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About One Bank

One Bank has been active since the 2000's. Our mission is to promote a just and sustainable society. With approximately 260 employees, we work hard every day to make the world a better place.

For 60 years, our mission as a bank has been to promote the sustainability of society. With the money that our customers entrust to us, we stimulate sustainable progress. In this way, we contribute to a world where people can live safely and healthily and nature is protected, now and in the future.

With money you can exert a lot of influence to make the world more beautiful. For ourselves and for future generations. That is why we as a bank invest in sustainable development.

Our 3 sustainable promises

1- We only invest the money that clients entrust to us in countries, companies and projects that meet our sustainability policy. We do not invest in the arms industry, nuclear energy, coal, oil and gas. But we do finance sustainable energy, housing and governments, for example. We also share our methods for measuring sustainable progress with other financial institutions. In this way, we help them to deal with money more sustainably.
2- We help to realize innovative, sustainable ideas With campaigns and our platform we put sustainable entrepreneurs and initiators in the spotlight. We help them grow so that they can make even more impact.
3 -We make sustainability accessible to everyone
Making sustainable choices as understandable and inspiring as possible. That's what we're all about. But we also like to think along with you about larger issues such as making your home more sustainable: for example with the One Bank Mortgage.

Our Bank Cards

At One Bank, we offer a range of bank cards designed to meet your financial needs, whether for everyday purchases or travel abroad. Our cards provide flexibility, security, and rewards to enhance your banking experience.

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OneBank Debit Card
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No Annual Fees: Enjoy zero annual fees on our debit card for seamless transactions. Contactless Payments: Fast and secure contactless payments for your daily purchases. Instant Transaction Alerts: Get real-time notifications on your mobile for every transaction.

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OneBank Credit Card
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Flexible Spending Limits: Tailor your spending limits based on your financial needs. Low Interest Rates: Competitive rates for easy credit management. Rewards Program: Earn points on every purchase, redeemable for travel, shopping, and more.

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OneBank Premium Card
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Exclusive Privileges: Access VIP lounges, travel insurance, and concierge services. Higher Limits: Enjoy higher spending limits and tailored benefits for premium users. Travel Benefits: No foreign transaction fees and free ATM withdrawals abroad.

Best Place To Earn Money Online

One Bank was established with a vision to revolutionize the banking experience by providing secure, innovative, and accessible financial solutions. Combining advanced technology with a customer-centric approach, One Bank offers a seamless online banking platform that empowers individuals and businesses to manage their finances anytime, anywhere. With a commitment to transparency, security, and efficiency, One Bank aims to redefine the way people interact with their money.

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Personal loan

The advantages of a personal loan Sometimes you don't have enough cash to finance the project of your dreams. Planning a wedding, traveling, changing cars, or doing chores are expensive life projects that sometimes require a personal loan. At One Bank, we are offering you a new 100% online personal loan experience for the financing of your project; you can sign your contract remotely and directly download your documents required to complete your personal credit report. This online personal loan application experience is simple, fast and transparent. A financing solution that allows you, in addition, to benefit from a particularly attractive fixed annual borrowing rate (or annual percentage rate). Enough to bring your project to life without having to worry about the next day! What is a personal loan? A personal loan is a credit that is said to be "unaffected". Indeed, the amount borrowed from a personal loan does not correspond to the precise purchase of a property (car, motorcycle, real estate, etc.). Therefore, the personal loan is not triggered on presentation of an invoice as for "assigned" loans, but simply meets a household cash requirement. Ultimately, the borrower is free to use the amount of the loan as he sees fit, whether for financing a consumer good (car, refrigerator, food, etc.) or for any other service. This type of credit can be issued either by a bank or by a financing organization specializing in loans. The repayment of a personal loan is usually done every month. Its duration, stipulated in the contract, varies according to the amount of the loan and the financial capacities of the borrower. The monthly payments take into account the total amount of the loan and its duration, the APR (annual percentage rate) as well as the insurance, if the borrower has subscribed to it. What about borrower death insurance? Before granting credit, the lender may require the borrower to take out insurance. And this, although the law does not require it. In any case, it is in the borrower's best interest to consider this optional insurance. Because in the event of a payment incident resulting, for example, from loss of employment or death, it is the insurance that will reimburse the outstanding capital. It is also important to know that, even if the lender offers you to insure your personal loan, you are free to contact the establishment of your choice. Supporting documents to set up a personal loan file The acceptance of a personal loan depends mainly on the resources and assets of the applicant. It is indeed crucial to ensure, upstream, that its financial situation and capital will enable it to meet the monthly repayment installments. Thus, for the assembly of your file, One Bank requests the supporting documents required by law or in accordance with the practices of banking establishments. However, we will not ask you to provide original documents: you just need to upload your supporting documents on our platform. Finally, you will be asked to provide a complete file to be able to obtain a loan offer.

