U-money Service

Your mobile phone is more than just a means of communication; it can be the key to solve your financial security. u-money is a mobile money service brought to you by Unitel and allows subscriber with a mobile phone to send and receive money quickly, safely, affordably and conveniently 24/7. It provides merchants and members alike the ease, convenience, and control of managing payments and transferring funds across multiple channels in real-time anytime, anywhere. With a strong emphasis for simplicity and flexibility, u-money is focused on delivering robust and long term solutions for the security-challenged micro financial activity.

Top reasons to use u-money

  • Send and receive through Unitel large network of Agent across Laos
  • Largest mobile operator with more than 2,500,000 Subscribers nationwide. Trust brand
  • It is safe, quick and easy to use
  • Pay or topup anytime anywhere via u-money
  • Pay bills for the services of Unitel or others using u-money
  • Do not need internet to function
  • Do not need smartphone to access service. Any phone can get the job done
  • Minimize risk cash handling
  • Save time
  • 24/7 customer service. Simply call 999 or 03095268268 anytime.

Who can use u-money?

Anyone with legal identification card, an Unitel number & more than 16 years old

How to register the service:

Getting started with u-money is very easy:

  1. Visit any authorized u-money agent or u-money showroom to get registered
  2. Give him/her your identification card for registration
  3. You will receive an SMS confirming your registration
  4. Now you can use the u-money service

How We Keep Your Information Secure

  • To ensure your Personal Information remains confidential, the Service maintains physical, electronic, and procedural safeguards to help prevent unauthorized access to your Personal Information. We update and test our technology frequently to improve these protections and to ensure the integrity of your Personal Information.
  • The Service has policies and procedures that limit employee access to your Personal Information to those with a business reason to have such information. We educate our employees about the importance of confidentiality and customer privacy, and we take appropriate disciplinary measures to enforce our privacy practices.

 

1. STL treats Customer personal information as confidential. STL does not sell or rent Customer Personal Information. STL does not use or share Customer Personal Information to third parties without Customer prior consent. STL may use and disclose Customer Personal Information for the following purposes, including limited disclosures to STL affiliates, to non‐affiliated third party service providers performing services on STL behalf, and to certain other nonaffiliated entities as described below:

1.1. To verify Customer identity and perform fraud screening, to verify the information contained in Customer u-money accounts.

1.2. To comply with laws and regulations, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend the Service from claims, and to protect the Service’s rights and property, and as permitted by applicable law.

1.3. As otherwise authorized by the Customer.

Compliance with Laws

We comply with applicable laws and regulations pertaining to information about you.

 Transfer from u-money account to u-money account
  1. Dial *999#
  2. Press 1 to send money
  3. Press 1 to u-money
  4. Enter receiver phone number
  5. Enter amount to transfer
  6. Enter Note (Transaction content)
  7. Enter PIN to confirm
  8. Enter 1 to confirm

Transfer from u-money account to non u-money account

  1. Dial *999#
  2. Press 1 to send money
  3. Press 2 to phone number / non-u-money
  4. Enter receiver phone number
  5. Enter amount to transfer
  6. Enter Note (Transaction content)
  7. Enter PIN to confirm
  8. Enter 1 to confirm

Transfer from non u-money account to non u-money account

Customer goes to see u-money Agent to do the transaction

Cash out

  1. Dial *999#
  2. Press 2 to cash-out
  3. Enter ID of Agent from which Agent ID you want to cash out
  4. Enter amount to cash out
  5. Enter Note (Transaction content)
  6. Enter PIN to confirm
  7. Enter 1 to confirm
 

Unitel service

  1. Dial *999#
  2. Press 3 to Unitel services
  3. Press 1 Mobile: if you want to top-up/pay bill for mobile account
  4. Press 2 if you want to pay PSTN bill
  5. Press 3 if you want to pay ADSL bill
  6. Press 4 if you want to pay FTTH bill
  7. Press 5 if you want to pay Leaselines bill
 Unilities
  1. Dial *999#
  2. Press 4 to Utilities
  3. Press 1 to show balance
  4. Press 2 to check Statement
  5. Press 3 to Change PIN
  6. Press 4 Find Agent
  7. Press 5 Hotline
  8. Press 6 to change Language

A. Transaction fee

# Transaction Range Value EU Cash-In (Agent do transaction)
Send Money (W-W) Send Money (W-nW) Send Money (nW-nW)
(Agent do transaction)
EU Cash-Out
(at Agent)
EU Cash-Out via Code
(at Agent)
from to
1 3,000 100,000 0 1,200 1,800 2,000 720 0
2 100,001 500,000 0 6,000 9,000 10,000 3,600 0
3 500,001 1,000,000 0 10,000 15,000 17,000 6,000 0
4 1,000,001 2,000,000 0 16,000 24,000 28,000 9,600 0
5 2,000,001 5,000,000 0 37,500 56,250 65,000 22,500 0
6 5,000,001 10,000,000 0 60,000 90,000 105,000 36,000 0

B. Service promotion discount 10% until 31/03/2018

# Transaction Range Value EU Cash-In (Agent do transaction)
Send Money (W-W) Send Money (W-nW) Send Money (nW-nW)
(Agent do transaction)
EU Cash-Out
(at Agent)
EU Cash-Out via Code
(at Agent)
from to
1 3,000 100,000 0 1,080 1,620 1,900 648 0
2 100,001 500,000 0 5,400 8,100 9,000 3,240 0
3 500,001 1,000,000 0 9,000 13,500 16,000 5,400 0
4 1,000,001 2,000,000 0 14,400 21,600 25,000 8,640 0
5 2,000,001 5,000,000 0 33,750 50,625 59,000 20,250 0
6 5,000,001 10,000,000 0 54,000 81,000 94,000 32,400 0

