# Ucee — Save, Spend & Borrow

> Digital microfinance bank for savings, spending, borrowing, and financial empowerment. (iPhone/iPad app by United Capital Plc.)

- Source: https://appshunter.io/ios/app/ucee/id6476814776 (this page in markdown: same URL + `.md`)
- Developer: [United Capital Plc](https://appshunter.io/developer/1474574975)
- Category: Finance, Business
- Price: Free
- Rating: 4.50/5 from 36 App Store ratings · 2 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.6 · 134 MB
- Languages: American English
- Released: 2024-08-14
- Data updated: 2026-08-30
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/ucee/id6476814776/reviews.md

## What is Ucee?

Ucee is a digital-first microfinance bank emerging from the strength of Africa’s leading investment bank and financial services group, United Capital Plc. At Ucee, we redefine banking to be more than just transactions; we serve as a partner in supporting and enhancing the quality of lives of our customers.

OUR PURPOSE

To democratize access to credit and innovative banking solutions.

At the heart of our mission is financial inclusion; we believe that everyone, regardless of their background or financial standing, deserves equal access to financial empowerment. By breaking down barriers and bridging gaps, we provide inclusive, innovative, convenient and accessible banking services.

OUR APPROACH

Ucee adopts a cutting-edge hybrid banking model integrating the state-of-the-art technology, seamlessness, and flexibility of a neo-bank with the time-tested and durable operational infrastructure of a traditional bank. This fusion enables us to provide unparalleled financial solutions, giving customers the freedom to bank on their own terms – wherever, however, and whenever they want – through our physical branch located in the heart of Lagos Island and our digital channels (website and mobile app).

OUR SERVICES

Under this flexible model, Ucee customers enjoy access to a wide range of services, including savings, deposits, cardless withdrawals, bill payments and more. Whether at our physical location, the comfort of their home or a holiday destination, accessing these services takes just minutes with minimal documentation required. In line with our commitment to financial inclusivity, we offer a USSD feature, ensuring account holders without smartphones can conveniently avail of these services.

Beyond transactions, we recognize that financial well-being is crucial for realizing life goals and aspirations hence, we provide personalized financial solutions, from target savings plans to budgeting tools, to help our customers not only manage their money but to empower them to live the life they envision.

## Key features

- Digital-first microfinance banking
- Access to credit
- Savings and deposit accounts
- Cardless withdrawals
- Bill payments
- Personalized financial solutions
- USSD feature for non-smartphones

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/ucee/id6476814776/reviews.md

### 1/5 — Transaction pending for hours

*2025-10-07, version 1.0.88*

well i just started using app. ive tried to send funds but been unable to. its been pending for hours. starting to regret using this app tho.

### 5/5 — Ok

*2025-06-26, version 1.0.87*

Ok

## Frequently asked questions about Ucee

### What is Ucee?

Ucee is a digital-first microfinance bank that offers a hybrid banking model, combining the flexibility of a neo-bank with the infrastructure of a traditional bank. It aims to democratize access to credit and innovative banking solutions.

### What services does Ucee offer?

Ucee provides a range of services including savings, deposits, cardless withdrawals, bill payments, and personalized financial solutions like target savings plans and budgeting tools.

### Is Ucee available on multiple devices?

Yes, Ucee is available for iPhone, iPad, and iPod devices, as indicated by its supported devices list.

### How secure is Ucee?

As a digital bank emerging from a leading investment bank, Ucee is built on a robust operational infrastructure. While specific security features are not detailed, it integrates advanced technology with traditional banking reliability.

### Does Ucee support users without smartphones?

Yes, Ucee offers a USSD feature, ensuring that account holders without smartphones can conveniently access banking services.

### What is the age rating for Ucee?

Ucee has an age rating of 17+, suggesting it is intended for adult users due to its financial services.

### How often is Ucee updated?

The app was last updated on March 18, 2026, with version 1.0.89. This indicates a recent update, suggesting ongoing development and support.

### Does Ucee have ads?

No, Ucee does not contain advertisements. The app is free to download and use without any ad interruptions.

## Version history (last 5 releases)

### 1.0.89 — 2026-03-18

- Stay notified on special offers

### 1.0.88 — 2025-07-30

Free Transfers

### 1.0.87 — 2025-06-25

Manage Notifications Settings
Better Experience
Bug Fixes

### 1.0.86 — 2025-05-23

Enjoy a Better Experience

### 1.0.85 — 2025-04-29

Bug fixes

## Apps similar to Ucee

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Sycamore - Save Invest Borrow](https://appshunter.io/ios/app/sycamore-save-invest-borrow/id1592757960) | 4.3 (124) | Free | Finance |
| [Neocash Mobile](https://appshunter.io/ios/app/neocash-mobile/id6444277601) | 3.0 (2) | Free | Finance |
| [CTMFB](https://appshunter.io/ios/app/ctmfb/id1662530510) | 3.8 (4) | Free | Finance |
| [SavingsBox App](https://appshunter.io/ios/app/savingsbox-app/id6450254549) | 4.0 (4) | Free | Finance |
| [Grooming Mobile App](https://appshunter.io/ios/app/grooming-mobile-app/id6452879940) | 3.7 (3) | Free | Finance |
| [Rank - Save, Spend & Send](https://appshunter.io/ios/app/rank-save-spend-and-send/id1578727095) | 3.8 (12) | Free | Finance |

## More apps by United Capital Plc

- [InvestNow](https://appshunter.io/ios/app/investnow/id6443587415)
- [InvestNow — Grow, Save & Trade](https://appshunter.io/ios/app/investnow-grow-save-and-trade/id6761197975)

All apps by United Capital Plc: https://appshunter.io/developer/1474574975

## Related topics

[umba](https://appshunter.io/ios/topics/umba)

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*