Now available in Australia

Top up once. Pay everywhere.

Purchase UNC digital credits and spend instantly at participating merchants. Tap your phone, scan a QR code, or send UNC to anyone. Zero fees inside the platform.

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Open UniCash →

9:41

Good morning 👋

Alex

UniCash

Account Balance

247.50 UNC

≈ A$247.50 AUD

Account

@alex

Tap to flip

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Recent Activity See all

Invoice payment

4 Jun 2026 at 8:42 am

−18.50 UNC Completed

From Sarah K.

3 Jun 2026 at 2:15 pm

+75.00 UNC Completed

Top up

2 Jun 2026 · Bank transfer

+150.00 UNC Completed

Home

Activity

Pay

Contacts

Zero

Fees inside the platform

Zero

Subscription fees

Zero

Monthly account fees

Zero

Transfer fees

Zero

Surcharges

Zero

Hidden costs

Instant

Every payment, always

Morning coffee.
Banh mi for lunch.
Cold drink from the corner store.
UniCash goes wherever you go.

☕ Cafés

🍜 Restaurants

🛒 Grocery stores

🏪 Corner stores

🛍 Retail shops

🌿 Markets

Everything you need

Fast, free, and built
for everyday life

Top up in seconds

Add UNC to your balance via bank transfer.
1 UNC = 1 AUD, always.
No conversion, no guesswork.

Tap or scan to pay

Pay at any UniPay merchant by tapping your phone on the terminal or scanning a QR code.
Confirms instantly.

Send UNC instantly

Transfer UNC to any UniCash user in seconds.
Split a bill, pay back a friend, send to family —
all free.

Full payment history

Every payment, every transfer, every top up.
Your complete history, always visible, always yours.

Growing merchant network

An expanding network of UniPay merchants.
Look for the UniPay terminal or QR code at the counter.

Verified & secure

Every account is identity-verified.
Every transaction recorded.
Your balance is always accounted for.

Simple by design

Up and running
in three steps

Create your account

Download the app and complete a one-time identity verification.
Takes about five minutes to get started.

Top up your balance

Top up from your bank using bank transfer or card.
1 UNC = 1 AUD — no exchange rate, no surprises. UNC available instantly.

Pay, send, repeat

Tap to pay at the terminal, scan a QR code, or send UNC to a friend.
Your balance is always ready, always instant, always yours.

UniCash

Account Balance

247.50UNC

≈ A$247.50 AUD

Account

@alex

Tap to flip

UniCash

Account

@alex

Tap to flip

Rate

1:1

Fees

Zero

Speed

Instant

No surprises

Simple pricing.
Nothing hidden.

Everything inside UniCash is fee free. Top up, spend, send — your balance is exactly what it says.

Zero fees on every payment

Pay a merchant, send UNC to a friend —
no transaction fees, ever.

1 UNC = 1 AUD, always

No exchange rate. No conversion.
Your balance is denominated in AUD,
always.

No subscription required

Download, verify, top up and go.
No monthly fee to use UniCash.

For businesses

Accept UniCash
at your business.

Zero surcharges. Instant confirmation. No chargebacks. From a dedicated counter terminal to your online store — UniPay has you covered before the October 2026 surcharge ban.

Explore UniPay

Zero

Surcharges on every payment received

Zero

Chargebacks. Ever.

NFC

Tap-to-pay via UniPay Terminal

Oct

2026 surcharge ban — be ready

For you

Free to use.
Always.

No fees to join, no fees to pay, no fees to send. Your balance goes exactly as far as you top up — not a cent less.

For your local

A better deal
for them too.

Every time you pay with UniCash, your favourite café, restaurant, or corner store saves on fees. No card processing costs. No surcharges. Just a better deal for everyone.