UniCash
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Sign into UniCash Create a UniCash account
Now available in Australia

Top up once. Pay everywhere.

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

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Get it on Google Play
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See how it works Why UniCash
9:41
Good morning 🌅
Alex
A
UniCash
Account Balance
247.50 UNC
≈ A$247.50 AUD
Account
@alex
Tap to flip
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Rewards
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 business by tapping your phone, or by adding your UniCash card to Apple Wallet or Google Wallet, then tap or scan a QR code on the terminal. Instant.
Send & request UNC
Transfer UNC to any UniCash user in seconds, or request it back. Split a bill, pay a friend, and add a note so you both remember what it was for. Always fee free.
Receipts & history
Get an itemised digital receipt for every payment, right in the app. Never lose a receipt again.
A growing network of businesses
An expanding network of UniPay businesses.
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.
See the verified name of who you're paying before you confirm.
Earn as you spend
Collect points every time you pay a participating business, then use them at checkout. Always fee free.
Refer friends, earn points
Invite friends to UniCash. When they make their first purchase, you both earn points.
Built-in scam protection
Clear warnings on risky transfers, plus one-tap reporting if something doesn't look right.
Simple by design

Up and running
in three steps

01
Create your account
Download the app and complete a quick, one-time identity verification.
Done once, remembered forever.
02
Top up your balance
Top up by PayID or bank transfer.
1 UNC = 1 AUD: no exchange rate, no surprises. UNC available instantly.
03
Pay, send, repeat
Tap to pay at the terminal (your phone or your UniCash card from your Wallet), scan a QR code, or send UNC to a friend.
Your balance is always ready, always instant, always yours.
See how it works
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 business, 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 payments. 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.

Download UniCash today.

Join the growing community of UniCash users. Top up, pay, send. Up and running in minutes.

Download on the App Store
Get it on Google Play
In your browserSign in