WiseOne AI Money Management

Introducing WiseOne:
A Personal Financial Coach in Your Pocket

Go from spender to supersaver!

A hand holds a smartphone displaying an app called WiseOne, built with Google Gemini, with a chat message and a "Launch Chat" button on the screen.

Be the WiseOne.
Get Started Today!

WiseOne is a money management tool. It is not FDIC insured. See disclosures for details.

As mentioned in the following media outlets: 

Go from Spender to Super Saver

Find extra cash, fees to avoid and how to save more money with WiseOne Money Management. Be the WiseOne as you take control and discover ways to better manage your money.

A man looks stressed using his phone, then smiles while holding a phone showing the Ask WiseOne! app with "From spender to super saver" text.
Woman in a suit sits on stairs, smiling while looking at her phone. Text bubbles read: "How can I save more money?", "What fees can I avoid?", and "How can I improve my credit score?.

Speaks Human.
Not Bank.

WiseOne answers your questions in an easy to understand way. Simply link your financial accounts, ask questions and get tips on how to avoid fees, save more money and better manage your credit.

Key Features That Make a Difference

Built with Google Gemini

Get the WiseOne Financial Wellness Assistant built with Google Gemini. Ask questions, get answers. Just ask, “How can I reduce my debt?” or “Based on this week’s budget, can I afford to go out to dinner tonight?” and get a clear response.

Get AI Money Management

Let AI fix your finances. Finally, an all-in-one financial solution to link all of your financial accounts and receive personalized AI-driven WiseOne Insights, your credit score, AI-generated budgets, best-in-class security, and more.

Monitors Your Credit

Monitors your credit score with customized alerts for new inquiries, accounts, spending, and credit utilization. WiseOne helps to detect fraud sooner and correct inaccurate info on your report that can help you boost your credit.

Secures Your Data

Get bank-grade security, without the bank account. As an FDIC-Insured bank, we use advanced encryption and robust security protocols to ensure your data is always protected. Your privacy and security are our top priorities.

Tracks Your Progress

Tracks your progress with clear, easy-to-read charts and get real-time alerts to keep you on track. Your financial journey has now been visualized.

Learn Personal Finance

Master financial literacy using our extensive library of tutorials and articles to guide you every step of the way. Plus, you can ask WiseOne’s AI to explain complex financial topics in simple terms.

Sign up now!

WiseOne is a money management tool. It is not FDIC insured. See disclosures for details.

A smartphone displays a financial app showing a no-spend streak and savings milestone; a chatbot message offers encouragement and financial advice.

The Wise Way to Manage Your Money.

Get WiseOne, a state-of-the-art AI-driven conversational money management platform built with Google Gemini. Ask questions, get answers. An all-in-one solution to link all your financial accounts and receive a personal financial AI assistant, wealth and credit-building tools, and more.

You’ll be wowed!

More than an App, WiseOne is Your GPS to Financial Freedom!

It’s not just about tracking expenses; it’s about building a better future. Set meaningful savings goals and watch your progress, step-by-step, in real time. Whether you’re saving for a down payment, a dream vacation, or a secure retirement, WiseOne Money Management will help you stay on the path to financial freedom.

A hand holds an iPhone displaying a "Trends" screen from a financial management app. The screen shows a multi-colored line graph illustrating "Transaction Trends by Category" from November 2024 to April 2025. In the background, a blurry coffee cup is visible.

FAQs

Quite simply, WiseOne sets itself apart from other apps by offering a proactive, AI-driven financial companion instead of just a tracking tool. While competitors provide reports, WiseOne™ Insights uses a conversational agent and AI to deliver personalized, actionable guidance and alerts (e.g., Debt Payoff Strategy), helping you make better financial decisions in real-time. Crucially, as a product offered by a bank, it provides enhanced bank-level security and compliance, giving you a level of trust and access to integrated benefits that typical fintech apps cannot match.

A conversational agent interacts with you using natural, human-like dialogue rather than rigid commands or formal prompts. For a money management app like WiseOne, this means it acts as your personal financial coach. Instead of scrolling through menus or filling out forms, you can simply ask questions and WiseOne will provide instant, personalized, and easy-to-understand guidance, making your journey to financial freedom feel less like accounting and more like a helpful chat.

Yes! Your financial information is protected by bank-level encryption and adheres to the latest industry protocols to ensure your personal and financial information is safe from unauthorized access. Here’s more answers to your question:

  • Can WiseOne move my money?
    No. WiseOne is a dashboard for insights only; it has no power to transfer funds or move a single cent.
  • Do you keep my passwords?
    Never. WiseOne does not see nor store any external account passwords, ensuring your login information stays safely in your hands. Linking your accounts is completely secure because your login info is turned into a one-time digital code—just like Apple Pay or Google Pay—so we never see or store your private passwords.
  • Do you have my account numbers?
    No. WiseOne never receives full account numbers from other financial institutions.
  • Is this just another “fintech” app?
    No. We are a regulated financial institution held to the highest federal security standards—standards most apps ignore.

Yes, you do not need a bank account with OneUnited Bank to access WiseOne! It’s designed to help EVERYONE achieve financial freedom and can be used with your current financial services, wherever they are.

The standard (non promo) subscription fee is $9.99 monthly. You can cancel at any time.

Yes! WiseOne works with all of your financial accounts (bank accounts, credit cards, 401k and other retirement accounts, stock portfolio, and more).