When can I start using oneBanking?

Soon. We know that's not the answer you want — trust us, we're refreshing our inbox too. But we won't launch until everything is bulletproof. Join the waitlist and you'll be the first to know.

How much does it cost?

There's a small one-time fee to open your account. After that, the free plan is yours for life — full access to core features, no monthly costs, no hidden charges. Want more power? Premium unlocks the full AI, lower fees, and reward multipliers.

Are there any fees associated with using oneBanking?

We keep it simple. No monthly fees on the free plan. No hidden charges. Ever. Transactions, crypto trades, and premium features have transparent fees — you always see exactly what you pay before you confirm. No surprises. That's a promise.

Is my money actually safe?

Yes. European regulated. Licensed in Malta. We partnered with the most trusted names in fintech — Connect Pay, OKX, Kraken, Tangem, S-PRO. Your money isn't just safe. It's protected like it's our own.

What's the deal with the AI?

It learns who you are — your habits, your goals, your stress points. Then it acts on your behalf. Saves money. Spots problems. Handles the boring stuff. But here's the rule: it never moves your money without asking first. Ever.

It stays yours. GDPR compliant from day one. We don't sell your data. We don't share it. Your AI learns locally. Privacy isn't a feature — it's a promise.

What if something goes wrong?

Then you will get supported by real humans. Always. Our AI handles most of the everyday stuff — but when you need a person, you get one. No chatbot loops. No 48-hour waits. Just real help, fast.

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BUILT FOR HUMANS

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BUILT FOR HUMANS

THIS WILL CHANGE THE WAY WE HANDLE MONEY FOREVER - WANT TO KNOW WHY?

EVERYTHING. IN ONE APP.

Banking and crypto united. Cards that fit your lifestyle. Rewards and investments that grow with you. AI that watches out over your money.

ANSWERS ALL YOUR
QUESTIONS.
SAVES WHILE YOU SLEEP.
ACTS WHEN YOU NEED IT.

THATS OUR AI.

EUROPEAN
IBAN ACCOUNT

Receive your salary, pay the bills, set up recurring payments and send money internationally. oneBanking includes a fully functional IBAN Account with SEPA Instant.

FULL CRYPTO
EXPERIENCE

Buy, Sell, Swap, Receive, Send.
All built in. You will never need to switch to another app again.

ALL YOUR ASSETS IN ONE PLACE.
MOVE THEM WITH A SINGLE SWIPE.

GROW YOUR MONEY WITH
INVESTMENTS
AND REWARDS

From stocks to gold to crypto. Your portfolio - simplified. And you also earn XP for every
action in the app that you can
convert into oneToken.

What is oneToken?

CARDS THAT YOU ACTUALLY
WANT TO CARRY

From custom designs to instant control, oneBanking cards fit your lifestyle perfectly—physical or digital, always secure, and built to pay anywhere in the world.

Money Made Simple.

That's it. That's our goal.

"I BELIEVE BANKING SHOULD WORK FOR YOU — NOT AGAINST YOU."

Wilfried Streiner - CEO

TECHNOLOGY DRIVEN.
BUT HUMAN WHEN IT MATTERS.

Neobanks made finance fast — but somewhere along the way, they forgot about you. No one picks up. Support tickets disappear. You're stuck talking to bots that don't understand.

We built oneBanking differently. Our AI handles your money 24/7 — smart, fast, automatic. But when something goes wrong, when you need real help, there's always a human. One tap away. No loops. No excuses.

Our promise. Always there.

SECURITY FIRST.
ALWAYS.

Your safety shaped every decision — from our product to our partners. Built to protect what matters most. Backed by industry leaders that are licensed in Europe.

Because trust isn't given — it's built.

Personal

Business

Growth

€9.90

Per month

Low monthly fees with accounting included. Virtual card, crypto wallets, and rewards – everything to get started.

Only 35€ for account opening

Low monthly fees

Fiat/Crypto Wallets

Virtual Credit Card

Regular Crypto-Fees

Accounting Inclusive

Collecting Rewards (no cashout)

Business (Recommended)

€19.90

Per month

Unlock AI features, cash out rewards, and get physical cards – with accounting and 2x multiplier included.

