Bank anywhere,
any time.

Manage your accounts, send money, pay bills, and apply for products — all from your browser or the UNCDF Mobile App. Secure, fast, and always available.

256-bit SSL encryption

2-factor authentication

24/7 availability

Zero transaction fees online

Sign in to UNCDF Online

Access your accounts securely from any device.

Secured with 256-bit SSL encryption

What you can do

Everything banking, in one place

From daily transactions to complex business operations — UNCDF Online puts full control in your hands.

Send & Receive Money

Transfer funds instantly to any UNCDF account, mobile money wallet, or bank in DRC and across 54 African countries.

Pay Bills

Settle utilities, school fees, taxes, insurance premiums, and over 200 billers — scheduled or on the spot.

View Statements

Download up to 5 years of account statements in PDF or CSV format, filtered by date, amount, or transaction type.

Standing Orders

Set up recurring payments — rent, savings, or loan repayments — with customisable schedules and auto-alerts.

Manage Cards

Freeze or unfreeze your Visa card, set spending limits, enable international use, and report lost or stolen cards instantly.

Apply for Products

Submit loan applications, open fixed deposit accounts, or request a new Visa card — all without visiting a branch.

Multi-User Business Access

Business accounts support multiple signatories with configurable approval workflows and role-based access controls.

Real-Time Notifications

Receive instant email and SMS alerts for every transaction, login, or account change — keeping you in control at all times.

Forex & Remittances

Check live exchange rates and send international remittances to 54 African countries directly from your dashboard.

Two ways to bank digitally

UNCDF Online & UNCDF Mobile

Whether you're at your desk or on the move, we have a digital banking channel built for you.

UNCDF Online

Our full-featured internet banking portal — ideal for everyday personal banking and powerful enough for complex business operations.

Accessible from any web browser
Full statement & reporting suite
Bulk payment & payroll upload
Multi-signatory approvals for business
Standing orders & scheduled payments

Available on Chrome · Firefox · Safari · Edge

UNCDF Mobile

Our award-winning mobile banking app — designed for fast, intuitive banking on the go. Available on Android and iOS.

Instant money transfers via USSD or app
Biometric login — fingerprint & face ID
Airtime, data & utility top-ups
QR code payments at merchants
Loan application & instant credit

App Store Google Play

Also available via USSD *247#

Your safety, our priority

Built with bank-grade security

Every session on UNCDF Online and the UNCDF Mobile App is protected by multiple layers of security technology — so you can bank with complete confidence.

Read our security policy

256-bit SSL Encryption

All data transmitted between your device and our servers is encrypted with the same standard used by global banks.

Two-Factor Authentication (2FA)

Every login and high-value transaction requires a one-time password (OTP) sent to your registered phone number.

Biometric Authentication

The UNCDF Mobile App supports fingerprint and face ID login — eliminating password risk on your device.

Real-Time Fraud Monitoring

Our 24/7 fraud detection engine flags unusual activity instantly and alerts you before any damage is done.

Session Timeout & Device Control

Sessions auto-expire after inactivity. You can remotely revoke access from trusted devices at any time.

Get started in minutes

How to activate online banking

Already an UNCDF Bank customer? You're just four steps away from full digital banking access.

Have an UNCDF account

You need an active UNCDF Bank DRC account. Don't have one? Open an account first.

Register online or at a branch

Click "Register" on the login card, or ask any teller at your nearest branch to activate online banking for you.

Verify your identity

Confirm your registered phone number with an OTP and set a strong password to secure your account.

Log in & start banking

Access UNCDF Online from any browser, or download the UNCDF Mobile App on Android or iOS and enjoy full digital banking.

FAQs

Common questions about online banking

Can't find the answer you need? Our support team is available 24/7.

Contact support

Yes. Registration for both UNCDF Online and the UNCDF Mobile App is completely free for all UNCDF Bank DRC account holders. Standard transaction charges may apply to specific payment types — check our tariff guide for details.

Click "Forgot password?" on the login screen and follow the self-service reset flow. You will receive a one-time password on your registered mobile number to verify your identity and create a new password. If you are unable to complete this process, call our 24/7 hotline on +243 800 232 700.

Default daily transfer limits are CDF 5,000,000 for personal accounts and CDF 50,000,000 for business accounts. You can request a limit increase by visiting a branch or calling your relationship manager. Business accounts with bulk payment requirements can apply for custom limits.

Yes. UNCDF Online and the UNCDF Mobile App are accessible from anywhere in the world with an internet connection. OTP delivery works as long as your registered SIM card is active and receiving messages internationally. Some features may be restricted due to regulatory requirements in certain countries.

Log in to UNCDF Online, navigate to "Transfers > Manage Beneficiaries" and click "Add New". Enter the recipient's account details, verify with your OTP, and they will be saved for future use. The same process applies in the UNCDF Mobile App under the Payments section.

Act immediately: log in and freeze your card under "Cards > Freeze Card", then call our 24/7 fraud hotline on +243 800 232 700. You can also email fraud@uncdfbank.cd. Our fraud team will place an account hold while the matter is investigated. Never share your OTP or password with anyone — UNCDF Bank will never ask for these.

Bank anywhere,any time.