UniFi does everything your bank does—plus global transfers with zero fees. One app. No compromises.
Sending to
| Service | Fee | Exchange Rate | Recipient Gets | Speed | Total Cost |
|---|
Join 10,000+ families already saving money with UniFi
Free account • No hidden fees • 3% APY on balance
Stop juggling multiple apps. UniFi does everything your bank does, plus features they can't match.
| Feature | Traditional Banks | Western Union | Wise | UniFi |
|---|---|---|---|---|
| Checking Account | Yes | No | No | Yes |
| Debit Card | Yes (1 card) | No | Limited | Multiple Cards |
| Direct Deposit / ACH | Yes | No | Limited | Yes |
| Bill Pay | Yes | No | No | Yes |
| International Wire Fees | $45-$50 | Up to $50+ | ~1% | $0 |
| Exchange Rate Markup | 4-5% | 3-4% | ~0.5% | 0% |
| International Transfer Speed | 3-5 Days | Hours - Days | 1-2 Days | Minutes |
| Multiple Accounts | Limited | No | No | Unlimited |
| Cross-Border Shared Accounts | No | No | No | Yes |
| USDC Wallet (Crypto) | No | No | No | Built-in |
| Interest on Checking | 0.01% | 0% | 0% | 3% APY |
| Automated Transfers & Rules | Basic | No | Limited | Advanced |
| Subscription Management | No | No | No | Built-in |
| Mobile App | Yes | Yes | Yes | Yes |
| Monthly Fees | $12-$25 | $0 | $0 | $0 |
| Minimum Balance | $500-$1,500 | N/A | N/A | $0 |
| Overdraft Fees | $35 | N/A | N/A | $0 |
UniFi does everything your traditional bank does—checking, debit cards, direct deposit, bill pay—but with zero fees, better interest rates, and features built for how people actually live and work today.
Direct deposit, ACH transfers, bill pay, debit cards—everything you need from a bank. This isn't just a transfer app, it's your complete banking solution.
Manage money together across borders. Parents in the US, kids in college abroad? One shared account, instant access, full transparency.
Create separate accounts for rent, groceries, savings, vacation—all in one app. Budget like a pro without juggling multiple banks.
Send and receive crypto (USDC) seamlessly. No conversions, no hassle. Bridge traditional banking and the crypto world effortlessly.
Your money grows automatically while sitting in your account. That's 300x more than Bank of America's 0.01% savings rate.
Auto-split paychecks between accounts, set up recurring transfers, round up purchases—your money moves on autopilot.
Track all your subscriptions in one place. See exactly what you're paying for Netflix, Spotify, gym—and cancel right from the app. No more surprise charges.
Get separate debit cards for each account. Different card for shopping, bills, or family expenses—all managed in one place.
No monthly fees. No minimum balance. No overdraft fees. No ATM fees. No international wire fees. Banks nickel and dime you—UniFi doesn't.
Real people, real situations, real savings
The Problem: Parents in the US sending money to kids abroad pay $50+ per transfer, wait days, and juggle multiple apps.
The Solution: One shared UniFi account. Parents deposit, kids access instantly anywhere. Zero fees. Complete transparency. 3% interest on savings.
💰 Save $500-1,000/year in transfer fees
The Problem: Getting paid by international clients means expensive wire fees, currency conversion losses, and complicated tax tracking.
The Solution: Receive payments in USD/USDC, convert at true rates, create separate accounts for business vs. personal, automate tax savings transfers.
💰 Save 3-5% on every international payment
The Problem: Parents sending tuition/living expenses face huge fees. Students can't access money quickly for emergencies.
The Solution: Shared account with parents. Instant access to funds. Multiple virtual cards for different expense categories. Parents see all transactions in real-time.
💰 Save $200-400/semester in wire fees
The Problem: Traditional joint accounts are all-or-nothing. No easy way to budget for different goals while maintaining some financial independence.
The Solution: Create multiple accounts (rent, groceries, vacation, emergency fund). Each person gets their own card. Auto-split paychecks. Track subscriptions together.
💰 Save $300+/year finding forgotten subscriptions
The Problem: Paying international contractors costs a fortune. Managing business vs. personal expenses is messy. Business banking fees add up.
The Solution: Separate accounts for business operations. Pay contractors globally with zero fees. Accept USDC payments. Automate expense categorization with virtual cards.
💰 Save $1,000+/year vs business banking fees
The Problem: Living in multiple countries means dealing with local banks, currency exchanges, and ATM fees everywhere.
The Solution: One account works everywhere. Hold multiple currencies. Zero ATM fees. Get paid in crypto or traditional currency. Earn 3% interest while traveling.
💰 Save $50-100/month in ATM & exchange fees
"UniFi's unique approach goes beyond any single system or technology: it's built to integrate any system or asset families use to manage money across countries. UniFi hides the complexity and shows you only what matters: a modern financial account that just works."— UniFi Blog Read more on the UniFi Blog →
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