Salary-ready
Give supported details to employers and keep payday separate from spending.
ONEO Personal
Money without borders
One app for daily money, global travel, cards, savings, investing, crypto access and help when plans change. Built for people who earn in one place, spend in another and expect their money to keep up.
为跨境生活、旅行与日常资金管理而生。
36+Currencies to hold, spend and exchange
170+Countries for card spend and transfers
4.8Illustrative customer satisfaction score
24/7Freeze cards, devices and sessions
Trust framework
Switzerland-headquartered fintech platform
Visa and Mastercard partner rails where available
Segregated funds through eligible partner institutions
Verification, monitoring and app controls built in
Claims are illustrative and subject to market availability, product terms and partner arrangements.
Accounts
A global account for salary, bills and everyday life
Receive salary, pay rent, split dinners and hold travel money without turning your phone into a folder of finance apps.
Hold multiple currencies and use local details such as IBAN, ABA or SGD account information where ONEO partners provide them.
Multi-currency
Prepare USD, EUR, GBP, SGD and more before travel or bills arrive.
Local details
Use market-specific details where eligibility and partners support them.
Statements
Search activity and export records for admin days.
Cards
Cards for the way you actually spend
Physical, virtual and metal ONEO cards put controls beside every payment. Freeze instantly, pay with wallets where supported and use the right card for each moment.
Tap, withdraw, travel
Use an everyday ONEO card for shops, subscriptions and foreign-currency spend, with app controls that keep decisions close.
Online cards in seconds
Create virtual cards for shopping, trials, subscriptions and travel bookings without exposing your main card details.
A heavier card for heavier use
Metal plans pair premium card feel with travel, lifestyle and support benefits where available.
Send & Receive
Move money like a local across global corridors
Send to friends, family and your own accounts with route, fee and timing shown before you confirm. Use local rails where partners provide them and international routes when they are the right fit.
P2P
Split a meal, settle rent or send support without losing track of the conversation.
Send money →
Local rails
Use domestic-style routes where market partners support them.
Account details →
International
Convert, send and track global transfers with fewer surprises.
Global transfers →Money management
Know where the month is going
Budgets, subscriptions and category views help you spot changes before month-end. Travel spend, online shopping and recurring bills sit in the same timeline.
AIR can explain trends in plain English, while you stay in control of the decisions.
Savings goals
Save for trips, buffers and big goals
Create named pockets for the money you do not want to accidentally spend. Top up manually, schedule routines and watch the target move closer.
Savings rates, deposit structure and protections vary by country, partner and eligibility.
Lifestyle
Travel, pay and stay connected
ONEO Personal brings daily money and travel tools together, from FX and ATMs to wallets, lounges and mobile data where market partners support them.
Exchange before the airport
Hold travel money, check rates and spend from the balance that makes sense for the trip.
Cash when cards are not enough
Use ATM access where supported, with limits, fees and availability shown under your plan terms.
Pay with the device in your hand
Add eligible ONEO cards to Apple Pay or Google Pay in supported countries and spend with app controls nearby.
Perks for heavier travel
Eligible plans may include lounge, insurance-style or assistance benefits through partners.
Investments
Stocks and commodities with risk made visible
Build watchlists, learn the basics and invest where products are available. ONEO keeps risk language close to the action instead of hiding it below the page.
Capital at risk. Investments can fall as well as rise. This is not financial advice.
Crypto access
Crypto, Ramp and X without the hype
ONEO crypto products are for eligible users who understand high risk. Access, ramp flows and ONEO X experiences are subject to country rules, partner controls and product terms.
Crypto
Buy, sell and learn where available. Cryptoassets can be extremely volatile.
Crypto risk →ONEO Ramp
Move between eligible money and crypto products with fee and route visibility.
Ramp →ONEO X
A premium crypto-adjacent product experience, not a Personal plan tier.
ONEO X →High risk. You could lose all the money you put in. Not investment advice. Availability varies.
Security
Controls for the moment something feels off
Freeze cards, report a lost device, review sessions and get guided support from inside the app. Sensitive actions use verification and monitoring designed for real life.
Card freeze
Stop new spend in seconds and unfreeze when you are sure.
Device control
Lock down access if your phone disappears.
Activity review
Spot unusual merchants, currencies and routes.
Support path
Escalate suspicious activity with verified support.
Mobile & connectivity
Phone plans for people who move
Manage mobile and data products beside the money you use to pay for them. Availability, networks and device support vary by market.
Mobile plans
Browse supported plan options and renewal details in app.
Mobile plans →
Data plans
Prepare data for travel days, remote work and back-up moments.
Data plans →
Global travel
Track connectivity spend, card spend and travel budgets together.
Budget travel →ONEO AI
Ask AIR before money gets messy
AIR can explain spending movement, surface help articles and suggest budgeting prompts based on your ONEO activity.
AIR is not legal, tax, medical or financial advice. Verify important decisions with qualified professionals or official support.
Get started
Open ONEO Personal in three steps
01
Create your profile
Open an account, verify identity with supported documents and secure the device you trust.
02
Add money
Receive salary, transfer in, exchange currencies or connect eligible accounts where supported.
03
Live globally
Spend, send, save, invest and ask AIR when you need help moving faster.
Customer stories
Built for different money lives
"I can land, pay for transport, check the FX hit and keep the rest of my trip budget in one view."Maya, frequent traveller
"Client income, tax pockets and virtual cards make freelance admin feel less like a second job."Daniel, independent designer
"Our family uses goal pockets for school trips and shared expenses without mixing every private purchase."Leah, parent of two
ONEO · Personal plans
Choose your ONEO plan
Everyday essentials, richer travel, premium support and top-tier lifestyle benefits.
Standard
$0/month
Core account, card, transfers, security and budgeting tools.
Plus
$3.99/month
Extra daily controls, card features and support allowances.
Premium
$9.99/month
Travel allowances, richer support and lifestyle benefits.
Metal
$16.99/month
Metal card, premium travel and elevated daily limits.
Ultra
$45/month
Top-tier experiences, priority support and expanded partner perks.
Explore
All Personal products
Bank Account →
Joint Account →
Professional Account →
Savings Account →
Cards →
Send & Receive →
Money Management →
ONEO Points →
Linked Accounts →
Protect Your Money →
Report Lost Device →
Security Insight Report →
Stocks →
Stocks & Shares ISA →
Commodities →
Crypto →
ONEO Ramp →
ONEO X →
Mobile Plans →
Data Plans →
International Transfers →
AIR (ONEO AI) →
Contact Us →
Help Centre →
ONEO Personal is offered by ONEO Bank Pte. Ltd., a Switzerland-headquartered fintech platform. Banking, e-money, card, investment, crypto, telecom and support features are provided by ONEO or partner institutions depending on market, eligibility and verification.
Marketing figures and examples are illustrative. Investments and cryptoassets can lose value and are not financial advice. Mobile and data plans, local account details, transfer routes, savings rates, benefits and protections vary by country. Read the applicable ONEO Personal Terms before using any product.