Your money. Your way.

Modern accounts* that help you keep your money organized like never before.

UniFi is a financial technology company, not a bank. Banking services are provided by Midland States Bank, Member FDIC.

Phone showing UniFi dashboard

Organize your money into accounts

Think of accounts like folders for your money — easily create separate accounts for different purposes. This helps you track your expenses, avoid overspending, and save more money.

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UniFi accounts list

Spend from any account with your UniFi card

We’ll mail you a physical UniFi card. Choose which account you want to spend from, and change it on the fly. For example, make daily purchases from your Daily Spending account, and then spend from your Vacation Fund when you go on a trip.

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UniFi debit card

Create cards to meet your spending needs

Create multiple virtual cards, each with their own unique number and security code. This makes it easy to keep your online purchases safe and secure. You can also set spending limits on each virtual card, which helps you avoid fraud and overspending.

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Virtual cards

Shared accounts

Easily add your family to shared accounts. They’ll be able to spend from the account using their own UniFi card.

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Shared accounts

Manage and save on your subscriptions

See all your subscriptions in one place, calculate your yearly total, and lower your payments with smart saving tips. Find and cancel unused subscriptions, and save an average of $1,008.45 per year. Works with 12,000+ financial institutions.

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See all your subscriptions in one place

Send money internationally

Get better rates than Wise and Western Union through UniFi's partnership with Instarem. Send money to over 60 countries, including Mexico, the Philippines, Colombia, and more.

Send money internationally
Send money internationally

Get your account

Sign up to get personal and shared checking accounts, a UniFi debit card, and more – no account minimums.