sep 29, 2026 — Oct 30, 2026

Read more about Introducing One Pay

Introducing One Pay

Get cash back deals when you shop at Walmart.

Jun 17, 2024 — Jul 18, 2024

Read more about Try One Credit Builder

Try One Credit Builder

Check out the benefits of Credit Builder.

Jun 17, 2024 — Jul 18, 2024

User reviews

Misleading crooks

Misleading crooks

Fast deposits, but getting your own cash is a absolute nightmare

I’m giving credit where it’s due: deposits from Spark Delivery arrive fast and seamlessly. But that’s where the positive experience completely ends.
Having money in your account is useless if you can’t actually access it when you need it. Trying to withdraw cash with the ONE card is a constant, frustrating struggle with ATMs. You are completely blocked from withdrawing normal amounts of your own money at once, forced instead to accept small chunks of $200 or $300 at a time like you’re asking for an allowance.
What makes it worse is that even ATMs located directly inside Walmart—a service heavily tied to and promoted by Walmart—charge ridiculous fees ($3.25 to $5+) while still capping your withdrawals.
It is completely unacceptable to hold working people's hard-earned money hostage behind strict limits and hidden fees. If I earn my money, I should be able to withdraw it without jumping through endless hoops.
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Customers

Charges to much to transfer!!!

Very Great Overall!!!!!!!

All Around Great

Next winner of the big money.

Go big or go home this app is the next Cashapp
Of loans and sweepstakes the best of both worlds. When I win this money that’s being given away I am going to show them how and what is the next big thing.

Developer apps

User experience

🐞

Reported Bugs

4 issues

Frequent app crashes

Bug

Delayed transaction updates

Bug

Issues with account access

Bug

Incorrect account balances

Bug
✨

Requested Features

5 requests

Mobile check deposit

Feature

Instant fund transfers

Feature

More customization options

Feature

Improved transaction search

Feature

Joint account management

Feature

FAQ

What does OnePay do?

OnePay is a financial technology company offering a mobile banking solution. It provides services such as early pay, rewards programs, high-yield savings accounts, a cash back credit card, affordable wireless plans, and a credit builder loan. You can also use it for buy now, pay later purchases.

What are the key features of OnePay?

Key features include earning OnePay Points on purchases, early access to your paycheck, high-yield savings with interest, a cash rewards credit card with unlimited cash back, affordable wireless plans, a credit builder loan with no fees, and buy now, pay later options at Walmart.

How does OnePay make money?

The app is free to download and use, but it generates revenue through in-app purchases and potentially through partnerships and transaction fees associated with its financial products like the credit card and wireless services.

Is OnePay available on all devices?

While the description doesn't explicitly state compatibility, as a mobile banking app, it is designed to function on smartphones and tablets. Users can typically download it from major app stores like Google Play Store and Apple App Store.

Who is OnePay for?

This app is designed for individuals seeking a convenient way to manage their finances on the go. It's particularly useful for those who want to earn rewards, build credit, save money, and access affordable communication services all within a single platform.