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Manage your wealth effortlessly in one app

Money Different.

Investing and Money Management - Simplified, Diversified, Unified

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Auto-Investing
High Yield Checking
Commission free trading
Cryptocurrencies
Precious metals

"Unifimoney creates a unique relationship between your saving, spending, and investing to make sure every dollar works for you."

"If you're a busy, high-income professional and especially one with a large amount of student loan debt, Unifimoney may be the financial app you've been waiting for."

"The psychology behind Unifimoney’s approach makes a lot of sense, and it is definitely on the cutting edge."

The Best online brokers of 2021

See How Unifimoney Works

Explore The Unifimoney App

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UNIFIED

Saving, Spending and Investing in One App

A unique digital mobile account with a fully featured high yield checking account, credit card and investing.

Learn MoreDownload from the apple store today
GROW

Maximize your returns - effortlessly

Maximize your return on assets and grow your wealth -- effortlessly.

Save and invest $3.50 a day from age 26 and you could have built a $1m+ portfolio by retirement.

See How Much You Could Save
Unifimoney app on phone
INVEST

Freedom to invest in what you want when you want

The most comprehensive investment app available.

Passively fund your Robo portfolio, trade equities commission free and get access to alternative assets including cryptocurrencies and precious metals in app.

Learn MoreDownload from the apple store today
LIMITED EDITION

The Unifimoney limited edition silver coin

We have created a unique 5oz fine silver coin to celebrate the launch of Unifimoney and as a thank you to our launch customers.

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Limited edition Unifimoney Coins on transparent background
AUTOMATE

Earn More

Maximise your return on assets and grow your wealth -- effortlessly.

Earn 20x more than a typical top 10 bank

FDIC Insured up to $750,000

Rates refers to the APYs (Annual Percentage Yield) and are as of March 12, 2021. The APYs for some products may vary by region. Source: Company Websites

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INVEST

Pay Less


AI Quant based robo investing from as little at 0.15% annual fee (~$1.50 per $1,000 invested)

Commission free trading of US Equities, ETF's and ADR's

Trade precious metals and crypto

SIPC Insurance $500,000
‍

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DIFFERENT

The first true alternative to the Big Banks

Replacing your existing primary bank and credit card providers

Free yourself from subsidizing big banks high costs and massive profits

Download from the apple store today
GROW

Protect and grow your money automatically

Maximize deposit income

Maximize spend rewards

Passively invest into a highly diversified low cost investment portfolio

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How we are different

How does Unifimoney compare?

Simple
Advanced

Unifimoney

Robinhood

Chase

Wealthfront

Credit Card

High-yield Checking Account

Investing

Automated Money Mgmt

3-in-1 Integrated Account

✓

✓

✓

✓

✓

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✓

✓

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✓

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Unifimoney

Robinhood

Chase

Wealthfront

Credit Card

High-yield Checking Account

Investing

Automated Money Mgmt

3-in-1 Integrated Account

Cash Back not points
Simple and transparent
Target 1.5-2% Cashback

Full featured DDA
0.2% APY
Bill Payment, Debit Card, Remote Check Deposit, Direct Deposit, Checkbook etc.

Robo Investing 0.15%
Commission Free Self Directed
Precious metals
Crypto

Maximize deposit interest on checking ac
Maximize CC cash back
Passively invest 4 ways – dollar cost average

Single mobile app
Single sign up and sign in
3-in-1 account

✕

Simple cash account
0.3% APY

Commission Free Self Directed
Crypto

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Points
Complex
Est. 1.2% cashback*

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Commission Free Self Directed

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Simple cash account
0.35% APY

Robo investing 0.25%

X

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Blog

View More
The Inflation Rate May Reach 4% — What Does It Mean for Unifimoney Users?

June 16, 2021

The Braintrust: Ben Milne (Dwolla) on Fintech APIs and the RTP Future of Finance

June 8, 2021

What's In Your Financial Stack? A 33-Year-Old Founder from Baltimore & Tulsa

June 3, 2021

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Privacy PolicyTerms of ServiceLegalAccessibility Statement

Unifimoney, Inc. is not a bank. Bank deposit products are provided by UMB Bank N.A., Member FDIC. FDIC insurance up to $750,000 (including principal & interest). To participate in the program, you must open an account at UMB Bank, through which your funds will be placed in accounts at participating program banks.
The Unifimoney Visa Debit Card is issued by UMB Bank pursuant to a license from Visa Inc. and may be used everywhere Visa debit cards are accepted.
Investment advisory services are provided by Unifimoney RIA, Inc., an SEC-registered investment advisor. Unifimoney RIA, Inc is a wholly-owned subsidiary of Unifimoney Inc. For important information and disclosures relating to the robo-investment account visit www.unifimoney.com
Brokerage services are provided by DriveWealth, LLC. DriveWealth is a registered broker dealer, member of FINRA and SIPC. Your cash and investments are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Investment accounts are not FDIC Insured - No Bank Guarantee - May Lose Value
Cryptocurrency trading is offered through GEMINI, a digital asset platform operated by and proprietary to Gemini Trust Company, LLC, a New York trust company. Your cryptocurrency investments may lose value and are not protected by either FDIC or SIPC.
Precious Metal trading is offered through GBI, a New-York-based precious metals dealer. Your precious metals investments may lose value and are not protected by either FDIC or SIPC.

The Annual Percentage Yield (APY) as of 03/01/21 is 0.20% APY (0.20% interest rate). The calculation for APY is rounded to the nearest basis point. Both the interest rate and APY are variable and subject to change at our discretion at any time without notice