ONE App review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ONE App suits US households who want everyday banking, saving, a card and investing in one app. The savings balance pays 3.35% variable, with a $0 monthly fee, a $0 minimum deposit and no cap on monthly withdrawals, so the money stays easy to reach.
Key facts
- Best for
- One app for checking, saving, a card and investing with no monthly fee.
- Headline rate
- 3.35%↗
- Rate type
- Variable↗
- Minimum deposit
- $0↗
- Deposit protection
- FDIC up to USD 250,000↗
- Access terms
- On-demand demand deposit account with Checking and Savings sections; no limits on withdrawals per month↗
- Monthly fee
- $0↗
- Account kind
- Easy access↗
- Legal entity
- One Finance, Inc.↗
- Headquarters
- United States↗
- Support channels
- Phone, Chat, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- onepay.com
Credit cards
Debit cards
- Card type
- Debit↗
Crypto exchanges
- Exchange type
- Cex↗
Facts checked September 26, 2026, 11 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- A 3.35% variable rate on a easy access savings balance, above the 3% across the site
- Deposits run through a partner bank with FDIC up to USD 250,000
- Help is available by phone, chat and help centre and the account is managed from a mobile app
Cons
- The 3.35% rate is variable, so it can move with the wider market
- The balance sits in an on demand account described as easy access, so there is no term to lock it away for
- The credit card carries 20.99% to 31.49% on borrowing, against a 15.5% median across the site
Who it suits
- Households saving for kids, since the app is built around them
- People who want saving, a debit card, stocks, etfs and crypto and ira and roth ira in a single mobile app app
- Anyone happy with a variable rate and easy access access, since nothing has to be committed for a term
Who should look elsewhere
- Savers who want a fixed deal: Finteres pays 0% to 36% over a term, while this rate is variable
- Rate chasers: bunq mass interest is 3.01% and Wise interest is 3.29%, both under the 3.35% offered here
- Anyone outside US, where the provider is registered as One Finance, Inc. with FDIC up to USD 250,000 on US deposits
Fees and FX
The account charges a $0 monthly fee, so there is no maintenance charge to pay for keeping it open and the balance can be left to earn whatever the rate pays. The minimum deposit is $0, so an account can be opened and funded straight away without a threshold balance to build up first.
How ONE App compares
9.2 vs 8.0
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9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0- 9.2 vs 8.0
9.2 vs 9.0
9.2 vs 8.6
9.2 vs 8.3
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9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
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9.2 vs 8.5
9.2 vs 8.4- 9.2 vs 8.0
9.2 vs 9.0
Where ONE App is available
- Available
- United States
- Licence in United States
- NMLS (Nationwide Multistate Licensing System) (2638747), checked September 26, 2026
- Licence in United States
- FINRA, checked September 26, 2026
- Licence in United States
- FDIC (bank partners Coastal Community Bank and Lead Bank, pass-through deposit insurance), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the savings balance pay?+
The savings balance pays 3.35% and the rate is variable, so it can rise or fall as conditions change. The median headline rate on the site is 3%, and variable rates cover 53.9% of the products compared.
Are there any fees to keep the account open?+
There is a $0 monthly fee and a $0 minimum deposit, so holding the account costs nothing and a small balance is enough to open it. The card adds an $0 annual fee, which is low against the €0 median on the site.
Is the money protected?+
Deposits are held through partner banks with FDIC up to USD 250,000, which covers eligible balances up to that limit. The provider is registered in the United States and listed on the nationwide multistate licensing system under the number 2638747.
Can I get my money out?+
The account is on demand, and the terms place no limit on how much can be withdrawn in a month, so money can move whenever it is needed. The balance is described as easy access rather than a notice or fixed term product, which suits anyone who needs quick access.
Where do I manage the account?+
Everything runs on a mobile app, so the savings balance, the card and any investments sit in the same place. Help is available by phone, chat and help centre, and a help centre sits alongside the live channels for questions that can wait.
What can I invest in?+
The app covers stocks, etfs and crypto, so shares, funds and crypto sit alongside the cash balance. Retirement accounts are offered as well, listed as ira and roth ira, which gives long term savers somewhere to hold money they do not need day to day.
Who is the account built for?+
The service is built around kids and registered in the United States under One Finance, Inc.. Families wanting a debit card beside their savings can run both from the same app, and the $0 annual fee on the card keeps the pairing cheap.
Does the card cost much to borrow on?+
The card is a credit card carrying 20.99% to 31.49% on borrowing, well above the 15.5% median across the site. Spending is the better reason to hold it: rewards pay 1.5% back on every purchase, and the annual fee is $0.
What does it cost to use the card abroad?+
The currency conversion fee is 0%, so foreign spending does not eat into the balance through a conversion charge, and the credit card still earns cash back on every purchase as usual. The account itself keeps a $0 monthly fee.
Sources
- financeply.com/article/628947-walmarts-new-credit-card-pr... checked September 26, 2026
Backs: APR, Cashback rate, Currency conversion fee
“variable purchase APR of 20.99% or 31.49%”
- thepointsguy.com/credit-cards/reviews/one-pay-cash-reward... checked September 26, 2026
Backs: Annual fee
“The issuer also lists no annual fee”
- onepay.com checked September 26, 2026
Backs: Audience, Card type, Deposit protection, Platforms, Licences
“Teens learn smart money skills while parents stay in control - OnePay Family”
- onepay.com/banking checked September 26, 2026
Backs: Account kind
“When you bank through OnePay, you'll see a Checking and a Savings section. These are demand deposit accounts, commonly referred to as checking accounts.”
- onepay.com/credit-card checked September 26, 2026
Backs: Card kind, Features, Rewards rate, Rewards type
“Earn cash back on every purchase with the OnePay CashRewards Card”
- onepay.com/crypto checked September 26, 2026
Backs: Exchange type
“Buy, sell, and track cryptocurrency right in the app”
- onepay.com/help-center/articles/rewards-earning-rewards-r... checked September 26, 2026
Backs: Support channels
“Contact us on phone 24 hours a day, 7 days a week +1 (855) 830-6200; In-app chat support Get help 24/7 via our in-app chat.”
- onepay.com/invest checked September 26, 2026
Backs: Markets
“Step into the stock market with as little as $1”
- onepay.com/ira checked September 26, 2026
Backs: Account types
“Start building towards the retirement you want - Roth or Traditional IRA Account”
- onepay.com/legal/account-rates-fees checked September 26, 2026
Backs: Access terms, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“There are no limits on the number of withdrawals per month from your Account.”
- onepay.com/legal/terms-of-service checked September 26, 2026
Backs: Headquarters, Legal entity
“You must be a resident of the United States and be 18 years or older to use the Services.”
Compiled from 11 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.
ONE App
One app for checking, saving, a card and investing with no monthly fee.