Unibank

What Unibank does

Unibank (legal name UNIBANK S.A.) is a privately held Haitian commercial bank founded in 1993 and headquartered in Pétionville, near Port-au-Prince, operating as part of Groupe Financier National (GFN). The bank serves both retail individuals (Particuliers) and enterprises (Entreprises) across Haiti, with a stated focus on serving the country's 89% unbanked adult population and the Haitian diaspora abroad. Its core product set spans savings accounts (Compte d'Épargne), checking accounts (Compte Courant), hybrid savings-checking accounts, term deposits (Dépôts à Terme), Visa credit cards issued under the UniCarte sub-brand (Platinum, Gold Internationale, Express Internationale, Classic Internationale), and insurance products under UniAssurances.

The bank's distribution architecture is a multi-channel platform built to extend reach beyond traditional branches. Physical presence combines metropolitan and provincial branches with the UNIBANK Tout Kote authorized agent network and ATMs. Digital access is delivered through UNIBANKOnline (web banking for individuals), UNIBANKOnline Corporate (enterprise banking with seven tiers scaling from 70 to 1,000 free monthly transactions), and UniMobile (iOS/Android app with biometric authentication, QR code payments, and PayAnyone transfers). Complementary low-tech access is provided by USSD *555# for feature-phone users and UNIBANK TCHAT, a WhatsApp-based conversational banking service. The platform integrates with MonCash (Digicel, 2M+ users since 2010) and NatCash (Natcom) mobile wallets, enabling fund transfers between bank accounts and mobile money.

Unibank monetizes through traditional net interest income on deposits and lending, recurring subscription fees on UNIBANKOnline tiers (Bronze free, Silver USD 5, Gold USD 10, Platinum USD 20, with Corporate tiers up to USD 500/year), transaction fees on PayAnyone, SPIH interbank, international, and mobile wallet transfers, credit card annual and interchange fees, and agent network service fees. The bank differentiates on regulatory leadership (first Haitian bank to implement KYC practices following American and European standards, BRH license since August 2000, USA PATRIOT Act certification, Wolfsberg Group DDQ compliance) and on its mobile-money interoperability, positioning it as a bridge between formal banking and Haiti's dominant mobile money rails.

Name

Unibank

Legal name

UNIBANK S.A.

Website

https://unibankhaiti.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Unibank is a privately held Haitian commercial bank founded in 1993, serving retail and enterprise customers across Haiti and the diaspora through branches, an agent network, online and mobile banking, USSD, and WhatsApp, with integrated mobile money interoperability.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro industry

PRIMARYFSABAFAJ

Underbanked/Financial Inclusion Neobanks

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Digital/Challenger Banks (Neobanks)

SECONDARYFSAMAOAJ

Cash Access & Cardless ATM Withdrawal Services

Financial & Insurance/Payments & Transaction Processing/Cash Management, Cash-in/Cash-out & ATM Services

SECONDARYFSAKAAAG

Large Purchase & Lifestyle Personal Loans (Unsecured Installment)

Financial & Insurance/Lending & Consumer Finance/Personal Loans (Unsecured Installment)

Keywords

• Retail banking services
• Commercial banking
• Mobile banking
• Credit cards
• Insurance products

Headquarters

HQ city

Pétionville

HQ country

Haiti

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Deposit Taking and Lending: Traditional banking revenue from interest spreads on loans and deposits, including savings accounts, current accounts, and term deposits
2. Credit Cards (UniCarte): Revenue from credit card issuance including annual fees, transaction fees, and interest on revolving balances
3. Online Banking Subscriptions: Annual subscription fees from UNIBANKOnline tiers (Bronze, Silver, Gold, Platinum) and UNIBANKOnline Corporate plans
4. Transaction Fees: Fees from transfers including PayAnyone, inter-account transfers, SPIH local transfers, international transfers, and mobile wallet transfers (MonCash, NatCash)
5. Agent Network Services: Services provided through UNIBANK Tout Kote agent network including cash deposits, withdrawals, and basic banking transactions

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels4 records

Core offering

UNIBANK is a Haitian commercial bank providing deposit accounts (savings, checking, savings-checking, and term deposits), credit cards (UniCarte Visa variants), personal and business loans, and insurance products (UniAssurances) to individuals and enterprises. The bank delivers these services through a multi-channel platform including physical branches, an agent network (UNIBANK Tout Kote), online banking (UNIBANKOnline), a mobile application (UniMobile), USSD service, and WhatsApp-based banking (UNIBANK TCHAT).

