Reliable banking for Africa's Consumers & SMEs.

Umba's mission is to open up banking services for Africa's vast, underserved market today.

Umba aims to make it easier for consumers and SMEs to interact with banks and mobile money networks, providing a transparent, low-fee service that allows users to take control of their financial lives

Reliable banking for Africa's Consumers & SMEs.

Our progress so far...

2023 - Launched in Kenya & licensed by the CBK

Our Vision

Empowering a financially inclusive Africa, where seamless and affordable banking solutions drive the aspirations and growth of every individual and business.

Who we are

Umba is the African digital bank for consumers and businesses that is lowering the cost and increasing the reach of banking services.

Umba also uses the proprietary data generated by customers to offer credit products and generate revenue where customers can receive and repay credit products through their mobile phones.

What we offer

For Businesses:

For Individuals:

Our core values

Inclusivity

Aiming to bridge the financial inclusion gap in Africa implies a deep commitment to making banking accessible to all, regardless of socio-economic status.

Innovation

As a fintech aiming to lead digital banking in Africa, continuous innovation in technology and banking solutions would be paramount.

Sustainability

With initiatives such as electrification projects and green banking solutions, it's clear that a sustainable approach to both business and the environment is vital for Umba.

Collaboration

Given the emphasis on partnerships with fintechs, traditional banks, and organizations like USAID, collaborative efforts are key to Umba's approach.

Integrity

Taking fraud seriously and having anti-money laundering and anti-bribery policies in place emphasizes a commitment to ethical operations.

Empowerment

By offering financial education and working on electrification projects, Umba seeks to empower individuals and communities to improve their own circumstances.

Transparency

Open communication with customers, transparent reporting on sustainability initiatives, and clarity in operations suggest a value of transparency.

Adaptability

By offering financial education and working on electrification projects, Umba seeks to empower individuals and communities to improve their own circumstances.

Commitment to Excellence

Hiring experts in their fields and maintaining high standards in technology and customer service speaks to a dedication to delivering the best.

Inclusivity

Aiming to bridge the financial inclusion gap in Africa implies a deep commitment to making banking accessible to all, regardless of socio-economic status.

Innovation

As a fintech aiming to lead digital banking in Africa, continuous innovation in technology and banking solutions would be paramount.

Sustainability

With initiatives such as electrification projects and green banking solutions, it's clear that a sustainable approach to both business and the environment is vital for Umba.

Collaboration

Given the emphasis on partnerships with fintechs, traditional banks, and organizations like USAID, collaborative efforts are key to Umba's approach.

Integrity

Taking fraud seriously and having anti-money laundering and anti-bribery policies in place emphasizes a commitment to ethical operations.

Empowerment

By offering financial education and working on electrification projects, Umba seeks to empower individuals and communities to improve their own circumstances.

Transparency

Open communication with customers, transparent reporting on sustainability initiatives, and clarity in operations suggest a value of transparency.

Adaptability

By offering financial education and working on electrification projects, Umba seeks to empower individuals and communities to improve their own circumstances.