{"app_store_id":1494523953,"slug":"onepay-mobile-banking-1494523953","name":"OnePay – Mobile Banking","subtitle":"Bank. Borrow. Build Credit.","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/2d/0f/ad/2d0fadcb-e610-c086-fc2a-195ea8bd95b7/OnePayAppIcon-0-0-1x_U007epad-0-1-sRGB-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/onepay-mobile-banking/id1494523953?uo=4","price":0,"currency":"USD","rating":4.85961,"rating_count":469531,"in_app_purchases":false,"recent_rating":3.9,"recent_review_count":20,"reviews_checked_at":"2026-10-14T00:43:46.278Z","primary_genre":"Finance","version_date":"2026-10-13T18:09:28Z","updated_at":"2026-10-18T16:22:11.698Z","stale":false,"missing_since":null,"one_liner":"Mobile banking app for banking, sending, paying, spending, borrowing, building credit, and earning cash back and.","verified_maker":false,"maker_site":null,"file_size_bytes":189148160,"minimum_os":"16.4","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/82/6a/b1/826ab18e-0575-c747-90ec-e6fc9b5ceb3b/Apple_iphone6_9_01.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e2/e9/c3/e2e9c32d-4887-5470-50f2-7cc5217c552e/Apple_iphone6_9_02.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/c4/55/90/c45590fa-0892-016b-5eab-f3b09ee5163e/Apple_iphone6_9_03.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/89/e9/d3/89e9d3f1-4a51-3e66-8c3b-e520219e81ba/Apple_iphone6_9_04.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/96/b5/1b/96b51b17-1a79-a111-3acc-6c52e23f5d1d/Apple_iphone6_9_04.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/90/41/b3/9041b347-a167-79e2-16aa-5097f4d2f6d6/Apple_iphone6_9_05.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e5/39/52/e5395260-cef6-5784-77f7-df942a5c692d/Apple_iphone6_9_06.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/0e/ac/58/0eac588c-49da-4227-f0c6-16f98138ab63/Apple_iphone6_9_07.jpg/320x480bb.jpg"],"developer_name":"One Finance, Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/onepay-mobile-banking-1494523953/","api_url":"https://apptierlist.com/api/v1/apps/onepay-mobile-banking-1494523953","schema_version":"1.0","generated_at":"2026-10-20T00:51:55.999Z","data_as_of":"2026-10-20T00:39:11.537Z","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.\n\nOnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Member FDIC.\n\nCash 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.\n\n^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\n\nΔ3.35% 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.\n\n‡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.\n+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.\n\n* 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.\n\n**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 at https://www.onepay.com/legal/licenses","facts":{"developer_id":1477126814,"developer_url":"https://onepay.com","first_released":"2020-03-25T07:00:00Z","support_url":"https://onepay.com/help-center","privacy_url":"https://one-web.app.link/e/privacy-notice","website_url":"https://onepay.com/","app_version":"5.97.0","release_notes":"Bug fixes and performance improvements","rating_current_version":4.85961,"rating_count_current_version":469531,"star_counts":[7843,1868,4693,18247,428410],"genres":["Finance"],"languages":["EN"],"content_advisories":["Loot Boxes","Infrequent/Mild Contests"],"device_families":["iphone","ipad"],"chart":{"name":"top-free Finance","position":9}},"freshness":{"apple_read_at":"2026-10-18T16:22:11.698Z","catalog_read_at":"2026-10-10T02:35:02.948Z","reviews_checked_at":"2026-10-14T00:43:46.278Z","summary_written_at":"2026-10-17T17:09:13.409Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-20T00:39:11.537Z"},"editorial":{"one_liner":"Mobile banking app for banking, sending, paying, spending, borrowing, building credit, and earning cash back and.","what_is":"OnePay is a Finance app that the listing describes as a money super app for banking, sending, paying, spending, and borrowing. The listing also mentions building credit and earning cash back and rewards. OnePay is described as a financial technology company, not a bank, with banking services provided by Coastal Community Bank or Lead Bank, Member FDIC.","good_for":["Managing a deposit account and sending or paying money from a phone","Building credit with a OnePay CashRewards Mastercard, subject to approval","Earning cash back by selecting a monthly category in the app"],"pricing":"OnePay – Mobile Banking is free, with no in-app purchases on the App Store.","faq":[{"q":"Is OnePay a bank?","a":"No. The listing says OnePay is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank or Lead Bank, Member FDIC."},{"q":"What are the age and deposit requirements for Fee-Free Overdraft?","a":"You must be 18 or older and have received Direct Deposits totaling $500+ in the current or previous month to use Fee-Free Overdraft on a OnePay deposit account."},{"q":"Does the app offer cryptocurrency?","a":"The listing mentions OnePay Crypto, which requires agreeing to zerohash terms and may not be available in all states. The value of any cryptocurrency may go to zero."