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Personal banking

Bank in USD with clarity, confidence, and control.

Unity Capital personal banking is designed for people who want secure accounts, instant digital access, practical savings tools, and human support when money decisions matter.

Open Personal AccountExplore Cards
AccountsFeaturesRatesHow it worksFAQ

Accounts

Choose the account that matches your life.

Every account includes mobile banking, account alerts, secure login, and USD transaction history.

Unity Everyday Account

A flexible USD spending account for salary, bills, transfers, shopping, and subscriptions.

  • No minimum opening deposit
  • Instant internal transfers
  • Debit card and virtual card access

Unity USD Savings

Build your emergency fund, travel fund, education plan, or long-term reserve with automated savings rules.

  • Goal vaults
  • Monthly interest
  • No hidden maintenance fee

Unity Family Account

Organize family spending, school fees, household bills, and shared goals with controlled access.

  • Shared visibility
  • Spending alerts
  • Dedicated support line

Digital control

Your money, visible in real time.

Track spending, freeze cards, create budgets, send transfers, receive alerts, and manage beneficiaries from the Unity Capital app.

Instant transaction alertsCard freeze and replacementBudget categoriesBiometric app login
Personal dashboardUSD
Total available$12,840.60
Salary received+$2,400
School fee transfer-$800
Savings goal funded+$250

Rates and fees

Simple pricing, clearly shown.

USD Savings

Up to 4.20%

Annual percentage yield for qualifying balances.

Everyday Account

$0

Monthly maintenance fee for digital statements.

Internal Transfers

Instant

Unity-to-Unity USD transfers settle immediately.

How it works

Open an account in four steps.

1

Apply online

Choose your account and submit your contact details.

2

Verify identity

Complete secure identity checks and document upload.

3

Fund account

Add USD using approved channels and transfer options.

4

Start banking

Activate the app, cards, alerts, and savings tools.

Can I bank fully online?

Yes. Account opening, transfers, support, card controls, and statements are available digitally.

Is USD the main currency?

Yes. Unity Capital prioritizes USD products across accounts, cards, loans, and investments.

Is there support in Accra?

Yes. You can receive help online, by phone, WhatsApp, or at Unity Capital service centers.