--- title: "OnePay – Mobile Banking - Reviews, Revenue and Downloads in United States | Apple App Store" description: "Meet your money super app. Through OnePay, you can bank, send, pay, spend, and borrow — plus build credit and earn cash back and rewards. OnePay is a financial technology company, not a bank. Banking" --- # OnePay – Mobile Banking — United States > Bank. Borrow. Build Credit. ![OnePay App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/10/93/3d/10933d7a-d4e4-f172-ceae-b2ad738930dd/OnePayAppIcon-0-0-1x_U007epad-0-1-sRGB-85-220.png/434x0w.png) **Developer:** [One Finance](https://apptail.io/developer/one-finance-TYQ) **Category:** Finance **Rating:** 4.9/5 (407,073 ratings) **Price:** Free **Bundle ID:** com.onefinance.one **Store:** Apple App Store **Country:** United States **Version:** 5.86.2 (released 2026-08-12) **Original Release:** 2020-03-25 **Languages:** English **App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1494523953) **AppTail Page:** [https://apptail.io/app/onepay-mobile-banking-gcu/united-states](https://apptail.io/app/onepay-mobile-banking-gcu/united-states) ## OnePay Description Meet your money super app. Through OnePay, you can bank, send, pay, spend, and borrow — plus build credit and earn cash back and rewards. OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Member FDIC. Cash back earned as OnePay Points, redeemable as a deposit into a OnePay deposit account/other available options pursuant to the OnePay Rewards Terms at onepay.com/rewards-terms. For terms/conditions relating to OnePay products, onepay.com/terms. For individual reward details see OnePay app. For certain reward offers utilizing OnePay Credit Cards &, and 3rd-party cards linked in the OnePay Wallet, purchases must be made using the physical card. ^Fee-Free Overdraft is available to OnePay deposit accounts that have received Direct Deposits totaling $500+ in the current or previous month. You 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 onepay.com/overdraft-details Δ3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts. APYs are as of 7/27/26, but may change at any time before or after account opening. ‡Cash back is earned as OnePay Points, redeemable into a OnePay deposit account or other available options. You must select your cash back category in the OnePay app monthly and you begin earning on the date it is selected. Eligible purchases are based on MCC. See onepay.com/rewards-terms >05/27/2026–09/15/2026. Each Wednesday (from 12:00 AM–11:59 PM Pacific Time) during the Bonus Term, purchases of gas using a OnePay Reward gas offer (“Gas Offer”) can earn $1 cash back per gallon, subject to the limitations of the Gas Offer used (e.g. spend caps or gallon caps). Only purchases made on a Wednesday qualify for this Bonus. The $1 cash back through this Bonus is in addition to any cash back amount stated in the OnePay app for the Gas Offer used and any cash back earned by customers who have selected Gas as their monthly cash back category. Gas Offers are not available in New Jersey or Wisconsin. Cash back amounts and caps vary by Gas Offer and details can be found in the OnePay app. This Bonus may be modified or canceled at any time, with or without notice. Making a purchase through a Gas Offer with a OnePay CashRewards Card or third-party cards linked in the OnePay Wallet require use of a physical card +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, as a deposit into a OnePay deposit account, or other available options. * When you enable OnePay Crypto, you must also agree to the zerohash llc and zerohash liquidity services llc terms and conditions and enable your zerohash account. Crypto services may not be available in all states. The value of any cryptocurrency, including digital assets pegged to fiat currency, commodities, or any other asset, may go to zero. zerohash llc is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. ## OnePay Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/78/33/22/783322d6-276b-3b6f-9ca8-b9a94f2b3748/Apple_iphone6_5_01.jpg/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e7/8a/ba/e78aba51-e960-af08-9a6a-8b085612c559/Apple_iphone6_5_02.jpg/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/60/4b/01/604b0103-9242-8f9d-f077-5b498b5d0471/Apple_iphone6_5_03.jpg/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/38/65/d4/3865d488-1538-812a-f5af-acb344088149/Apple_iphone6_5_04.jpg/1242x2688.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/c6/f1/b9/c6f1b9ab-ed43-a0ac-59bc-5e20068551ba/Apple_iphone6_5_05.jpg/1242x2688.