Umba

Umba Technology

About this app

Where are you banking today?

Umba provides you with the best banking experience, when you want financial services. That it is zero balance account opening, unlimited free transfers, smart & affordable loans and up to 3% cashback on every bills pay and airtime purchase. When we say we got you, we meant it. Switch to Umba today!

Join the Umba tribe in 2 Easy Steps
1. Download the app and open an account
2. Fund your account and start transacting to earn rewards
Download Now!

Nigeria Market Requirements:
- Download the Umba app from app store to install on your phone
- Follow the step by step prompt to get registered
- Verify your identity - Valid ID (Driver’s license, International passport, Voter’s or National ID card)
- Supply basis requirements - Utility Bill, BVN/NIN
- Fund your Umba account via a debit card or transfer money from another bank.

Why you should use Umba?
Nigeria Market:
Zero fees - no unnecessary charges
👍🏾 Enjoy unlimited free transfers to any Nigerian bank

Get a loan - smart and affordable loans
👍🏾 Low interest rates
👍🏾 Flexible repayment

Spend & Earn - imagine a bank that pays you for transacting
👍🏾 Enjoy up to 3% cashback on every bills pay and airtime purchase
👍🏾 N10 when you refer a friend and family. Detailed earnings and analytics are available on the rewards tab on the app.

Safety of funds - highly secured and data privacy compliant.
👍🏾 Security pins (OTP) and photo verification process

Get a loan!
In Nigeria market
Umba makes getting a personal loan simple. How? We use the data on your smartphone to verify your identity and create a credit score.

1. Apply for loan by linking your other bank account(s) for credit scoring upon verification and ratings loan is accessible.
2. Repay the loan in due time to increase your loan limit/credit ratings.

Umba loans have a maximum and minimum duration of 62 days.
Credit amount: From ₦2,000 to ₦30,000
Terms: 62 days
The maximum annual interest rate of 10%
Commission: 0% (No commission)
VAT: 0%
Maximum APR (Annual Percentage Rate): 10%

Here is what the above means: for a loan of ₦10,000, there is a 10% interest rate i.e. ₦1,000. So at the end of the term of 62 days, you will be required to pay ₦11,000. No late fees, no rollover charges, or origination fees.

Rates and Fees
👍🏾 Loan amounts and interest rates vary.
👍🏾 Limits and fees on transactions vary based on the type of transaction, transaction history, payout location, payment instrument, and delivery method.

Umba Business - We’re up to something! Stay tuned.

Download Umba Now!

📧 We’d love to hear from you! Feel free to contact us:
Email: [e-mail]
Website: https://www.umba.com
Facebook: umbamobile - https://www.facebook.com/umbamobile/
Twitter: @umbamobile - https://twitter.com/UmbaMobile
Instagram: umbamobile - https://www.instagram.com/UmbaMobile/

Ratings and reviews

At first I thought this app was great until their monsters started coming out . Their support team never replies to messages ,they keep asking you to link your accounts which is never linked no matter how many you provide even when you use the so called pngme .it is always same.old story and when you let them.be ,they keep sending messages to try .I have never seen a more frustrating app in recent times .Their web developers keep saying thank you for your feedback but never any improvement

Very awful, it is really taking longer time to approve the loan I applied for a pressing needs as at yesterday. I'm left with no choice than to delete the useless app, as no loan offer, no approval or disbursement of funds for the past 24 hours, 🙆 what a waste of time and data!!!😡

The best loan app in Nigeria! Their interest rate is far far less than other greedy ones. And their staffs are well cultured when it comes to debt reminder/recovery, unlike the other useless ones that will insult hell out of you in every slightest mistake. I also like their flexibility in loan operations. Umba is the best. I recommend this app for anyone looking for a quick loan in Nigeria.