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From early pay to high-yield Savings, it pays to bank through OnePay.

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Step into the stock market with as little as $1.

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Buy, sell, and track cryptocurrency right in the app.

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Earn cash back on every purchase with the OnePay CashRewards Card.

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The digital wallet that offers rewards at Walmart.

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From early pay to high-yield Savings, it pays to bank through OnePay.
Teens learn smart money skills while parents stay in control.
Step into the stock market with as little as $1.
Buy, sell, and track cryptocurrency right in the app.
Earn cash back on every purchase with the OnePay CashRewards Card.
The flexible way to pay at Walmart.
The digital wallet that offers rewards at Walmart.
The simple way to stay up-to-date on your credit, for free.
Start building towards the retirement you want.
Apply for a low, fixed rate loan up to $50,000.

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IRA Highlight Card

Build towards what’s next with OnePay IRA

Start saving for the retirement you want.

NewsroomAaron Lunsford

Aaron Lunsford

Engineer @ OnePay

Aaron Lunsford

NewsroomAaron Lunsford

Aaron Lunsford

Engineer @ OnePay

Aaron Lunsford

Read Article →

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OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC. The secured OnePay Builder Mastercard® is issued by banking partners pursuant to a license by Mastercard® International Incorporated. See OneProgress Services LLC (NMLS ID 2460509) Licenses. Approved deposit accounts are FDIC insured up to $250,000 per depositor through pass-through insurance at Coastal Community Bank or Lead Bank, Members FDIC, and, as applicable, their Sweep Partner Banks, if certain conditions have been met. FDIC insurance applies to the failure of an FDIC-insured bank, not OnePay. OnePay Debit Card is issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard® International Incorporated.

Investment products are not FDIC Insured, not bank guaranteed and may lose value. All investing involves risk, which includes the risk of loss of principal. Customers should carefully consider their investment objectives and risk tolerance prior to investing. Brokerage services are offered by One Growth Securities LLC, Member FINRA/SIPC. Clearing and custody provided by DriveWealth, LLC. Member FINRA/SIPC.

Opening a OnePay deposit account, offered by One Finance, Inc., is required to open a OnePay Invest account. The OnePay deposit account is the sole funding source for your Invest account and is used to fund purchases and receive proceeds.

Cryptocurrency involves risk, and prices can fluctuate, which may result in the loss of some or all of your investment. Cryptocurrencies are not insured by the SIPC, FDIC, or any Federal Government Agency, are not a deposit, and may lose value. Trading Fees apply; see Customer Agreement for details. Cryptocurrency transaction and custody services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC through an agreement with OneProgress Assets LLC. View additional disclosures here.

Opening a OnePay deposit account is required to open a OnePay Crypto account. The OnePay deposit account is the sole funding source for your Crypto account and is used to fund purchases and receive sale proceeds.

OnePay CashRewards Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard® International Incorporated.

OnePay Later Loans are powered by Klarna and issued by WebBank. Loans are subject to credit approval. May not be available in all states or for all products.

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. Customers can choose to earn at Walmart, on gas, or on dining. Eligible purchases are based on MCC. See OnePay Rewards Terms.

Builder Card: Builder Card helps you build credit by reporting your Builder Card activity to the credit bureaus unless you opt out. Any changes to your credit score are independently determined and based on your overall financial behavior; results may vary and are not guaranteed. OnePay deposit account is required. If eligible, your spending power is based on your Checking balance. Transactions using your virtual debit card are not reported. See OneProgress Services LLC (NMLS ID 2460509) Licenses.

3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts. APYs are as of 8/1/2026, but may change at any time before or after account opening.

Early Pay: Direct deposit required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.

Global Transfers: Currency exchange rates vary.

CashRewards Card: Subject to credit approval. Earn 5% cash back on Walmart Purchases as a Walmart+ member. All other customers earn 3% cash back on Walmart Purchases. Applicable to purchases at U.S. Walmart locations and on Walmart.com only. 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. See OnePay Rewards Terms for details.

New Accounts as of 11/03/2026: Min Interest Charge $2. Walmart Spend Card: Variable Purchase APR 30.99%. OnePay CashRewards Mastercard: Variable Purchase APR 20.49% or 30.99%. Variable Cash APR 22.49% or 32.49% and 5% Fee ($10 min). See rates, fees and other cost information.

OnePay Later: Loans are subject to approval and eligibility. Monthly financing rates range from 9.99% - 35.99% APR based on creditworthiness & term length. For example, a $1,000 purchase might cost $173.53 per month over 6 months at 13.99% APR. Down payment may be required. May not be available in all states or for all products.

Rewards: Cash back is earned as OnePay Points, which expire and are redeemable according to the OnePay Rewards Terms. Must have at least 25 points to make a redemption. OnePay Points can be redeemed into a OnePay deposit account or other available options.

My Garage: OnePay is not a licensed insurance provider. Experian offers insurance from a network of insurance companies through its licensed subsidiary, Gabi Personal Insurance Agency, Inc.

Credit Score enrollment is required for loan or lease tracking.

For Vermont loan applicants: THIS IS A LOAN SOLICITATION ONLY. ONEPROGRESS SERVICES LLC MAY NOT BE THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH COASTAL COMMUNITY BANK OR LEAD BANK IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT OR OTHER STATE LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

One Finance, Inc., Nationwide Multistate Licensing System ("NMLS") ID 2273210; OneProgress Services LLC, Nationwide Multistate Licensing System ("NMLS") ID 2460509; Certain money transmission services provided by Payment Progress LLC, Nationwide Multistate Licensing System (“NMLS”) ID 2638747 - See disclosures at paymentprogressllc.com

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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