Product overview

Unibank operates as a diversified financial services institution offering a multi-channel banking platform. The core banking infrastructure comprises deposit products (savings, checking, savings-checking hybrid, and term deposits) alongside credit card services under the UniCarte sub-brand. Digital banking access is delivered through UNIBANKOnline (web-based platform for individuals), UNIBANKOnline Corporate (enterprise banking), and UniMobile (iOS/Android mobile app). Alternative access channels include UNIBANK Tout Kote (debit card with agent banking network and USSD *555# service) and UNIBANK TCHAT (WhatsApp-based conversational banking). The bank also offers insurance products through UniAssurances and integrates with external mobile money services MonCash and NatCash for fund transfers.

Differentiator

Problem solved

Functional benefit

Brands

• UniCarte: Credit card brand offering Visa Platinum, Visa Gold Internationale, Express Visa Internationale, and Visa Classic Internationale cards.
• UniMobile
• UNIBANKOnline
• UNIBANK Tout Kote
• UNIBANK TCHAT
• UniAssurances

Products and services

• UNIBANKOnline

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• Digicel (MonCash)coreTechnology or Integration · 1 January 2010MonCash is Haiti-based mobile money service operated by Digicel. UNIBANK enables transfers between bank accounts and MonCash mobile wallets. MonCash serves over 2 million users since 2010, addressing Haiti's high unbanked population. Partnership enables financial inclusion for customers who may not have traditional bank accounts.
• Natcom (NatCash)coreTechnology or IntegrationNatCash is mobile wallet service provided by Natcom ( Haiti's telecom operator). UNIBANK enables fund transfers between bank accounts and NatCash wallets, allowing customers to move money between traditional banking and mobile money.
• Banque de la République d'Haïti (BRH)coreOthersCentral bank of Haiti that authorizes and regulates UNIBANK's banking operations. UNIBANK complies with legislation enforced by BRH since August 2000. Bank holds valid banking license from BRH.

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Emerging players

• Natcom (NatCash): Natcom operates NatCash, a mobile money service in Haiti. NatCash is both an integration partner for UNIBANK and a competing channel serving the same underbanked Haitian customer base.
• Digicel (MonCash): Digicel operates MonCash, Haiti's leading mobile money platform with 2M+ users. It is both a key integration partner for UNIBANK and a competing ecosystem for serving Haiti's unbanked population via mobile wallets.

Direct peers

• Sogebank: Sogebank is one of Haiti's largest commercial banks, offering retail, corporate, and digital banking services across the country. It directly competes with UNIBANK in branches, deposits, lending, and digital channels within the same Haitian market.
• Banque Industrielle et Commerciale (BIC Haïti): BIC is a Haitian commercial bank offering deposit, lending, and card services. It is a direct competitor to UNIBANK in the same domestic market with overlapping retail and commercial banking products.
• Micro Crédit National: Micro Crédit National is a sibling entity under parent Groupe Financier National operating in microfinance across Haiti. It overlaps with UNIBANK on financial inclusion and small-ticket lending, and represents an intra-group peer and potential cross-sell channel.
• Promobank (Banque Promobank): Promobank is a Haitian commercial bank providing retail and corporate banking. It competes with UNIBANK for the same deposit, lending, and digital banking customers in Haiti.
• Banque Nationale de Crédit (BNC): BNC is a major Haitian commercial bank with a national branch network and corporate banking focus. It competes head-to-head with UNIBANK for retail deposits, corporate accounts, and digital banking customers in Haiti.

Broad incumbents

• Scotiabank Haiti: Scotiabank operates a retail and commercial banking franchise in Haiti as part of a global bank. It competes with UNIBANK on corporate banking, credit cards, and international transfers while offering broader global capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ubhaiti
• Facebookfacebook.com/ubhaiti
• LinkedInlinkedin.com/company/unibankhaiti

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Unibank