Start transacting today

Getting the UNAYO app

Download the Unayo app on your smartphone, or sign up with USSD, create your profile, and you’re ready to go!

Why should I use UNAYO?

Convenience

Quick and easy day-to-day transacting.

Open your account, apply to open a business or become a merchant and transact from the comfort of your couch.

Connect with your community

Easy and affordable payments to people and businesses in your community.

Full Bank account

UNAYO is not just another wallet. We offer you a full bank account with access to higher limits and the ability to open business accounts.

Move money safely

Collect your wages and salary, or receive payments securely from anyone, anywhere.

It's in your community

Locate your nearest merchant to perform transactions like cash ins and cash outs.

Earn money

Become a merchant and earn commission for facilitating transitions in your community.

How to get UNAYO

Download the Unayo App or use USSD

Download the Unayo app on your smartphone using the app store. If you can’t download the app, you can still use Unayo on any phone with USSD functionality.

Choose a location

Select your country from the list. You can sign up for Unayo from anywhere in the world, whether you are a Citizen, Foreign National, Refugee or Asylum Seeker in a specific country.

Complete the entire registration process for personal and business accounts online, without having to ever visiting a branch!

Upgrade your account

You will be able to sign up for a personal account. After that, open a business account or apply to become a merchant.

Get the Unayo app

Unayo is a global digital platform that brings you, as a valued customer, a wide range of capabilities to meet your day-to-day services and transactional needs.

You and your business are enabled through Unayo to transact securely and conveniently from your couch, desk, shop or wherever you are.

Let us help you on your journey - Download our App