FinTech News

Walmart’s OnePay Rolls Out Cryptocurrency Trading

by Kyle BurbankDec 18, 2025

The FinTech neobanking app backed by Walmart has added cryptocurrency support — and a bonus offer for customers.

About OnePay Crypto:

OnePay has rolled out cryptocurrency trading in its app. Now, users can buy and sell both Bitcoin and Ethereum. Additionally, customres curious about cryptocurrency can find educational materials explaining the basics. Note that, to be eligible to open a crypto trading account, customers must also have a OnePay Cash account as this balance will be used to fund cryptocurrency purchases.

When buying Bitcoin or Ethereum, users can purchase as little as one dollar’s worth. However, transaction fees may apply and can vary based on market conditions, order size, and other factors.

While customers can make one-time purchases of supported assets, OnePay also offers the ability to set up recurring buys or round-ups tied to OnePay debit card purchases. For example, users who opt-into crypto round-ups could make a purchase for $5.27 and have the app automatically use the 73¢ (bringing the total purchase to an even $6) to buy the selected coin. In this case, OnePay notes that round-ups will be aggregated throughout the day and must total at least 30¢ before an order will be placed. Once again, fees may also apply.

To celebrate the launch of this new feature, OnePay is offering customers the chance to score a bonus. Currently, those who open a new OnePay Crypto account can earn $5 in either Bitcoin or Ethereum.

More on OnePay:

Formerly known as ONE, OnePay is a neobanking app with checking and savings products. Perhaps most notably, those who unlock OnePay Cash+ by receiving at least $500 in direct deposits per month can earn 3% back on Walmart purchases (on up to $150 in spending per month) as well as 3.35% APY on savings. Recently, OnePay also launched the CashRewards credit card offering unlimited 3% back on Walmart purchases to all cardholders and 5% back to those who are Walmart+ members. The CashRewards card is issued by Synchrony Bank, while other OnePay banking services are provided by Coastal Community Bank and Lead Bank.

My Thoughts:

First, if you’re a OnePay user, you’ll probably want to claim this $5 bonus while you can. In my experience, it only took a minute and my Bitcoin was applied instantly.

As for actually using OnePay to trade crypto, although I like the idea of being able to purchase as little as $1, I don’t see that being good practice in reality. That’s because of the fees. Looking in the app this morning, there was a 25¢ fee on $1 of Bitcoin… while purchasing $5 also had the same 25¢ fee. This makes me wonder how much of your round-up cash will actually be used to purchase assets, as it would seem the majority is really just going to fees. I don’t have the exact answer on that, but it’s something to keep an eye on if you do choose this option.

Author

Kyle Burbank

Head Writer ~ Fioney

Kyle is the head writer for Fioney. He is a personal finance nerd, constantly looking for new apps and services to test and incorporate into his own financial game plan. In addition to his role at Fioney, he's written for other publications including Born2Invest, Lifehack, and Laughing Place, as well as his own site Money@30. He also creates personal finance and travel-related videos for Fioney's YouTube channel, which has garnered more than 2 million views. Currently, Kyle resides in Springfield, Missouri with his wife of 10 years. Together, they enjoy traveling (including visiting Disney Parks around the world), dining, and playing with their dog Rigby.

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