Loan without contribution

How to borrow without contribution? When you need a personal loan or a mortgage for a project that is important to us, releasing an amount to constitute a personal contribution is not always easy. To avoid this problem, lending institutions offer their customers to take out loans without contribution. What are the advantages and limitations of this formula? How to borrow without contribution? In which cases is a personal contribution necessary? How to get a loan without personal contribution? Before granting credit without personal contribution, lending institutions examine the financial situation of the borrower. The many conditions to be fulfilled can be classified into 3 categories: a stable professional situation, which ensures regular income over time. Concretely, this very often involves a work contract in C.D.I., with a seniority of several years to reinforce the solidity of the file; a comfortable living space, which allows a sufficient level of current expenses. By deducting the due dates from the amount of income, the credit institution calculates a remainder to be lived. This must be sufficient to maintain a satisfactory standard of living once the loan has been obtained without contribution; a flawless financial history, which reassures the ability to keep its commitments. Defaulting payments on old loans, and good management of your accounts in the past gives confidence and increases the chances of getting a loan without a personal contribution. What are the limits of the personal contribution? Despite these undeniable financial advantages, it is sometimes preferable to obtain a loan without contribution. This is especially the case when the rates offered depend on the amount of the loan. Example: 5% interest rate for an amount less than € 10,000 or 3% for an amount greater than or equal to € 10,000. The car buyer in the example above then has an interest in borrowing without a down payment if he wants to benefit from the reduced declining rate. You must also be careful not to dip too much into your precautionary savings to make your personal contribution. Keeping a minimum of available cash is essential to deal with an unforeseen event.

Loan between individuals

What is the loan between individuals? One Bank is the first platform in Switzerland for lending without bankers. We offer a credit from a collaborative system, but it is not a credit between individuals per se. Credit funds are collected from professional investors (individuals, companies, pension funds, insurers, foundations, etc.). Explanations on the specifics and mode of operation of the loan between individuals. Credit between individuals: a new term The loan or credit between individuals has been a "fashionable" term for a few years now. Some borrower profiles no longer trusting banks are now turning to the collaborative system to apply for credit. In the United States, the loan between individuals has already existed since 2006 with the first global platform for credit between individuals: Lending Club. This company, founded by a Frenchman, was a real success from its launch. Almost ten years later, it claims to have granted more than 4 billion euros in loans. Information and form of a loan agreement between individuals The loan between individuals is governed in the same way as a "classic" credit. This inevitably implies the establishment of a contract between the borrower and the private lender. This writing can take the form: Or a loan contract (form n ° 2062, to be signed by the borrower and the lender, who each keep a copy). Or an acknowledgment of debt (to be drafted, dated and signed by the borrower; an original for the lender, another for the tax department, and a copy for the borrower). Beyond 1,500 euros, this document must be drawn up by a notary. Said contract must mainly mention: The names, surnames and full addresses of both parties; The loan conditions (amount, duration, frequency of monthly repayments, interest rate)

