One (One Finance) review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
One is a US easy-access account paying a variable rate of 3.35% with deposit protection of FDIC up to USD 250,000, so it suits savers who want instant access and deposit cover rather than a fixed term. Investment accounts and retirement options sit under the same brand for anyone building savings and portfolios together.
Key facts
- Best for
- US savers who want easy access, deposit cover and a variable rate.
- Headline rate
- 3.35%↗
- Rate type
- Variable↗
- Minimum deposit
- $0↗
- Deposit protection
- FDIC up to USD 250,000↗
- Access terms
- Demand deposit accounts; no limit on monthly withdrawals↗
- Monthly fee
- $0↗
- Account kind
- Easy access↗
- Regulators
- FINRA, SIPC, NMLS↗
- Legal entity
- One Finance, Inc.↗
- Headquarters
- United States↗
- Support channels
- Phone, Chat, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- one.app
Robo-advisors
Pros and cons
Pros
- Headline rate of 3.35% against a site median of 3%.
- Demand deposit accounts with no limit on monthly withdrawals.
- A linked credit card that pays cashback rewards.
- Support runs on phone, chat and help centre.
Cons
- The rate is variable, so interest can move down with base rates.
- One is headquartered in the United States, so it does not serve readers who need a UK or European account.
- Investing cover is SIPC up to USD 500,000, a separate scheme from the FDIC up to USD 250,000 that covers deposits.
Who it suits
- US savers who want demand access and a variable rate of 3.35%.
- First-time investors, with a minimum investment of $1 and ETFs and crypto in the portfolio range.
- Retirement savers, since the account types listed are ira and roth ira.
Who should look elsewhere
- Readers who want a provider outside the US: Wise pays 3.29% and bunq pays 3.01%.
- Savagers who only want the top of the range: Finteres, where rates run 0% to 36%.
How One (One Finance) compares
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Where One (One Finance) is available
- Available
- United States
- Licence in United States
- NMLS (US state money transmitter licensing) (2273210), checked September 26, 2026
- Licence in United States
- California Department of Financial Protection and Innovation (Financing Law License) (60DBO-131026), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does One pay on savings?+
The headline rate is 3.35% and the rate type is variable, so the return can change as base rates move. The account kind is easy access, which means money is available on demand rather than locked for a set period, and the account is listed with no monthly fee under no monthly fee.
Is my money protected?+
Deposits sit with FDIC up to USD 250,000, while investments in the same app are covered by SIPC up to USD 500,000 instead. One also holds a US state money transmitter licence, 2273210, and a California financing law licence, 60DBO-131026.
What does it cost to keep the account open?+
There is a monthly fee of $0 and a minimum deposit of $0, and the account model is listed as no monthly fee. A linked card pays cashback rewards, and the card is a credit card.
How do I get at my money?+
The account is a demand deposit account, so there is no limit on monthly withdrawals and money comes back on demand. Support runs on phone, chat and help centre if a payment needs sorting out.
Can I use One outside the United States?+
One is based in the United States and the legal entity behind the accounts is One Finance, Inc., so it is a US product. If you want a UK or European provider instead, Wise lists a headline rate of 3.29% and bunq lists 3.01%.
Can I invest and save in the same place?+
Yes. The investing side offers etf and crypto portfolios, a minimum investment of $1, and investor protection of SIPC up to USD 500,000. The entities named for it are FINRA, SIPC and NMLS, and crypto trading runs as a centralised exchange where derivatives are not offered.
Does One have retirement accounts?+
The listed account types are ira and roth ira, covering both a traditional IRA and a Roth IRA. The banking side runs on a minimum deposit of $0, and the accounts are demand deposits with no limit on monthly withdrawals.
Sources
- one.app checked September 26, 2026
Backs: Portfolio types
“You can invest in stocks and exchange-traded funds (ETFs); Buy, sell, and track cryptocurrency in the app.”
- onepay.com/banking checked September 26, 2026
Backs: Support channels
“(855) 830-6200 24 hours a day, 7 days a week; Chat available in app 24/7”
- onepay.com/credit-card checked September 26, 2026
Backs: Card kind, Features, Rewards type
“Earn cash back on every purchase with the OnePay CashRewards Card.”
- onepay.com/crypto checked September 26, 2026
Backs: Derivatives, Exchange type
“Buy, sell, and track cryptocurrency right in the app”
- onepay.com/invest checked September 26, 2026
Backs: Investor protection, Minimum investment, Regulators
“Start investing with as little as $1.”
- onepay.com/ira checked September 26, 2026
Backs: Account types
“We offer both Roth and traditional IRAs.”
- onepay.com/legal/account-rates-fees checked September 26, 2026
Backs: Access terms, Account kind, 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/licenses checked September 26, 2026
Backs: Deposit protection, Headquarters, Licences
“One Finance, Inc., NMLS 2273210, holds the following licenses and registrations.”
- onepay.com/legal/terms-of-service checked September 26, 2026
Backs: Legal entity
“the products offered by One Finance, Inc., OneProgress Services LLC, OneProgress Assets LLC, Payment Progress LLC and One Growth Portfolio LLC (collectively, "OnePay")”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.
One (One Finance)
US savers who want easy access, deposit cover and a variable rate.