Best Umba Apps

27+ iOS apps curated and reviewed

3.1 avg rating
20 free apps
Updated August 2026

Finding the right umba apps can be overwhelming with so many options. We've analyzed 27+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Umba Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1MonibacMonibacFree2.7★ (61)NoNoAug 2026
2P2Vest - Loan & Insurance AppP2Vest - Loan & Insurance AppFree3.6★ (165)NoNoJul 2026
3Kiakia P2PKiakia P2PFree3.0★ (18)NoNoMay 2026
4Carbon: Mobile Banking & LoansCarbon: Mobile Banking & LoansFree4.5★ (10K)NoNoAug 2026
5Andray FinanceAndray FinanceFree1.0★ (1)NoNoJul 2026
6Kwikee - Credit and SavingsKwikee - Credit and SavingsFree2.0★ (10)NoNoAug 2026
7eLendlyeLendlyFree2.2★ (49)NoNoAug 2026
8UceeUceeFree4.5★ (36)NoNoAug 2026

Top Picks for Umba

Monibac#1

Monibac by Prime Zone Limited

Get access to loans on Monibac
Editor's Choice
💰 Finance
2.7(61 ratings)
Free
Monibac screenshot 1
Monibac screenshot 2
Monibac screenshot 3
Monibac screenshot 4
Monibac screenshot 5

Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.

P2Vest - Loan & Insurance App#2

P2Vest - Loan & Insurance App by p2Vest Technology Limited

P2P Lending | Buy Insurance
Strong Contender
💰 Finance
3.6(165 ratings)
Free
P2Vest - Loan & Insurance App screenshot 1
P2Vest - Loan & Insurance App screenshot 2
P2Vest - Loan & Insurance App screenshot 3

Connects borrowers seeking loans directly with lenders, streamlining the traditional lending process. Users can apply for loans, receive funds, or invest by lending to others. Offers flexible repayment terms and requires KYC for increased loan limits.

Kiakia P2P#3

Kiakia P2P by Kiakia Bits Limited

You fund. We invest. You earn.
Worth Considering
💰 Finance
3.0(18 ratings)
Free
Kiakia P2P screenshot 1
Kiakia P2P screenshot 2
Kiakia P2P screenshot 3
Kiakia P2P screenshot 4
Kiakia P2P screenshot 5
Kiakia P2P screenshot 6

Invest in loans and businesses to earn high returns, or access fast, competitive loans. This platform connects investors with borrowers, facilitating funding with minimal bureaucracy. Earn interest or share profits on your capital.

More Umba apps to explore

4
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Save Money|Transfers| Loans
Free

Manage your finances with a digital bank offering easy money management, high-interest savings, accessible loans, and a buy now, pay later option. Enjoy secure banking with real-time alerts and a customizable debit card.

High-interest savings accountsAccessible instant loansBuy Now, Pay Later (0% interest)
💰 Finance
(10K)
free with in-app purchases
5
Andray Finance
Andray Finance
Andray Finance
Borrow smart, Build strong
Free

This digital lending platform offers quick and transparent loans to salaried professionals, entrepreneurs, and gig workers in Nigeria. It provides instant access to funds, easy repeat borrowing, and loan growth opportunities based on responsible repayment. The service prioritizes privacy and automated, secure transactions.

Instant loan access up to ₦5,000,000Streamlined, paperwork-free applicationEasy repeat borrowing
💰 Finance
(1)
free
6
Kwikee - Credit and Savings
Kwikee - Credit and Savings
Kwikee - Credit and Savings
by MONEYMARQUE FINANCE LIMITED
Free

Access instant funds with a digital credit card and easily save money with various options. Manage your finances conveniently with features designed to improve your lifestyle.

Instant digital credit card accessSalary-based credit withdrawalAutomatic repayment via bank card
💰 Finance
(10)
free
7
eLendly
eLendly
eLendly
Gift, Lend, Borrow and Invest
Free

Manage your financial life by automating subscriptions, lending and borrowing with friends, and tracking your overall finances. This app provides a centralized platform for personal financial management.

