One (One Finance) review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
One Finance offers a US robo portfolio of ETFs and crypto, wrapped in ira and roth ira accounts and backed by SIPC up to USD 500,000. It suits US savers who want automated retirement investing, a small starting amount and help by phone, chat or a help centre.
Key facts
- Best for
- US savers who want a retirement account and a small first contribution.
- Minimum investment
- $1 (Source, checked September 26, 2026)
- Regulators
- FINRA, SIPC, NMLS (Source, checked September 26, 2026)
- Investor protection
- SIPC up to USD 500,000 (Source, checked September 26, 2026)
- Account types
- IRA, Roth-IRA (Source, checked September 26, 2026)
- Portfolio types
- ETF, Crypto (Source, checked September 26, 2026)
- Legal entity
- One Finance, Inc. (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Help-centre (Source, checked September 26, 2026)
- Official website
- one.app
Apps and profiles
- Get the app
- App Store
- Elsewhere
- LinkedInXone-web.app.link
Pros and cons
Pros
- Retirement account choice of ira and roth ira for long-term savers.
- Registered with FINRA, SIPC and NMLS and backed by SIPC up to USD 500,000.
- Help on phone, chat and help centre, so a phone call is possible as well as chat.
- An automated mix of etf and crypto that runs without you picking funds.
Cons
- Built for the US market, with the entity based in the United States and accounts limited to ira and roth ira.
- Crypto sits in etf and crypto, which can add sharp swings to a portfolio.
- Across the brands compared here, 70.15% of retail money was lost, so losses should be expected.
Who it suits
- US savers building a retirement pot rather than trading frequently.
- People happy with an automated etf and crypto portfolio decided for them.
- Anyone who values phone, chat and help centre when they need help.
Who should look elsewhere
- UK and European investors, since Vivid Standard is set up in euro at €2.
- People starting with a much larger sum, who can compare Axos Invest and its $100 entry point.
Safety and regulation
One is a US firm registered with FINRA, SIPC and NMLS. Its registrations carry FINRA number 310890 and NMLS number 2460509. Money on the platform falls under a protection scheme that provides SIPC up to USD 500,000, so a broker failure would not hand back the full balance above that level.
Who runs it
The company behind the app is One Finance, Inc., headquartered in the United States, and the investment side carries the same FINRA and NMLS registrations. Support runs on phone, chat and help centre, so a call or a chat sits alongside the help centre rather than email alone.
How One (One Finance) compares
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Where One (One Finance) is available
- Available
- United States
- Licence in United States
- FINRA (310890), checked September 26, 2026
- Licence in United States
- SIPC, checked September 26, 2026
- Licence in United States
- NMLS (2460509), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is the minimum investment at One?+
You can start from $1. That sits well under €560.82, the point that three quarters of the robo advisors compared here fall below. For anyone building a portfolio in stages, the entry amount is unlikely to be the obstacle.
Which accounts can I open?+
One offers ira and roth ira accounts. That is a retirement focus rather than a spread of general investment accounts, so the service is built around long-term saving in a US wrapper. If you want a taxable general account, this is not the range to look at.
Is my money protected?+
One is listed with FINRA, SIPC and NMLS, and its customer protection is SIPC up to USD 500,000. That is a capped figure rather than full balance cover, so it is worth checking what the scheme includes before you hold a large sum with this broker.
Who runs One?+
The company behind the app is One Finance, Inc., based in the United States. Its registrations carry FINRA number 310890 and NMLS number 2460509, which are the licences to look up if you want to check the firm yourself.
What can I hold in a One portfolio?+
Portfolios are built from etf and crypto, so the range is an ETF sleeve alongside crypto. That is narrower than a fund shop, with no pick-your-own share dealing described here. It suits hands-off investors who accept that the mix is decided for them.
How do I contact support?+
Support runs on phone, chat and help centre, so you can call, chat or use the help centre. Email is not in that list, which makes phone and chat the quicker routes for anything urgent. The help centre also holds reference material for account questions.
How much do investors typically lose?+
Across the brands compared here, three quarters sit at or below 74.5% in retail losses, with the middle at 70.15%. Losing money is a normal outcome in this field, so a One portfolio holding etf and crypto should hold money you can leave in place.
Can I use One from the UK or Europe?+
One is a US operation, with the entity based in the United States and the accounts listed as ira and roth ira, both of them US retirement accounts. Readers in the UK or Europe are better served by a provider set up for their own market and currency.
Sources
- one.app checked September 26, 2026
Backs: Portfolio types, Support channels
“You can invest in stocks and exchange-traded funds (ETFs); Buy, sell, and track cryptocurrency in the app.”
- one.app/legal/licenses checked September 26, 2026
Backs: Headquarters
“One Finance, Inc., NMLS 2273210, holds the following licenses and registrations.”
- onepay.com/invest checked September 26, 2026
Backs: Investor protection, Minimum investment, Regulators, Licences
“Start investing with as little as $1.”
- onepay.com/ira checked September 26, 2026
Backs: Account types
“We offer both Roth and traditional IRAs.”
- onepay.com/legal/terms-of-service checked September 26, 2026
Backs: Legal entity
“These OnePay Terms of Service govern your access to and use of the products offered by One Finance, Inc., OneProgress Services LLC, OneProgress Assets LLC, Payment Progress LLC and One Growth...”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Management fee.
Related by the facts
One (One Finance)
US savers who want a retirement account and a small first contribution.