Umba 4+

African's Digital Bank


Designed for iPhone

    • 3.0 • 24 Ratings
    • Free

iPhone Screenshots


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 1.18.1

- bug fixes

Ratings and Reviews

3.0 out of 5
24 Ratings

24 Ratings

Kennymoney55 ,

Add kuda and other online banking to your bank permission please

I only have kuda bank to link

Nikiwinks ,

Reliable loan app

I’ve used their loan services a few times and every single time they have given me very reasonable interest rates and repayment window. Also their services banking services are top notch, if your transaction didn’t go through , your money is in your account before you even notice.

neeweeezy ,


They are scam… I sent money on 27th of December from successfully my bank account to umba but I wasn’t credited. I wrote them both on emails and in app but nothing after I sent them the transaction receipt

Developer Response ,


Thank you for your feedback.

We are always looking for ways to improve at Umba, and we love hearing you have a great experience. For assistance, please send us a mail at, in-App messaging, or the email address linked with your Umba account and one of our team will reach out to you immediately.​


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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