How It Works

Start. Split. Go.

Four steps, about a minute, and no one fronts the bill.

01
Start a card
Name it for what it's for, like Austin Trip, Apartment or Team Lunch. Then send the invite link by text or email.
- Takes about a minute
- Invite by link, text or email
Austin Trip 🤠
••••••••••••4821
04 / 28
onecardapp.com/join/austin-tripInvite
Mayajoined
Ryanjoined
Jessjoined
02
Set the split
Equal, by percentage, or fixed amounts per person. Change it whenever the group changes, and the next purchase follows the new split.
- Equal, percentage or fixed
- Change it anytime
Airbnb · Austin
$480.00
- Maya$120.00
- Ryan$120.00
- Jess$120.00
- Devin$120.00
Everyone pays the same
03
Everyone connects
Each person links their own bank account or debit card. That's the only setup they ever do.
- Their own account
- Never pooled
Maya
Chase ••12
Ryan
Debit card ••88
Jess
Affirm
Devin
Wells Fargo ••03
Each account stays private to its owner
04
Go.
The card is live the moment the group is. Add it to your phone's wallet to tap in stores, or use the number online.
- Mobile wallet ready
- Anywhere major networks run

A hand holding up a phone showing the OneCard sign-in screen, trees behind

At the register

One tap. Four charges. Same moment.

There's no shared balance and no one in the middle. The purchase is split as it's made, and each share is drawn straight from that person's own account.