ONE Referral Program Terms

Effective as of December 28, 2020. ONE has updated the terms of the Referral Program.

To see your custom referral link, please click here.

What is the ONE Referral Program?

Invite friends to join ONE and you'll each get $50 when they complete their first qualifying direct deposit of $250 or more!

Receive up to $500 when you invite up to 10 people to join ONE. You will receive a $50 bonus for each person who signs up with ONE using your unique referral link and adds a qualifying paycheck direct deposit of $250 or more in a single transaction. Beginning at 12:01am PST on 12/28/20 and after, referred users must add their recurring paycheck direct deposit to their ONE account. The bonus will be deposited to the user’s Spend Pocket soon after the referred user completes a direct deposit. If a paycheck direct deposit is not recognized, please submit this form so that the correct team may assist you. Excludes money transfers and peer-to-peer payments. Learn more about what qualifies as a paycheck direct deposit here. 

How do I refer people using my unique referral link?

In the ONE app under Details, you’ll find the Invite section. Tap to get your unique referral link on the next screen. Copy your link and share with your people. You can send the link via a text message or email. By sending your referral link, you confirm you have the receiver’s consent to contact them.

How many people can I refer?

You can refer as many people as you’d like! At this time, you can only receive a bonus for up to 10 referrals who complete sign up and add a paycheck direct deposit of $250 or more in a single transaction.

How do my referrals earn me the bonus?

In order for you to be eligible to receive a referral bonus, each referral must apply to ONE using your unique referral link, be approved for a ONE account, and add a qualifying paycheck direct deposit of $250 or more in a single transaction. If the referral link they used to sign up doesn’t match your unique referral link, you will not receive the referral bonus.

If my referral applies for a ONE account another way, will I receive a bonus for the referral?

No, your referral must apply using your unique referral link in order for you to receive the referral bonus.

How much can I receive through ONE’s Referral Program?

You can receive $50 for each referral, up to 10 referrals per account at a maximum of $500 total referral bonus.

Will my referrals receive anything through the Referral Program?

Yes! Your referrals will also receive a $50 bonus by using your unique referral link when signing up and adding a paycheck direct deposit of $250 or more in a single transaction.

What if my referral already has a ONE account?

If your referral already has a ONE account, neither of you will qualify for the bonus.

Can I open a second account to get a new referral link?

No, you are not allowed to have a second ONE account.

When will I receive my referral bonus?

Please allow up to ten business days for any referral bonus to be deposited into your Spend Pocket after a referral successfully opens a ONE account using your unique referral link and adds a paycheck direct deposit of $250 or more in a single transaction.

How will I know when I receive my referral bonus?

Your referral bonus will appear in your Spend Pocket as “Referral Bonus.”* You’ll also receive an in-app notification and an email.

Will ONE tell me when my referral opens an account?

You will not be able to track your referral’s account progress. Due to the confidential nature, we will not disclose a referral’s information regarding the progress of their account set up.

I got referred. Will my referral know if I opened a ONE account and added a paycheck direct deposit?

By opening a ONE account using a unique referral link, you acknowledge and agree that your referee may be notified if you successfully complete opening a ONE account and adding a paycheck direct deposit of $250 or more in a single transaction. If you do not want your referee to have this information, please use this link to sign up for a ONE account instead.

Can any ONE customer participate in the Referral Program?

The Referral Program is open to all ONE customers with accounts in good standing. The unique referral link is intended only for people you know. ONE reserves the right to refuse to award a user the referral offer if it determines, in its sole discretion, that the bonus was claimed under wrongful or fraudulent circumstances. If we suspect that someone is abusing the Referral Program, for example, by posting their unique referral link publicly on social media, we may terminate their eligibility to receive referral bonuses. 

Will ONE make changes to the Referral Program?

ONE reserves the right to change the Referral Program terms and requirements, or terminate the Referral Program, at any time, in its sole discretion, and without notice. If you do not accept the changes made to the Referral Program, please do not participate or continue your participation in the Referral Program.

*Any Referral Program Bonus(es) you receive may be considered taxable income. Recipients of referral bonuses are responsible for any resulting federal, state, or other taxes.