Stepping into the digital world, we have brought Unique SACCOS Banking, a fully digital and secure mobile banking application for our valued members on Android and iOS platforms. The application allows users to securely operate their accounts from “anywhere, anytime”.
Stand-out features:
Account Information: Balance Enquiry, Mini Statement
Internal Fund Transfer: Between accounts maintained at the cooperative
Co-operative to Bank Transfer (*Charges Apply)
Bank to Cooperative Transfer (User must have an active mobile banking or internet banking service subscription of the respective bank).
We are also providing the following Services to members:
Fonepay QR Payment – Nepal’s Preferred Mode of Digital Payment:
With the rise in technology, many people are using digital payment as a form of payment. Due to its convenience and security features, digital payments have now become the preferred mode of payment by consumers globally.
What is Fonepay QR Payment?
Fonepay QR Payment is a digital payment method that allows users to make payments by scanning a QR code through their mobile device. With Fonepay QR Payment in Nepal, users can make payments instantly and securely without the need for cash or physical cards. It is a simple and secure form of digital payment which works by allowing users to scan a QR code with their mobile device and then make a payment using their mobile banking apps or e-wallets. Moreover, it eliminates the need for physical cash or credit cards and makes payments instant, convenient, and secure.
Benefits of Using Fonepay QR Payment
There are several benefits of using Fonepay QR payment. One of the major benefits of using Fonepay as a digital payment in Nepal is its convenience. Users no longer have to carry cash or credit cards with them. All they need is their mobile device, where payments can be made instantly and easily. Additionally, it also eliminates the need for users to visit an ATM or carry a bulky wallet. Security is another top benefit and each QR payment system is designed with security. All transactions are encrypted and secured. Moreover, users can set up a PIN or fingerprint authentication to make payments. As mentioned earlier, Fonepay QR Payment has a wide range of merchants across Nepal. Thus, users can easily make payments for goods and services simply by scanning a QR code, making it a convenient payment option.

The SCT-UPI Debit Card is a smart and secure payment solution jointly powered by Smart Choice Technologies (SCT) and UnionPay International (UPI). This card is designed to provide seamless access to banking services, both domestically and internationally, offering cardholders a fast, reliable, and secure way to access their funds. A debit card is an electronic chip-based card for direct access of your account for financial transaction up to the amount available in account. Unique SACCOS is offering DEBIT CARD to it's members with a strong commitment of delivering quality service. Members can withdraw cash from more than 1200 ATMs in SCT network to fulfill your daily cash requirement
Features of SCT Debit Card:
1. Easy cash withdrawal from more than 1200 of the SCT network ATMs around Nepal.
2. A safe and convenient mode of carrying cash.