# Payunicard > Digital wallet and loyalty program for managing e-money and earning rewards. (iPhone/iPad app by Payunicard.) - Source: https://appshunter.io/ios/app/payunicard/id1601218066 (this page in markdown: same URL + `.md`) - Developer: [Payunicard](https://appshunter.io/developer/1601218068) - Category: Finance, Business - Price: Free - Rating: 3.80/5 from 14 App Store ratings · 6 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 64 MB - Languages: American English - Released: 2021-12-23 - Data updated: 2026-08-02 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/payunicard/id1601218066/reviews.md ## What is Payunicard? MY EVERYDAY LOYAL UNIWALLET PayUnicard Application is an everyday tool to manage your e-money account and get rewards for financial transactions. PayUnicard LLC - first in CISSEE region non-financial institution offering wallets linked with VISA & MasterCard prepaid cards with built-in comprehensive loyalty functionality. You can board, open a wallet or card accounts, order your VISA or MasterCard online, send money, exchange currency, utility payments, get customized loyalty offers, form merchants directly, collect and spend UNIPOINTS and be the part of Unicard loyalty program together with 2 mln customers, enjoying community advantages while making transactions. PayUnicard Products – Prepaid Visa/MasterCard cards for international use are tightly integrated with Unicard loyalty functionality and partnership network. Our Loyal customers and cardholders receive special rates, e-money cashback, UNIPoints, online vouchers and presents, discounts and countless ongoing hot offers from UNIcard partner merchants. - Become our customer online - Manage your money easy way! - See an easy summary of payments/transactions - Collect and spend Unicard bonuses with no limitations - Take an overview of your spending’s any time, be notified if you’re spending too fast. With Payunicard APP customers can combine payment and loyalty cards in one space, spend your –e-money everywhere Visa/MasterCard is accepted, F2F and online, transfer or exchange money, pay utility bills. Before anything else you will benefit from each financial transaction – earn while other spend! ## Key features - Manage e-money accounts - Order prepaid Visa/MasterCard - Send and exchange currency - Pay utility bills - Earn and spend UNIPOINTS - Access customized loyalty offers - Track transactions and spending ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/payunicard/id1601218066/reviews.md ### 1/5 — Unprofessional Support & Broken System *2025-01-29, version 8.6.7* Payunicard is extremely crude—nothing works as expected. Their staff, like Beka Adamia, don’t even understand how their own system works. He implied that my last name was misspelled because I entered it wrong, when in reality, names are taken directly from passports during verification. This level of incompetence is unacceptable. If the staff doesn’t even know how their own product works, how can they handle customer issues properly? Avoid this service if you value reliability. ### 1/5 — Code to confirm account never been send *2024-11-21* I wish I could start using the app unfortunately it doesn’t send the sms code so I never was able to confirm my phone number neither my account ### 1/5 — The worst app *2024-08-28, version 8.6.7* I opened one more multi currency account, which is paid service in payunicard. But i wanted to be able to send and receive Euro and dollars on one account, so i did open. And after that i tried to send the money - USD this time to my payunicard by card number. Guess what i received? You think USD? NO - I received GEL on my “multi currency” account and received -50usd less in GEL then i sent in USD, because it converted with their poor exchange rate. On my all questions to support they say that i had GEL “priority” in my MULTI currency account 🤡 I dont know what is definition of MULTI currency in the universe of payunicard, but for me and many other normal services - that means i can send and receive same currency which i sent on my MULTI currency account that currency supported by account.. But payunicard says i had GEL “priority” on MULTI currency account 🤡 ### 1/5 — Awful app and service *2024-08-16, version 8.6.7* Maybe the worst financial app I ever used on iPhone. You are a hero if you've passed the account verification in 1 attempt ### 3/5 — Very crude service, not much works *2024-03-04, version 8.5.1* I’ve given 3 stars only for the idea of crypto/fiat wallet(it can be 2 stars), but everything is too crude. I don’t know how WhiteBit can work as a partner with this service and announce collaboration. 3 time I’ve tried to do KYC - it doesn’t work, not verified without normal feedback. Developers, what about customer service and support and when this service will be worked correctly? If we fix these problems, I can change my mind and check my feedback. Thank you for good idea, but a lot of thing you should do yet ### 3/5 — A lot of bugs *2023-11-24, version 8.4.1* Balance shows incorrectly. My real balance is -0.05$ but it shows me 0.34$. How this is possible? Before that, I’ve sent 50$ from another bank, and it was showing me 104$ for couple of days. No chat support inside the app. When I sent 50$ from another bank, this money was blocked for few days and I didn’t know why. Would be good to have some explanation there ## Frequently asked questions about Payunicard ### What is Payunicard? Payunicard is an everyday tool designed to manage your e-money account and provide rewards for your financial transactions. It offers a digital wallet linked with prepaid VISA and MasterCard cards, featuring comprehensive loyalty functionality. ### How do I become a Payunicard customer? You can become a customer online by boarding and opening a wallet or card account directly through the Payunicard application. This process allows you to order your VISA or MasterCard online. ### What kind of rewards can I get with Payunicard? With Payunicard, you can collect and spend UNIPOINTS with no limitations, receive special rates, e-money cashback, online vouchers, presents, and discounts from UNIcard partner merchants. ### Is Payunicard secure for financial transactions? While the description emphasizes comprehensive loyalty functionality and linked payment cards, specific security protocols are not detailed. Users can manage their money easily and see an overview of transactions. ### What devices does Payunicard support? The Payunicard application is available for iPhone and iPod devices. It is designed to help customers manage their money easily and track spending. ### How often is Payunicard updated? The latest version of Payunicard is 9.0.5, last updated on January 23, 2026. This indicates a relatively frequent update cycle for the application. ### What is the user sentiment for Payunicard? Payunicard has a rating of 3.6 stars from 12 ratings. This suggests a mixed user sentiment, with room for improvement in user satisfaction. ### Does Payunicard have ads? No, Payunicard does not contain advertisements. The application is free to use and does not display any ads to its users. ## Version history (last 5 releases) ### 9.0.17 — 2026-08-01 We’ve polished the gears and tightened the bolts. This update includes performance enhancements and minor bug fixes to keep your experience smooth and secure. ### 9.0.16 — 2026-07-01 Bug fixes and performance improvements ### 9.0.15 — 2026-05-28 Bug fixes and performance improvements ### 9.0.14 — 2026-05-27 Bug fixes and performance improvements ### 9.0.13 — 2026-04-24 We’ve polished the gears and tightened the bolts. This update includes performance enhancements and minor bug fixes to keep your experience smooth and secure. ## Apps similar to Payunicard | App | Rating | Price | Category | | --- | --- | --- | --- | | [Finbureau](https://appshunter.io/ios/app/finbureau/id1616803440) | 5.0 (2) | Free | Finance | | [TBC Pay Mobile](https://appshunter.io/ios/app/tbc-pay-mobile/id1441646599) | 4.9 (2,523) | Free | Finance | | [Keepz POS - Get paid easily](https://appshunter.io/ios/app/keepz-pos-get-paid-easily/id1579469134) | 4.7 (14) | Free | Finance | | [MyCreditinfo](https://appshunter.io/ios/app/mycreditinfo/id1335937376) | 3.9 (42) | Free | Finance | | [Re\|Bank](https://appshunter.io/ios/app/rebank/id1531465907) | 3.9 (32) | Free | Finance | | [Cashback 365](https://appshunter.io/ios/app/cashback-365/id1470043867) | 4.7 (44) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-02.*