1. Customer can make payment for unitel service by u-money and get more special discount until 31/03/2018

No Detail Discount Condition
1 Pay bill for Post paid 5%
2 Refill for Prepaid (020, 030) 5%
3 Pay bill for PSTN service 5%
4 Pay bill for ADSL service 5%
5 Pay bill for FTTH service 5%
6 Pay bill for lease line service 5%

2.Other service no service charge until 31/03/2018

No Detail
1 Show Balance
2 Mini Statement
3 Change PIN
4 Find Agent
5 Hotline
6 Change language

Infomation for Agent (u-money)

To become an authorized u-money agent you should have a stable business located on a major road or in a busy area, like a market, or near factories, universities and business areas. Your business does not have to be large. It could be a gold, money exchange or phone shops

How to become Agent of u-money

It is very easy to become our u-money agent by following below steps:

Visit any Unitel shop or contact Unitel Master Agent in the area with the following information:
  1. Business License
  2. TIN numbers
  3. Copy of your identification
  4. Fill in Agent registration form
  5. Fill in Agent contract

Advantage of u-money Agent:

  1. Commission for each transaction that you make
  2. Send money anywhere in Laos
  3. Promote your business by adding customers
  4. Free marketing material ( Base on company policy )
  5. Free business consulting and training
  6. Chance to get Bonus (According to the policy & promotion)

FAQ u-money

  • u-money is a mobile money service brought to you by Unitel and allows subscriber with a mobile phone to send and receive money quickly, safely, affordably and conveniently 24/7.
  • No. Anyone with a mobile device and an active Unitel Simcard can use this service by registering an u-money account. You do not need to have a bank account.
  • Unfortunately, no. Our u-money service is not designed to support your bank account.
  • Withdrawing money (cash out);
  • Depositing money (cash in);
  •  Transferring money;
  •  Paying bills;
  •  Top up;
  •  Making account inquiries.
  •  u-money is cheaper than traditional bank transfer services;
  • The risk of theft and physical aggression linked to carrying cash is reduced;
  •  You save time and transportation costs to make transactions;
  •  You can transfer small amounts;
  •  If sending money you will receive confirmation that the recipient has received what you sent;
  •  You have greater access to functions and services, such as transferring money to people who do not have Unitel u-money accounts.
  •  Airtime purchase (top up);
  •  Keep your money safe at all times (24/7);
  •  Withdraw money according to your needs;
  •  Tracking transactions from your mobile phone;
  •  Transfer money to people who do not have u-money accounts
  • No. You can use any Unitel SIM card to access the service.
  • No. Any phone can access to service, even the dumb phone.
  • Yes. Customers can transfer money to people who do not use our u-money service. They can withdraw money that has been transferred to them from any authorized u-money agent. All they need is the private code sent from the u-money user.
  • No. Once your u-money account is active, you can perform transactions at any authorized u-money agent (cash deposits or withdrawals). You can also make transactions 24/7 on your mobile device, including cash transfers, top ups and bill payment.
  • Unitel subscribers can dial *999# then press 5. Utilities then press 4. Find agent. You can also call the hotline 24 hours, seven days a week by dialing 999 (if you are a Unitel subscriber) or 0309 268 268. Dialing the number is free for Unitel subscribers.
  • The fees can be found at Tariff section or you can call the hotline center 24/7 by dialing 999 (if you are a Unitel subscriber) or 0309 268 268. Dialing the number is free for Unitel subscribers.
  • Simply report any problems by calling the hotline center or report to nearest Agents/Unitel showroom. It can be reached around the clock seven days a week. Dial 999 or call 0309 268 268. Dialing the number is free for Unitel subscribers.
  • First, check to see whether you have exceeded the amount in your account or inserted the wrong information during the transaction. If you had enough money in your account and you entered the correct information then call our hotline. It operates 24 hours a day, 07 days a week. Dial 999 or call 0309 268 268. Dialing the number is free for Unitel subscribers
  • First, check your balance by dialing *999# and choosing option 5 then choose option 1. If you notice any abnormality, call the hotline center by dialing 999 or 0309 268 268. Dialing the number is free for Unitel subscribers.​
  • First, check your balance by dialing *999# and choosing option 5 then choose option 1. Next, check that the money was transferred to the correct number. If the transaction was done properly then call the hotline center by dialing 999 or 0309 268 268. Dialing the number is free for Unitel subscribers.​
  • If you lose your SIM card, please call the hotline (999 or 0309 268 268) for immediate support. Ask for your account to be locked. After doing this you can get a new SIM card at a Unitel showroom. Your PIN code and balance will remain unchanged. Your u-money account is protected at all times by your PIN code to prevent fraud. Please be careful not to share your PIN code. Keep it confidential. It your sole responsibility to keep your PIN code confidential.
  • Yes. Your u-money account is managed by a platform hosted in the secured network of Unitel. It is accessible from your mobile only. Transactions can only be done after they are validated with your u-money secret code. Moreover, systemic controls and checks are performed regularly by the Bank of Laos.
  • Our u-money service has the same technical constraints as any other Unitele services. However, we have a Business Continuity Plan in effect to minimize service interruption should this occur.