Banking
Family
Invest
Crypto
CashRewards Card

Banking

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

Family

Teens learn smart money skills while parents stay in control.

Invest

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

Crypto

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

CashRewards Card

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

Pay Later

The flexible way to pay at Walmart.

Wallet

The digital wallet that offers rewards at Walmart.

Credit Score

The simple way to stay up-to-date on your credit, for free.

IRA

Start building towards the retirement you want.

Personal Loans

Apply for a low, fixed rate loan up to $50,000.

OnePay Rewards

Walmart benefits

Employers

Gig Platforms

HR Tech

Careers

Newsroom

Shipping

OnePay Next

Blog

Glossary

Help Center

Press

Facebook

Instagram

LinkedIn

X

YouTube

Products

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.

For Shoppers

For Enterprises

Company

Resources

Social

IRA Highlight Card

Build towards what’s next with OnePay IRA

Start saving for the retirement you want.

NewsroomDave Kerr

Dave Kerr

Engineering @ OnePay

Dave Kerr

NewsroomDave Kerr

Dave Kerr

Engineering @ OnePay

Dave Kerr

Read Article →

Blogs

Introducing Agent Control: OnePay's Internal CLI for AI Builders

Product

Banking
Family
Invest
Crypto
CashRewards Card
Pay Later
Wallet
Credit Score
Taxes
IRA
Personal Loans

Company

Careers
Newsroom
Shipping
FAQs
OnePay Next

Resources

Blog
Glossary
Help Center
Press
Status
Security

For Shoppers

OnePay Rewards
Walmart benefits

Social

Facebook
Instagram
LinkedIn
X
YouTube

For Work

@Work
Spark Drivers

Legal

Terms of Service
Privacy Policies
Your privacy choices
Licenses
Other legal resources

Contact

(855) 830-6200
24 hours a day, 7 days a week
Chat available in app 24/7

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.

Family: Teen accounts are available for 13-17 year olds. Parent OnePay deposit account and Builder Card required.Teens are authorized users on their parent or guardian's Builder Card. When they turn 18, their Builder Card activity (starting from age 16) will be reported to the credit bureaus, provided they are still an authorized user, their SSN has been verified, and credit reporting has not been turned off. Credit score impact is independently determined and based on overall financial behavior; results may vary and are not guaranteed. Transactions using a virtual debit card are not reported. See OneProgress Services LLC (NMLS ID 2460509) Licenses. 

One to One transfers can only be transferred to a OnePay deposit account. Teenagers can only make requests to OnePay deposit account holders or OnePay deposit account authorized users in accordance with the settings set by their parent or legal guardian.

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.

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 05/01/2026: Min Interest Charge $2. Walmart Spend Card: Variable Purchase APR 30.74%. OnePay CashRewards Mastercard: Variable Purchase APR 20.24% or 30.74%. Variable Cash APR 22.24% or 32.24% 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.

App Store® is a registered trademark of Apple Inc. Google Play is a trademark of Google LLC.

© Copyright 2026 One Finance, Inc. All third-party names, logos, and brands are trademarks or registered trademarks of their respective owners. Their use herein does not imply ownership, affiliation, or endorsement.