Robo Advisor

The only multi-asset investing app in the market with active and passive investing in Stocks and ETF's, over 30 cryptocurrencies including Doge and Precious Metals including Gold and Silver. Get up to a $1,000 Bitcoin reward when you sign up.

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Unifimoney is the only multi asset investment app that supports passive AND active investing in thousands of stocks and ETF’s as well as over 30 Cryptocurrencies including Bitcoin and Dogecoin and Precious Metals including Gold and Silver. Unifimoney has been created to provide people with a better way to manage their money. They offer a single solution that includes everything you need for everyday money management — to Save, Spend and Invest. They've optimized your personal financial management to make it effortless: maximizing passive income via interest and cashback, and creating long-term financial assets through investment, automatically and by default. Unifimoney makes your money work for you — not the bank.


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Why Invest

  • No branches; more interest. Every Unifimoney account begins with a hybrid high-yield, full service checking account that pays savings-level interest (APY 0.20% today)
  • Put your money to work, not to fees. With commission free, self-managed trading, you can assemble the ultimate portfolio of stocks and ETFs, whether for retirement or that YOLO trade.
  • Let the experts help, superpowered with AI. Prefer to let the pros manage your money? As a registered investment advisor (RIA), Unifimoney brings you two tiers of professional wealth management, each using increasing levels of AI/Quant technology.

How you make money

Supporting BOTH passive robo investing and commission free trading, Unifimoney helps ensure your money is always working hard for you automatically and effortlessly whilst providing access to trade both traditional and alternative assets when you want. Unifimoney helps you automatically capture the small change that you lose everyday from low interest rates on your cash deposits, poor returns on credit cards and the opportunity cost of not dollar cost averaging with frequent investments into a low cost diversified fund. It includes a unique money management capability featuring a hybrid high-interest checking account with a Visa Debit Card, Remote Check Deposit, Bill Payment and Checkbooks and with a Credit Card coming soon paying rewards in your choice of Bitcoin, Gold or Equities.


Opening an account requires a minimum investment of just $100 and you can earn up to a $1,000 Bitcoin Reward depending on your deposit amount. Additional benefits include exclusive offers including Student Loan Refi (up to $2,500 bonus), Insurance, HSA, Mortgages, Auto Loans and more. 

How Unifimoney makes money

Unifimoney is fee free to those users who use it as their primary bank account and meet the minimum activity levels, which include a minimum direct deposit of $6k a month within 4 months of account opening (to give time to change salary payments, etc.). To keep costs low and to benefit users as a whole, they charge for accounts that are not being used the way they are intended. In the traditional banking model, the best customers are actually subsidizing the least active — they think that’s unfair. They want their best users to benefit the most and inactive users to pay their own costs rather than being subsidized by others. They make a small amount on deposit interest, interchange and investment fees.

Is it Safe?

They work with UMB Bank, one of the largest program administrators in the US (a program administrator is one that provides its services to other institutions as well as direct to consumers). Unifimoney is not a bank. To participate in the program, you must open an account at UMB Bank, n.a., Member FDIC, through which your funds will be placed in accounts at participating program banks. Your funds will be FDIC insured up to applicable limits while in transit through UMB Bank.  Customers are responsible for monitoring their total assets at each of the program banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. They also work with the leading white-label investment infrastructure company called Drivewealth. Drivewealth is member FINRA, SIPC, NFA. SOCII type 1, GDPR and CCPA compliant. Registered in all 50 U.S. states.

Things to know

  • You make money onValue + Dividends
  • Fees0.15%
  • Payout frequencyAsset Sold
  • Term of investmentZero
  • LiquidityEasy
  • Open toAll Investors


  • Country availabilityUS only
  • Assets under managementUnknown
  • Established2019
  • Mobile ApplicationIOS

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Any references to past performance, regarding financial markets or otherwise, do not indicate or guarantee future results.

Forward-looking statements, including without limitations investment outcomes and projections, are hypothetical and educational in nature. The results of any hypothetical projections can and may differ from actual investment results had the strategies been deployed in actual securities accounts.


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