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Welcome to UNAYO Zimbabwe
Unayo is a secure digital platform, powered by Standard Bank. Unayo makes it easy for you to transact instantly from wherever you are.
Zim UNAYO

What Unayo offers in Zimbabwe

Unayo is Standard Bank’s global digital platform that connects people, businesses, and communities.

All you need to do is download the Unayo app on your smartphone, or sign up with USSD, create your profile and you’re ready to go!

Unayo means ‘You have it’, and once you have Unayo, you can use it anywhere.

With UNAYO you can
Cash In and Out

Transact using cash ins and cash outs to move money instantly, directly from your phone

Take care of bills

Pay your monthly bills and shop from wherever you are.

Zim UNAYO With Unayo you can
Transfer funds

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

Transact securely

Collect your wages and salary, or receive payments securely from anyone, anywhere.

What are the benefits of UNAYO

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.

Access to services

Locate branches in your community. The branches  can assist you with transactions, such as cash in and cash outs.

Free transactions

Make use of free transactions to send money to friends and family. Pay for goods and services using your UNAYO account and your personal QR code.

How does UNAYO work?

You can access UNAYO via the smart app, assisted services mode, USSD or internet banking (coming soon!)

Smart app

UNAYO is available for iOS, Android and Huawei. Simply go to your app store and download the latest version. You will be able to select your country and language and start your onboarding journey. It will also be your portal for all UNAYO’s services.

Assisted services mode

This is a new feature from UNAYO. Assisted services mode is available on your UNAYO smart app. It allows your friends and family to access their UNAYO accounts, apply for, or upgrade their Lite accounts, apply to become a merchant or open a business account, without having their own smart phone. None of their information is stored on your device, and they don’t have access to your accounts.

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.

Internet Banking

  • Internet banking is live.
  • You will be able to use the interface to perform a number of the same transactions as the smart app for personal and business accounts.

Image with Text RH

DigitalBanking Zambia
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 to 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
    • Send Money (Mobile, Email)
    • Send Money Bulk (Mobile, Email)
    • Bulk disbursements (Donors)

 

  • 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 found at Stanbic Branches. 
  • 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
    • Send Money (Mobile, Email)
    • Send Money Bulk (Mobile, Email)
    • Bulk disbursements (Donors)

 

  • 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 found at Stanbic Branches. 
  • 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
Choose a location

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.

Quick registration

You can complete the entire registration process for personal and business accounts online, so you don’t even have to visit a branch!

Select account type

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 UNAYO personal account?
Interested in Opening a Business Account?
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.
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