Comparison

Cash App vs ONE@Work (formerly Even)

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Cash App

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

Highlights
  • Send & receive money/bitcoin instantly
  • Round up spare change to save
  • Invest in stocks, ETFs, and bitcoin
  • Direct deposit for early paychecks
  • Customizable debit card with discounts
  • Free Lightning Network transfers
Features
Read full description

The easy way to spend, save, and invest. Pay anyone in cash or bitcoin instantly and enjoy free Lightning Network transfers with compatible wallets. Start saving by rounding up spare change to the nearest dollar or invest in stocks, ETFs, or bitcoin.**** Experience a faster, simpler way to bank.* Set up direct deposit and get your paycheck up to 2 days early. Order a customizable debit card for free** and add it to your digital wallet. Save on everyday spending with exclusive offers. Download Cash App and create an account in minutes. CASH APP FEATURES P2P PAYMENTS • Send & receive money or bitcoin for free instantly • Pay people using their phone number, email, $cashtag, or QR code • Keep your money safe from fraud with advanced security features CUSTOMIZABLE DEBIT CARD • No hidden fees: Your card works where Visa® is accepted • Customizable: Make it personal & add it to your digital wallet • Safe & secure: Receive real-time transaction alerts & 24/7 fraud monitoring • Instant discounts: Save on spending & check out securely in person & online SIMPLIFIED BANKING SERVICES* • Set up direct deposit & get paid up to 2 days early • Get paid in bitcoin with no fees • No monthly balance minimums or activity requirements • Withdraw from in-network ATMs for free when you earn Green status*** • No overdraft fees & up to $200 in free overdraft coverage on Cash App Card transactions when you qualify for Green status *** EXCLUSIVE DISCOUNTS & SAVINGS • Earn up to 3.5% when you have Green status*** • Round up your spare change to the nearest dollar to start saving • Enjoy exclusive discounts on top brands & events with your Cash App Card • Get access to concert presales & exclusive events STOCK & BITCOIN INVESTMENTS • Buy stocks with no commission fees • Automatically buy bitcoin with zero fees, zero spread • Buy stock & bitcoin with custom orders or auto invest Cash App offers simplified financial services for everyone 13 and up with an account sponsored by a parent or guardian.***** Do more with your money and download Cash App today. — *Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions at cash.app/legal. Discounts, Round Ups, Direct Deposit, Offers, Savings, P2P and Cash App Green features provided by Cash App, a Block, Inc brand. Offers may not be affiliated with third party merchants. **Card use fees apply. Free cards come in black or white. ***Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information on borrowing, free overdraft coverage, savings interest, free in-network ATM withdrawals. ****Brokerage services by Cash App Investing LLC, subsidiary of Block, Inc. For additional information, see cash.app/CAIdisclosures. Bitcoin services provided by Block, Inc. Bitcoin services are not licensable activity in all U.S. states and territories. For additional information, see Bitcoin disclosures. Additional fees for securities may apply such as regulatory fees and fees to transfer securities externally. See house rules for details. *****Teens 13 to 17 can use Cash App with sponsorship by an eligible parent or guardian. See eligibility requirements at cash.app/legal. Contact Cash App Support by phone at (800) 969-1940 or mail at: Block, Inc. 1955 Broadway, Suite 600 Oakland, CA 94612

About

ONE@Work (formerly Even)

Access your earned wages before payday, track your income, and set up automatic savings. This app helps you manage your finances by providing tools to budget and understand your pay.

Highlights
  • Access earned wages early
  • Track earnings per shift
  • Automatic paycheck savings
  • Budgeting tools
  • View work schedule
Read full description

ONE@Work (formerly Even) partners with leading employers, like Walmart, to provide simple tools that help you take control of your pay — without the hassle. Through ONE@Work, you can: - Get paid early* – With Instapay, access your net earnings before payday to help cover the unexpected. No fees** or hidden interest. - Track your earnings – See your work schedule and track how much you’ll make per shift and per paycheck – no more guesswork.** - Save automatically – Choose a percentage you want to save and we’ll deduct it from your paycheck automatically. - Budget easily – When you connect your bank account, ONE@Work helps you calculate what’s okay to spend. ONE@Work is only available as an employer-provided benefit. ONE@Work Save is powered by Cross River Bank, Member FDIC or Coastal Community Bank, Member FDIC. * Instapay is currently unavailable for Walmart associates in NY. ** Only available for members whose employers have configured this benefit within the app.

