One Banking Card Business
A plan byOne Banking Card · Visa/Mastercard
oneBanking (One Finance Limited, Malta) is an all-in-one app that combines a European IBAN account with SEPA Instant and a custodial crypto wallet in a single interface, with physical and virtual cards (Visa/Mastercard) and an AI assistant. The banking/EMI rails are provided by ConnectPay, a partner licensed in Europe. As of 2026-06-22 the product is still in waitlist/beta (launch announced for late June 2026). NOTE: the monthly fee is set to 0 because there is a Free plan at 0 EUR/month (with a one-time 15 EUR account-opening fee); fx_markup_pct, atm_fee_pct and atm_limit are set to 0 / 'Non documentato' because the company has not yet published these figures. anno_fondazione is 0 because it is undocumented.
Business
- canone_mensile_eur
- €20
- apertura_conto_eur
- Free
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | IBAN europeo (SEPA / SEPA Instant) |
| Network | Visa/Mastercard |
| ATM withdrawal | Free |
| Free ATM limit | Non documentato |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA |
| Regulator | Malta Financial Services Authority (MFSA) |
| Segment | B2C, B2B |
| Funding / solidity | One Finance Limited is a Malta-based fintech headquartered in Birkirkara (Malta) building oneBanking, an all-in-one app combining a European IBAN account, custodial crypto wallet, Visa/Mastercard card and an AI assistant. The banking/EMI features rely on the partner ConnectPay, licensed in Europe. |
| MiCA / License status | EMI (ConnectPay, partner emittente licenziato in Europa) |
Strengths
- European IBAN account with SEPA Instant integrated alongside the custodial crypto wallet
- Both physical and virtual cards, plus a Free plan at 0 EUR/month
- Single experience for fiat and crypto with an AI assistant
- No notable sovereignty advantage documented.
Weaknesses
- FX markup, ATM fees and ATM limits not published by the company
- Product still in waitlist/beta, not fully launched as of 2026-06-22
- Custodial wallet: crypto is not in the user's self-custody
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Custodial crypto card issued via the EMI partner ConnectPay (licensed in Europe) with a European IBAN account and SEPA Instant: the banking/EMI protection comes from the partner, while crypto is held in custody by the app. Still in waitlist/beta as of 2026-06-23.
Low sovereignty: custodial wallet, full KYC and a centralised account. The user does not hold the keys to their crypto.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Who issues the One Banking Card and where is it based?
The oneBanking app is operated by One Finance Limited, based in Birkirkara, Malta. The banking/EMI features rely on the partner ConnectPay, which is licensed in Europe.
Does it support SEPA Instant and an IBAN account?
Yes. oneBanking offers a European IBAN account with SEPA Instant transfers, alongside a custodial crypto wallet in the same app.
Sources
- Official service page Azienda · Sede legale Malta · IBAN SEPA Instant · Carta fisica/virtuale · +8 Data verified on Jun 23, 2026
- todey.xyz Payment network · Regioni · Custodial · SEPA Instant · +3 Data verified on Jun 22, 2026