Best One Pay Mobile Apps

234+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

Looking for free one pay mobile apps? 20 of our 234+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top One Pay Mobile Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OnePay – Mobile BankingOnePay – Mobile BankingFree4.9★ (378K)YesNoJul 2026
2PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoJul 2026
3OnPay MobileOnPay MobileFree4.8★ (135)NoNoJul 2026
4ONE PAY MobileONE PAY MobileFreeNoNoMay 2026
5Capital One MobileCapital One MobileFree4.8★ (11M)YesNoJul 2026
6Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.3M)YesNoJul 2026
7Monzo Bank - Mobile BankingMonzo Bank - Mobile BankingFree4.7★ (5.6K)YesNoJul 2026
8FAB MobileFAB MobileFree4.6★ (8.7K)NoNoJul 2026

Top Picks for One Pay Mobile

OnePay – Mobile Banking#1

OnePay – Mobile Banking by One Finance, Inc.

Bank. Borrow. Build Credit.
Editor's Choice
💰 Finance
4.9😞(378K ratings)
FreeAds
#8in Finance
OnePay – Mobile Banking screenshot 1
OnePay – Mobile Banking screenshot 2
OnePay – Mobile Banking screenshot 3
OnePay – Mobile Banking screenshot 4
OnePay – Mobile Banking screenshot 5
OnePay – Mobile Banking screenshot 6

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.

What We Love

  • 🚀 Efficient banking features
  • 🔒 Secure transactions
  • 👍 Intuitive user interface
  • 💡 Useful budgeting tools

Room to Improve

  • 🐛 Unreliable app performance
  • 🤯 Frustrating account changes
  • 🤔 Lack of transparency
PayPal - Pay, Send, Save#2

PayPal - Pay, Send, Save by PayPal, Inc.

Savings, cash back, pay later
Strong Contender
💰 Finance
4.8😐(6.3M ratings)
FreeAds
#3in Finance
PayPal - Pay, Send, Save screenshot 1
PayPal - Pay, Send, Save screenshot 2
PayPal - Pay, Send, Save screenshot 3
PayPal - Pay, Send, Save screenshot 4
PayPal - Pay, Send, Save screenshot 5
PayPal - Pay, Send, Save screenshot 6

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

What We Love

  • 🚀 Extremely effective and reliable crypto recovery service
  • 🔒 Secure payment processing
  • 💰 Convenient way to send and receive money
  • 👍 Easy to use app with simple interface

Room to Improve

  • 🐛 Inconsistent customer support responses
  • 🕰️ Slow money transfer times
  • 💳 Holds on funds for new accounts
OnPay Mobile#3

OnPay Mobile by Onpay, Inc

Check your pay, hours and PTO.
Worth Considering
💼 Business
4.8(135 ratings)
Free
OnPay Mobile screenshot 1
OnPay Mobile screenshot 2
OnPay Mobile screenshot 3
OnPay Mobile screenshot 4
OnPay Mobile screenshot 5
OnPay Mobile screenshot 6

Access your pay stubs, update personal and banking information, and manage time off requests. Easily find colleague contact details and sign important work documents directly from your phone. The app provides lifetime access to employment documents and offers customizable display modes.

More One Pay Mobile apps to explore

4
ONE PAY Mobile
ONE PAY Mobile
ONE PAY Mobile
by ONE PAY PLC.
Free
💰 Finance
(0)
5
Capital One Mobile
Capital One Mobile
Capital One Mobile
Easy account access anywhere.
Free

Manage your finances on the go with comprehensive account access. View balances, pay bills, track transactions, and monitor your credit score. The app also offers card management, rewards redemption, and peer-to-peer payments.

View account balances and statementsPay bills and loansCheck credit score with CreditWise
💰 Finance
(11M)
free
6
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
💰 Finance
(2.3M)
free with in-app purchases
7
Monzo Bank - Mobile Banking
Monzo Bank - Mobile Banking
Monzo Bank - Mobile Banking
Spend, save, manage your money
Free

Manage your finances with a digital banking app offering real-time spending notifications, savings tools, and cashback rewards. Connect all your accounts for a comprehensive financial overview and enjoy secure, FDIC-insured deposits.

Real-time spending notificationsCashback on purchasesHigh APY savings rates
💰 Finance
(5.6K)
free with in-app purchases
8
FAB Mobile
FAB Mobile
FAB Mobile
by First Abu Dhabi Bank
Free

Manage your everyday banking needs from anywhere with this mobile application. It allows you to spend, save, and stay on top of your finances. New customers can open accounts and apply for products without visiting a branch.

View balances and e-statementsPay utility billsActivate cards
💰 Finance
(8.7K)
free
9
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
UPI, Recharge & Pay Bills
Free

This app offers secure and private UPI payments, bill recharges, and online shopping. It provides features like personalized UPI IDs, international payments, and spend analytics for users in India and abroad.

