Open in two minutes
Banking that keeps up with you.
Three accounts, twelve currencies and one PIN-protected dashboard. Send, withdraw, pay bills and save without a queue.
Local & international
Send money anywhere, in the currency they need.
Free local transfers in seconds. International to any bank with SWIFT and IBAN at a clear 1.5%.
Visa & Mastercard
Request a card. Pay the fee. You tap.
Ask for an ATM debit or virtual card. The fee comes from the account you link, and you can freeze it in one tap.
Loans from 9.9% APR
Borrow with a plan, not a surprise.
See your monthly payment before you apply, repay early with no penalty, and track the decision live.
Up to 4.5% APY
Save for what matters most.
Create goals like “New laptop”, fund them from any account and watch the progress bar fill.
Ten service categories
Every bill, one place.
Utilities, internet, tuition, health, donations, transport and tax, paid from the account you choose.
Money that moves the way you do.
Three accounts, twelve currencies, one PIN-protected dashboard. Send, withdraw, pay bills, request a card and save for what matters, without a single queue.
Explore our services
Everything you need, in one place.
Discover the services available from unitycreditline.
Accounts
Banking built around you.
Whether you are managing personal finances or running a business, explore the banking options available to you.
Bank on your terms
Your bank, wherever you are.
Sign in to access your account, manage transfers and explore the services in your dashboard.
Here to help
A partner for your next step.
Learn about our banking services, loans and grants, or get in touch with our team.
12currencies supported
10bill & service categories
3ways to add money
24/7card freeze control
Quick actions
Everything you pay for, in one place.
From school fees to the electric bill, pick a service, choose a provider and approve with your PIN.
Pay bills
Education
Donations
Loans
Pay tax
Health
Transport
Utilities
Airtime
Internet
Cable & TV
International
Accounts
Checking. Savings. Current.
All three open the moment you register, each with its own account number, so you can keep spending, saving and business money apart.
Checking
Daily spending and bills.
Savings
Earn up to 4.5% APY.
Current
Business-style flow.
- Move money between your own accounts instantly
- Sign in with any of your account numbers
- Choose your primary account at sign-up
Your currency, your way
Pick the currency you live in.
Choose from 12 currencies at sign-up and your accounts open in it by default. Send to someone on a different currency and we convert it for you at a clear rate.
USDEURGBPCADAUDCHFAEDINRSGDNZDSEKNOK
1 USD0.92 EUR
1 USD0.79 GBP
1 USD1.37 CAD
Sample rates, not current exchange rates.
Send money
Local in seconds. Worldwide in a few taps.
Local transfer
Enter an account number, confirm the name, approve with your PIN. Free, and instant.
International
Send to any bank with SWIFT and IBAN in the currency your recipient wants. 1.5% with a small minimum.
ATM & virtual cards
Request a card. The fee comes from your balance.
Ask for a Visa or Mastercard from your dashboard. The card fee is taken from the account you choose, and the card is issued right away. Details stay behind your PIN.
- Physical ATM debit or virtual card
- Fee charged from the linked account
- Freeze and unfreeze any time, no phone call
- Card details only revealed after PIN
Add money
Crypto, check, or a gift card.
Choose the account to fund. Crypto addresses are shown in Add money.
Crypto
Send to the address shown
Check deposit
Photo of the front
Virtual gift card
Brand, code and PIN
Savings goals
Give every dollar, euro or pound a job.
Create goals like “New laptop” or “Summer trip”, fund them from any account and watch the progress bar fill.
New laptop71%
$1,640 of $2,300
Loans
Borrow with a plan, not a surprise.
Apply from your dashboard, see your monthly payment before you commit, and repay early with no penalty.
Illustrative. Final terms are set when your application is reviewed.
Pay bills
Electricity, water, internet and TV. Done.
Pick the provider, enter your meter or customer number, and pay from whichever account you choose.
Education
Tuition, exams and courses without the queue.
Pay university or school fees, exam registration and online courses straight from your dashboard, with a receipt for every payment.
Health
Look after yourself.
Settle hospital bills, refill prescriptions and pay premiums in a tap.
Donations
Look after others.
Support charities such as the Red Cross, UNICEF and WWF, or your local cause.
Transport & tax
Metro pass, flights and tax in one flow.
Top up a transit pass, fuel card or ride wallet. When tax season arrives, pay income, property or vehicle tax with a clear reference.
For small business
Keep the shop and the savings separate.
