One Point BankFeatures
One app. Every dollar. Total control.
We built One Point to replace four apps with one — banking, cards, savings, and insights, all in seconds.
Move money
Instant ACH & wire
Send to any US bank in seconds, not days.
P2P transfers
Pay friends by phone number — no fees, ever.
Bill pay
Schedule one-off or recurring bills from any account.
International wires
Send to 100+ countries at the mid-market rate.
Spend
Metal debit card
Tap-to-pay anywhere, with 2% cash back.
Virtual cards
Spin up disposable numbers per merchant.
Apple & Google Pay
Add cards to any wallet in two taps.
Spend controls
Per-card limits, merchant categories, freeze.
Grow
High-yield savings
Up to 4.5% APY on every dollar in savings.
Round-ups
Save the spare change from every swipe.
Goals
Earmark money for what matters and watch it grow.
Insights
Real-time spending breakdowns and forecasts.