Your personalized roadmap to a secure financial future

Onuu’s smart banking, life insurance, and personalized guidance empower you to grow your net worth and reach your goals.

App Store download
Google Play download
Join the waitlist to be one of the first to get access to Onuu and get a $50 balance in your Onuu account when you become a member.

What you get with an Onuu membership

Smart banking and personalized financial guidance, all in one place

Financial Guidance

Plan for the future

Our virtual financial guide, Candi, helps you stay on top of your goals with 24/7 support, personalized recommendations, and practical tips for improving your finances.

Checking Account

Keep your money
in check

Track your spending and keep your money safe with a checking account.

Debit Card

Spend without debt

Easily access funds and pay by card right from your checking account without any fees.

Growth Saver


Onuu’s Growth Saver makes growing your savings automatic and effortless, with 2% APY and zero fees. Our virtual financial guide Candi will analyze your accounts to determine when to save, so you can reach your financial goals faster.

Credit Card | Coming Soon

Build credit responsibly

With no FICO score requirements, a credit line up to $15,000, timely payment reminders, and a variable APR as low as 12.99%, your Onuu credit card helps you build credit responsibly.

Onuu | Financial security based on you
Life Insurance

Increase your financial protection

As an Onuu member, you will receive a guaranteed offer of life or accident insurance to provide a safety net for your loved ones. Just answer three simple questions in the Onuu app—no medical exam is required—and receive your guaranteed offer.

We take your security seriously

Onuu | FDIC-insured


Your money is FDIC-insured up to
$250,000 through Evolve Bank & Trust.

Onuu | Privacy and Security

Privacy and Security

Your money is protected by bank-grade encyption and authentication.

Onuu debit cards are protected by the Visa Zero Liability Policy

Visa Zero Liability

Onuu debit cards are protected by the Visa Zero Liability Policy, ensuring that you won’t be responsible for unauthorized charges.

Membership that pays for itself

Pay monthly or annually and watch your finances grow.

Monthly Plan
$7.99/ month
+$4.16 Monthly Deposit Bonus*1
Get the App
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Annual Plan
$74.99/ year
+$50 One-time Deposit Bonus*2
Get the App
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Best Value

*Deposit bonuses will arrive in your Onuu account 30 days after membership payment has cleared.
1. Monthly plan members will receive the $50 into their Onuu account in 12 monthly installments of $4.16.
2. Annual plan members will receive the $50 in full into their Onuu account.

Membership includes:

Onuu | Candi, your personalized financial guidance
Onuu | Checking Account
Onuu | Debit Card
Onuu | Savings Account
Onuu | Credit Card
+ Guaranteed life and/or accident insurance offer if you apply

Got questions?

Talking about money can be intimidating.
We’re here to help you make sense of it all.

What is Onuu?

Onuu is a membership that gives you access to banking, credit card, and personalized financial guidance — all in one place. We’ll set you up with our virtual financial guide, Candi, who provides 24/7 support and practical tips to help you achieve your financial goals, from improving your credit with your Onuu credit card to saving smarter with Onuu’s banking tools. We also offer term life insurance for as little as $12/month for up to $250,000 coverage.

How does Onuu make money?

Onuu is a membership-based business, which means we make money through membership fees. Unlike most membership-based services, Onuu’s exclusive products are designed to be affordable and accessible, providing unique value to those seeking financial security.

What’s unique about Onuu’s approach?

Onuu provides a one-stop-shop for our members’ financial lives at an affordable price. With a full view into each member’s financial behaviors, assets, and goals, we’re able to personalize our recommendations and initial insurance offering — and continue making adjustments — as their life situations and finances evolve.

Who is the issuer of the Onuu Life Insurance?

Onuu Life Insurance is issued through our partner AAA Life Insurance Company.

How do I invite friends to join Onuu?

We’re so glad you want to share the Onuu wealth! To refer your friends and family to Onuu, simply find “Invite friends” right in the Onuu app. You’ll get $50 in your Onuu account for every person you refer who becomes a member! (Note: you’ll get monthly installments of $4.16 if your friend pays for a monthly Onuu membership, but if they choose to pay annually, we’ll drop $50 in your account up front.)

Why do I need life insurance?

Life insurance provides financial protection to loved ones who depend on you and can also help build generational wealth. Even if you don’t have dependents, life insurance covers funeral expenses and any debts you may owe that your relatives would otherwise have to cover in the event of your passing.

Can I cancel my Onuu membership?

To cancel your Onuu membership, we require 30-day notice. We don't refund annual memberships.

What is the Financial Security Roadmap? 

Every Onuu member is provided with a personalized financial security roadmap from our virtual guide, Candi. This roadmap includes individualized recommendations based on your unique financial goals, assets, behaviors, and more. It allows you to check in on your progress in real time to help you stay on track with your financial security goals. Throughout your journey, Candi will work with you to monitor and improve your progress so that you can learn financially sustainable habits, both short- and long-term, while building your net worth.

What does Onuu do with my personal information?

To ensure we can provide you with the best services possible, we sometimes have to share your information with our service providers and collect information about the device through which you access the Onuu app. All details are explained fully in our Privacy Policy page.

What is your credit card interest rate?

A variable APR will range from 12.99% to 29.99%.

Can anyone become an Onuu member?

Absolutely — you can do so right from the Onuu app or by reaching out to us at Please note: we require 30-day notice to cancel memberships, and do not refund annual memberships.

Have more questions?

Go to FAQs
Go to FAQs

Get the
Onuu app

Scan the QR code below with your camera and you’ll  be redirected to the app store. Just download the Onuu app and you’ll be one step closer to financial security.