The beginning of Universal-Bank-Transfer Co. was laid by three men: Jackie Moodle, Alan Morray and Burrow Kills. Back in 1988, three passionate young pupils, whose major is Information Technology, had discussed with each other about starting a company to deliver technological & Banking services in an old rented apartment.

Universal-Bank-Transfer had been operating for 5 years when it reached the golden age in the company’s history. They received two prestigious awards for Dedicated Services & Community Contribution (in 1990), plus three successive award nominations for Best Banking Company of the year (respectively in 1991, 1992 & 1993).

The company has a turning point in 1995 when one of its founders left the board of the management and established a new company in Healthcare & Assurance – HealSoul. Later on, Universal-Bank-Transfer and HealSoul have successfully cooperated in several projects to integrate technology into taking care of people’s Wealth. .