Car loan

Auto credit, what is it? A car loan is a loan intended to finance the purchase of a new or used car. It falls into the category of consumer credit. This type of loan is triggered when you buy a car and cannot be used for the purchase of another asset, like a motorcycle loan. This is then referred to as affected credit. Thus, it differs from a personal loan which aims to strengthen a cash flow. The car loan or car loan is therefore better perceived by a banker than the personal loan. Auto credit between a new or used car For the purchase of a new or used vehicle, the way the auto loan works does not change. Obviously, prices are very often different between a new and used vehicle. Therefore, the volume of credit is not the same. But in the case of a new vehicle, the banker takes into account the contribution of cash to the resale of the vehicle if this takes place within the first 5 years after the purchase. In the case of a used car, even if the price is less important, the cash inflow on resale is often less. Before taking out a car loan, carefully calculate your car borrowing capacity so that you have an idea of the maximum loan you can apply for.

Works credit

Is your home in need of a facelift? Do you want to enlarge? Yes, but renovation or eco-renovation work, like development work, often comes at a significant cost. To make your project a reality, opt for a works credit! One Bank accompanies you, advises you and offers you a cheap work loan, which you can contract online in just a few minutes. Focus on this type of consumer loan! What is a works credit? The work loan is a type of personal loan that can be assigned to the performance of the work, that is to say that can only be used for the performance of said work. This borrowing solution is more and more popular with households wishing to beautify or renovate their homes. Especially since it applies to both a primary residence and a rental or secondary residence. Granted by a bank or a credit institution, work credit belongs to the category of consumer credit. The works credit allows the borrower to finance works of any kind. For example, it could be: Maintenance work (roof, pipes, garden, parking, electricity ...); Development work (attic, kitchen, veranda, bathroom, etc.); Extension work (extension through a veranda, raising the apartment, fitting out the attic ...); Decoration work (painting, plaster, tapestry ...); Renovation or energy performance improvement work (roof insulation, roof insulation, replacement of windows, improvement of the heating system, etc.).

Consumer credit

Consumer credit, what is it? Consumer credit is a loan that concerns operations other than those relating to real estate. More specifically, it responds to a cash flow requirement of a borrower wishing to finance the purchase of consumer goods. It is therefore not necessarily an affected credit, that is to say a credit that is triggered on the purchase of a product and the presentation of its invoice (as for car credit). A consumer loan is granted by a specialized credit institution or a bank to the extent that the borrower is able to repay it. Thus, any borrower must know his consumption borrowing capacity before applying for consumer credit and learn about the borrowing rates offered by the consumer credit market. Consumer loan: what amount can be borrowed, and for what duration? The amount of consumer loans offered by One BANK is set between 1,000 and 50,000 euros. The repayment period depends on the capacities of the borrower, but also on the amount of the loan itself. At Opti Secure Bank , you can borrow between 6 months and 84 months.

Frequently Asked Question

At One Bank, we understand that managing your finances online can raise questions. To make your experience as smooth as possible, we’ve compiled answers to the most frequently asked questions. Whether it’s about opening an account, applying for a loan, or ensuring the security of your transactions, you’ll find all the information you need right here.

Opening an account is simple and fast. Just fill out the online form, provide the required identification documents, and validate your registration. Once approved, you will receive your credentials to access your client area.

We offer current accounts, savings accounts, and specific accounts for professionals and businesses. Each account provides benefits tailored to your financial needs.

Once your application is approved, the funds will be deposited into your account within 24 hours, depending on your contract conditions.

Yes, all your transactions are protected by advanced SSL/TLS encryption, ensuring the security and confidentiality of your personal and financial data.

Our banking fees are transparent with no hidden charges. You can view the full fee schedule on our website or in your client area. We also offer fee-free services for certain common transactions.

If you suspect fraud or see an unauthorized transaction on your account, contact our 24/7 customer service immediately for prompt assistance and follow-up.

Absolutely! Our team of advisors is available via online chat, email, or phone to answer your questions and guide you through your banking processes.