# OnePay – Mobile Banking — Bank. Borrow. Build Credit.

> Mobile banking app for payments, savings, credit building, and wireless services. (iPhone/iPad app by One Finance, Inc..)

- Source: https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953 (this page in markdown: same URL + `.md`)
- Developer: [One Finance, Inc.](https://appshunter.io/developer/1477126814)
- Category: Finance
- Price: Free
- Rating: 4.90/5 from 418,497 App Store ratings · 2,675 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.4 · 194 MB
- Languages: American English
- Released: 2020-03-25
- Data updated: 2026-08-30
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953/reviews.md

## What is OnePay?

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.

## Key features

- Early pay and rewards
- High-yield savings accounts
- Cash back credit card
- Affordable wireless plans
- Credit builder loan
- Buy now, pay later

## Chart rankings

- #11 in Top Free · Finance (US App Store)
- #138 in Top Free (US App Store)

## What do users think of OnePay?

Overall sentiment: negative

**Pros**

- 🚀 Efficient banking features
- 🔒 Secure transactions
- 👍 Intuitive user interface
- 💡 Useful budgeting tools
- 🤑 Generous cash back and rewards

**Cons**

- 🐛 Unreliable app performance
- 🤯 Frustrating account changes
- 🤔 Lack of transparency
- 🙅‍♀️ Poor customer service
- 💸 Unexpected fees and charges

**Commonly reported bugs**

- Frequent app crashes
- Delayed transaction updates
- Issues with account access
- Incorrect account balances

**Most requested features**

- Mobile check deposit
- Instant fund transfers
- More customization options
- Improved transaction search
- Joint account management

## Recent user reviews (10 of 2,675)

All indexed reviews: https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953/reviews.md

### 5/5 — Number 1

*2026-08-25, version 5.88.0*

Good

### 1/5 — Misleading information

*2026-08-25, version 5.88.0*

To get your $50. Sing on bonus you must have a direct deposit from your employer. I don’t have this possibility so I’m out of luck. It’s just misleading. I wouldn’t have signed up for this if I’d had known

### 3/5 — Cash advance

*2026-08-25, version 5.88.0*

It’s a good app all but the cash advance does not need to be sent to auto repay. It needs to be sent to where you can pick the amount that you wanna pay because I used to pay so I could try to buy food because I haven’t eaten today and thanks to the event it took all of it.

### 5/5 — one pay goated

*2026-08-25, version 5.88.0*

i love everything about one pay!!! in general easy to use but hard to remember where everything at but its ok! youll get used to it

### 3/5 — Fix your app

*2026-08-24, version 5.88.0*

I’ve tried 5 times to put the money I’ve made with spark in my banking account and every time I keep receiving an error message. Please fix your app because this is beyond frustrating and ridiculous

### 1/5 — BAD app, WORSE customer service.

*2026-08-24, version 5.88.0*

I downloaded and banked with this app because it seemed like a great bank based on the reviews. I went to get gas and wasn’t able to use my OnePay card, so I had to cancel the transaction. 4 days later the hold was still on my account. Okay. I called the gas station’s corporate and they said they had released the funds on THEIR end. Mind you, this is almost a $100 hold. THEN I contact OnePay support. They tell me they want me to wait 7 days to get my money back. I need this money in order to pay for my credit cards and a ticket, but they won’t release the funds. No funds should be held for 7+ days it’s complete BS.

### 2/5 — Piece of trash.

*2026-08-24, version 5.88.0*

This app is constantly messing up and it wouldn't even let me do an instant transfer to an external bank account. It stays stuck on the loading screen and nothing happens.

### 5/5 — Best App Ever

*2026-08-24, version 5.88.0*

Great way for stay at home moms to make extra cash ! Super reliable, one of the best apps I’ve downloaded to enjoy and make income. Thank you spark !

### 1/5 — Unethical business

*2026-08-24, version 5.88.0*

No one should use this app or OnePay debit card they are running a scam

### 5/5 — Needs Zelle to make it perfect

*2026-08-24, version 5.88.0*

Love this app and the banking. It’s been really impressive so far. Never planned on making it my main account but it’s certainly leaning that way. The only thing it needs to fully complete and take it to the next level is with the addition of Zelle. This banking app needs it! Yes it has its own version but it has such limitations. Bring on Zelle and make this the best banking app on the market!!!

## Frequently asked questions about OnePay

### 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.

## Version history (last 5 releases)

### 5.89.0 — 2026-08-29

Bug fixes and performance improvements

### 5.88.0 — 2026-08-20

Bug fixes and performance improvements

### 5.87.0 — 2026-08-18

Bug fixes and performance improvements

### 5.86.2 — 2026-08-12

Bug fixes and performance improvements

### 5.86.0 — 2026-08-11

Bug fixes and performance improvements

## Apps similar to OnePay

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,440) | Free | Finance |
| [Chime® – Mobile Banking](https://appshunter.io/ios/app/chime-mobile-banking/id836215269) | 4.8 (1,558,421) | Free | Finance |
| [Cash App](https://appshunter.io/ios/app/cash-app/id711923939) | 4.8 (8,634,711) | Free | Finance |
| [Varo Bank: Online Banking](https://appshunter.io/ios/app/varo-bank-online-banking/id1517676784) | 4.9 (233,473) | Free | Finance |
| [Current - Mobile Banking](https://appshunter.io/ios/app/current-mobile-banking/id1077366211) | 4.8 (195,858) | Free | Finance |
| [Dave: Credit, Cash & Money App](https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909) | 4.8 (888,111) | Free | Finance |

## More apps by One Finance, Inc.

- [ONE@Work (formerly Even)](https://appshunter.io/ios/app/onework-formerly-even/id1147769190)

All apps by One Finance, Inc.: https://appshunter.io/developer/1477126814

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*