Updated September 29, 2026 · SumCue Editorial Team
One (One Finance) vs Openbank
One (One Finance)
Higher score in this comparison
Openbank
One (One Finance) vs Openbank: the differences
| Compare | One (One Finance)ReviewSee alternativesSee alternatives | OpenbankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 3.35%Higher | 2.75% |
| Minimum deposit | $0 | €1 |
| Deposit protection | FDIC up to USD 250,000 | EU DGS up to EUR 100,000 |
| Access terms | Demand deposit accounts; no limit on monthly withdrawals | Interest paid monthly; money withdrawable at any time in full or in part including accrued interest; free immediate transfers between the current and remunerated account |
| Monthly fee | $0 | €0 |
| Regulators | FINRA, SIPC, NMLS | Comision Nacional del Mercado de Valores (CNMV) |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Regulators: only One (One Finance) offers FINRA, SIPC, NMLS.
- Regulators: only Openbank offers Comision Nacional del Mercado de Valores (CNMV).
- Headline rate is higher at One (One Finance): 3.35% vs 2.75%.
- Support channels: only Openbank offers Email.
- Pricing model: only One (One Finance) offers No monthly fee.
- Pricing model: only Openbank offers No annual fee.
Our verdict on each
One (One Finance)
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.
Openbank
Openbank runs a Spanish current account, an easy-access savings pot paying 2.75% and a Mastercard debit card from one app. It suits savers who want interest paid monthly with no lock-in, and households that want everyday banking and card spending in one place.
Score breakdown
| Area | One (One Finance) | Openbank |
|---|---|---|
| Cost | 9.3A monthly fee of $0 and a minimum deposit of $0 keep the cost of holding the account low. | 9.4HigherMonthly fee €0, account fee €0 and stock trade fee €1 keep the running cost light. |
| Offer | 9.1ETFs and crypto in etf and crypto portfolios, plus retirement accounts listed as ira and roth ira, add to the banking offer. | 9.9Higher |
| Trust | 9.9Higher | 9.2 |
Where they rank in our lists
| Ranking | One (One Finance) | Openbank |
|---|---|---|
| Savings | 102 of 1492 | 103 of 1492 |
| Savings accounts | 77 of 658 | 78 of 658 |
| Credit and debit cards | 128 of 1594 | 129 of 1594 |
| Investing | 69 of 654 | 70 of 654 |
| Robo-advisors | 14 of 154 | 15 of 154 |
Also worth a look
XTB has headline rate at 4%, against 3.35% for One (One Finance) and 2.75% for Openbank.
XTB reviewSources behind this comparison
One (One Finance)
- onepay.com: 12 facts, checked September 26, 2026
Openbank
- openbank.es: 9 facts, checked September 26, 2026
- esma.europa.eu: 3 facts, checked September 26, 2026
- financeads.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | One (One Finance) | Openbank |
|---|---|---|
| Pricing model | No monthly fee | No annual fee |
| Legal entity | One Finance, Inc. | OPEN BANK S.A. |
| Headquarters | United States | Spain |
| Founded | Not confirmed | 1995 |
| Support channels | Phone, Chat, Help centre | Phone, Chat, Email, Help centreCovers more |
Robo-advisors
| Fact | One (One Finance) | Openbank |
|---|---|---|
| Management fee | Not confirmed | 0.42% to 1.03% |
| Minimum investment | $1 | €500 |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Account types | IRA, Roth IRA | Not confirmed |
| Portfolio types | ETF, Crypto | ESG |
Credit cards
| Fact | One (One Finance) | Openbank |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 0% |
| Currency conversion fee | Not confirmed | 0% |
| Rewards type | Cashback | None |
| Features | Rewards | Travel, Multi currency |
| Card kind | Credit | Credit |
Crypto exchanges
| Fact | One (One Finance) | Openbank |
|---|---|---|
| Derivatives | No | Not confirmed |
| Exchange type | Cex | Not confirmed |
Brokers
| Fact | One (One Finance) | Openbank |
|---|---|---|
| Stock trade fee | Not confirmed | €1 |
| Account fee | Not confirmed | €0 |
| Markets | Not confirmed | Stocks, ETFs, Funds, Crypto, Bonds |
| Deposit and withdrawal fees | Not confirmed | free transfers |
| Platforms | Not confirmed | Web, App |
| Interest on cash | Not confirmed | 2.75% |
Loans
| Fact | One (One Finance) | Openbank |
|---|---|---|
| Lender type | Not confirmed | Direct lender |
Where each stands against the rest
| Fact | One (One Finance) | Openbank | Median |
|---|---|---|---|
| Headline rate | 3.35%above the median | 2.75%below the median | 3.3% |
Median across 710 listed providers.
Pros and cons
One (One Finance)
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.
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.
Openbank
Pros
- Interest is credited monthly, and money is withdrawable at any time in full or in part, accrued interest included
- Transfers between the current and remunerated account are free and immediate, and the card runs on mastercard
- The Mastercard debit card carries a currency conversion fee of 0% with a multi-currency feature for travel
Cons
- The headline rate of 2.75% sits below the site median, which stands at 3%
- The credit card has a rewards type of none, so nothing comes back on card spending
- The robo adviser takes a management fee of 0.42% to 1.03% and needs a minimum investment of €500
Who each suits
One (One Finance)
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%.
Openbank
Who it suits
- Savers who want interest paid monthly and no fixed term
- Households that want a current account, a savings pot and a card in one app
- Travellers who want a multi-currency card
Who should look elsewhere
- Wise, if a multi-currency account with a monthly fee of £0 matters more than deposit interest
- Starling Personal Account Debit Card, which charges a monthly fee of £0, if a UK current account fits better
- Varo Believe Secured Credit Card, which has a monthly fee of $0, if building a credit record is the aim
Current offers
One (One Finance)
Current offer
Bonus
3% cash back on chosen category (Walmart, gas or dining): 3% cash back on up to $150 spent per month
Select category each month in the OnePay app; earned as OnePay Points; 1 point per $10 spent after the $150 monthly cap
Source, checked September 26, 2026
Bonus
Unlimited 3% cash back at Walmart, 5% with Walmart+: 3% (5% with Walmart+)
Subject to credit approval; OnePay CashRewards Mastercard issued by Synchrony Bank; U.S. Walmart locations and Walmart.com only
Source, checked September 26, 2026
Bonus
Early Pay: Payday up to 2 days early
Direct deposit required; funds may be available up to 2 days in advance
Source, checked September 26, 2026
Country by country
| Country | One (One Finance) | Openbank |
|---|---|---|
| Spain | No | Yes |
| United States | Yes | No |
Questions about each
One (One Finance)
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.
Openbank
What does it cost to hold the account?+
Openbank charges a monthly fee of €0 and a credit card annual fee of €0. Transfers between the current and the remunerated account are free and immediate, and a stock trade costs €1, so everyday banking adds very little.
How much interest do I earn?+
The easy-access account pays a headline rate of 2.75%, credited monthly, and the rate type is variable. The site median stands at 3%, so the offer sits in the middle of the market rather than at either end.
Other options to compare
Other matchups
One (One Finance)
Openbank