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.

Join the waitlist to be one of the first to get access to Onuu and get $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 right from your checking account, with no fees.

Savings Account


Onuu’s smart savings account makes growing your savings effortless and automatic, with 2% APY and zero fees. Candi analyzes your accounts to determine the right times to save, so you can reach the goals on your financial security roadmap faster.

Credit Card | Coming Soon

Build credit responsibly

With no FICO score requirements, a credit line up to $5,000, timely payment reminders, and an APR as low as 19.99%, your Onuu credit card helps you build credit responsibly.

Life Insurance

Leave a safety net

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.

Coverage up to $250k starting at just $12/month

We take your security seriously


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

Privacy and Security

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

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.

Membership includes:

+ Optional life insurance starting at $12/month

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 a personalized plan to help meet your financial goals. Onuu does this by setting you up with your very own online financial guide, Candi, who will keep you motivated and on track to reach your goals, like improving your credit with your own Onuu credit card and savings goals through Onuu banking tools. Onuu also offers life insurance for as little as $12/month for up to $250,000 coverage to provide your family with extra protection should you pass away.

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 has a full financial view of our members which allows us to tailor our initial insurance offering and suggest adjustments as our members’ life situations evolve.

Is Onuu legit?

Onuu is an appointed agent for our life insurance partner.

How do I invite friends to join Onuu?

Invite your friends and family to join Onuu by logging into the Onuu app, navigating to the home screen, and selecting “Invite friends.”  You get $50 for every person you refer who becomes an Onuu member. You’ll be paid monthly installments of $4.16 for every user you refer as long as the referred user pays their monthly Onuu membership fees. (If the referred user chooses to pay annually for their Onuu membership, you will be paid $50 in full.) 

Why do I need life insurance?

Life insurance provides financial protection to the loved ones that depend on you in the event of your death. Even if you have no dependents, life insurance is important to cover funeral expenses that your relatives otherwise would have to pay and/or protect and pass on your assets.

Can I cancel my Onuu membership?

To cancel your Onuu membership, we require 30-day notice. We are not able to fun 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. 

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?

Typically the APR will range from 19.99% to 31.99%.

Can anyone become an Onuu member?

To become an Onuu member, you must be at least 18 years old, a legal resident of the United States, and meet all of our Membership Terms and Conditions. After completing our online application process and becoming an Onuu member, you’ll be able to apply for our individual products, such as Onuu Life Insurance, Checking Account, Credit Card, and Savings Account. Keep in mind that each product has its own terms and conditions that must be agreed to prior to getting started. 

Have more questions?

Go to FAQs
Go to FAQs