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UniFi - Spend, Send, and Save

UniFi - Spend, Send, and Save

Build a safe financial future

9 ratings
11 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • February 7, 2024
  • June 25, 2026

Features

Developer

UniFi Payments
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iphone
ipad
⭐11
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🔄6+ apps
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About

Manage your global finances with a modern account designed for families. Hold USD, send money internationally, and spend worldwide with a linked card. Supports multiple currencies and convenient transfer methods for seamless cross-border transactions.

✓Hold U.S. dollars globally
✓Earn 3% rewards on balance
✓Send money internationally (PHP, MXN, EUR)
✓Receive funds via ACH, wire, SEPA, SPEI
✓Share accounts with family
✓Spend with UniFi Card (Apple Pay)
✓Get paid via account/routing number or USDC
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What's New in UniFi

1.27

June 25, 2026

We’ve made UniFi faster, smoother, and more reliable. This update includes a snappier app experience, performance improvements, and bug fixes to help everything run more smoothly.

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User reviews

Most RecentHighest RatedLowest Rated

Great for sending or storing money

I have been using this for six months now and it's excellent to send money from the US elsewhere. Adding money from my debit cards at my external Banks is a great feature that all Banks should have but not many do. The only downside of adding money from my debit card is it's not instantly available in my account. Sometimes it is but most of the time it's within 48 hours which I can deal with. Thanks UniFi you guys are great!
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Blakedd420Blakedd420

Best Rate & No Fees

Very easy to send funds to the Philippines, great rate and no fees. I like it that I can remit money as many times as I want without fees, great exchange rate while earning 3%reward. Once set up is done, gets easier from there.
JjsonlayJjsonlay

Response from developer

Thank you so much for the kind review! We’re really glad to hear you’re enjoying the easy transfers to the Philippines, great exchange rates, and fee-free remittances. It’s great to know the setup paid off and things feel smooth now. We appreciate your support and trust in UniFi!

The Best Way to Send Money to the PH & Manage Money between US<>PH — Fast, Affordable, and Reliable!

I work in the US and have tried every remittance app under the sun to send money back home to the Philippines, but UniFi is hands down the best. Most apps hit you with hidden fees or terrible exchange rates, but UniFi is transparent and incredibly fast.

What really sold me is the Shared Accounts feature. I can co-manage funds with my family back home, which makes handling household expenses so much easier than sending money blindly. Being able to hold my balance in USD (and even USDC) while earning 3% APY on my balances is a huge upgrade over a traditional bank.

I recently used it to send a Digital Aguinaldo for the holidays, and it was so simple and instant. If you’re an OFW or Fil-Am , do yourself a favor and switch to UniFi. It’s banking that actually understands the global Filipino family!
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Jdeclaro1Jdeclaro1

Response from developer

Thank you for such a thoughtful and detailed review! We’re honored to hear that UniFi has made sending money home easier, faster, and more transparent for you. It’s great to know Shared Accounts, flexible USD/USDC balances, and earning rewards are helping you support your family with confidence. We truly appreciate your trust and are grateful to be part of how you care for your loved ones.

Does what it says on the tin

I’ve got family in a few different countries and UniFi has made sending money around way simpler. My parents got the money instantly which I honestly wasn’t expecting.

Transfers are quick and easy. I’ve tried a bunch of apps like these and keep ending up back on UniFi.

Really like that there are no fees. And every time I check the rates they’re better than other apps.

Reliable and easy to use. Thanks
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PlainTextOnlyPlainTextOnly

Response from developer

Thank you for the kind words! We’re really happy to hear UniFi has made supporting family across countries simpler and faster than expected. Instant transfers, great rates, and no fees are exactly what we aim for. We truly appreciate you choosing UniFi and coming back to us—thanks for your trust and support!

Coy

This is a really horrible app to use for you banking. I signed up with UniFi three days ago and today I was logging in to make a deposit, which I unable to login. From this point I can tell they closed my account and there is nowhere I’m gonna get intact with a support.
MajorMcCoyMajorMcCoy
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FAQ

What is UniFi?

UniFi is a modern financial account designed for global families. It allows users to hold U.S. dollars, send money internationally to various currencies, and spend funds using a linked card. The app aims to simplify cross-border financial management.

How secure is UniFi?

UniFi connects to bank networks, card networks, wallets, and crypto rails securely behind the scenes. While not a bank, the Prepaid Debit Visa Card is issued by Lead Bank and managed by Bridge Ventures, LLC, adhering to industry security standards.

What countries can I send money to with UniFi?

UniFi allows instant sending of funds to PHP, MXN, or EUR to local bank accounts and wallets. The app supports receiving funds via ACH, wire, SEPA (IBAN), and SPEI (CLABE), indicating broad international reach.

Can I share my UniFi account with family members?

Yes, UniFi is built for global families and allows you to share accounts with family members across borders. This feature facilitates easier financial support and management for households with members in different locations.

How can I spend money from my UniFi account?

You can spend your UniFi balance from anywhere using your UniFi Card, which supports Apple Pay. This provides a convenient way to make purchases globally using the funds held in your account.

Does UniFi have any fees?

Fees may apply when using UniFi services. The app description advises users to see the UniFi website for more details on specific fees. It's recommended to check their site for a comprehensive fee schedule.

What devices does UniFi support?

UniFi is available for iPhone, iPad, and iPod devices. The app is designed to be accessible on Apple's mobile ecosystem, allowing users to manage their finances on the go.

How often is UniFi updated?

The latest version of UniFi is 1.25, and it was last updated on April 15, 2026. This indicates a recent update, suggesting ongoing development and maintenance for the application.