Meet the next generation of banking

With an Umba account, you have everything you need from your bank. Spend, pay bills, get loans, and cashback all from your phone.

Install Umba AppInstall Umba for iOS
Umba Mobile app screen
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Financial control at your fingertips

Are you tired of switching banks, but still not getting value for your money? What if we told you we can fix that? Because we're customers too! We know what’s frustrating you.

Imagine a Bank that pays you

Enjoy up to 3% cashback on every bill you pay. We also reward your for every friend or family you refer. Keep track of your earnings in the rewards tabs to see what's earning you the most.

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Your money is safe with us

We make sure no one else is able to access your funds through photo verification and security pins. We treat your money with the same care you do.

Open your account today and experience next-gen banking

With an Umba account, you have everything you need from your bank. Spend, pay bills, get loans, and cashback all from your phone.

Install Umba AppInstall Umba for iOS

Frequently asked questions

Everything you need to know about the product and billing.
Who is Umba?
Umba is a venture backed digital bank.
What is Umba Business?
Umba Business is a business solution centered around payrolland employee financing.
What are the benefits of using Umba to the employees?
1. Savings account with interest rate
2. Cashback on bills payment
3. Salary allocation settings
4. Salary advance
5. Installment loans and lots more
How much salary advance can an employee get?
An employee can request up to 50% of their net salary per month.
What is the pricing and duration for installment loans?
Employees can get up to 3x their net pay per month and pay back within 3-9 months
What is the interest rate?
It is 5% interest rate for the salary advance & 5% per month for the installment loans.
What happens if a staff resigns while still making loan repayments?
The lending relationship always resides between Umbaand the lender. If the lender left the business it would be up to the lender to repay the Umba facility through an alternative payment method and schedule agreed by Umba and the lender.
Does the Umba system generate payroll slips?
Yes a pay slip will be automatically generated by the system and sent to the employee.
Do employees have to get paid into the Umba account?
Employees can choose where they want ti get paid whether Umba accounts or non-umba accounts. However, they need Umba accounts to enjoy the benefits available with Umba.
Who can I contact for support?
White Glove service from our Customer Experience team.

A better banking experience

With an Umba account, you have everything you need from your bank.

Spend, pay bills, get loans, and cashback all from your phone

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Umba business mobile dashboard

Zero fees, & we mean it!

Your bank should help you grow and save your money, that’s why we have taken out unnecessary bank charges.

A bank that pays you

Enjoy up to 3% cashback on every bill you pay, &N10 when you refer a friend.Check how much you’ve earned in the rewards tab. See what's earning you the most and how you can get the most out of your bank account.

Your money is safe with us

We make sure no one else is able to access your funds through photo verification and security pins. We treat your money with the same care you do.

Get a loan

No need to jump through hoops to borrow money.
Enjoy smart and affordable loans with our low interest rates. We also make paying back easy for you. This way you’re growing your wealth, not your debt.
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