All your personal banking in one easy and reliable app, a digital wallet at your service.

Get your IBAN instantly

Download the UCPAY app, sign-up and register for a new account. Getting an IBAN was never simpler!

Exchange currency with the lowest rates

Privileged rates for easy and simple currency exchange in over 150 currencies

Manage all your accounts from the palm of your hand

Your wallet is now on your phone! Get instant access to your accounts, anywhere in the world through our handy app.

Your money is safe with us

UCPAY is regulated by the FCA, with funds safeguarded by hinge end global banks for your utter peace of mind

Send and receive payments globally in more than 150 currencies

Pay across the globe using our SEPA an SWIFT channels in EUR, USD, GBP and all major global currencies 


Receive payments from across the world  in a safe and efficient way with the personal banking services of UCPAY


Exchange funds with the lowest fees in more than 150 currencies


  All our fees
     are known and

Choose your plan for the best experience
No surprise fees

After selecting your plan, there will be no hidden or unexpected charges to your UCPAY account. Your only surprise, our excellent banking services!

All our fees are known and transparent

Our services are upfront and transparent, so you can rest assured that you will be charged with nothing more than what is clearly stated in your selected plan.

Here’s How it Works

Your financial life all in order. Get instant access and manage your accounts and cards, send and receive money around the world with the handy UCPAY and save time and money!


Download UCPAY App on Android or iOS

Download the UCPAY App on your phone or tablet and sign-up in quick and easy steps.

Create your unique account

Select the account type that best suits your business or personal needs and create one or more digital accounts with unique IBANs.

Keep your money safe

Manage all your accounts in one place, and transfer money fast and easy.

Stay secure all the time

UCPAY is a service provider you can depend on for all your local and international financial transactions.

Make all your transactions instantly

Transfer money in your account and start sending and receiving payments anywhere you are.