Secure UPI paymentsInternational UPI paymentsMobile and DTH recharges
💰 Finance
(39K)
free with in-app purchases
10
Citizens Bank Mobile Banking
Citizens Bank Mobile Banking
Citizens Bank Mobile Banking
by Citizens Bank, N.A.
Free

Manage your finances conveniently from your mobile device. View account balances, deposit checks with photos, transfer funds securely, and pay bills all in one place. Your accounts are protected with a banking guarantee.

View account balances and activityDeposit checks by snapping photosTransfer money between accounts
💰 Finance
(737K)
free
11
PNC Mobile Banking
PNC Mobile Banking
PNC Mobile Banking
Digital Banking Solutions
Free

Manage your finances on the go with this mobile banking app. Check balances, transfer funds, deposit checks, pay bills, and send money securely. It also offers tools to track spending, set budgets, and manage savings goals.

Check account balances and transactionsSecure sign-on with biometricsSend money with Zelle®
💰 Finance
(2M)
free
12
Chime® – Mobile Banking
Chime® – Mobile Banking
Chime® – Mobile Banking
Save, Spend, Build Credit
Free

Manage your finances with tools for early payday access, fee-free overdraft protection, and credit building. This app offers a checking account with fee-free cash deposits and ATMs, plus automatic savings features and 24/7 support.

Early payday accessFee-free overdraft protectionCredit building tools
💰 Finance
(1.5M)
free with in-app purchases
13
First Interstate Bank Mobile
First Interstate Bank Mobile
First Interstate Bank Mobile
by First Interstate Bank
Free

Manage your finances on the go with this banking application. View account balances, transaction history, and cleared checks. Transfer funds, pay bills, and deposit checks remotely. Receive customizable push notifications for important account activity.

View account balancesSearch transaction historyTransfer funds
💰 Finance
(25K)
free
14
Branch: A Better Payday
Branch: A Better Payday
Branch: A Better Payday
Your money—fast
Free

Access your earned wages instantly with flexible payout options. This app provides a free digital bank account and debit card, along with financial wellness tools to help you save, spend, and manage your money effectively.

Fast wage accessDigital bank accountDebit card
💰 Finance
(67K)
free with in-app purchases
15
BCEL One
BCEL One
BCEL One
by Banque Pour Le Commerce Exterieur Lao Public
Free

This advanced banking app allows shared accounts with customizable permissions, multi-recipient fund transfers, and digital cheque issuance. It offers enhanced security features like FaceScan and virtual prepaid cards for social transactions, alongside a new customer support channel.

Shared accounts with permission controlMulti-recipient fund transfersIssue e-cheques
💰 Finance
(87)
free
16
CIBC Caribbean Mobile
CIBC Caribbean Mobile
CIBC Caribbean Mobile
by FirstCaribbean International Bank Ltd
Free

Manage your finances on the go with this banking app. Easily pay bills, transfer funds between accounts, and check your transaction history. Monitor your balance with custom thresholds and locate nearby branches or ATMs.

Transfer funds instantlyCheck account balancesReview transaction history
💰 Finance
(13K)
free
17
Apple Wallet
Apple Wallet
Apple Wallet
Apple Pay, Apple Card and more
Free

Securely store and manage digital versions of your credit/debit cards, IDs, transit passes, tickets, and keys. Use it to make payments, send money, and access venues and transportation with your iPhone or Apple Watch.

Store credit/debit cardsDigital driver's license/state IDTransit and event tickets
💰 Finance
(6.7M)
free
18
Og Money - Payments&Gift Cards
Og Money - Payments&Gift Cards
Og Money - Payments&Gift Cards
Mobile wallet to buy & pay
Free

This app serves as a digital lifestyle super app, allowing users to manage various transactions like buying digital gift cards, recharging mobile lines, paying bills, and booking travel. It offers exclusive deals and saving bundles for a more convenient and cost-effective digital experience.

Buy and gift digital cardsRecharge mobile linesPay telecom bills and services
🔧 Utilities
(28K)
free with in-app purchases
19
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4¹
Free

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
🛍️ Shopping
(292K)
free with in-app purchases
20
Square Point of Sale (POS)
Square Point of Sale (POS)
Square Point of Sale (POS)
Payments & Business Dashboard
Free

This all-in-one payments processing app helps businesses of all types manage operations, accept payments, and boost profits. It offers industry-specific modes for retail, restaurants, services, and beauty businesses, with features like inventory management, online booking, and invoicing.

Accept all major payment typesIndustry-specific business modesInventory management
💼 Business
(602K)
free with in-app purchases

FAQ about One Pay Mobile

What are the best one pay mobile apps for iPhone?
OnePay – Mobile Banking tops our one pay mobile apps ranking as of July 2026, with a 4.9-star average from 378K App Store ratings, and it's free to download.
Yes — 20 of the top one pay mobile apps we rank are free to download, including OnePay – Mobile Banking and PayPal - Pay, Send, Save.
OnePay – Mobile Banking shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 234+ one pay mobile apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
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.
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.

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