You have a global digital platform

Unayo is a simple, secure and efficient financial solution for everyone. You do not need a Standard Lesotho Bank account to use Unayo.

  1. Download the Unayo App and register for free
  2. Transfer money instantly to other Unayo mobile wallets, to bank accounts or send a money voucher to any cellphone number in Lesotho
  3. Shop securely by scanning QR codes to pay for products and services
  4. Pay your monthly DSTV, Electricity and other bills without leaving the comfort of your home
  5. Buy airtime and data, voice and SMS bundles for all Econet Telecom Lesotho and Vodacom Lesotho numbers

How it works

Unayo offers various financial solutions at your fingertips Unayo is designed for day-to-day banking. You can transact on Unayo using cash in and cash outs to move money, send monetary gifts to your friends, family and pay your bills.

You can use your Unayo mobile wallet to collect your wages and salary. You can receive special payments securely from your loved ones. You can instantly transfer funds from your mobile wallet to your friends using their mobile phone number or Unayo account. Unayo – you can pay, transact, settle monthly bills and shop from your cellphone.

Unayo can be used to receive and send personal and business payments. You can receive your salary. You can also make bulk payments to suppliers and receive payments from customers. Payments made using Unayo are secure, swift and simple.

  • Lite account bundle (personal account)

    A Lite account is given to customers (Lesotho citizens) who sign up using either the USSD or Smart App channels. These customers provide limited KYC information and will receive limited functionality



  • A Pro account is given to customers (Lesotho citizens and foreign nationals) who either upgrade from a Lite account or have undergone a full KYC process. These customers receive additional functionality on their account, including increased transactional and account limits. Pro Account Bundle holders can also apply to act as Micro-merchants or agents and will be required to submit additional KYC information.



  • A Merchant account can be applied for by customers who have undergone full KYC process. The customer is required to provide details of their business, including their trading location. These customers can also opt to become searchable on the app and act as a point of presence for the bank. They earn a commission for facilitating customer transactions, including cash in, cash out and voucher payments.



  • Donor account can be applied for by customers who hold a Pro Account. The customer is required to provide details of their business, including their trading details. These customers can perform bulk fund disbursements to designated recipients as part of humanitarian or other aid provision.


 

Download Unayo today
to get started!


A global digital platform that delivers a wide range of capabilities to meet your personal and business day-to-day services and transactional needs.

Let Unayo enable your business growth and personal financial management.


Download the Unayo app

  

Frequently asked questions


  • What is an Unayo cash in?

    A cash in transaction allows you to exchange physical cash for e-value at a merchant. You hand the merchant physical cash and they transfer digital funds in the same value to your account. This process is similar to depositing funds at a bank branch.



  • A cash out transaction allows you to exchange e-value for physical cash at a merchant. You create a digital voucher for the value you wish to receive. The merchant hands you physical cash in exchange for the same value of digital funds from your account. This process is similar to withdrawing funds from an ATM or bank teller.



  • USSD allows you to perform the following transactions:

    1. Send Money
    2. Pay
    3. Cash in
    4. Cash out
    5. Process voucher



  • The smart app allows you to perform the following transactions:

    1. Send Money
    2. Pay
    3. Cash in
    4. Cash out
    5. Process voucher



  • The number of Unayo accounts you can have depends on your profile. On a Lite profile, you can only have a transactional account. If you upgrade to a Pro account, you can have up to three savings accounts. If you have a business account, this number increases. Merchants can have up to 100 savings accounts.



  • If you have a Lite or a Pro profile, you can have one transactional account. If you have a business account, you can have up to 100 transactional accounts as a merchant and up to five as a donor.



  • You will be able to close savings accounts you no longer need. Your data will be stored for up to seven years in accordance with regulations.



  • You will be able to close a transactional account you no longer need. Your data will be stored for up to seven years in accordance with regulations.


 

Contact Us



Call us (toll-free): +266 8002 2221
Email us : [email protected]