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BNI unikqu

UnikQu is an electronic money server based that can be accessed by BNI customers and non customers using smartphone iOS and Android platform.

The product can be used to pay items at merchant using QR scan, purchase mobile credit and pay phone billing.


  • Free monthly fee
  • No need to open a BNI account
  • Your mobile phone number is your UnikQu account number
  • Fast transaction, without small change amount
  • Can be used at more than 2.000 merchant across Indonesia
  • Top up/cash-in UnikQu through BNI e-channel (BNI SMS Banking, BNI Mobile Banking, BNI Internet Banking, BNI ATM) and Agen46

How to get UnikQu

  • Visit Appstore (iOS 9.0 and up) atau Google play (Android 4.0 and up)
  • Search "UnikQu"
  • Download and install application
  • Do registration from UnikQu application

How to top up/cash-in UnikQu

  • Through BNI Internet Banking, BNI Mobile Banking, BNI SMS Banking from purchase menu ➠ UnikQu
  • Through BNI ATM from emoney menu ➠ UnikQu
  • Through Agen46 near your location

Interesting features on UnikQu

  • Payment at offline or online store using QR scan
  • Purchase mobile phone credits
  • Payment mobile phone billing
  • Transfer between UnikQu account and BNI account
  • Cash Withdrawal through Agen46 and BNI ATM
Limits and fees
Description Limit per number UnikQu
Maximum balance UnikQu unregistered (Rp. 1.000.000,-)
UnikQu registered (Rp. 10.000.000,-)
Minimum balance Rp. 0,-
Minimum top up amount Rp. 10.000,-
Purchase payment at offline/online store Based on MDR applied
Cash withdrawal ATM BNI Free
Isi ulang pulsa Free*
Pembayaran tagihan pascabayar Free*

* Telkomsel provider additional charge Rp. 1.500,-

FAQ UnikQu, klik here