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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.

Install Umba AppInstall Umba for iOS

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.

Traditional banks don't get you!

That’s why we built Umba for you

Zero fees, & we mean it!

Unlimited Free Transfers

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

Open an account today     >

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.

Apply for a loan now     >

Spend & earn

Imagine 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.

Start earning rewards     >

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.

Keep your money safe     >

How we compare to the market

Our Partners

Lachy Groom

Ludlow Ventures

Streamlined Ventures

Goodwater Capital

Frontline Ventures

Act Venture Capital

Costanoa Ventures

Valia Ventures

(Formerly Sendwave)

Banana Capital