App Profile: OnePay – Mobile Banking
Android / Games / Puzzles
OnePay – Mobile Banking
Installs:
Rating:
4.85
Total Reviews:
220.79k
Top Countries:
US, CA, MX
< $5k
/mo
800k
/mo
Reviews: What People Think About OnePay – Mobile Banking
Hwn_hunny_b
Rating: 5/5
I recently started driving with Spark and signed up for OnePay for instant payment deposits. I’ve only been using the app for a few weeks, so I can’t speak to many of the money saving features yet. I do have the round up feature that deposits the change from a purchase into the savings account automatically and I find that really nice. Overall it’s just been smooth and I’ve had zero hassles using the card. Today I got an email to follow OP on their socials, so I popped over to instagram and checked out their profile. The first pinned post features (why do I keep saying that word?!) a new limited edition glitter card that is only available while supplies last. The post was already old so I figured I’d be too late to get one, but I commented anyway. WELL! Awesome Alem (👏🏼) dm’d me back super quickly to get my deets for where to send my new glitter card! This brought the biggest smile to my face so I DM’d to let them know and say thanks for brightening my day. Y’all! Alem so kindly sent me a gift to my OP account as a ‘welcome to the family’ and I’m cryinggg!! 😭 They were so, so sweet to make such a kind gesture, it completely made my day!! Kind people are out there, sprinkling strangers with love to remind to not be so cynical! Biggest shoutout to Alem, you’re a true gem, you made my day SPARKlier ✨ OnePay is lucky to have you!
djboyd94
Rating: 4/5
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.
This truth to be told
Rating: 1/5
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
About OnePay – Mobile Banking
More. For your money.
OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC. The OnePay CashRewards Mastercard is issued by Synchrony Bank pursuant to a license from Mastercard® International Incorporated. OnePay Debit Card is issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
To see terms and conditions relating to OnePay's products, visit www.onepay.com/terms
Eligible deposits requirement met when your OnePay Cash account either (i) receives Direct Deposits totaling $500+ in the current or previous month or (i) had a balance of $5,000+ at the end of the previous month.
‡Cash back is earned as OnePay Points, redeemable into a OnePay Cash account or other available options. Only available to customers who unlock OnePay Cash+ with eligible deposits. Spend cap applies to your total spend across the cash back categories you selected during the month. See onepay.com/rewards-terms.
**Must be 18 or older. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance is due right away. Eligible transactions are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details at onepay.com/overdraft-details.
+Based on a 12 month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to pay towards your monthly payment, with a minimum of $1. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your Credit Builder lockbox. Use of the Credit Builder Program does not guarantee that your credit score will improve. Credit score improvement is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make monthly minimum payments on time may negatively impact your credit score. See onepay.com/legal/licenses.
†Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account pursuant to the OnePay Rewards Terms. Individual reward details can be found in the OnePay app.
∞Subject to credit approval. Cash back is earned as points on purchases made with your OnePay CashRewards Mastercard, which can be redeemed as a statement credit or as a deposit into a OnePay Cash account.
ʌʌOffer is valid for new accounts only and may only be applied once. Cash back is earned as points, which can be redeemed as a statement credit or as a deposit into a OnePay Cash Account. See onepay.com/rewards-terms. for details. Limited time offer. We reserve the right to change or discontinue this offer at any time.
ʌDirect deposit required. Funds availability may vary depending on when your employer sends paycheck data.
++Currency exchange rates vary.
© Copyright 2025 One Finance, Inc.
OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC. The OnePay CashRewards Mastercard is issued by Synchrony Bank pursuant to a license from Mastercard® International Incorporated. OnePay Debit Card is issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
To see terms and conditions relating to OnePay's products, visit www.onepay.com/terms
Eligible deposits requirement met when your OnePay Cash account either (i) receives Direct Deposits totaling $500+ in the current or previous month or (i) had a balance of $5,000+ at the end of the previous month.
‡Cash back is earned as OnePay Points, redeemable into a OnePay Cash account or other available options. Only available to customers who unlock OnePay Cash+ with eligible deposits. Spend cap applies to your total spend across the cash back categories you selected during the month. See onepay.com/rewards-terms.
**Must be 18 or older. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance is due right away. Eligible transactions are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details at onepay.com/overdraft-details.
+Based on a 12 month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to pay towards your monthly payment, with a minimum of $1. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your Credit Builder lockbox. Use of the Credit Builder Program does not guarantee that your credit score will improve. Credit score improvement is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make monthly minimum payments on time may negatively impact your credit score. See onepay.com/legal/licenses.
†Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account pursuant to the OnePay Rewards Terms. Individual reward details can be found in the OnePay app.
∞Subject to credit approval. Cash back is earned as points on purchases made with your OnePay CashRewards Mastercard, which can be redeemed as a statement credit or as a deposit into a OnePay Cash account.
ʌʌOffer is valid for new accounts only and may only be applied once. Cash back is earned as points, which can be redeemed as a statement credit or as a deposit into a OnePay Cash Account. See onepay.com/rewards-terms. for details. Limited time offer. We reserve the right to change or discontinue this offer at any time.
ʌDirect deposit required. Funds availability may vary depending on when your employer sends paycheck data.
++Currency exchange rates vary.
© Copyright 2025 One Finance, Inc.
File size: 158246912
Launched countries: US
Minimum OS version: 15.1
Release Date: 1708070400000
Published by One Finance, Inc.
Website url: https://onepay.com
Publisher country: US
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