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What is UNAYO
What is UNAYO
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What is UNAYO
What is UNAYO
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Welcome to UNAYO Kenya
Cash in, cash out, make payments and shop securely – you can do it all with Unayo! All you need is a phone and you’re ready to go.
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UNAYO for Businesses in Kenya

If you have your own business, you can open an Unayo business account.

This will give you access to higher account limits and allow you to manage employees’ rights and access to your account.

How can Unayo help my business?
Instant transactions

Enjoy instant transactions to keep your business moving

Take care of bills

Pay your monthly bills and shop from wherever you are.

Pay your employees

Pay wages and salary payments securely directly from your phone.

Features
Transact securely

Instantly transfer funds to businesses, friends and family using their mobile phone number or directly to their Unayo account

Make bulk payments

Pay suppliers in bulk and receive payments from customer

Become a merchant

Become a merchant and earn commission for performing transactions in your community.

What are the benefits of Unayo Business account?

Unayo has been designed to balance ease of use with a wide variety of features that offer you access to a full spectrum of convenient and affordable banking services from wherever you are.

Create and manage multiple businesses

If you have several businesses, you can create business accounts for each of them. This allows you to manage your portfolio from a single app.
Switch between business profiles to see how each of them are doing!

Earn extra Revenue

You can use your business account to apply to become a merchant, it’s a great way to earn extra revenue and start building towards your future.

Free transactions

Enjoy free transactions to keep your business’s efficiency up and your costs down. 

Accept payment

Pay for goods and services using your UNAYO account and use your personal QR code to accept payment. No need for additional devices.

How does UNAYO work?

Access your personal and business accounts via the smart app, assisted services mode, USSD or internet banking (coming soon!)

Smart app

You will be able to access and manage each of your business accounts as well as payments, employee roles and rights and merchant capabilities directly from your UNAYO iOS, Android or Huawei app.

Assisted services mode

This is a new feature from UNAYO. Assisted services mode is available on your UNAYO smart app.

You can help employees open and access their UNAYO accounts. If they are on UNAYO you can take advantage of free and instant payments for salaries and wages.

Your employees don’t need to have their own smart phone and can access their funds via USSD.

USSD

UNAYO is available on USSD. Please visit your country page for your short code.

If you have signed up on the smart app or assisted services mode, you will still be able to access your accounts on USSD.

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Personal UNAYO profile

  • You can sign up for a lite or pro account by digitally providing your personal information.
  • This process is done digitally through the smart app or USSD channel.
  • Your information is reviewed by the UNAYO team and after that, you will get your account.
  • If you start off with a Lite account, you can upgrade it to a Pro account using the smart app or assisted services mode.
  • A Pro account will give you access to more features (such as the ability to become a merchant or open a business account), as well as higher limits.

Business UNAYO profile

  • Once you have a Pro account, you can open a business account by providing some additional information about your business.
  • This process is done digitally through the smart app or assisted services mode.
  • Your information is reviewed by the UNAYO team and after that, you will get your account.
  • You can apply to become a merchant on your business account, and you will have access to higher limits on your account.

Unayo Busines Profile
Transactions
  • Unayo offers you the following transactions:
    • Pay for goods
    • Cash In (deposits)
    • Cash Out (withdrawals)
    • EFT transactions - On us
    • EFT transactions - Off Us
    • Funding benefit – Savings & Current accounts
    • Send Money (Mobile, Email)
    • Send Money Bulk (Mobile, Email)
    • Process voucher (Merchants)
    • Bulk disbursements (Donors)
    • Airtime and Airtime Data Sales

 

  • Future
    • Bill payment
    • International Remittance
Fees
  • Signing up and registering for Unayo is absolutely free.
  • Please refer to the Key Facts Document on your country page for more information as values may differ between regions.
Locate services
  • UNAYO is a digital platform and doesn't have traditional bank branches. Instead, it has a network of merchants who are able to perform cash in and cash outs (deposits and withdrawals). These merchants can be traders in your area and even franchises like supermarkets (and there are more joining the platform all the time!).
  • Some countries also allow you to withdraw funds at Standard Bank/Stanbic ATMs.
  • To locate your nearest service provider, please open the smart app and select the "locate services" icon on the bottom left of your screen. You can search for the nearest service provider by name or their distance from you. Once you have selected a merchant or ATM, your onboard navigation app (like Waze, Apple Maps or Google Maps) will open and direct you to that location.
  • Transactions
  • Fees
  • Locate services
  • Unayo offers you the following transactions:
    • Pay for goods
    • Cash In (deposits)
    • Cash Out (withdrawals)
    • EFT transactions - On us
    • EFT transactions - Off Us
    • Funding benefit – Savings & Current accounts
    • Send Money (Mobile, Email)
    • Send Money Bulk (Mobile, Email)
    • Process voucher (Merchants)
    • Bulk disbursements (Donors)
    • Airtime and Airtime Data Sales

 

  • Future
    • Bill payment
    • International Remittance
  • Signing up and registering for Unayo is absolutely free.
  • Please refer to the Key Facts Document on your country page for more information as values may differ between regions.
  • UNAYO is a digital platform and doesn't have traditional bank branches. Instead, it has a network of merchants who are able to perform cash in and cash outs (deposits and withdrawals). These merchants can be traders in your area and even franchises like supermarkets (and there are more joining the platform all the time!).
  • Some countries also allow you to withdraw funds at Standard Bank/Stanbic ATMs.
  • To locate your nearest service provider, please open the smart app and select the "locate services" icon on the bottom left of your screen. You can search for the nearest service provider by name or their distance from you. Once you have selected a merchant or ATM, your onboard navigation app (like Waze, Apple Maps or Google Maps) will open and direct you to that location.
How to get UNAYO
Download the App or use USSD

Download the Unayo app on your smartphone using the app store. If you can’t download the app, you can still use Unayo on any phone with USSD functionality.

Choose a Location

Select your country from the list. You can sign up for Unayo from anywhere in the world, whether you are a Citizen, Foreign National, Refugee or Asylum Seeker in a specific country.

Register your account

Complete the entire registration process for personal and business accounts online, without having to ever visit a branch!

Upgrade your account

You will be able to sign up for a personal account. After that, open a business account or apply to become a merchant.

Ready to open your Business Account?
Unayo App
Get the Unayo app

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 to transact securely and conveniently from your couch, desk, shop or wherever you are.

Let us help you on your journey - Download our App