Umba – Best Banking Services

Experience the best banking services with Umba, where you can enjoy a zero balance account opening, unlimited free transfers, smart and affordable loans, and up to 3% cash back on every bill paid and airtime purchase. Join the Umba tribe today and switch to a better banking experience.

How to Join the Umba Tribe in 2 Easy Steps

  1. Download the Umba app and open an account.
  2. Fund your account and start transacting to earn rewards. Download the app now!

Banking with Umba in Nigeria

Follow these simple steps to enjoy Umba’s services:

  • Download the Umba app from the app store and install it on your phone.
  • Register and verify your identity using a valid ID, such as a driver’s license, international passport, or voter’s or national ID card.
  • Supply the basic requirements, including a utility bill and BVN/NIN.
  • Fund your Umba account via a debit card or transfer money from another bank.

Why Choose Umba?

Here are some reasons why Umba is the perfect banking solution for you:

  • Zero fees – no unnecessary charges
  • Enjoy unlimited free transfers to any Nigerian bank
  • Smart and affordable loans with low-interest rates and flexible repayment
  • Get up to 3% cashback on every bill paid and airtime purchase, and earn N10 when you refer a friend or family member.
  • Your funds are highly secured and data privacy compliant with security pins (OTP) and a photo verification process.

Get a Loan with Umba

Umba makes getting a personal loan simple in Nigeria:

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

Umba loans have a maximum and minimum duration of 62 days, with credit amounts ranging from ₦2,000 to ₦30,000 and a maximum annual interest rate of 10%. There are no commissions, VAT, late fees, rollover charges, or origination fees.

Rates and Fees

Loan amounts and interest rates vary, and limits and fees on transactions vary based on the type of transaction, transaction history, payout location, payment instrument, and delivery method.

Umba Business

Stay tuned for more updates from Umba Business.

Contact Us

We’d love to hear from you. Contact us via:

  • Email: [email protected]
  • Website:
  • Facebook: umbamobile –
  • Twitter: @umbamobile –
  • Instagram: umbamobile –

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