Free account opening

AI Features Unlocked

Virtual and Physical Debit Card

Fiat/Crypto Wallets

Free SEPA Instant Transfers

Lower Crypto-Fees

Accounting Inclusive

Reward Multiplier x2

Cashing out Rewards

Business +

€39.90

Per month

Maximum power: 4x rewards, lowest fees, AI trading tools, and full accounting – built for heavy users.

Free account opening

AI Features Unlocked

Virtual and Physical Debit Card

Fiat/Crypto Wallets

Free SEPA Instant Transfers

Lowest Crypto-Fees

Accounting Inclusive

Reward Multiplier x4

Cashing out Rewards

... and much more planned

Free

€0

Per month

No monthly fees with our free plan. Use the core features and collect rewards.

Only 15€ for account opening

No monthly fees

Virtual Credit Card

Fiat/Crypto Wallets

Crypto Fees starting at 1.5%

Collecting Rewards (no cashout)

Premium (Recommended)

€9.90

Per month

Unlock your AI coach. Cash out rewards and get a physical card.

Free account opening

AI Features Unlocked

Virtual and Physical Debit Card

Fiat/Crypto Wallets

Free SEPA Instant Transfers

Lower Fees

Reward Multiplier x2

Cashing out Rewards

Premium +

€19.90

Per month

Exclusive account for heavy banking users. Maximum rewards and discounts.

Free account opening

AI Features Unlocked

Virtual and Physical Debit Card

Fiat/Crypto Wallets

Free SEPA Instant Transfers

Lowest Fees

Reward Multiplier x4

Cashing out Rewards

... and much more planned

ALREADY IN DEVELOPMENT.

Not a concept. Not a pitch deck. Real code. Real progress every single week. We're building something that will change how you manage your money. Join the waitlist and be among the first to experience it.

THE BETA IS COMING SOON

This isn't a demo. It's the real app — running in
testnet with simulated funds. IBAN, crypto, everything.

NFT holders and token owners will be the first to test
the app before the official release.

BUILT RIGHT. NOT RUSHED.

We could rush. But we won't. This is finance — not a game. Every feature gets tested. Every partner signs off. Every line of code gets reviewed.

Your money, your trust — we don't gamble with that.

WE'RE JUST AS IMPATIENT.

"When launch?" — we get it daily. Honestly? We're refreshing our inbox too. But Tech doesn't do deadlines.

Join 10,000+ on the waitlist for instant launch news via email and WhatsApp!

MEET US AT

Text reading 'AI CONNECT ZÜRICH' in white bold letters on a black and green geometric background with logos for ONE BANKING and the phrase 'THE POWER OF AI.'

"AI CONNECT ZÜRICH" text in bold white letters on a black background with green diagonal accents, alongside small logos for ONE BANKING and THE POWER OF AI.

March 17, 2026

AI Connect ZÜRICH

Dübendorf, Switzerland

oneBanking Co-CEO Davide Zanfini takes the stage at this community-driven AI barcamp to share how oneBanking is shaping the future of banking.

Learn more →

March 20, 2026

FREI.RAUM 2026

Dresden, Germany

Join Sebastian Salomon's keynote on the future of banking at SprungKing Academy's entrepreneur congress alongside 200+ business leaders. Niklas Mertens will also be on-site representing oneBanking.

Learn more →

april 02, 2026

AI CONNECT LEIPZIG

Leipzig, Germany

oneBanking CPO Niklas Mertens joins AI Connect Leipzig – a community-driven AI barcamp where practitioners, developers, and decision-makers shape the agenda together. Real exchange, no buzzwords, and the perfect space to explore how oneBanking bridges smart technology with human-centered banking.

Learn more →

april 08, 2026

AI CONNECT BERLIN

berlin, Germany

oneBanking CPO Niklas Mertens joins AI Connect Berlin – a community-driven AI barcamp where practitioners, developers, and decision-makers shape the agenda together. Real exchange, no buzzwords, and the perfect space to explore how oneBanking bridges smart technology with human-centered banking.

