Umoney Dynamic App: Your Smart Financial Companion

Discover a whole new way to manage your finances with Umoney. Designed to adapt to your lifestyle, our upgraded platform offers a highly personalized and intuitive user experience. It is more than just a digital wallet; it is a comprehensive financial ecosystem that brings all your essential services into one smart dashboard. Enjoy lightning-fast money transfers, instant utility bill payments, mobile top-ups, and exclusive lifestyle offers tailored specifically for you. With real-time updates, advanced biometric security, and a seamless connection to LAPNet and major banks across Laos, the Umoney Dynamic App ensures that your everyday transactions are faster, safer, and more convenient than ever before. Experience the ultimate freedom of digital payments right at your fingertips.

Umoney Payment Gateway: Empowering Your Business

Transform the way your business accepts payments with the Umoney Payment Gateway. Our secure, all-in-one payment solution allows merchants to effortlessly receive money from millions of Umoney users and connected banking networks across Laos. Whether you are running an e-commerce platform, a retail store, or a mobile application, our robust API integration ensures smooth and instant checkouts. Boost your sales by offering flexible payment options, including fast QR code scanning, direct wallet transfers, and linked bank accounts via LAPNet. With top-tier encryption, real-time transaction tracking, and a dedicated merchant management system, the Umoney Payment Gateway is your trusted partner in driving business growth in the digital economy.

2,000,000+

Trusted Users

18

Provinces & the Capital

40,000+

Agents Nationwide

100%

Connected with LAPNet Banks

Registration

Umoney registration information is a simple, convenient, fast registration service and is also a free finance service for Lao mobile phones that brings many benefits to customers.

Money Transfer

Umoney offers versatile money transfer solutions tailored to your every need. You can perform instant wallet-to-wallet transfers using just a phone number, or send cash directly to non-Umoney users for easy pickup at any authorized agent. Furthermore, Umoney enables seamless fund transfers to six major partner banks, including BCEL (BCELOne), Lao-Viet Bank (LVBDigiBank), JDB (JDB Yes), Maruhan Japan Bank (MJSaduak), MB Laos, and BIC Bank, ensuring your financial connectivity is always fast, secure, and convenient

Payment of Service Fees

You can use Umoney to pay for many services: top up your local and international calls, pay for FTTH home internet, buy data. Pay for credit, buy insurance, pay for water (Vientiane Capital), pay for Lao Star TV, pay for garbage (Luang Prabang, Borikhamxay, Champasak) and buy Sokxay Plus, Chinese Lottery and ITECC Lottery tickets by Umoney account.

Convenience of Depositing and Withdrawing Money

Transfer money conveniently, quickly and safely: Transfer money through Umoney service. Transfer money between banks includes 6 banks: (BCELOne), Bank (LVBDigiBank), Joint Development Bank (JDB Yes) and Maruhan Lao Bank (MJSaduak), Laos. Joint Military Commercial Bank (MB Laos), BIC Bank, Agricultural Promotion Bank. You can do it yourself 24 hours a day or make transactions at the service units of Joint Development Bank (JDB), Agricultural Promotion Bank (APB) and Indochina Bank, all service units nationwide… Pay via QR code Payment with QR code is very popular in our country.

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