Manage your wealth effortlessly in one app

Money Different.

Investing and Money Management - Simplified, Diversified, Unified

Unifimoney app and card

Saving, Spending and Investing in One App

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

Download from the apple store today

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.

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Unifimoney app on phone

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.

Download from the apple store today

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

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

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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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

Protect and grow your money automatically

Maximize deposit income

Maximize spend rewards

Passively invest into a highly diversified low cost investment portfolio

How much could you make?

I am

years old and can

save $

per day

Automate Your Finances


Age 27


Age 36


Age 46


Age 56


Age 66
how we are different

How does Unifimoney compare?





Credit Card

High-yield Checking Account


Automated Money Mgmt

3-in-1 Integrated Account





Credit Card

High-yield Checking Account


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

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

Est. 1.2% cashback*

Commission Free Self Directed

Simple cash account
0.35% APY

Robo investing 0.25%


  • *Terms and Conditions

    New User Reward Program Terms Effective Date:

    May 6, 2021

    Your participation in the Unifimoney New User Reward Program is subject to our Terms of Service and the following Program Terms:

    Eligibility Conditions: To be eligible for a reward under this New User Reward Program, you must (1) have never previously funded a Unifimoney account, (2) have successfully opened an account with Unifimoney and been approved for a cryptocurrency account on or after the Effective date (above) but before the termination of this promotion, (3) have made electronic deposits of at least $1,000 (for the $25 Bitcoin Reward), $10,000 (for the $100 Bitcoin Reward), $20,000 (for the $250 Bitcoin Reward), $50,000 (for the $500 Bitcoin Reward), or $100,000+ (for the $1,000 Bitcoin Reward) to your Unifimoney account within a two week (14 day) time period from account creation, and (4) held the equivalent of that same deposit in your account in cash deposits and investments for: a minimum of 30 days (for the $25 and $100 Bitcoin Rewards) and a minimum of 90 days (for the $250, $500, and $1,000 Bitcoin Rewards).

    If you satisfy the Eligibility Conditions stated above, Unifimoney will provide your New User Reward in Bitcoin (exact amount depending on which minimum deposit amount you obtained) in your Unifimoney Crypto account. The Reward will be credited into your Unifimoney Crypto account within fourteen (14) business days from the date you have fully satisfied the Eligibility Conditions. See below for important disclaimer about transaction fees.

    The actual amount of Bitcoin you will receive for satisfying the Eligibility Conditions shall be calculated based upon the prevailing rate of Bitcoin at the time the Bitcoin is acquired by Unifimoney (even if the prevailing rate is different from that at the time the Reward was earned (through satisfying the Eligibility Criteria) or different from that at the time the Bitcoin is transferred into you crypto account.

    The Bitcoin New User Reward is inclusive of purchase fees that Unifimoney may incur in acquiring the Bitcoin for you. (For example, if there is a $2 transaction fee incurred by Unifimoney in acquiring your Bitcoin, an individual who was eligible for the $25 Bitcoin Reward will receive the equivalent of $23 in Bitcoin.)
    The New User Reward deposited by Unifimoney is of fixed cash value and does not constitute stock or any other security, nor is it a recommendation to buy any specific stock or other security.

    The value of a Bitcoin Reward may be taxable income to you. You are responsible for any federal or state taxes resulting from receipt of such reward and should consult your tax advisor if you have questions about the tax treatment of such reward.
    You are only eligible to receive one New User Reward under this Promotion.
    This promotion is non-transferrable and is not valid alongside any other offers related to creation of new Unifimoney accounts. (That is, the act of creating your Unifimoney account can only result in you obtaining one reward or incentive for doing so.)

    Unifimoney accounts are currently only available to U.S. citizens and U.S. Permanent Residents who are 21 years or older, hence the New User Reward is only available to U.S. citizens and U.S. Permanent Residents who are 21 years or older
    Unifimoney reserves the right to terminate this offer at any time and to limit the amount of the reward you are eligible to receive. Unifimoney also reserves the right to refuse to provide any New User Reward if Unifimoney determines, in its discretion, that the Reward was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, that any provisions of the Unifimoney Terms of Service or Customer Agreement have been violated, or that these New User Rewards Program Terms have been violated.

    For you to be eligible for the New User Reward, our partner who provides the cryptocurrency account connected to your Unifimoney account must approve you as a customer. If for any reason, you are denied a cryptocurrency account, you will not be eligible for the New User Reward.
    Personal information collected in connection with this offer will be used in accordance with Unifimoney’s Privacy Policy.