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Accounts
A cleaner money profile for independent professionals
Separate client income, work expenses and tax-ready pots without moving into a full company finance stack. ONEO Professional is for freelancers, consultants and creators who need more structure than a personal account.
Accounts
Professional Account: freelancer money separation
ONEO Professional Account is built for freelancer money separation — onboarding, everyday use, controls and disclosures for this product, not a reused template from another page.
Download the appProfessional Account FAQs
Answers written for this product.
Professional Account focuses on freelancer money separation. Other ONEO pages cover other money jobs so this copy stays specific.
Customers whose routine needs freelancer money separation. Teams → Business; families → Kids; career seekers → Company.
Live fee, rate or eligibility. Marketing text is a summary only.
Higher limits or freelancer money separation often need deeper KYC/KYB. The app asks only when required.
Only if country flags and verification unlock it; otherwise it stays hidden.
FX, ATM, support or card finishes tied to Professional Account may change when you upgrade.
In-app chat with Professional Account selected, or the matching Help topic.
No. Partner terms and in-app legal text prevail for Professional Account.
For freelancers and consultants
Keep work money legible while your personal ONEO account remains simple.
- Receive client payments where rails are available
- Create project, tax and operating-cost pockets
- Use virtual cards for software, ads and travel
- Search transactions by merchant, project or currency
- Export activity for accountants and annual filing
- Separate professional routines without creating a company workspace
Professional workflows
Useful structure for solo operators and small independent practices.
Global clients
Make cross-border work easier to reconcile
Client payments, FX, subscriptions and project costs can sit in one timeline. That makes it easier to see whether a project is profitable after travel, tools and currency costs.
Use international transfers for your own accounts or contractors where supported.
Right fit
Personal, professional, but not enterprise
If you hire a team, need payroll, require company roles or want multi-user approvals, ONEO Business is the better fit.
Professional Account is designed for individual money separation, not full company finance operations.
Important
Tax treatment is personal
ONEO can help keep records organised, but it does not provide tax, accounting or legal advice. Speak with a qualified adviser for your market and circumstances.
Features, pricing, limits and corridors vary by market, partner availability, network coverage and identity verification.
Who it is for
ONEO Professional is for independent work that needs structure without the overhead of a full company finance setup.
Freelancers
Separate client income, software subscriptions and tax savings from personal groceries and travel. Exportable records make accountant conversations easier.
Consultants
Hold multiple currencies for clients across corridors and use virtual cards for project expenses. ONEO keeps fees, FX and card activity visible.
Creators
Track platform payouts, campaign costs and travel spend without creating a separate company stack. Pots can reserve cash for tax or equipment.
Solo operators
Use ONEO Professional until you need team permissions, payroll and approvals. Growing teams should move toward ONEO Business.
Business →
Work corridors
Client money should not blur into lifestyle spend
When invoices, travel, subscriptions and personal cards share one account, profit becomes hard to see. ONEO Professional gives independent users a cleaner lane for client income, project costs, tax pots and international routes.
It is still a personal professional tool, not a company account. If you need staff cards, approval chains, payroll or accounting integrations, ONEO Business is the right next step.
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