We’re always here to help with anything you need.

Contact us

0746 555 222support@umba.com
Create Your Financial Future With Us
We provide Businesses & Individuals with a secure financial system to spend, save and lend with Umba.
Join Umba on
iOS
Android
Web
Get a Logbook loan
Apply for asset finance
Earn up to 16.5% p/a on Savings
Affordable business solutions

Create your future
with us.

We provide Businesses & Individuals with a secure financial system to spend, save and lend with Umba.

Fully licensed by the CBK

Deposit Insured by

Chat to our team

Speak to our friendly team.
press@umba.com
Contact us

We’d love to hear from you

Our press team is always here to chat.

For Individuals

Lend money, grow your wealth & makes payments with Umba

Savings

Earn up to 16% interest per annum when you save with us.

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Logbook car loans

Loans up to 70% of your car’s value and get instant cash within 6 hours.

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Asset backed loans

Asset finance for those who need to finance the purchase of a vehicle.

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Instalment Business loans

Flexible repayment business loans designed to help you restock, grow, and manage your cash flow, on your terms

Payments

Fast payments to any Bank and Mpesa

We’re Licensed. Regulated. Trusted

Umba Microfinance Bank is fully licensed by the Central Bank of Kenya (CBK) and our deposits are insured by the Kenya Deposit Insurance Corporation (KDIC).

For Business

We provide you with an all-in-one account to bank & manage your teams.
Sign up today

Account management

Manage your business account as a team for seamless collaboration.

Fixed Deposits

Grow your money with attractive interest rates of up to 20% when you save with us.

Payroll

Our automated payroll service ensures accurate payments
and compliance.

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Employee management

We enable you to effectively manage & compensate employees.

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Payments

Pay your suppliers and vendors instantly and manage
your cash using Umba.

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Trusted by companies you know & trust

FAQ

We answered some of your most asked questions
Who is Umba?
Umba is a digital bank operating in Kenya and Nigeria
What is Umba Business?
Umba Business is a business solution centered around payroll and 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 Umba and 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 to 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?
Our customer Customer Experience team are always on hand to assist with any issues
Conatct Us

We'd love to hear
from you

We answered some of your most asked questions

Chat with sales

Talk to our friendly team

kenyasupport@umba.com