# Cash App vs OnePay

The clearest difference is ratings volume: Cash App at 8.8M against OnePay's 484K. On price, rating, review sentiment and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for Cash App against 4.9 for OnePay. That said, the two scores are not equally well evidenced: Cash App has 8.8M ratings behind it against 484K, 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 61% of OnePay's.

Both ship on a similar rhythm, roughly every 6 days. The most recent releases landed on November 3, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | Cash App | OnePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (8.8M ratings)](https://appshunter.io/ios/app/cash-app/id711923939/reviews) | **[4.9 (484K ratings)](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953/reviews)** |
| Number of ratings | **8.8M** | 484K |
| Positive reviews | 54.9% of reviews | **61.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 days | Every 6 days |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#3** | #6 |
| Size | 441 MB | 187 MB |
| Requires iOS | 17.0 | **16.4** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 12+ | 4+ |
| Developer | [Block, Inc.](https://appshunter.io/developer/335393791) | [One Finance, Inc.](https://appshunter.io/developer/1477126814) |

## What reviewers say

### Cash App

[App page](https://appshunter.io/ios/app/cash-app/id711923939)

**Currently charting:** #3 Top Free · Finance, #60 Top Free (US App Store)

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:** Apple Wallet, iPhone Duo support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🔒 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

**Reported bugs**

- 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**

- 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


### OnePay

[App page](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953)

**Currently charting:** #6 Top Free · Finance, #106 Top Free (US App Store)

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.

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

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


## Frequently asked questions

### Is Cash App free?

Cash App is free to download, with no in-app purchases.

### Is OnePay free?

OnePay is free to download, with no in-app purchases.

### Which has better reviews, Cash App or OnePay?

OnePay is rated higher. Cash App averages 4.8 out of 5 from 8.8M ratings, while OnePay averages 4.9 from 484K ratings.

### Do Cash App or OnePay have ads?

Neither Cash App nor OnePay shows ads.

### Which is updated more often, Cash App or OnePay?

Cash App ships an update every 6 days, and OnePay every 6 days. Most recently, Cash App was updated on November 3, 2026 and OnePay on November 2, 2026.

### Which is more popular, Cash App or OnePay?

Cash App currently peaks at #3 in the App Store charts, and OnePay at #6. Chart position reflects recent download velocity rather than total install base.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*