Contributor, Benzinga
July 27, 2021
Overall Rating:
securely through Unifimoney's website

Headquartered in San Francisco, Unifimoney works with a diverse team, employing a wide range of experience, covering 7 languages and uniting desire with intent to make banking and investing easier for everyone. Automated investments and increasing returns ensure that Unifimoney is the best place for you to invest and store your cash.

Best For
  • Investors who also want a better banking experience
  • Crypto enthusiasts
  • New investors
  • Anyone looking to save money
  • Various banking and online investing options
  • High-yield checking
  • No commissions
  • Automated investing options
  • App only; no desktop platform

Unifimoney Ratings at a Glance

Investment and Banking Options
Customer Service
Pricing and Fees
Mobile App
User Benefits
User Experience
Overall Rating

Unifimoney Investment and Banking Options

Robo Investing and Auto Invest: Unifimoney manages your investment portfolio for you customized to your risk profile. Unifimoney does most of the work and endeavors to increase your ability to turn a profit. You may not have time to review the many investments available to choose from, so Unifimoney does it for you. 

The auto-invest feature lets you dollar cost average automatically and without effort. Deposit interest is paid into your Robo fund with a minimum monthly contribution of $25 that can be set as high as you want.  The 2 levels of Robo, Basic and Advanced, differ in the frequency of the model portfolio being updated. Basic, which updates annually, charges 0.15% per year of assets under management (AUM), 40% cheaper than most Robo investment apps. The Advanced level updates quarterly.

High-Yield Checking: You earn money on your checking balance without hassle. The automatic funding feature allows you to move money from another bank into Unifimoney on payday, at the end of the month or for any reason.  Easy inter-bank transfers mean you don’t have to change banks to benefit from Unifimoney.

Precious Metals: Investing in precious metals at Unifimoney allows you to hit a fully insured commodities market with100% physical metal backing and instant 24/7 liquidity.  Unifimoney offers fully allocated metals investing, meaning you actually own the asset and it can be stored securely for you (for a fee) or shipped to you. Account holders can invest in one of the lowest spread precious metals available on the market, the same good delivery bars traded on physical metals around the world from London’s LBMA to the Comex in NY to Shanghai.

Cryptocurrencies: Investing in cryptocurrencies is another way to jump into a hot market and make money without doing too much work. Unifimoney is set up such that you can allow the platform to handle your crypto investing, help you make a profit and pass any profits earned on to your checking account. Unifimoney offers over 30 cryptocurrencies including Bitcoin and Dogecoin.

Unifimoney Customer Service

When you want to reach out to Unifimoney, you can connect on Facebook, Twitter, LinkedIn and Instagram. You can also watch YouTube videos to learn more about how the platform works. If you’re the kind of person who wants to teach yourself, Unifimoney offers great educational options.

You can also email the platform for service. The customer service number is buried in the accessibility statement, but it’s nice to be able to call the company for assistance. 

Unifimoney Pricing and Fees

You earn — according to the Unifimoney FAQs — an interest rate close to the Fed effective rate. Because Unifimoney makes this its goal, you can be sure that your high-yield savings account will offer more than the savings account at a traditional bank. There are no guarantees, but you can get more information on the Fed effective rate on Unifimoney.

The credit card cash program (launching end of August) pays rewards in your choice of Bitcoin, gold or a contribution to your Robo portfolio. The reward program gives customers flexibility in how they choose to diversify. It’s a credit card that helps you save and invest as you spend. 

Unifimoney is a fee-free investment platform, but you do pay extra fees if you do not meet the minimum activity levels. Unifimoney wants accounts to be active, and you are rewarded if you turn its account into your primary banking partner.  Unifimoney has waived all fees until 2022.  Minimum activity includes either monthly deposits of $2,000 a month or total assets in the account of over $20,000; otherwise, your account fee is $10 a month.

Cash deposits through Unifimoney earn approximately 20 times more than a traditional bank, and they are insured through Federal Deposit Insurance Corporation (FDIC).

Unifimoney Mobile App

Because Unifimoney uses its mobile app as the homebase for all its operations, the app has to be perfect — and it is.

You can register for an account or sign into your account as soon as you download the app. The app takes you through a lengthy registration process that collects your personal and financial information. Fortunately, you’re ready to go as soon as you finish the sign-up process. 

Everything is easy to read. You can toggle between the different parts of your account, review your investments and check your bank balance. Unifimoney enables access from an app that lets you take your money and investments with you anywhere you go. 

Unifimoney User Benefits

The mobile app and website features a quality interface that is easy to read against a dark background. You can check your account, review your investments and make trades all in one place on the app.

Although you can access general information about Unifimoney on its website, you’ll sign into your account and manage your money on its app. You download the app to a mobile device iOS.

Banking and investments work together so that you can see how much money you are saving. On the one hand, you can save money with a high-yield checking account, and on the other hand, you can make money through wise investments.

Variety and diversification are a hallmark of the Unifimoney platform. In addition to stocks and ETFs, you can invest in precious metals and crypto, diversifying your portfolio in just a few trades. 

Unifimoney User Experience

Unifimoney makes it easy to open an account for any purpose. First, you enter your personal information and decide how to initially fund your account. After that, you can easily maneuver through the app, choose from many investment options, save in a high-yield checking account and take advantage of no and low commissions. 

At no point did this platform feel confusing or frustrating.

It’s easy to manage your money with Unifimoney because everything is in one place. The simplicity of it all makes it attractive, especially because you can access your money in the app at any time. 

Unifimoney is simpler than opening several different accounts all over the Internet. Of course, you don’t need to move all your money to the app, but that’s up to you. Prioritizing Unifimoney is to your advantage. 

Due to the design and layout of the app, it could easily serve as a secondary bank account and investment portfolio if you have the necessary cash to fund it properly. 

Unifimoney vs. Competitors

Unifimoney’s unique range of features and functionality including auto invest and auto funding make it an appealing money management and investment choice.

By mixing banking and investing, Unifimoney helps investors centralize their finances. Finding a home for all different types of accounts makes it much easier for you to invest wisely, maintain a sound budget and increase your net worth. You can fund your investment account any way you please and track balances any time of the day or night.

Moreover, it is easy to see how your investments are performing and determine the sum total of your assets. 

Interest-bearing checking accounts help you earn extra money throughout the year. Plus, online banking cuts out much of the bureaucracy that you can encounter with traditional banks.

Unifimoney Overall Rating

Unifimoney is a simplified and powerful investment/banking app that does everything you need. While it would be lovely for the platform to maintain a functional website where you can access your account or call for customer service, there’s no arguing that it is perfect in every other respect. Not only is it worth a try, the writer is considering opening an account as a way of saving money and casually investing a portion of that stash.

Unifimoney Video Tutorial

Frequently Asked Questions


What is the highest yielding safe investment?

A explains that “risk refers to the degree of uncertainty about the rate of return on an asset. In general, as investment risks rise, investors seek higher returns to compensate them for taking on such risks.” In seeking “safe” investments, you have a range of investment tools to choose from, including high-yield savings accounts, certificates of deposit, treasuries, inflation-protected securities, municipal bonds and corporate bonds. However, the interest rates for safe investments like these are low in 2021.


What is the best way to invest $5,000?


Split your $5,000 investment among several options. If you prefer a safe investment method, you can try bonds, treasuries or high-yield savings accounts. If you want to play the market, taking on more risk in the hopes of great reward, use diverse investments to protect yourself, investing in the stock market, cryptocurrency, forex, etc. 

User Reviews


Prakash Chavda

How do you use this product to boost your finances?

Completely bogus and poorly designed app

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