What we do

UNITE is a new bank-to-bank correspondent hub for real-time payments and settlement – a solution available for banks worldwide


We provide the banking network, messaging, settlement and cash management solution to meet any bank’s requirements. We know and talk end-to-end bank language, and we want to help your products and services teams achieve their needs through our platform. It is our priority to reduce participating banks risk and to meet and exceed the highest levels of compliance required.

The UNITE network is a centralised, correspondent hub for payments and settlement, established in conjunction with a selected group of major international banks – our ‘Network Banks’ – to give a global, real-time reach. Any other bank can enjoy direct access to the UNITE hub to take advantage of the Network Banks’ global reach.

Reduce complexity

The UNITE system reduces the complexity of the payment infrastructure between banks by simplifying correspondent relationships. With UNITE, you only need one relationship, and you get far more from it. Our streamlined, centralised payments process means that UNITE connected banks enjoy real-time delivery.

Payment and Settlement are not the same thing, but they are with UNITE: Settlement between UNITE connected banks takes place in the same instant as the real-time payment message. Centralised processes and reduced complexity keep the cost of UNITE payments low. Your bank can offer a superior product to customers and increase your margins at the same time.

Copy of a contract required to meet compliance? No problem. The UNITE system allows unlimited compliance information to follow payments, saving valuable time in clearing complex payments. The UNITE centralised hub gives connected banks a significant real-time cash management advantage (transfer, settlement, and reconciliation). Real-time payments, cash management and settlement with finality significantly reduces financial risk and capital adequacy implications.

Easier connection

Forget massive or prohibitive messaging connection costs. UNITE direct connection intentionally comes at a surprisingly low price, to democratise cross-border payments.

Unlimited information

Forget restricted character fields. The UNITE system allows unlimited information in any format to follow payments to the beneficiaries. Any payment related information is available to the beneficiary bank in the same instant as the payment.

Do you want to work at UNITE Gobal?

At UNITE, our truly talented and dedicated team is working to transform the global payments landscape. We offer an exciting, professionally challenging, international, diverse, and dynamic working environment. We work hard, but we also have fun in the process!

If you want to take part in our journey and join our team, we encourage you to check this site regularly as new vacancies are frequently posted.


The UNITE system will be available to banks worldwide. For maximum reach the system is connected to local country payment networks through our Network Banks’ connections, as well as through SEPA/SWIFT channels. The UNITE system is built around an established, proven core banking system, providing the perfect solution to the challenges of legacy messaging systems. The good news is that UNITE connection is complementary with no reputational risk; you do not not have to abandon your legacy correspondent relationships and messaging systems.

The new normal is real-time: These are not just our words: it is a banking industry hot topic. Customers used to in-country instant payment systems and alternative Fintech systems now question why cross-border banking payments are so expensive and slow. With UNITE, there is no reason for your bank to get left behind with outdated, legacy systems. UNITE can get you ahead of the pack, instantly, at a low cost and risk, with a vastly improved and more profitable cross-border service.