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T17:09:13.409Z"},"memberships":[{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":6,"tier":"A","score":85.7,"components":{"rating":97.2,"votes":96.7,"rank":48.8,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-10T04:57:02.941Z"},{"list":"banking","list_name":"banking","list_status":"active","list_url":"https://apptierlist.com/best/banking/","position":41,"tier":null,"score":86,"components":{"rating":97.2,"votes":96.7,"rank":50,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-10T04:57:02.941Z"}],"main_list":"credit-building","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":178967,"at":"2026-10-20T00:39:11.537Z","kind":"tier_changed","list":"banking","app_store_id":1494523953,"app":"onepay-mobile-banking-1494523953","from":"C","to":null,"reason":"rank shift: #41, below the tiered top 40","job":"rescore"},{"id":148255,"at":"2026-10-17T20:24:11.694Z","kind":"tier_changed","list":"banking","app_store_id":1494523953,"app":"onepay-mobile-banking-1494523953","from":"A","to":"C","reason":"rank shift: #35, score 86, tier full (a quarter of the list)","job":"rescore"},{"id":107619,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"banking","app_store_id":1494523953,"app":"onepay-mobile-banking-1494523953","from":"B","to":"A","reason":"rank shift: #4, score unchanged at 85.7","job":"rescore"},{"id":79566,"at":"2026-10-14T13:36:19.778Z","kind":"tier_changed","list":"credit-building","app_store_id":1494523953,"app":"onepay-mobile-banking-1494523953","from":"B","to":"A","reason":"score 85.7","job":"rescore"},{"id":49839,"at":"2026-10-10T05:57:02.941Z","kind":"tier_changed","list":"credit-building","app_store_id":1494523953,"app":"onepay-mobile-banking-1494523953","from":null,"to":"B","reason":"score 85.9","job":"rescore"},{"id":49493,"at":"2026-10-10T04:57:02.941Z","kind":"membership_added","list":"credit-building","app_store_id":1494523953,"app":"onepay-mobile-banking-1494523953","from":null,"to":"active","reason":"Subtitle says 'Build Credit' and the description lists building credit as a core feature.","job":"shadow"},{"id":43971,"at":"2026-10-09T14:10:41.142Z","kind":"tier_changed","list":"banking","app_store_id":1494523953,"app":"onepay-mobile-banking-1494523953","from":"C","to":"B","reason":"score 85.4","job":"rescore"},{"id":36598,"at":"2026-10-09T06:06:03.151Z","kind":"tier_changed","list":"banking","app_store_id":1494523953,"app":"onepay-mobile-banking-1494523953","from":null,"to":"C","reason":"score 73.5","job":"rescore"},{"id":26360,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"banking","app_store_id":1494523953,"app":"onepay-mobile-banking-1494523953","from":null,"to":"active","reason":"Positioned as mobile banking with deposit accounts, savings APY, direct deposit and fee-free overdraft.","job":"fill"},{"id":20882,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":1494523953,"app":"onepay-mobile-banking-1494523953","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"credit-building","list_name":"credit building","status":"active","review_status":"checked","position":6,"tier":"A","score":85.7,"components":{"rating":97.2,"votes":96.7,"rank":48.8,"recency":100},"ranks":[{"country":"us","rank":17}],"verdicts":[{"verdict":"keep","reason":"Building credit is a headline feature in its subtitle and comes through its own credit card products. That puts it alongside Atlas and Self as a product people compare when trying to build credit.","verifier":"list check","decided_at":"2026-10-15T10:54:36.044Z","attempts":1,"current":true},{"verdict":"keep","reason":"Subtitle says 'Build Credit' and the description lists building credit as a core feature.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-10T04:57:02.941Z","attempts":1,"current":false},{"verdict":"reject","reason":"not kept (marked secondary)","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]},{"list":"banking","list_name":"banking","status":"active","review_status":"checked","position":41,"tier":null,"score":86,"components":{"rating":97.2,"votes":96.7,"rank":50,"recency":100},"ranks":[{"country":"us","rank":11}],"verdicts":[{"verdict":"keep","reason":"OnePay is primarily a mobile banking app with deposit accounts, payments, overdraft and savings, comparable to the bank apps already listed.","verifier":"list check","decided_at":"2026-10-15T10:54:36.044Z","attempts":1,"current":true},{"verdict":"keep","reason":"Title and subtitle say mobile banking and 'Bank'; offers deposit accounts, savings APY, direct deposit and fee-free overdraft.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-10T04:57:02.941Z","attempts":1,"current":false},{"verdict":"keep","reason":"Positioned as mobile banking with deposit accounts, savings APY, direct deposit and fee-free overdraft.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]}]},"data_version":38370,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/onepay-mobile-banking-1494523953/"}}