Umba 4+


Designed for iPhone

    • 4.0 • 3 Ratings
    • Free

iPhone Screenshots


With an Umba account, you have everything you need from your bank. Spend, pay bills, get loans, and cashback all from your phone.

Umba allows users to apply, drawdown and repay loans directly from their smartphone. Once an individual is verified, we make lending decisions based on an assigned risk rating.
What do people use Umba for? Plenty of things, like:
Getting a Mobile Money Loan
Apply mobile money loan in seconds. Receive mobile money to your M-Pesa account.

Finance a Utility Bill
Add your utility accounts in the Umba App and finance your utility bills! Pay for water, electricity, internet, and more.
Transferring Money
A secure and fast way to send money! Pay Utility Bills in other countries with a few taps.

Create your account
Apply in seconds
Receive an Umba Loan
Increase your loan limit every time you repay a loan on time

Umba puts you in control of your finances. The Umba app lets you apply for credit on the go and it works 24/7.
No paperwork, collateral or office visits needed
You can use your Umba loan to send money directly to your M-Pesa account, to merchants, or utility providers
No late charges or rollover fees
Get access to bigger loans, lower fees, and flexible payment terms as you repay
Loans are approved and disbursed quickly
Get access to credit to build the life you want -- for your business, your home, your family, your life.

We love hearing from our customers so please let us know on the details below if you have any questions or comments.
Questions? Our Customer Experience Team provides excellent support for your financial needs, from 8AM-5PM, Monday through Friday. Message us within the app and receive an answer in minutes!

What’s New

Version 1.0.3

- Minor Bug Fix

Ratings and Reviews

4.0 out of 5
3 Ratings

3 Ratings

App Privacy

The developer, Umba, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Contacts
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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