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

Precious metals

Cryptocurrencies

The Best online brokers of 2021

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

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

"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."

"powerful and convenient app, your entire financial life is always at your fingertips."

"Instead of points or miles, unifimoney's new card pays out rewards in bitcoin, gold, or stocks."

What Our Customers Are Saying

987654321Mango

Love it!

I love the Robo auto-invest feature as it insures that I invest each month without having to do anything. I upgraded to the Advanced Robo.

cryptokat

An Innovative and Unique Approach to Banking

I was sold after I heard they had a DDA and crypto. Then I found out about the Robo account, self-directed account, and precious metals and was pleasantly surprised.

Paymneta guru

Great app

Moved to Unifimoney recently. It is definitely a step up from my previous app in terms of features and functionality with both investing and banking in one app.

Lex Lindz

All-in-one money management app

Great app for managing all of my money/investments in one place. Saves me so much time by not having to navigate between multiple apps to invest in ETFs, crypto, etc.

cktamster

Money Different

Unifimoney really is a different way to manage and invest your money. I love the vision to "unify" different banking and money apps in a single mobile experience.

See How Unifimoney Works

Explore The Unifimoney App

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 More

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

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 More

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.

Learn More

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

Informational chart showing how with Unifimoney you will earn 20x more than a typical top 10 bank

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
‍

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

grow

Protect and grow your money automatically

Maximize deposit income

Maximize spend rewards

Passively invest into a highly diversified low cost investment portfolio

Learn More

how we are different

How does Unifimoney compare?

Unifimoney

Robinhood

Chase

Wealthfront

Credit Card

High-yield Checking Account

Investing

Automated Money Mgmt

3-in-1 Integrated Account

✓

✕

✓

✕

✓

✕

✓

✕

✓

✕

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

✕

Points
Complex
Est. 1.2% cashback*

✕

Commission Free Self Directed

✕

Simple cash account
0.35% APY

Robo investing 0.25%

X

✕

Blog

The CARES Act is Extended to 2022 — What Does It Mean For Student Loan Refi?

September 1, 2021

Here's How Regional and Community Banks Can Revolutionize Money Management

August 20, 2021

Fintech Revolutionized Finance — Unfortunately, It's Made Managing Money Harder Than Ever

July 29, 2021

Keep in touch - sign up to our newsletter

Thank you! Your submission has been received!

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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

Money Different.

The Best online brokers of 2021

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

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

"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."

"powerful and convenient app, your entire financial life is always at your fingertips."

"Instead of points or miles, unifimoney's new card pays out rewards in bitcoin, gold, or stocks."

Saving, Spending and Investing in One App

Maximize your returns - effortlessly

Freedom to invest in what you want when you want

The Unifimoney limited edition silver coin

Earn More

Pay Less

The first true alternative to the Big Banks

Protect and grow your money automatically

How does Unifimoney compare?

✓

✓

✓

✓

✓

✕

✓

✓

✕

✕

✓

✕

✓

✕

✕

✕

✓

✓

✓

✕

Unifimoney

Robinhood

Chase

Wealthfront

Credit Card

High-yield Checking Account

Investing

Automated Money Mgmt

3-in-1 Integrated Account

Cash Back not pointsSimple and transparentTarget 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 DirectedPrecious metalsCrypto

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

Single mobile appSingle sign up and sign in3-in-1 account

✕

Simple cash account0.3% APY

Commission Free Self DirectedCrypto

✕

✕

Points Complex Est. 1.2% cashback*

✕

Commission Free Self Directed

✕

✕

✕

Simple cash account0.35% APY

Robo investing 0.25%

X

✕

Blog

The CARES Act is Extended to 2022 — What Does It Mean For Student Loan Refi?

Here's How Regional and Community Banks Can Revolutionize Money Management

Fintech Revolutionized Finance — Unfortunately, It's Made Managing Money Harder Than Ever

SOCIAL

COMPANY

RESOURCES

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

Points
Complex
Est. 1.2% cashback*

Simple cash account
0.35% APY