Use your Current account for suppliers, payroll-style transfers and taxes while your Savings stays untouched.
Bills & utilities
- Utilities: power, water and gas
- Airtime, data, internet and cable TV
- Insurance, rent, subscriptions and more
Transport & tax
- Metro pass
- Income tax
- Airline ticket
Current account
- Instant transfers between your own accounts
- Clean ledger with the balance after every transaction
- International supplier payments in their currency
Security first
Three locks. All of them yours.
Your account number gets you to the door, your password opens it, and a private six-digit PIN approves every movement of money.
01
Account number
02
Password
03
6-digit PIN
Passwords and PINs are hashed. Five wrong attempts lock the account for 15 minutes.
Mobile dashboard
Your whole bank, one calm screen.
Balances, quick actions, spending, savings goals, cards and notifications, designed phone-first with a thumb-friendly tab bar. Every money flow is a short step-by-step sheet.
- Upload your own profile picture
- Spending breakdown for the last 7 days
- Live notifications for every credit and approval
- Add it to your home screen for an app-like feel
Three quick steps to full limits.
Upload a government ID and a selfie from your dashboard. A reviewer checks them and your limits lift, with loans and card requests unlocked.
1. Choose a document
2. Upload photos
3. Get verified
How it works
From hello to first transfer in four steps.
1
Register
Tell us about you, choose your currency and primary account.
2
Secure
Set a strong password and a private 6-digit PIN.
3
Fund
Add money with crypto, a check, or a virtual gift card.
4
Go
Send, pay bills, save, borrow and request your card.
Sample comparison
Why customers switch.
| Westvale sample | Typical bank | |
|---|---|---|
| Monthly fee | None | $5–$15 |
| Accounts on sign-up | 3 (checking, savings, current) | 1 |
| Choose your currency | 12 currencies | Local only |
| Card approval status | Live in dashboard | Wait for post |
| Freeze a card | One tap | Phone call |
| Sign-in locks | Account + password + PIN | Username + password |
Sample rates & fees
Simple numbers. Nothing hidden.
4.5%
Savings APY
9.9%
Loans from APR
Free
Local transfers
1.5%
International (min $5)
$1
Withdrawal fee
$0
Monthly fee
Sample customer stories
People who bank differently.
Illustrative testimonials from the template, not verified customer reviews.
★★★★★
“I get paid in dollars and spend in pounds. Choosing my currency at sign-up and sending internationally from one place saved me hours every month.”
Amara O.
Freelance designer, London
Freelance designer, London
★★★★★
“The current account keeps shop money separate from my savings. Paying suppliers and utilities from the same dashboard is a relief.”
Daniel C.
Café owner, Toronto
Café owner, Toronto
★★★★★
“I added money, paid tuition and set a goal for my laptop in one evening. The PIN step makes it feel safe.”
Sofia M.
Graduate student, Madrid
Graduate student, Madrid
★★★★★
“Requesting my card took a minute and the fee came straight off my balance. Freezing it from the app is the feature I did not know I needed.”
Priya N.
Nurse, Dubai
Nurse, Dubai
Sample FAQ
Questions, answered.
These are template examples, not verified account instructions.
Three steps: your 10-digit account number, your password, then your private 6-digit PIN. We never tell you which step was wrong, so nobody can guess their way in.
Pick from 12 popular currencies when you open your account (USD, EUR, GBP, CAD, AUD, CHF, AED, INR, SGD, NZD, SEK and NOK). Your accounts open in that currency by default, and transfers to people on a different currency convert automatically.
Checking for everyday spending, Savings for money you want to grow, and Current for business-style activity. All three open together, each with its own account number.
Request a Visa or Mastercard from the Cards tab. The card fee is taken from the account you link, and the card appears right away with its number, expiry and a freeze switch.
Crypto, a check deposit, or a virtual gift card. Crypto addresses are shown when you choose the coin.
No monthly fee. Local transfers are free, withdrawals carry a flat $1 equivalent, and international transfers are 1.5% with a small minimum.
Use “Forgot password” or “Forgot PIN” on the sign-in page. Enter your account number, email and date of birth, then set a new one with a one-time code.
A quick check of a government ID and a selfie. Until you are verified, single transactions are capped; once approved, limits lift and loans and card requests unlock.
Use the contact page. We email a confirmation straight away and reply within one business day.
Money tips, monthly.
One short email. No spam. Unsubscribe any time.
Sample newsletter text only; no subscription service is connected.
