Umba

Banking made simple

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Countries Served

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Reliable banking for Africa's consumers and SMEs

Umba is an African digital bank working to lower the cost and increase the reach of banking services.

Open up banking services for Africa's underserved consumers and SMEs.

A financially inclusive Africa powered by seamless and affordable banking.

Serving consumers and businesses across Kenya and Nigeria.

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Services

Digital banking built around how African consumers and SMEs work.

Savings

Save flexibly from KES 50 or use a fixed deposit from KES 5,000.

Asset Finance

Unlock vehicle value through logbook lending or finance a new or used car.

Business Payments

Pay suppliers and vendors, save recipients and generate payment reports.

Why Umba?

Licensed, inclusive and built for growth

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Inclusive Banking

Accessible digital services designed for underserved consumers and SMEs.

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Trusted in Kenya

Umba Kenya states that it is CBK licensed and that eligible deposits are KDIC insured.

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Countries Served

Serving Kenya and Nigeria

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What you can do with Umba

Everyday banking and finance for people and growing businesses.

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Payments & Transfers

Receive money and make secure local transfers to saved beneficiaries.

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High-Interest Savings

Build flexible savings or choose a fixed deposit for a higher return.

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Responsible Credit

Access eligible personal, business, logbook and vehicle-finance products.

How it works

Start banking in four simple steps

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Create Your Account

Register using your current personal and contact details.

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Verify Your Identity

Complete the required identity and contact verification checks.

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Fund or Save

Add funds and choose the account or savings option that suits you.

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Bank with Umba

Use eligible payment, transfer, savings and credit services.

Frequently Asked Questions

Quick answers about Umba banking in Kenya.

Don’t find your answer here? just send us a message for any query.

Contact with Us

Umba is a digital banking business serving Kenya and Nigeria with savings, payments and eligible credit products.

Umba Kenya states that it is licensed by the Central Bank of Kenya and that eligible deposits are insured by the Kenya Deposit Insurance Corporation.

Yes. Registration and identity verification are completed digitally using your current details and required identity documents.

Umba currently serves Kenya and Nigeria. Available products and eligibility differ by country.

Eligible Kenyan customers may access business lending, logbook loans and vehicle finance, subject to application, assessment and approval.

Monday to Friday, 8:00 AM to 5:00 PM; Saturday, 8:00 AM to 12:00 PM; Sunday closed.

Countries Served

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Loans Disbursed

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Team Members

M USD

Funding Raised

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