Frequently Asked Questions

Find answers to common questions about using UniFi.

About UniFi

Where is UniFi available?

UniFi is available to users in most countries around the world. You can open a USD account, earn 3% rewards, send and receive money to/from the US, Mexico, Philippines, and Europe, and use USDC. The UniFi Card is currently available in the US and Mexico, with more countries coming soon.

What can I do with a UniFi account?

Hold USD and earn 3% rewards, send money internationally with no fees, get a virtual Visa debit card, share accounts with family, and send/receive USDC.

Is UniFi free to use?

Yes. There are no monthly fees, no minimum balance, and no fees to send money to the Philippines, Mexico, or Europe. Deposits via debit card have a 3.5% processing fee (see "Transfers and Deposits" below for details). Sending USDC to an external wallet has a 1.5% fee.

How do I contact support?

Email [email protected] or use the in-app chat. Include your confirmation number if asking about a specific transaction.

Does UniFi have a referral program?

Yes! You can invite friends and family to join UniFi from your Referrals page. While there's no fixed reward for each referral, we occasionally run promotions to reward our top referrers.

Virtual Cards

Why can't I create a virtual card?

UniFi cards are currently available to customers in the US and Mexico. If you're in an eligible country and still seeing an error, your account verification may still be in review. Check your Cards page to see the status. If you already have an active card, note that each customer can have one active virtual card at a time.

My card has been "reviewing" for several days. What's going on?

Card access requires a compliance review that's separate from standard account verification. In some cases, manual review is required. This review is usually completed within 3 business days but can take up to 7 business days.

If your initial card authorization expired before the card was created, you may need to re-verify your details by going to the Cards page and following the prompt to re-enter your SSN. If you've already re-verified and it's still under review, sit tight. We'll notify you as soon as there's an update or if we need additional information.

What are the limits on my virtual card?

The daily spend limit on your virtual card is $2,000. If you plan to use your card in stores, make sure to set a PIN from the card details screen.

Can I use my UniFi checking account to pay bills?

Yes. You can use your UniFi checking account to pay bills just like a traditional bank account, using the account and routing numbers for ACH payments.

Transfers and Deposits

How long do ACH transfers take?

ACH transfers typically take 1–3 business days to process and settle. You'll usually see the debit from your bank account within a day or two, with the funds becoming available in your UniFi account once settlement completes. Transfer times can vary based on your bank's processing schedule and cutoff times.

My last transfer was fast, but this one is taking longer. Why?

Even when a debit has "posted" on your bank statement, the underlying ACH transfer can still take additional time to fully clear. Processing speed can vary transfer-to-transfer due to bank batching and cutoff times, weekends and holidays, and additional review steps that sometimes happen on the bank or network side.

I sent money to my Philippine bank account (BDO, etc.) but haven't received it yet. What should I do?

Most transactions are processed instantly, but occasionally there can be delays on the receiving bank's side, especially around holidays. If your transfer is taking longer than expected, contact support and we'll look into it for you.

My QR-PH deposit isn't showing up. Where are my funds?

QR-PH deposits are usually instant, but occasionally they can take a few extra minutes to settle. Your funds are safe and will be made available as soon as the deposit completes. If there's a delay, it may be due to a brief maintenance window.

My transaction has been pending for a while. What should I do?

Check the expected processing times for your transaction type. If your transaction is still pending after that timeframe, email [email protected] with your Customer Reference Number (found in the transaction details in the app) and we'll investigate. Please use email rather than the in-app chat for pending transaction issues — it allows our team to look up your transaction directly and resolve it faster.

My deposit shows in my balance, but I can't send or withdraw it. Why?

After a bank deposit, we may place a temporary security hold while we complete a short review. During this time, the funds will appear in your balance but won't be available to send or withdraw. These holds are temporary and usually clear within a few days. Your funds are safe, and availability updates automatically once the review is complete. For more details, see Deposit Availability.

Can I cancel a transfer that's in progress?

Once a transfer is "in flight," we're not able to cancel it from our side. You'll need to wait for the transfer to complete.

Is there a fee to add money with a debit card?

Yes. Debit card deposits have a 3.5% processing fee. For example, if you deposit $100, the fee is $3.50, so $103.50 will be charged to your card. The maximum gross amount (deposit + fee) per transaction is $500. Deposits are usually instant but can take up to 48 hours.

Adding money from a linked bank account (ACH) has no fee.

Declined Transactions

My card transaction was declined. What should I do?

First, make sure the UniFi account connected to your card has sufficient funds and is unlocked. If you're paying in-store, you'll need to have a PIN set on your card—you can do this from the Card screen in the app or on the website.

Linking Bank Accounts

I connected my bank account through Plaid but don't see it in UniFi. What happened?

If you've completed the Plaid connection process but don't see your linked account in UniFi, please contact support so we can investigate the issue.

Does UniFi accept trial deposits from other banks for account verification?

Yes, your UniFi checking account can receive trial deposits from other banks. These typically appear within 1–2 business days. If you're not seeing them after that, contact support.

Account Verification

I verified my account, but I still can't access certain features. Why?

Some features, like card issuance, require additional compliance review beyond standard account verification. UniFi cards can only be issued to customers in the US and Mexico, but can be used globally everywhere Visa is accepted. For newer accounts or larger deposit amounts, we may also need to complete a quick verification step as part of our routine fraud and risk controls. In these cases, we may ask you about the purpose of your transaction (for example, personal savings, sending money to family, or bill payment).

What identification numbers are accepted for verification?

The type of identification number required depends on your country of residence. In the United States, we accept either a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN). For users in other countries, we accept various government-issued identification numbers such as tax IDs, national IDs, and other official documents. For a complete list of accepted identification types by country, see our Identity Verification guide.

Why do you need my Social Security Number?

U.S. federal law requires financial institutions to verify customer identity to prevent fraud, money laundering, and other financial crimes. Your SSN (or ITIN) is used solely for identity verification—we never use it for credit checks or share it with third parties for marketing purposes. Your information is protected with enterprise-grade encryption and strict access controls. For more details, see our Identity Verification guide.

How do I enter my ITIN instead of SSN?

During the "Verify your identity" step of account setup, tap the dropdown that says "Social Security Number" and select "Individual Taxpayer Identification Number" instead. Then enter your ITIN and tap Verify. Both SSN and ITIN are fully supported for all UniFi features.

Account Security

I think my email was hacked and someone made unauthorized transactions. What should I do?

Contact support immediately. Let us know that the activity is unauthorized, and request that we stop any pending transfers and freeze any accounts that received funds. You should also contact your bank directly to report the unauthorized activity.

Account Closure

How do I deactivate and delete my UniFi account?

To close your account, contact support and request account deletion. We'll verify your identity and confirm the status of your account. If identity verification was never completed, no financial accounts, cards, or balances were created, and we can simply close and disable your account.

Crypto Transactions

I sent crypto to my UniFi account but didn't receive it. What happened?

There are a couple of common reasons:

1. Wrong cryptocurrency — Only send USDC to the USDC address on your UniFi account. Other cryptocurrencies sent to your USDC address will be lost and cannot be recovered.
2. Below minimum — There is a $1 minimum for USDC transactions on the Solana network. Transfers below that amount won't go through.

Still Need Help?

If your question isn't answered here, please contact our support team at [email protected]. When reaching out, include your confirmation or reference number if applicable—this helps us locate your transaction quickly.