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Product

Get Paid

Get your wages as you earn them, when you need them

Access the money you’ve earned instantly. oNesto allows you to access a portion of the money you have already worked for, directly from your phone. One flat rate. No hidden fees or annoying interest

Product

Shop & Save

Shop and build savings on your regular purchases

oNesto has partnered with more than 60 major retailers so you can build saving when you do your regular shopping.

When you shop at oNesto retailers, you get up to 10% cashback deposited straight into your savings account for your exact shopping amount. So you can build a savings fund without changing your spending habits. Our best users collect savings of $100 a month or more. That’s a tank and a half of petrol. You should join them!

Product

Learn

A free online learning method that helps you to up skills yourself.

We are providing courses for you. And everything is for free to every oNesto’s user to access from anywhere.

what you need just an internet access and you are read to go, our learning materials designed not only limited for financial knowledge but we are providing more courses related to our everyday life as well.

girl receiving award

Our FAQ’s.

What is oNesto?

oNesto is an application that helps you improve your financial fitness.

How do I get started?

If your payroll provider or employer has partnered with us already, you can be accessing your wages within minutes. We can usually be found in your payroll portal. If you don’t know where to find us, or having trouble, just contact us.

How much does oNesto cost?

oNesto is absolutely free for employees with no hidden cost when shopping or receiving awards (only Early wage access is a flat rate transaction fee)

Is oNesto Safe?

We make security a priority at oNesto. Our platform uses 256-bit encryption to protect the privacy and security of your information.
The same security your online banking offers you.

Start shopping now and build your savings

oNesto Apple StoreoNesto Play Store
oNesto is on the Google and Apple stores
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Employee benefits

Employer

Attracting & retaining employees - ‘The Great Resignation’ and ’The War on Talent’
Low unemployment rate makes talent scarce and alternative job offers plentiful
The administrative burden and cost of employee turnover.
150% of an employee’s annual salary to replace them
Employee financial strees causing Sick days, absenteeism and reduced productivity and employee turnover.
Inefficient Award & Recognition to Employees
Benefits assist with recruitment and retention, reducing costs & increasing productivity
Savings from 60 major essential retailers increases employee spending capacity
Awards & recognition make employees less unlikely to look for a new job and more satisfied reducing turnover and increasing productivity and satisfaction
Reduced administration costs which increase profitability
Flexible wage solution that enhances employee satisfaction – Studies show employees would take a 4% pay reduction to be paid more frequently.
girl receiving award from awards and recognition

Employee

50% of Australians live from pay to pay. They have no savings.
50% don’t have $500 for an emergency from any source. They have no safety net.
40% endure financial stress regularly and 60% don’t believe they can reach financial security.
People don’t earn enough to put aside for savings.
Employees lack the knowledge and financial capacity to save.
50% of employees had no financial mentor, lack financial education, or both.
Inflation erodes household budgets without corresponding wage rises.
Generate savings, without altering spending or savings habits
Improve financial competence and confidence with tools & knowledge through learning
Wage flexibility reduces mismatch between income dispersals and payment obligations
On-time payments reduce egregious
financial fees
Tangible savings accumulated to reverse debt spirals and build financial resilience
Product

Get Paid

Get your wages as you earn them, when you need them

Access the money you’ve earned instantly. oNesto allows you to access a portion of the money you have already worked for, directly from your phone. One flat rate. No hidden fees or annoying interest

Product

Shop & Save

Shop and build savings on your regular purchases

oNesto has partnered with more than 60 major retailers so you can build saving when you do your regular shopping.

When you shop at oNesto retailers, you get up to 10% cashback deposited straight into your savings account for your exact shopping amount. So you can build a savings fund without changing your spending habits. Our best users collect savings of $100 a month or more. That’s a tank and a half of petrol. You should join them!

PRODUCT

Learn

A free online learning method that helps you to up skills yourself.

We are providing courses for you. And everything is for free to every oNesto’s user to access from anywhere.

what you need just an internet access and you are read to go, our learning materials designed not only limited for financial knowledge but we are providing more courses related to our everyday life as well.

REWARD

Build A Reward System For Your Employees

Now it’s time to give back to your employees, to show how much you appreciate their hard work.

oNesto helps your business keep your employees by providing “Award” function for you to be able to customise your own employee award program to help you to maintain employee retention by having us guide you through it.

Rewards and Recognition Platform
Xero

Offer The Ultimate Employee Benefits Application With
oNesto And Xero

Click the “XERO App Store” button and have oNesto setup with your Xero Account

Xero Accounting Software
girl receiving award

Our FAQ’s.

What is oNesto?

oNesto is an application that helps you improve your financial fitness.

How do I get started?

If your payroll provider or employer has partnered with us already, you can be accessing your wages within minutes. We can usually be found in your payroll portal. If you don’t know where to find us, or having trouble, just contact us.

How much does oNesto cost?

oNesto is absolutely free for employees with no hidden cost when shopping or receiving awards (only Early wage access is a flat rate transaction fee)

Is oNesto Safe?

We make security a priority at oNesto. Our platform uses 256-bit encryption to protect the privacy and security of your information.
The same security your online banking offers you.

Start shopping now and build your savings

oNesto Apple StoreoNesto Play Store
oNesto is on the Google and Apple stores