How it works

Unayo offers various solutions that are centered around your needs:

  • Lite account bundle (personal account)

    These accounts are designed for day-to-day banking and providing services that add value to your daily routines. Move money using cash in and cash outs, and pay your friends, family and merchants using send money and EFT. A Lite account is given to customers who use USSD. You can register for the Lite Account Bundle using your identity document and address details only.

    Your Unayo E-Wallet can be used to collect your wages, salary and those special birthday payments from your Gran. Payments made using your UNAYO E-Wallet are secure, swift and simple. If you’ve ever been in the middle of a conversation or a crisis with a loved one at home and felt the need to assist in whatever way you can, then UNAYO E-Wallet is for you. With your UNAYO E-Wallet, you can transfer funds from your wallet to your friends mobile phone instantly or to their account via an EFT. You can also allow your most trusted contacts to share your account and transact on your behalf

    UNAYO – It’s all in there!



  • You can have a Pro account using either USSD or the Smart app (Lite Bundle).

    Upgrade your Lite Account Bundle by providing additional KYC information, such as your photo, identity documents and home address. In so doing, you receive additional functionality on their account including increased profile, transactional and account limits.

    Pro Account Bundle holders can apply to act as Micro-merchants and will be required to submit additional personal information.



  • A Merchant account can be applied for by customers who have undergone full personal information provision or KYC as we call it similar to the Pro Account Bundle.

    To access Merchant Account functionality, you are required to provide details of their business, including your trading location. You can also opt to become searchable on the app and act as a point of presence for the bank. You can earn commission for facilitating customer transactions, including cash in, cash out and voucher payments.

    UNAYO gives you the unique advantage of being both a merchant and a user.

    UNAYO, It’s all in there!


 

Get started!

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’s 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


  • What is a cash out?

    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



  • 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.



  • To deposit cash, you create a "cash in" voucher in the amount that you want to deposit.

    When you present this to a merchant, they will be able to enter it into their device and accept your cash.

    Your account will be credited with the same amount of money as you handed the merchant.



  • To withdraw cash, you create a "cash out" voucher in the amount that you want to withdraw.

    When you present this to a merchant, they will be able to enter it into their device and give you cash in the same amount as your voucher.

    Your account balance will be reduced by the same amount of money as you requested from the merchant.



  • You can pay someone using a number of different methods:

    Scan to pay
    This allows you to scan another customer's QR code and enter a payment amount.

    Send Money
    This allows you to send money to a customer's email or cellphone number which they can then redeem at a participating merchant.

    Payment Voucher
    This allows you to generate a payment voucher that the recipient can redeem at a participating merchant.

    Bank Account
    This allows you to enter the customer's account details (Unayo account or one at a different bank) and make a payment to that account.


 

Contact Us



Customer Contact Centre 0999 901 5001
International Customer Contact Centre +265885920001
Customer Contact Centre Email - [email protected]