Screenshots

Cash App4 screens
ONE@Work (formerly Even)4 screens

Verdict

The call

Cash App and ONE@Work (formerly Even) both sit at 4.8 stars, but that hides the real split: 86% of ONE@Work (formerly Even)'s written reviews are positive against 55% of Cash App's. ONE@Work (formerly Even) also leads on monetization model (free vs free with in-app purchases) and iOS requirement (15.5 vs 17.0). Cash App's advantage is ratings volume (8.7M vs 160K) and chart position (#4 vs unranked). On price, rating, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for Cash App against 4.9 for ONE@Work (formerly Even). That said, the two scores are not equally well evidenced: Cash App has 8.7M ratings behind it against 160K, so its average is the more settled of the two. Written reviews are what separate them: 55% of Cash App's written reviews are positive against 86% of ONE@Work (formerly Even)'s.

UpkeepUpdate frequency

Cash App ships an update weekly, ONE@Work (formerly Even) fortnightly. The most recent releases landed on September 26, 2026 and September 25, 2026 respectively.

Scorecard5 real differences · 6 level
Cash App versus ONE@Work (formerly Even): the parameters behind the verdict, then further details
ParameterCash AppONE@Work (formerly Even)
PriceFreeFree
Rating4.8 (8.7M ratings)4.9 (160K ratings) — better
Positive reviews54.7% of reviews85.6% of reviews — better
Number of ratings8.7M — better160K
Update frequencyWeekly — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank#4 — better—
DevicesiPhoneiPhone, iPod — better
Requires iOS17.015.5 — better
Further details — not scored
Size425 MB68 MB
Age rating12+4+
DeveloperBlock, Inc.One Finance, Inc.

Customer experience

Cash App

All ratings8,707,991 ratings
Positive95.2%
Neutral2.0%
Negative2.8%
Written reviews5,981 reviews
Positive54.7%
Neutral4.7%
Negative40.6%

ONE@Work (formerly Even)

All ratings159,889 ratings
Positive97.8%
Neutral0.8%
Negative1.4%
Written reviews947 reviews
Positive85.6%
Neutral2.1%
Negative12.2%

User reviews

Cash App

From 8.7M App Store ratings

What we love

  • 💳 Easy money transferring
  • 🚀 Convenient and user-friendly app
  • 🤑 Referral bonuses and discounts
  • 🤑 Free tax filing
  • 🤑 Borrow money feature

Room to improve

  • 🔒 Security issues and account hacking
  • 🤖 Poor customer service and lack of live support
  • 💰 Unexpected fees and charges
  • 🔍 Unclear account restrictions and limits
  • 🐛 App crashes and technical issues

ONE@Work (formerly Even)

From 160K App Store ratings

What we love

  • 💳 Helpful for managing finances
  • 🕰️ Allows early access to paychecks
  • 🧭 Provides clear budgeting and planning
  • 💰 Useful savings features
  • 🤝 Good customer service

Room to improve

  • 🤔 Confusing subscription model
  • 🕰️ Delayed instapay deposits
  • 🔄 Inconsistent app performance and syncing issues
  • 🔢 Inaccurate pay/hours calculations
  • 🔐 Difficulty changing bank account information

Bugs and requests

Cash App

Reported bugs

3 issues
  • Recurring issues with direct deposits and money transfers
  • Inconsistent app behavior and unexpected account restrictions
  • Problems with mobile check deposits and cash withdrawals

Requested features

4 requests
  • Improve customer support with live chat or phone options
  • Provide more transparency on account policies and limitations
  • Enhance security features to prevent fraud and unauthorized access
  • Streamline the refund and dispute process for users

ONE@Work (formerly Even)

Reported bugs

3 issues
  • App crashes when trying to use instapay
  • Bank account information not updating properly
  • Incorrect paycheck estimates and deductions

Requested features

4 requests
  • Increase instapay withdrawal limit
  • Add more than 3 savings pockets
  • Improve dark mode/theming options
  • Provide more transparency on fees and policies

In-app purchases

None

Cash App

No in-app purchases

None

ONE@Work (formerly Even)

No in-app purchases

Questions

Is Cash App free?
Cash App is free to download, with no in-app purchases.
Is ONE@Work (formerly Even) free?
ONE@Work (formerly Even) is free to download, with no in-app purchases.
Which has better reviews, Cash App or ONE@Work (formerly Even)?
ONE@Work (formerly Even) is rated higher. Cash App averages 4.8 out of 5 from 8.7M ratings, while ONE@Work (formerly Even) averages 4.9 from 160K ratings.
Do Cash App or ONE@Work (formerly Even) have ads?
Neither Cash App nor ONE@Work (formerly Even) shows ads.
Which is updated more often, Cash App or ONE@Work (formerly Even)?
Cash App ships an update weekly, and ONE@Work (formerly Even) fortnightly. Most recently, Cash App was updated on September 26, 2026 and ONE@Work (formerly Even) on September 25, 2026.

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