The super app

Pay smarter, save more, and earn big!

💰 Save on every purchase

🛍️ Earn cash back on every tap

💸 Securely send and receive money

🤖 Shop smarter with AI agents

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.

Fun social payments

Send money to friends and earn rewards - the first of its kind! It’s simple to reimburse roommates or divvy up expenses with friends

Fun social payments

Security you can trust

Safety and protection

We use best-in-class, bank grade security to safeguard your data. And our AI native payments OS continuously monitors your transactions to mitigate fraud.

Privacy controls

We provide easy-to-use privacy controls and transparency on how your data is used. In fact, at UKey, we never share nor sell your information to third party services.



Buy research papers, news articles, and other digital content without being compelled into long-term subscriptions

More bang for your buck

• Buy hourly passes to stream 📺

• Tip your favorite musician 🥳

• Donate to a cause 👍

• Consume content, ads-free 🍿

More bang for your buck

How do I get started?

Use your mobile number to get started and connect your bank account. That's it!

How does UKey Micro work?

You can use UKey to pay for digital assets and services at participating merchants. Pay your bill at the end of each statement cycle — just like paying your utility bill.

I have more questions

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

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Join a global community shopping smarter with UKey!


© UKey Inc. 2024


Made with 🖤 in Austin and Boston

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

All payments made using the UKey are performed by a financial institution partner, and any funds held in a UKey wallet are held by a financial institution partner.