uniBank Ghana Limited has officially unveiled a new product christened ‘uni-Mobile Savings Accounts’ to allow customers make payments and undertake other financial transactions through their mobile phones.
uni-Mobile is a mobile-commerce service designed in partnership with Airtel Mobile Money and Star Micro Insurance Services Limited to deepen the Bank of Ghana’s (BoG) strategy of making the country a cashless economy.
The product allows the depositing of cash into uniBank savings or current accounts, transfer of money to and from the uni-Mobile saving account -- known as the e-wallet -- and cash withdrawals.
Users can also pay bills, top-up their mobile credits and make payment through merchants who will be drafted onto the platform soon.
Currently, the service can be used by subscribers of the Airtel mobile network.
There is no charge for opening the account, and the product is expected to bring banking services to the doorsteps of both the banked and the unbanked -- where monies deposited on the handset can be accessed anytime and anywhere.
Mr. Owusu-Ansah Awere, Executive Director of uniBank, explained that the product is in line with the bank’s vision of offering comprehensive financial solutions to its customers.
“With our tag line ‘Caring for Customers’, we always believe in going the extra mile to ensure that our clients are given the desired service through innovative banking,” he said.
To subscribe to the product, potential customers have to undertake three simple steps, including activating an account on their registered Airtel SIM and sending the word ‘uniBank’ via SMS to the short code 3131, after which they will receive a confirmatory message.
Dedicated uniBank executives will follow up with a call to complete the process.
Apart from convenience, uni-Mobile provides customers the chance to gain a free life-insurance policy for themselves and their next of kin, earning monthly interest on deposits above GH¢100.
Account holders will also enjoy free renewal of their National Health Insurance policy.
Kola Sonola, a representative of Airtel which has over 1,500 outlets across the country, welcomed the partnership with uniBank to provide banking services to the unbanked.
“People can enjoy banking and engage in other activities through their mobile phones without necessarily travelling to the bank,” he said.
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