ONE@Work (formerly Even) v10.108.1

ONE Finance, Inc.

About this app

The ONE@Work app, formerly known as Even, solves the problem of financial management for individuals by providing a platform to manage their pay and finances effectively. This app benefits those who need help with budgeting and financial planning, particularly individuals with variable income or those who struggle with saving. Compared to alternatives in the Finance category, ONE@Work stands out due to its high user rating and download numbers, indicating a strong reputation and user satisfaction. However, its lack of detailed financial analysis tools may make it less comprehensive than some other finance apps.

Pros

With over 1 million downloads and a 4.8/5 user rating, ONE@Work demonstrates strong social proof and user satisfaction, indicating a well-designed and effective app.
The app's free model with no ads or in-app purchases ensures a seamless and distraction-free user experience, allowing users to focus on their financial management without interruptions.
The developer's reputation, as evidenced by the high rating and positive reviews, suggests a commitment to user needs and privacy, making it a trustworthy choice for sensitive financial information.
The app's requirement of zero permissions is a significant advantage, minimizing potential privacy risks and ensuring that user data is protected.
Regular updates, as indicated by the version number, suggest that the developer is actively maintaining and improving the app, which is crucial for a finance app that needs to adapt to changing user needs and security standards.

Cons

The lack of detailed financial analysis tools and investment tracking features may limit the app's usefulness for users who require more comprehensive financial management capabilities.
Although the app has a high rating, some users may find the interface or features too simplistic, which could be a drawback for those seeking more advanced financial planning tools.
There is limited information available about the app's data collection and usage policies, which could be a concern for users who prioritize privacy and data security.
The app's compatibility with only Android 7.0 and above may exclude some users with older devices, potentially limiting its accessibility.

Best for: The ideal user for ONE@Work is an individual, likely between the ages of 25 and 50, who is tech-savvy enough to navigate a mobile app but may not have extensive financial management experience, and is looking for a straightforward, user-friendly platform to manage their pay, track expenses, and plan their finances effectively.

Developer Description

Your Pay, Your Way

ONE@Work (formerly Even) partners with leading employers, like Walmart, to provide simple tools that help you take control of your pay — without the hassle.

Through ONE@Work, you can:

-Get paid early* – With Instapay, access your net earnings before payday to help cover the unexpected. No fees** or hidden interest.

-Track your earnings – See your work schedule and track how much you’ll make per shift and per paycheck – no more guesswork.**

-Save automatically – Choose a percentage you want to save and we’ll deduct it from your paycheck automatically.

-Budget easily – When you connect your bank account, ONE@Work helps you calculate what’s okay to spend.

ONE@Work is only available as an employer-provided benefit.

ONE@Work Save is powered by Cross River Bank, Member FDIC or Coastal Community Bank, Member FDIC.

*Instapay is currently unavailable for Walmart associates in NY.

** Only available for members whose employers have configured this benefit within the app.

Privacy

Given that ONE@Work requires zero permissions, the risk of data collection for malicious purposes appears to be minimal. However, users should still be cautious when linking their financial accounts and ensure they understand the app's data usage policy. To enhance security, users should keep their device and app updated to the latest version.

Tips

To get the most out of ONE@Work, users should start by setting up their financial accounts and budgets carefully, taking advantage of the app's budgeting features to track their expenses effectively. Regularly reviewing and adjusting their financial plans within the app can also help users stay on top of their finances. Additionally, exploring the app's settings can reveal options for customizing the user experience and improving performance.