Bank history

Who are we and what are we doing?

We entered the money transfer market in 2001 and quickly gained a reputation as a reliable payment system. The recipe for our success turned out to be simple: we analyzed the market and realized that for most people remittances at that time were inaccessible due to too high tariffs offered by the main market players. Therefore, for the first time in Russia and in the CIS countries, we offered a minimum commission of 1% of the transfer amount so that our clients can be sure that they can always send money to friends and family without paying an unreasonably high transfer fee.

In the first five years, we have come a long way in our development, turning from a small company into one of the largest players on the market with a turnover of billions of US dollars. In 2006, we transformed our business and became a bank UNISTREAM (OJSC CB UNISTREAM) to offer our customers new services, and investors the opportunity to invest in one of the most modern companies in the market of remittances in Russia and CIS countries.

How did we develop?


British company AuroraRussiaLtd acquired a 26% stake in UNISTREAM Bank and became a strategic investor in companies, having invested US $ 20 million in business development.


We have become the leader in the money transfer market in Russia and the CIS countries. The turnover of the UNISTREAM bank reached 100 billion rubles.


We were the first to launch money transfers on the QIWI terminal network and using mobile phones to make our services even more convenient and accessible to our customers.


The number of holders of client cards UNISTREAM has reached 1 million people. Started work own terminal network UNISTREAM.


We have made available for our customers money transfers from MasterCard (Сard2Сash) and our own electronic wallet UNISTREAM MONEY.

Together with the Russian Standard Bank, we launched a new Cash2Card service, which allowed depositing cash on bank cards at UNISTREAM service centers, indicating only the card number.

The geography of UNISTREAM money transfers has expanded - it has now become possible to send them outside the CIS countries.


The number of holders of client cards UNISTREAM has reached 2 million people.

UNISTREAM has become the “Best Money Transfer System in Eastern Europe” according to the authoritative International Financial Journal (IFM).


The largest Russian credit rating agency, Expert RA, assigned a credit rating of A + to UNISTREAM Bank (a very high level of solvency).

The US Federal Revenue Service (IRS) confirmed the registration of JSC CB UNISTREAM and assigned the bank an international identification number of a foreign financial institution.

We launched addressless money transfers to China for our clients.

We provided customers of Tinkoff Credit Systems Bank with the opportunity to replenish deposits and deposit cash on bank cards through UNISTREAM branches. We also launched a depositary services for individuals.


The number of remittances through the UNISTREAM system exceeded 9 million.


The number of remittances through the UNISTREAM system exceeded 9.6 million.


Today, our customers can transfer money to one of the 280,000 service outlets around the world.

Our offices operate in Russia, the UK, Greece and Cyprus.

The number of our partners around the world exceeds 400 financial institutions.

We care about our customers and offer them not only traditional, but also the most modern banking products.

Our priority is to increase the transparency of the financial market in Russia and abroad. We are one of the founders of IAMTN (International Association of Money Transfers Networks) - a reputable international forum that brought together major market players and leads the fight against money laundering.

We strive to promote the development of the financial market and are the organizers of the international conference Fintech 360. Every year we gather leading experts from different areas of the financial sector to discuss how the development of new financial technologies will change the banking sector in the future.