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/41/a3/8f/41a38fae-3d58-dd2b-4f56-045d3993f826/Apple_iphone6_5_06.jpg/1242x2688.png) - [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a5/7a/41/a57a4135-1f06-d361-fdc5-de2996683c50/Apple_iphone6_5_07.jpg/1242x2688.png) - [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ee/2c/4c/ee2c4c06-43d5-cceb-306a-ada4e710cdad/Apple_iphone6_5_08.jpg/1242x2688.png) ## OnePay Rating Breakdown in United States - 5 stars: 378,351 (93%) - 4 stars: 16,120 (4%) - 3 stars: 3,952 (1%) - 2 stars: 1,637 (0%) - 1 stars: 7,013 (2%) ## OnePay Reviews in United States ### ***** "The best" Great app to use!!!!!!!!! -- Uncle Preston 170, 2025-01-02 ### ***** "Y’all need to bank with ONE!" This mobile banking app is awesome!! For those who don’t know, they are like a cash app except they are better! They give you cash back on a lot of different things, and my card came with 15$ already on it and it was in my savings account but I was able to move it just like cash app to my checking and then to my debit card that you get as well!! It even offers its own type of wallet like google pay and wallet!! They give you your credit score also and they offer all kinds of benefits too!! It is so easy to use! The only thing is I’m pretty sure you can’t add cash yet to it ! You would have to add cash from another account for now!! I’m sure they are working on that!! It has been nothing but smooth sailing with this bank!!! Also with my capitol one shopping that searches for every and any promo code for you when checking out of anywhere they look for the codes that actually work and apply it to your order before you check out every time, but it also does cash backs for you top of using your ONE card to purchase you up with some pretty good savings and cash back !!! This app is awesome! Give it a try you won’t be disappointed!!!! Good luck and welcome aboard!!! Join me on the ONE banking app!! Thank you ONE I appreciate yall -- Boosston, 2025-01-02 ### ***** "I love this card" This is a great card -- Leisa Perkey, 2024-12-31 ### ***** "One and done!" Love the ease and convenience the One card and app gives the user!! -- Adrienne Daniels, 2024-12-31 ### ***** "One-mobile banking" Great app for getting your money sooner and getting your bills paid on time. -- Jaytoldmetoo, 2024-12-30 ### *---- "Do not download" One star maybe zero after everything my son had this card he had direct deposit got paid like every time with no issues with the card then his 4 or 5 time getting paided they closed his account with his payroll check still on the account call and call customer service with the run around with them there no help there not giving a reason for everything 4 months later they sent him a check for his check that was in the account while then my mother in law sends us one cards for Christmas with money on them none of us can use them they won’t let us make accounts and again were told we can’t find your money WHATEVER YOU DO DONT OPEN this bank card there a scam a worthless of a bank there customer service is a joke from the beginning of the call -- 08/2022, 2024-12-29 ### ***** "One banking" One Mobile Banking is a fantastic choice for those who value efficiency and rewards. The instant deposit feature works seamlessly with Spark Delivery Service, which makes it an excellent option for gig workers who need quick access to their earnings. Additionally the cash back features are a stand out perk, providing extra value on every day purchases. Overall, it’s a reliable and user friendly banking solution tailored to modern financial needs. Highly recommended! -- Joshua41681, 2024-12-29 ### *---- "Scam" Those guys will lie to you to open account, there is no -- glupavia, 2024-12-28 ### ***** "Great debit card" Love all the perks with this card! -- josh12122, 2024-12-28 ### ***** "Great card" I’ve had a lot of prepaid cards but none compare to One! I love the offers they give. Plus the free ATM withdrawals. I just hope it keeps going like this. -- CourtCobain, 2024-12-28 [View all OnePay reviews and detailed analytics on AppTail](https://apptail.io/account/signup?utm_campaign=ai-crawl&utm_content=reviews) ## OnePay Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Top Free | United States | Finance | #9 | | Top Free | United States | Overall | #117 | ## OnePay Discovered Keywords - action - one - one money app - mobile banking - 1 - debit - oneapp - one account - moblie banking - free bank ## Apps Similar to OnePay - [Found: Business Banking](https://apptail.io/app/found-business-banking-kMs/united-states) - [Amazon Flex Debit Card](https://apptail.io/app/amazon-flex-debit-card-KtG/united-states) - [Lili - Business Banking](https://apptail.io/app/lili-business-banking-lHH/united-states) - [Spruce – Mobile banking](https://apptail.io/app/spruce-mobile-banking-mHH/united-states) - [Associate Stock](https://apptail.io/app/associate-stock-TCI/united-states) - [EXCEED by Money Network](https://apptail.io/app/exceed-by-money-network-rxL/united-states) - [Ingo Money - Cash Checks](https://apptail.io/app/ingo-money-cash-checks-yFL/united-states) - [Branch: A Better Payday](https://apptail.io/app/branch-a-better-payday-rJvb/united-states) - [Benefits OnLine](https://apptail.io/app/benefits-online-QDHb/united-states) - [Atlas - Rewards Credit Card](https://apptail.io/app/atlas-rewards-credit-card-pPYb/united-states) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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