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Laos · Banking & PaymentsU-Money
A mobile money service from Unitel, one of Laos's major telecom operators, used for transfers, bill payments, and mobile top-ups.
What it helps with
- Topping up a phoneUnitel and others.
- Sending money by numberPhone to phone.
- Paying billsIn the app.
About U-Money
U-Money is a mobile financial service operated by Unitel, letting users with a Unitel SIM card send money, pay bills, and top up mobile credit without necessarily needing a traditional bank account, useful for those without easy access to bank branches.
Key Features
- Mobile Money Transfers: Send money to other U-Money users using just a phone number.
- Bill Payments: Pay utility and other recurring bills directly through the service.
- Mobile Top-Up: Add credit to Unitel and other mobile accounts.
- No Bank Account Required: Accessible to Unitel subscribers without needing a separate bank account.
How to Get Started
- Ensure you have an active Unitel SIM card.
- Register for U-Money at a Unitel store or through the app, providing ID as required.
- Load funds onto your U-Money account through an agent or partner location.
- Use U-Money for transfers, bill payments, and mobile top-ups.
Before you use it
- Sign-up: U-Money needs a Lao mobile number and identity verification; foreigners register with a passport.
- Payment: Prices in Laos are quoted in kip, and sometimes in Thai baht or US dollars; small shops and drivers want cash kip.
Local number needed
Local ID needed
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Frequently Asked Questions
- Does U-Money work with a foreign bank card in Laos?
- Not reliably - a foreign card may be declined. Check the notice above, or plan to use a local payment method.
- Is U-Money available in English?
- Not officially - the interface is mainly in the local language.
- Do I need a local phone number to use U-Money?
- Yes, U-Money requires a local phone number to register.
- Do I need local ID or residency for U-Money?
- Yes, U-Money requires local ID or residency status.
- Where can I use U-Money?
- iOS · Android
- How much does U-Money cost?
- Free wallet; small fees on some transfers