What is UNAYO?
UNAYO is Standard Bank’s global digital platform that connects people, businesses, and communities.
All you need to do is download the UNAYO app on your smartphone, or sign up with USSD, create your profile and you’re ready to go!
UNAYO means ‘You have it’, and once you have UNAYO, you can use it anywhere in the world.
Open a Personal Account
Unayo is rapidly expanding its footprint to countries across the globe. We are currently live in Malawi, Botswana, Eswatini, Lesotho and Zimbabwe. We will soon be expanding our services to more countries in the Africa region.
Select your country to learn more about our offerings.
Select Country
What are the benefits of UNAYO?
Unayo has been designed to balance ease of use with a wide variety of features that offer you access to a full spectrum of convenient and affordable banking services from wherever you are.
Cash in and out
You can also perform cash in and cash out transactions at UNAYO merchants for a small fee.
Earn extra revenue
You can become a merchant in your personal or business capacity, so it’s a great way to earn extra revenue and start building towards your future.
Free transactions
Make use of free transactions to send money to friends and family. Pay for goods and services using your UNAYO account and your personal QR code.
Become a Merchant
UNAYO is different from other financial services providers. You can apply to become a merchant and perform transactions for people in your community in exchange for an instant commission into your account!
How does UNAYO work
You can access UNAYO via the smart app, assisted services mode, USSD or internet banking
Smart app
UNAYO is available for iOS, Android and Huawei. Simply go to your app store and download the latest version. You will be able to select your country and language and start your onboarding journey. It will also be your portal for all UNAYO’s services.
Assisted services mode
This is a new feature from UNAYO. Assisted services mode is available on your UNAYO smart app. It allows your friends and family to access their UNAYO accounts, apply for, or upgrade their Lite accounts, apply to become a merchant or open a business account, without having their own smart phone. None of their information is stored on your device, and they don’t have access to your accounts.
USSD
- UNAYO is available on USSD. Please visit your country page for your short code.
- If you have signed up on the smart app or assisted services mode, you will still be able to access your accounts on USSD.
Personal UNAYO profile
- You can sign up for a lite or pro account by digitally providing your personal information.
- This process is done digitally through the smart app or USSD channel.
- Your information is reviewed by the UNAYO team and after that, you will get your account.
- If you start off with a Lite account, you can upgrade it to a Pro account using the smart app or assisted services mode.
- A Pro account will give you access to more features (such as the ability to become a merchant or open a business account), as well as higher limits.
Business UNAYO profile
- Once you have a Pro account, you can open a business account by providing some additional information about your business.
- This process is done digitally through the smart app or assisted services mode.
- Your information is reviewed by the UNAYO team and after that, you will get your account.
- You can apply to become a merchant on your business account, and you will have access to higher limits on your account.
UNAYO offers Personal and Business profiles
Transactions
- Unayo offers you the following transactions:
- Pay for goods
- Cash In (deposits)
- Cash Out (withdrawals)
- EFT transactions - On us
- EFT transactions - Off Us
- Funding benefit – Savings & Current accounts
- Send Money (Mobile, Email)
- Send Money Bulk (Mobile, Email)
- Process voucher (Merchants)
- Bulk disbursements (Donors)
- Airtime and Airtime Data Sales
- Future
- Bill payment
- International Remittance
Fees
- Signing up and registering for Unayo is absolutely free.
- Please refer to the Key Facts Document on your country page for more information as values may differ between regions.
Locate services
- UNAYO is a digital platform and doesn't have traditional bank branches. Instead, it has a network of merchants who are able to perform cash in and cash outs (deposits and withdrawals). These merchants can be traders in your area and even franchises like supermarkets (and there are more joining the platform all the time!).
- Some countries also allow you to withdraw funds at Standard Bank/Stanbic ATMs.
- To locate your nearest service provider, please open the smart app and select the "locate services" icon on the bottom left of your screen. You can search for the nearest service provider by name or their distance from you. Once you have selected a merchant or ATM, your onboard navigation app (like Waze, Apple Maps or Google Maps) will open and direct you to that location.
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Transactions
-
Fees
-
Locate services
- Unayo offers you the following transactions:
- Pay for goods
- Cash In (deposits)
- Cash Out (withdrawals)
- EFT transactions - On us
- EFT transactions - Off Us
- Funding benefit – Savings & Current accounts
- Send Money (Mobile, Email)
- Send Money Bulk (Mobile, Email)
- Process voucher (Merchants)
- Bulk disbursements (Donors)
- Airtime and Airtime Data Sales
- Future
- Bill payment
- International Remittance
- Signing up and registering for Unayo is absolutely free.
- Please refer to the Key Facts Document on your country page for more information as values may differ between regions.
- UNAYO is a digital platform and doesn't have traditional bank branches. Instead, it has a network of merchants who are able to perform cash in and cash outs (deposits and withdrawals). These merchants can be traders in your area and even franchises like supermarkets (and there are more joining the platform all the time!).
- Some countries also allow you to withdraw funds at Standard Bank/Stanbic ATMs.
- To locate your nearest service provider, please open the smart app and select the "locate services" icon on the bottom left of your screen. You can search for the nearest service provider by name or their distance from you. Once you have selected a merchant or ATM, your onboard navigation app (like Waze, Apple Maps or Google Maps) will open and direct you to that location.
How to get Unayo?
Choose a location
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.
Quick registration
You can complete the entire registration process for personal and business accounts online, so you don’t even have to visit a branch!
Select account type
You will be able to sign up for a personal account. After that, open a business account or apply to become a merchant.
Don't have your own smartphone? It's no problem
Unayo is designed to work on any phone. If you can’t download the app, you can still use Unayo on any phone with USSD functionality. All you have to do is dial the USSD code specific to your country of residence and follow the easy steps to register. Once your account is set up, simply key in the number of the transaction you want to do from the menu options on your screen (send money, pay, cash in, cash out, merchants, more) and you will instantly connect to the Unayo platform.
Interested in Opening a Business Account?
If you have your own business, you can open an Unayo business account. This will give you access to higher account limits and allow you to manage employees’ rights and access to your account.
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
Frequently Asked Questions
- FAQs
Frequently Asked Questions