The super app

Pay smarter, save more, and earn big!

πŸ’° Save on every purchase

πŸ›οΈ Earn cash back on every tap

πŸ’Έ Securely send and receive money

πŸ€– Shop smarter with AI agents1

UKey is a money super app
Lightning fast, in-store, contactless payments

Save on every purchase

Earn instant discounts! Maximize savings when you pay by bank with UKey, in stores and online.

Earn cash back on every tap

Earn 1, 2, 3, 4, 5% and more after you pay with UKey. We continuously find the best offers for you. Terms and conditions apply.


cash back

Earn cash back at online stores

Fun social payments

Send money to friends and earn rewards - the first of its kind!

Fun social payments
Avoid subscriptions with UKey


🍿 Consume without subscriptions

πŸ“Ί Buy hourly passes to stream

πŸ₯³ Tip your favorite musician

πŸ‘ Donate to a cause

How to pay

1. Sign up for a free account

We go by the book and ask for enough info for an authentic you-check.

2. Link your bank

Securely connect your bank account. We use Plaid to connect to 10,000 banks.

3. Pay in stores and online

UKey will transfer the payment amount from your bank to your destination.

Pay by bank with UKey

Secure and private

We use best-in-class, bank grade encryption and security to safeguard your data.


What is UKey?

UKey lets you make purchases directly from your bank account (pay by bank), without needing a credit or debit card. It is the most secure and seamless way to pay and earn rewards.

Do I need to download an app to use UKey?

You can use UKey by simply creating an account online. While it is not required to use our mobile app, it is highly encouraged. The app offers more features and enables an even more seamless payment experience.

I have more questions

Please email us at We’re excited to hear from you!

1 Releasing in fall, 2024. Sign up for early access.

Join a global community shopping smarter with UKey!


Β© UKey Inc. 2024


Made with πŸ–€ in Austin and Boston

UKey Inc. is a financial technology company, not a bank.