Onesto 4+


    • 4.9 • 14 Ratings
    • Free

iPhone Screenshots


Note: Your employer must have an agreement with Onesto to start using our app. If you don't know, ask your employer or reach out to Onesto's support on our website -

Your financial fitness toolkit in one app. Get rewarded for tenure and hard work. Do your essential shopping online and in-store and you’ll get cash-back of up to 10% on each purchase. Get access to your earned wages to make your income better match your expenses and learn about financial fitness and money management from the learning library.

Join the thousands of Australians who build savings, financial fitness, and money management skills using Onesto. Open an account in minutes.

Rewards and Recognition - Be rewarded for your hard work! Your employer will send you rewards for tenure and special days, while also recognizing your hard work.

Shop and build savings - Shop and enter the exact amount of your shop and get instant cash-back from more than 50 major Australian retailers. Build a savings account and save up to $1000 per year – or much more if you’re a family.

Get your Wages as You Earn Them - If you need the money you’ve earned you needn’t wait for payday any longer. Use the earned wage access function to send to your bank account almost instantly (if you have an Osko account) and there are no hidden fees – just a flat fee.

Learn Financial Management and Savings Skills - Use the Onesto Learning Library to improve your financial knowledge. Over 100 courses at different skill levels builds your knowledge of savings, budgeting, money management, and investment.

Transfers and payments at a tap - Move funds in and out of Onesto at the tap of a button. Send money to friends, pay bills, or shop and save all at the tap of a button from the app. Or nominate your Onesto account and send funds straight from your bank.

Send a Gift Card - This feature allows you to send your loved ones that special gift card while you take the savings.

Get on top of your finances - Savings from your essential shopping, the flexibility to get paid when you need it, and financial learning will help you get on top of your finances. It’s a great feeling when you're in control of your money, and Onesto will help you get there.

What’s New

Version 1.1.7

Bug fixes and UI enhancements.

Ratings and Reviews

4.9 out of 5
14 Ratings

14 Ratings

LMoodz ,

Amazing app

Love this app so much it helps me pay what I need to pay before I get paid also when my employer doesn’t pay their employees I have money in my accounts for everything for the week when I’m waiting. Would recommend using if you need access to your pay early! Thank you for inventing such a thing it really helps a lot of people out when they need it most!

adlina09 ,

Exactly what i need in 2022

As my goal for this year is to be more financially literate and responsible, this app fits right in. This app deposits money into my account after every purchase i made for my daily needs such as groceries and uber. I love how i do not need to change my lifestyle and grow my savings at the same time.

Developer Response ,

Glad we are making a difference!

Annee Nguyen ,

This app it works

I used this app to shop during Christmas and it actually works and I got the cashback straight away to my account after purchased and I can transfer that money out instantly. I didn’t pay any fees at all. 👍🏻

Developer Response ,

Great news Annee, appreciate the feedback.

App Privacy

The developer, oNesto, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Not Collected

The developer does not collect any data from this app.

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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