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Accounts

UniFi accounts are U.S.-based USD accounts with real account and routing numbers. They work like traditional bank accounts, but with built-in features for receiving and sending money globally.

What you get

Every UniFi account includes:

  • Account number and routing number — Real U.S. banking credentials for ACH transfers, direct deposits, and wire transfers
  • USDC address — A crypto wallet address for receiving USDC stablecoins
  • Multiple accounts — Create separate accounts for different purposes (savings, bills, travel, etc.)
  • Custom names — Name your accounts anything you want, including emojis
  • Instant transfers — Move money between your UniFi accounts instantly

Receiving money

UniFi accounts can receive money from multiple sources and currencies. Everything arrives as USD.

From the U.S.

Share your account and routing numbers to receive:

  • Direct deposits from your employer
  • ACH transfers from any U.S. bank account
  • Wire transfers

From the Philippines

Share your QR code with family or friends. They scan it from GCash, Maya, or any Philippine bank app, send PHP, and it arrives as USD.

PHP deposits automatically convert to USD at the mid-market rate. No markup. No fees.

Via USDC

Every UniFi account has its own USDC address. You or anyone else can send USDC to your address (via QR code or wallet address) and it auto-deposits into your account as USD.

From Europe (EUR)

You can enable EUR account details to receive SEPA transfers. Share your IBAN and funds sent in EUR auto-convert to USD at the mid-market rate.

From Mexico (MXN)

You can enable MXN account details to receive transfers from Mexican banks. MXN sent to your account auto-converts to USD at the mid-market rate.

Sending money

From your UniFi account, you can send money to:

  • U.S. bank accounts — Send to any checking or savings account
  • Philippines — Send to any bank or e-wallet (GCash, Maya, BDO, BPI, UnionBank, and more)
  • Europe — Send to any EU bank account via SEPA
  • Mexico — Send to any Mexican bank account
  • Other UniFi members — Send instantly to any UniFi user

Don't have your recipient's bank details? Send to their email or phone number and let them choose how to receive the money.

Creating accounts

You can create as many accounts as you need. Many users organize their money using the "envelope method"—creating separate accounts for rent, groceries, savings, and more.

To create a new account:

  1. Open the UniFi app
  2. Tap the + button from the Accounts section on your dashboard
  3. Choose a name for your account
  4. Your new account is ready instantly

Finding your account details

To find your account and routing numbers:

  1. Open the UniFi app
  2. Tap on the account you want
  3. Tap Account Details
  4. Your account number, routing number, USDC address, and other details are displayed

You can share your account details directly from the app—just tap the copy button, and paste wherever you'd like: messaging apps, email, etc.

Security

Your UniFi accounts are protected by:

  • Enterprise-grade encryption
  • Real-time fraud detection
  • Two-factor authentication

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