4.0
26.5K reviews
1M+
Downloads
Content rating
Everyone
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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: support@umba.com
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/
Updated on
Sep 23, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit

Ratings and reviews

4.0
26.2K reviews
Drew Obs
September 26, 2023
I downloaded the app, used it for close to a year and took a loan of 30,000 yesterday, was able to transfer 1,100 out of the wallet. Trying to transfer since yesterday without being able, is this the modus operandi of the app? To give loans and restrict transfers out of the wallet until the loan period elapses? Please rectify this situation ASAP.
2 people found this review helpful
Did you find this helpful?
Beatha Technology
September 26, 2023
Hi Drew, We are sorry about your experience. We are always looking for ways to improve at Umba and we would love for you to have a great experience. Please check your email as the issue has been addressed. Cheers! Umba
Promise Sunday
September 8, 2023
I'm very disappointed to know that there's no fast means of communication to customer service, not even a whatsapp number or numbers to call. I made transfer to the app since yesterday and up till now have not been credited, and no one to talk to about it. This is very bad, so will i let the money go like that it's over 24hours now
5 people found this review helpful
Did you find this helpful?
Beatha Technology
September 11, 2023
Hi Promise, We are sorry about your experience. We are always looking for ways to improve at Umba and we would love for you to have a great experience. For assistance, kindly contact us via support@umba.com or in-app messaging. We'd love to help fix this. Cheers! Umba
Omowumi Owolabi
August 8, 2023
Umba is really a useless platform. Why is repayment so hard to do? My loan is not yet due but I've made payment and sent screenshot to their mail, they replied that it will reflect but I'm still seeing the loan on my dashboard. Now that someome is paying early, the process is frustrating; since there's a dedicated account, why not let it reflect at once on the dashboard & I'll clear my loan?
5 people found this review helpful
Did you find this helpful?
Beatha Technology
August 8, 2023
Hi Omowumi, We apologize for any inconvenience caused. We are always looking for ways to improve at Umba and we will love for you to have a great experience. Please check your email as your complaint has been addressed. Cheers! Umba.

What's new

Added Pngme SDK that allows for user-based SMS permissions for credit scoring and issuing of loans.