# Umba — Africa's Digital Bank

> Smartphone loans, bill payments, and money transfers for African users. (iPhone/iPad app by Umba Incorporated.)

- Source: https://appshunter.io/ios/app/umba/id1572066078 (this page in markdown: same URL + `.md`)
- Developer: [Umba Incorporated](https://appshunter.io/developer/1572016965)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 3.05/5 from 41 App Store ratings · 19 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 139 MB
- Languages: English, French
- Released: 2022-07-22
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/umba/id1572066078/reviews.md

## What is Umba?

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.

IT'S EASY TO GET STARTED
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.

CONTACT US
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!
EMAIL: support@umba.com
FACEBOOK: facebook.com/umbamobile
WEB: www.umba.com

## Key features

- Apply for mobile money loans
- Finance utility bills
- Secure money transfers
- Fast loan approval and disbursement
- No collateral or office visits required
- Increase loan limits with timely repayment

## Recent user reviews (10 of 19)

All indexed reviews: https://appshunter.io/ios/app/umba/id1572066078/reviews.md

### 1/5 — You guys are nothing but shameless scams

*2025-07-09*

Fool after I link my bank I wasn’t able to access it again. Stay clear from this app guys but I’ve changed my details from the bank and change my password. This app is a SCAM

### 1/5 — This is suspicious!

*2025-06-17*

If you want to apply for a loan it says you should link your bank in which you'll have to press the Passcode of your online banking, I did that and I noticed my acct was logged on a oukitel c15 phone, that seems sketchy or scam!!! Beware newbies

### 1/5 — Complain bout loan

*2024-12-24*

I took a loan on this app and I’ve paid but it’s still showing that I haven’t paid, I hope y’all aren’t expecting me to pay another money tho because I can’t and if anything happens to my other bank account trust me I will report y’all

### 1/5 — Scam

*2024-10-15*

I deposited 3,500 into my Umba account and you scam haven’t credit me yet. I’m really disappointed with your poor service

### 5/5 — I am trying to reactivate my account and is showing me verifying already, please I need help

*2024-09-08*

I am trying to reactivate my account and is still showing verifying please I need a customer support

### 1/5 — They didn’t credit my money

*2024-09-03*

They should send back my money is Umba a scam now?

### 1/5 — Pending transaction

*2024-07-24*

I’ve had a pending transaction for more than 10 hours and it hasn’t been refunded or completed what kind of an app seize up for that long and the customer service never answered back

### 3/5 — Not happy

*2024-04-21*

I really need to speak with and Agebt if UMBA bank because ever since 3days now I can’t make transfer out of my account is just telling processing or most times it shows pending then it reverts back to my account why

**Developer response:** Hi,


Thank you for your feedback.


We are always looking for ways to improve at Umba and we will love for you to have a great experience.


For assistance, kindly contact us via support@umba.com or in-App messaging. We'd love to help fix this.


Cheers!
Umba

### 3/5 — Add kuda and other online banking to your bank permission please

*2023-12-10*

I only have kuda bank to link

### 1/5 — Negative review

*2023-06-02*

Very disappointing that one cannot link his bank on this app
The app is technically poor and the agents are so lazy to reply to customers complaints 
I regret signing up 😡😡

## Frequently asked questions about Umba

### What can I use Umba for?

Umba allows you to apply for and receive mobile money loans directly to your M-Pesa account. You can also use it to finance utility bills such as water, electricity, and internet, and to send money securely and quickly to others.

### How do I get started with Umba?

Getting started is easy. You need to create an account within the app, apply for a loan in seconds, and then receive your Umba loan. Your loan limit can increase with each timely repayment.

### Are there any hidden fees or requirements for loans?

No, Umba states there are no late charges or rollover fees. Collateral and office visits are also not required. You can access bigger loans and lower fees as you build a history of timely repayments.

### What if I have questions or need support?

Umba offers customer support through their app, email (support@umba.com), and Facebook. Their Customer Experience Team is available to assist with your financial needs from 8 AM to 5 PM, Monday through Friday.

### Is Umba available on all smartphones?

The description implies the app is smartphone-based, suggesting compatibility with common mobile operating systems. Users can download and use the app to manage their finances on the go.

## Version history (last 5 releases)

### 1.25.0 — 2025-05-07

- bug fixes

### 1.24.0 — 2025-03-24

- performance improvements

### 1.23.0 — 2025-02-14

- bug fix

### 1.22.0 — 2024-09-26

- bug fix

### 1.21.0 — 2024-08-07

- bug fix

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*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 2026-06-10.*