U-Money is Unitel's Lao mobile-money service, combining a mobile wallet with transfers, bills and service payments. Customers can add funds through supported banks or Umoney and Unitel agents, giving the wallet a cash access network alongside app-based payments and money management.
Estimated Monthly Usage, Aurato Research, November 2026
Capabilities
Funding can come from bank accounts, stored balances and cash; payment approval can use biometrics. The method also supports payouts to customers. Online merchant payments are supported; payments can use LAK as a funding currency.




