Banking done right. Enjoy zero fees, high-yield savings options, and affordable credit, all within your One account. Save, spend, borrow and share money with the One app.

At One, you can easily spend, save, borrow, and share from a single account—for free! We’ve simplified banking with:
• One card
• One app
• One account

Banking services provided by Coastal Community Bank; Members FDIC. One is a financial technology company, not a bank.

Every One account can...
• Manage money with no fees and no minimums.
• Earn 1.00% APY* – $5,000 in Save Pocket.
• Earn unlimited 3.00% APY* on One card round ups.
• Create and share free Pockets.
• Access 55,000 fee-free Allpoint ATMs.
• Pay anyone with free ACH bank transfers.
• Activate overdraft protection. (subject to approval)
• Access budgeting tools.

Add direct deposit to unlock…
• Early Paycheck**
• 3.00% APY* on up to 10% of your direct deposit (up to $1,000/month).
• Increased savings potential in Save Pocket - up to $25,000.
• Increased Credit Line. (subject to approval)


*Annual Percentage Yield effective as of 9/1/2020 and subject to change. 3.00% APY available on all Auto-Save balances. Maximum contributions of up to $1,000 per month for paycheck Auto-Save and no maximum contribution for card Auto-Save. 1.00% APY available on Save balances up to $5,000, up to $25,000 with a qualifying paycheck direct deposit.
Early Paycheck may post up to 2 days earlier than the scheduled payment date. Early direct deposit of a paycheck depends on factors such as timing of the payer’s deposit transmission, and the type of payer transmitting the deposit. Learn more about what qualifies as a paycheck direct deposit at
⁑ Subject to credit approval. Offer valid for One account holders issued One cards. We’ll inform you of your credit limit after you set up recurring qualifying direct deposits. Your credit limit may be determined by multiple factors including your credit score, income, and ability to repay. APR ranges from 12% to 18%. Additional limitations, terms and conditions apply.
† Credit Builder functions as a secured charge card that is designed to help you build your credit. Must have a One account to use Credit Builder. No credit history required. A variety of factors impact your credit including payment history, utilization, derogatory marks, account age, total number of accounts, and inquiries. Building your credit may take time and is a process, but Credit Builder may be able to help. Credit reporting may be limited to select credit bureaus during One’s Credit Builder beta phase.
°One and its partner Coastal Community Bank does not make any investments in the fossil fuel industry.
The One card is issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard International.
©2017-2021 and TM, NerdWallet, Inc. All Rights Reserved.

What’s New

Version 1.37.0

- Bug fixes and other improvements

Ratings and Reviews

4.8 out of 5
11.4K Ratings

11.4K Ratings

smittybaby13 ,

Unique banking experience

I was a skeptic at first because I’m not someone who feels completely comfortable with online banking systems. However, one finance proved me wrong 100%, everything they advertise is completely true and I wasn’t sure how the non traditional joint account would function with my husband and I, but it works perfectly. We just share each other’s pockets and we have about 4-5 different pockets and I look forward to the budgeting tools they have to offer. They give a credit line of $10 which allows you to go under by that much for emergencies and they charge 12% interest on that if it’s not paid by the end of the month which they give you a count down on your account to remind you, love it! After a few paychecks you can ask for a higher limit but be aware of 12%, although they won’t charge the standard $35/6 fees in one day for overdraft, it can be pricey if you ask for too high of a credit limit with interest. They text you when you have transactions or get paid (opt in), I was surprised to get paid 2 days early, it was around 3pm but it was still processed to count as 2 days early! I was nervous too about switching the pockets related to the main card, but I always do it right after and switch it back, love love love. Lastly, they tell you it could take 14 business days (no weekends/holidays) for the card to arrive, we did this 4/22 & got it 4/30. Thank you one finance.

Itendtozoneout ,

One is better than Simple ever was.

I was a die-hard Simple user. I loved my bank, and it was easy for me to refer to Simple like someone would refer to an old friend - not a bank, where most of the things you have to say tend to be negative or anxiety producing. When it was announced that they were closing, it felt like my old friend was dying. Honestly, it cut WAY too deep! Simple helped me figure out my finances all the way back in college, and now, close to 10 years later, their closing seemed to hit at the worst possible time. (Not like there was a “good” time for your friend to die 🥲)
All of that said, I moved to One once it was announced Simple would close. They caught me with their FAQ page dedicated to Simple users, and honestly, they’ve improved the app in so many ways since I originally transitioned that I firmly believe that One is a better bank now than Simple was at the end of its life. My money feels effortless, the credit lines and credit score features are something Simple never offered, and my money is doing better than ever. My finances are doing better than ever. One took some user feedback from Simple users to add certain Simple-esque features but it didn’t lose its individuality in the process. It improved upon itself, and quickly, at that. It never became Simple, it became a better One Finance. Protect One at all costs, I never want to use another bank. ❤️

This Is Not A Paid Review! ,

Very Good Mobile Banking App

This is my first review on the App Store & felt like this was needed. One Finance deserves some more recognition as the UI & Customer Service is very top tier. The UI of the site, app, & design elements used on PDF’s, Logos, Transaction Logos, Debit Card, etc. really caught my attention as it’s designed very minimal & pleasant. The Auto Save pocket is 3% APY & is probably the most i’ve seen on the market. Save is sitting at 1% APY which is the usual norm. Good to have both pockets with different features & the ability to share pockets with others is very cool. Some people can be denied this bank so it is good to share pockets with people for business, family, or bills but peer to peer payments isn’t ideal. Check Deposits & Pay Anyone feature is all that this is missing & think it should be rolled out ASAP & be a high priority. Lastly if there was a way to send money instantly to any bank with Zelle or another friend who banks at One without sharing a pocket would definitely set this bank above 99% & consumers would agree with exactly what I’m saying.

App Privacy

The developer, One Finance, Inc., 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 Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

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


  • Wallet

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  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.