Maximizing work
efficiency everyday!
The best customer service software for customer-first teams. Industry-leading email and live chat support.
Maximizing work efficiency, every day!
Book a free Demo Session today and discover how our product helps you simplify complex financial tasks, so you can focus on growing your business.
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Effortless Payroll Management
Simplify your payroll operations, ensure timely payments, and stay compliant with ease. Experience the future of payroll management with Umba Payroll today.
Maximizing work efficiency, every day!
Book a free Demo Session today and discover how our product helps you simplify complex financial tasks, so you can focus on growing your business.
All-in-one finance
for any business
Whether you Get a deposit account, credit card, and spend management software—in one refreshingly easy solution. No fees or minimums. have a team of 2 or 200, our shared team inboxes keep everyone on the same page and in the loop.
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Frequently asked questions
Everything you need to know
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
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
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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At Umba we go the extra mile to financially assist you
Traditional African banking is broken
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.
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.