Frequently asked questions

Who is Unitus Bank, and is it a licensed bank?

Unitus Bank is a financial technology company providing digital personal and business accounts for Australia. Unitus Bank is not itself an Authorised Deposit-taking Institution (ADI). Our regulatory position, and the licensed partner institution that supports our banking services, are set out on our Security & Regulation page.

Can I open a personal account or a business account?

Both. Choose Personal or Business in the first step of sign-up. Personal accounts skip the business-details step.

What do I need to open an account?

You will need your full name, date of birth, residential address, email address, mobile number, employment details, and photos of your government-issued ID and a selfie. Business accounts also need the business name and ABN or equivalent registration number.

How are my identity documents handled?

Identity documents are reviewed by our staff to verify your identity and are deleted once verification is complete. They are used for no other purpose.

How do I access my account, and is there an app?

Use Unitus Bank through your web browser on a desktop computer, tablet or smartphone. We recommend the latest version of Chrome, Safari, Firefox or Edge. Dedicated iOS and Android apps are not currently available.

How do I add money to my account?

Submit a deposit request with the amount and your payment reference. Our team confirms the funds and approves the request, and your balance is updated once it is approved. You can follow the status of every request on your dashboard.

Why is my transfer "under review"?

Transfers of US$10,000 or more, and all international transfers, receive a one-time manual check as part of our Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) controls. Our team clears the transfer once the review is done, and the reason for the review is shown on your transfer.

How are balances shown?

Balances are held and displayed in US dollars, with an indicative Australian dollar equivalent shown beneath. The Australian dollar figure uses a fixed rate for display and is not a live market rate.

What is the difference between Gold and Diamond cards?

Unitus Gold requires a minimum funding amount of US$500, and Unitus Diamond requires US$5,000. When a card request is approved, the funding amount moves from your main balance onto the card. You can freeze and unfreeze a card at any time.

How do I keep my account secure?

Turn on two-factor authentication from the Security link in your dashboard, use a strong, unique password, and never share your password or authentication codes. You can review your recent logins, including device, time and approximate location, at any time. Unitus Bank will never ask for your password or a full card security code by email, phone or message.

What should I do if I notice unauthorised activity?

Contact us straight away through the Support page or the chat bubble in the bottom-right corner of any page, and change your password.

How do I make a complaint?

Send us your complaint through the Support page and our team will respond. Information about external dispute resolution is published on our Security & Regulation page.

Where can I get help with something not covered here?

Use the Support form, or the chat bubble in the bottom-right corner of any page.