OnePay – Mobile Banking

• Free

Last verified 30 Aug 2026

• Free to download

Last verified 31 Aug 2026

4.9 419956 ratings · App Store

1. 4/5Great bank, no fees, but plz get the app right!!

   I’ve used One for years and if you’re used to the ways of an online bank, it’s perfectly functional. Best part is no overdraft fees, which has saved me tons of money over the years when I simply need to move money around constantly. Only 3 times in the past few months did they have issues where I couldn’t use my card or make transactions for a whole day, which is a bit of a big issue but hasn’t happened before. I LOVE that I have separate pockets, I use one for my online spending, one for bills, etc. It helps to keep my spending organized and protected. However I am so annoyed at how the app keeps changing randomly and never for the better. Transferring money between pockets has gotten too complicated with extra steps and clicks. It’s used to be so simple about a year ago. It’s also more complicated now to simply see what’s in all your pockets (aka savings) vs your banking pocket (aka debit). I liked when the ability to check these was an icon button at the bottom of the app for quick clicking, but now you have to go into banking, then click back and forth between debit & savings and scroll down to view all your funds. This should just be the main function of the app to easily view your money/pockets all in one place. The Discover page is basically useless to me and I never use it, so it shouldn’t be one of the only 4 main buttons. I hope the app developers can take some of these notes! Every time they change the app it seems to only get more odd and less user friendly.

   fleurloving1991 · 30 Aug 2026

2. 5/5I like it so far..

   I went to order some groceries and other items to be delivered from Walmart. As I was about to check out, I seen this. So I applied, seen I could get a $15 credit because I was ordering more than $15 worth of things. I did get the credit, I did apply for the card to get the credit. I also got another credit of $6 right after that because I did forget some stuff and I had to order again. I used my $21 credit to order from DoorDash using the virtual card. I just made this account today so I don’t have the physical card yet. It says you can get $10 if you follow 4 steps and spending at least $20 is one step and then I activated a deal to get another credit from using DoorDash which is also another step (to activate a deal and I chose DoorDash because I always use DoorDash and I needed something from there too). I’m waiting on those credits which should equal $15 also give or take. But I like it so far. I did link my Chime account and I do like that I can transfer back and forth if needed. Some stuff works out for some people and some stuff doesn’t work out for others. I say don’t follow reviews because everything will not be the same for everyone. You won’t know how something works for YOU until YOU try it yourself. I only gave 4 stars because I just opened the account today. I spent too much money ordering things and was actually with my $21 cash back! Almost like getting a couple of the items I ordered for free lol. Update: I did receive my cash back credits. It did take about 2 days but I got them. I got $10 for the setup bonus and another $1 and some change for activating and using the DoorDash deal! Came in handy because I needed that extra money today!

   Naye92! · 30 Aug 2026

3. 2/5Direct Deposit

   I couldn’t even use my card for one thing they advertised on the packet I purchased it in: direct deposit. I needed it for my first job, and because I’m missing a lot of documents and from outside of the country so I struggled to make a bank account, so of course this seemed great. After activating my card, I already had my first problems. It wouldn’t tell me my account number or routing number. I asked customer support where I could find it and they responded saying that I do not have an account number or routing number and that once my card runs out of guns I will have to “throw it away”. It was the most ridiculous thing I ever heard. After doing some painful digging on the internet, I was able to find out how to find my account number and routing number. But then came another problem: direct deposit simply doesn’t work. I use the Rain app to see how much money I’m making off work, and as a test, I attempted so withdraw money early at the expense of the fee. I get a notification saying the transaction failed and “can not be completed with a one card”. I contact customer support again, and of course I can a horrendous answer. They say that I can’t use direct deposit because my account is temporary and that I need to download a different app and go to a certain website that needs identification. I click on the link they offer me, and it takes me to a webpage that asks me to download the very app I used to contact them. Honestly would’ve been easier just to go through the trouble of making a bank account.

   AsianGaemr · 30 Aug 2026

4. 4/5Slightly less than perfect!

   I originally opened the ONE account because I deliver for Spark in my spare time and they offered cash out after each successful delivery. I have not had any problems so far. My only two issues are 1) if a charge declines it will send a notification for amount declined but will not say who/what that charge was for. I have some subscriptions I’d like to cancel but it’s hard to catch them with this app. 2) $ off for Walmart purchases are nice but the deals always pop up after I’ve already made a purchase and almost NEVER before. They also don’t last very long at all and they only seem to be available if scanned in store and not on Walmart delivery. I do appreciate the 3% cash back however I believe the limit per year should be higher. They also offer 2-15% cash back on other stores. It’s easy to deposit/ withdraw $ at Walmart or visit any Allpoint ATM for free cash withdrawals. I like the 3.75% APY on savings. My husband also has ONE so it’s easy for us to send/receive funds for whatever reasons. Other great features include creating additional savings account. I have one that I put $ in just to make sure my credit card is auto drafted and paid on time and I have a 2nd one for all my actual $ savings. Let’s go beyond with more features including, overdraft protection, freeze card & round ups. I have not tried credit builder yet but I hope to soon. A few bumps in the road but overall a great experience so far.

   djboyd94 · 30 Aug 2026

5. 1/5Stay as far away as possible

   So I open this account because it’s like you get $50 if you set up direct deposit and you have $500 in so my friend referred me because he was gonna get $100. I was gonna get $50. I downloaded it on Saturday they put a restriction on my account on Saturday. Tell me it would take 24 to 48 hours didn’t tell me I needed to submit any documents or anything I called Back on Monday ask him as my account restricted because I had put $66 into my account and when I restricted it I had access to my money so it is Monday. I called them and they tell me oh we’re sorry you have to wait 24 to 48 business dayswhich they never said on Saturday and I said oh we sent you an email as well so you can upload a photo ID and the face never did I receive any emails. I had to call back in five times speak to three different supervisors just to get somebody to send me the email before we got off the phone to make sure I received the email submitted the documents and now they’re still telling me I have to wait 24 to 48 hours and I don’t even care about the bonus I just dollars that I put on there so if I were you, I would stay far far away from this company. They have the worst customer service people from the Middle East and all they do is read off nobody provides any sort of customer service or any sort of solution. All they say is oh we understand how you feel it’s been sent to our internal team. Sorry there’s nothing we can do and then I have the audacity to hang on you

   07 truth to be told · 30 Aug 2026

4.8 202440 ratings · Google Play

1. 5/5

   great professional accurate service

   Fernando Vago · 1 Aug 2026

2. 5/5

   user friendly

   Kareem Arnold · 1 Aug 2026

3. 5/5

   i feel secure with OnePay. it gives me the freedom from a mistake driven society. im only one man. i need my funds to be known of by only me.

   Dishal Dade · 1 Aug 2026

4. 5/5

   awesome card!

   Audra · 1 Aug 2026

5. 3/5

   nice app but it's a little laggy and slow

   Chuck Berry · 1 Aug 2026

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