Creator of split payment 14 years ago, leader in France and present in 12 countries in Europe, we are constantly innovating to design and deploy innovative payment solutions and financial services for a memorable customer experience.

oney plus

To meet these consumer expectations and support the transformation of commerce, this year Oney is going even further and is launching Oney +, an app that gives consumers back the power over their spending and makes split payments universal, for everyone, anywhere in the world and at any time.


19% of French people pay in instalments at least once a month.*


32% would like to be able to pay in instalments more often in the future.**


58% of the French believe that they could consume better if they could pay in instalments for second-hand or reconditioned products.**

*Opinionway – Oney study / May 2019.
**Harris Interactive study – Oney / April 2021.

Oney+, the solution for paying in several installments, for all expenses

An account
+ A card
+ An app
= Pay in one go or split all expenses A solution

it's easy!

No need to change bank
No time commitment

All the functionalities of Oney+ in a video (in French)

See how Léa, Marion and Alan use Oney+ on a daily basis (videos in French)


Conditions applicable to the services offered in the ONEY+ mobile application:

The Oney+ payment account is reserved for individuals of legal age, residing in France, and acting for non-business purposes. It can be used within the limits determined according to the account holder's income. The application for a Oney+ account is made exclusively on the Oney+ mobile application. The opening of an Oney+ account is subject to the study and acceptance of the application by Oney Bank. The account holder has a 14-day cancellation period.

The Oney+ card is an immediate debit VISA "Classic" or "Premier" payment card.

The payment account and the Oney+ card included in the Oney+ Original and Oney+ First offers are available separately for a fee per unit specified in the Oney+ price list available on the mobile application. The possibility of choosing the account to be debited is a service provided subject to the eligibility of the Oney+ account holder. If eligible, Oney will, at the account holder's request, debit the payment account held by the account holder with another institution, in order to fund the Oney+ account with the amount of payment transactions made with the Oney+ card.

Split payment is a credit offer valid for any payment transaction with the Oney+ card over €1, excluding cash withdrawals, provided the account holder is eligible for this service. The credit is subject to a fee equal to 1.45% of the amount of the transaction, up to a maximum of €15, for a credit repayable in three instalments; 2.2% of the amount of the transaction, up to a maximum of €30, for a credit repayable in four instalments. Example for a payment of €150 split into 3 instalments: on the day of the transaction, a first instalment of €50, as well as the €2.18 split fee, is debited from your Oney+ account; the following month, a second instalment of €50 is debited, followed by a third instalment of €50; the credit is then repaid over 2 months at a fixed APR of 19.26%. The credit application must be made on the day of payment, before midnight. The borrower has a 14-day cancellation period.

The insurance cover linked to the Oney+ Original and Oney+ First Offers results respectively from the optional group damage insurance contracts "Assurance Oney+ Original" n°FRMP02 and "Assurance Oney+ First" n°FRMP03, taken out by Oney Bank with Oney Insurance (PCC) Limited, a company incorporated under Maltese law with a capital of €5,600,000 - registered office : 171 Old Bakery Street, Valletta, VLT 1455, Malta, registered in the Companies Register under number C53202, operating in France under the freedom to provide services, subsidiary of Oney Bank. Oney Insurance (PCC) Limited is an umbrella company authorised to carry out non-life insurance business by the Malta Financial Services Authority: Triq l-Imdina, Zone 1 Central Business District, Birkirkara,CBD 1010, Malta.

Common insurance cover for Oney+ Original and Oney+ First offers:

  • Protection of your online purchases: your Oney+ card purchases are reimbursed in the event of delivery problems up to €1,500 per claim (up to a maximum of €3,000 per year).
  • Information on guarantees, limits and conditions are included in the insurance product information document and the information sheet available on the mobile application.

Insurance guarantees specific to the Oney+ First offer:

  • Means of payment protection : Fraudulent use of your lost or stolen means of payment is reimbursed, up to €4,600 per claim and per year. Cash withdrawn from an ATM is reimbursed in the event of theft by assault within 24 hours of withdrawal, up to a limit of €1,000 per year.
  • Smartphone and tablet protection: The cost of repairing or replacing your smartphone or tablet is reimbursed if your device breaks, up to €350 per claim (and limited to one claim per year).

The insurance subscriber has a 14-day cancellation period in the event of remote enrolment or if he or she already has cover for one of the risks covered by Oney+ Insurance.

Information on the guarantees, limits and conditions are available in the insurance product information document and the information leaflet, which are available on the mobile application.

All the conditions relating to the services offered are available in the ONEY+ mobile application.

Conditions valid as of 25 June 2021.

Oney Bank
Public limited company with a capital of €51,286,585
Registered office: 34 avenue de Flandre 59170 CROIX.
Registered with the Lille Métropole Trade and Companies Register under number 546 380 197.
Intracommunity VAT identification number: FR71546380197

Oney Bank is authorised as a credit institution by the Autorité de Contrôle Prudentiel (ACPR), 4 Place de Budapest, CS 92459, 75436 Paris Cedex 09, and is subject to its supervision. The list of approved credit institutions can be consulted on the Banque de France website ( under the heading "banking supervision and regulation".

As part of its insurance business, Oney Bank is registered as an insurance brokerage company and is registered as such with the Organisme pour le Registre des Intermédiaires en Assurance (ORIAS) under number 07 023 261. The register can be consulted on the website