Umoney – Your trusted digital financial partner. Always by your side.

Managing your finances has never been easier with Umoney. We provide a diverse range of flexible and secure channels to ensure you can cash-in (deposit) or cash-out (withdraw) your funds whenever and wherever you need.

1. In-Person Transactions (Physical Points)

For those who prefer face-to-face assistance or need to handle physical cash, Umoney offers an extensive network across the country:

• Unitel Service Centers: Visit any official Unitel service center located in every city and province nationwide for direct support.

• Umoney Agents & POS: Look for the Umoney sign at local shops and authorized agents. You can easily find the nearest location using the "Search nearby POS" feature integrated directly into the Umoney app.

2. Digital & Online Banking Channels

Umoney seamlessly connects with major banks in Laos, allowing you to top up your wallet instantly with competitive fees. You can perform online transfers through the following banking applications:

• BCEL One (Lao Foreign Trade Bank)

• LVB DigiBank (Lao-Vietnamese Joint Venture Bank)

• JDB Yes (Joint Development Bank)

• MJ Saduak (Maruhan Japan Bank Laos)

• MB Laos (Military Commercial Joint Venture Bank)

3. Bank Branch Network

In addition to digital transfers, customers can also perform transactions at the physical counters of our partner banks:

• Joint Development Bank (JDB)

• Agricultural Promotion Bank (APB) Our partnership with these reputable institutions ensures that your deposit and withdrawal needs are met even in remote areas.