OnePay Cash is a mobile banking app with a debit card that earns rewards on select brands. With OnePay Cash, you also get paid up to 2 days early with direct deposit.¹ No monthly fees or minimum account balances.
Sign up for OnePay Cash with a Rakuten link, and complete a minimum first direct deposit of $500 to get your cash back from Rakuten, plus more everyday benefits from OnePay Cash including:
3% cash back at Walmart on up to $150 spent per month²
High-yield savings
Credit Builder with zero fees or interest, and free credit scores
Terms & Exclusions
Exclusions: Cash Back is distributed by Rakuten and not OnePay. Cash Back is only available for new OnePay customers, one per Rakuten account, who open a OnePay Cash account through a Rakuten link and complete a minimum first Direct Deposit of $500 within 45 days of signup. The qualifying first Direct Deposit must be an automated payment method where funds, such as paychecks, gig platform payments, retirement payments, or government benefits like unemployment payments or Social Security, are electronically transferred to your account. Payments or transfers through person-to-person providers such as Venmo, PayPal or Cash App are not considered a Direct Deposit. Cash deposits, mobile check deposits, wire transfers, One to One transfers, and ACH funding or debit card funding transfers initiated from the OnePay app also do not qualify as Direct Deposits.
See your Rakuten account for details on when you will be paid by Rakuten.
OnePay is a financial technology company, not a bank. Loans through OneProgress Services LLC (NMLS ID 2460509) and banking services through OnePay are provided by Coastal Community Bank or Lead Bank, Members FDIC. OnePay Debit Card is issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard® International Incorporated.
Special Terms: ¹ Direct Deposit is required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.
² Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account pursuant to the terms found at onepay.com/rewards-terms. Only applies to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ as of the last day of the previous month. This reward applies to purchases at U.S. Walmart locations and on Walmart.com only and may not be combined with other OnePay Cash promotions for cash back at Walmart.
³ Only available to customers who initiate their account application through certain channels from 3/18/25 - 6/30/25. Cash back earned as OnePay Points. See terms at onepay.com/10percent.
⁴ Only applies to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other ATM transactions the OnePay ATM Fee will apply and third-party ATM fees may be incurred.
⁵ Average cash back amount is based on all Gas Reward provided as of August 2024. Cash back per gallon varies by location and can change anytime. Cash back is earned in the form of OnePay Points, which can be redeemed according to the terms found on onepay.com/rewards-terms, including as a deposit into a OnePay Cash account. Not available in New Jersey or Wisconsin.
Posting Time
Cash Back will be automatically added to your Rakuten account within a few weeks.
Start shopping with Rakuten. Over 3,500 stores pay us for sending them shoppers.
We’ll take you to their site. You shop.
Make a qualifying purchase and we’ll email you when Cash Back is added to your account.
Earn Cash Back. Cha-ching!
Get paid via PayPal or check as soon as 15 days of your first purchase. Then get paid quarterly.
Shopping Secrets
OnePay Cash makes it even more rewarding to shop at Walmart. For a limited time, get 10% cash back on your first Walmart purchase made within your first month, on up to $200 spent.³ Plus, with your direct deposit of $500+, earn 3% cash back at Walmart on up to $150 spent per month.² You can use your OnePay debit card or pay by phone with the OnePay app to checkout and earn.