Learn more →

april 11, 2026

LICHTER DER NEUEN ZEIT

Karben, Germany

Sebastian Salomon and Niklas Mertens take the stage at Lichter der Neuen Zeit – a community event organized by partner Thomas Wasik. oneBanking is featured as a partner for banking, crypto, and AI, with a short presentation and multiple mentions throughout the event. Scan the QR code on-site to join the oneBanking waitlist.

Learn more →

april 15+16, 2026

PARIS BLOCKCHAIN WEEK

paris, france

Marco attends Europe's leading institutional blockchain and digital assets conference, with 10,000+ decision-makers from 100+ countries. Key topics directly relevant to oneBanking: MiCA regulation, stablecoins, tokenization, custody, and the integration of digital assets into traditional financial systems.

Learn more →

FINANCE THAT FEELS LIKE FREEDOM.

Built so you can stop worrying.

LET IT GO. JUST LIVE.
WE GOT YOU COVERED.

BACKED BY THE BEST.

From the banking infrastructure in the background to the developers writing every line of code — we partnered with industry leaders who share our vision.
Proven technology. Zero compromises.

S-PRO

The team behind our app. We chose this Swiss-based engineering company for their proven track record in fintech and regulated industries. 250+ experts, hundreds of projects delivered, and the technical depth to build what we envisioned.

OKX

OKX ranks among the largest cryptocurrency exchanges globally, processing billions in daily trading volume. As our liquidity partner, OKX ensures seamless trade execution and competitive pricing across a wide range of digital assets.

Kraken

Kraken, founded in 2011, is one of the oldest and most trusted cryptocurrency exchanges in the industry. Known for its strong security track record and regulatory compliance, Kraken serves millions of users worldwide.

Tangem

Our hardware wallet partner. Founded in 2017 and headquartered in Zug, Switzerland, Tangem has redefined crypto security with their card-based cold wallets—slim as a bank card, secure as a bank vault. With EAL6+ certified chips, support for 6,000+ assets, and a setup that takes under a minute, they make self-custody simple and accessible.

BUILT BY BELIEVERS.

Wilfried Streiner

Chief Executive Officer

→ Visit Linked in Profile

"I was working on this vision for years. Together with my awesome team I brought it to life!"

Davide Zanfini

CO-Chief Executive Officer

→ Visit Linked in Profile

"There's no magic. Just work that others aren't willing to do."

Marco Kowalewski

Chief Digital Assets Officer

→ Visit Linked In Profile

"I started with Crypto long before it was cool. Now I make it easy for everyone to understand."

Niklas Mertens

Chief Partnership Officer

→ Visit Linked in Profile

"This team became family. Now we build a legacy together."

Ivan Marjanović

Chief Marketing Officer

→ Visit Linked In Profile

"My job? Make oneBanking impossible to ignore."
‍

Sebastian Salomon

Chief Growth Officer

→ Visit Linked In Profile

"Everyone talks about scaling. I care about why someone stays."

We didn't build oneBanking because the world needed another finance app. We built it because we were tired of apps that don't care, banks that don't listen, and systems that work against you.

This is different. This is yours.

STILL CURIOUS?

Here are the answers to the questions we get asked the most.
And if you can't find what you are looking for just hit us up. We answer everything.

BECOME PART OF
THE NEW ERA
OF BANKING

EVERYTHING. IN ONE APP.

Money Made Simple.

CHOOSE WHAT FITS TO YOU.

ALREADY IN DEVELOPMENT.

MEET US AT

FINANCE THAT FEELS LIKE FREEDOM.

BACKED BY THE BEST.

BUILT BY BELIEVERS.

STILL CURIOUS?

JOIN THE WAITLIST!

BECOME PART OFTHE NEW ERAOF BANKING

EVERYTHING. IN ONE APP.

Money Made Simple.

CHOOSE WHAT FITS TO YOU.

ALREADY IN DEVELOPMENT.

MEET US AT

FINANCE THAT FEELS LIKE FREEDOM.

BACKED BY THE BEST.

BUILT BY BELIEVERS.

STILL CURIOUS?

JOIN THE WAITLIST!

BECOME PART OF
THE NEW ERA
OF BANKING