Automate subscriptionsLend and borrow with friendsTrack finances
💰 Finance
(49)
free
8
Ucee
Ucee
Ucee
Save, Spend & Borrow
Free

This digital bank offers a hybrid model combining neo-bank flexibility with traditional banking infrastructure. It provides access to credit and innovative banking solutions, including savings, bill payments, and personalized financial planning tools.

Digital-first microfinance bankingAccess to creditSavings and deposit accounts
💰 Finance
(36)
free
9
UMBA Online
UMBA Online
UMBA Online
by Archmore, Inc.
Free
🍔 Food & Drink
(0)
10
Fast Credit Mobile
Fast Credit Mobile
Fast Credit Mobile
by FASTCREDIT LIMITED
Free

Access quick loans and smart investment opportunities with this financial services app. It offers transparent processes, fast approvals, and secure transactions for individuals in Nigeria. Grow your wealth and manage your finances conveniently.

Quick loans up to ₦5,000,000Flexible repayment plansFast approvals and disbursements
💰 Finance
(16)
free
11
moninow
moninow
moninow
Digital lending platform
Free

Access quick loans within minutes using basic banking information. This platform simplifies the borrowing process, eliminating the need for guarantors, paperwork, or collateral.

Quick loan accessSimple application processNo guarantor required
💰 Finance
(5)
free
12
UMB Events
UMB Events
UMB Events
by UMB Financial Corporation
Free
💼 Business
(0)
13
GoldMan-Mobile Banking
GoldMan-Mobile Banking
GoldMan-Mobile Banking
by GOLDMAN MICROFINANCE BANK LIMITED
Free

This app offers a comprehensive suite of digital banking services, including money transfers, deposits, lending, and investment options. It provides high-interest savings accounts and secure, compliant financial solutions.

Money transferring and depositLending servicesFinance management
💰 Finance
(9)
free
14
UBA Mobile
UBA Mobile
UBA Mobile
United Bank of Albania Mobile
Free

Manage your United Bank of Albania accounts conveniently from your mobile device. Perform banking transactions, check balances, and access financial services on the go.

Account managementTransaction historyBalance checks
💰 Finance
(2)
free
15
Sycamore - Save Invest Borrow
Sycamore - Save Invest Borrow
Sycamore - Save Invest Borrow
Save, Invest & Get loans
Free

Access personal and business loans, lend money to friends, invest for returns, and pay bills all in one place. This financial app offers quick access to funds and opportunities to grow your money.

Personal loansBusiness loansLend money to friends
💰 Finance
(124)
ad-supported
16
Credit Wallet
Credit Wallet
Credit Wallet
by Princeps Credit Systems Limited
Free

Access flexible loan products designed for employees through employer partnerships. Manage your finances with repayment options ranging from 2 to 12 months and competitive interest rates. Secure your personal information with robust data protection measures.

Employee loan accessFlexible repayment termsCompetitive interest rates
💰 Finance
(7)
free
17
Zowar Umrah OTA | B2B
Zowar Umrah OTA | B2B
Zowar Umrah OTA | B2B
by Sami M Al Harbi
Free
✈️ Travel
(0)
18
بامبو - bambo
بامبو - bambo
بامبو - bambo
by Omar Al Tawashi
Free

A free online marketplace connecting buyers and sellers for new and used goods. Easily list items, browse categories, and find great deals with a streamlined and secure shopping experience.

Online marketplace for buying and sellingList new and used itemsBrowse and filter categories
💼 Business
(1)
free
19
Nirra
Nirra
Nirra
Loan, Lease & Lifestyle
Free

Instantly send and receive money, shop with installment payments, and apply for loans. Manage your finances and lifestyle needs all in one place.

Instant money transfersInstallment shoppingLoan applications
💰 Finance
(17)
free
20
Uuwii
Uuwii
Uuwii
by Lionel Gbagba
Free
📊 Productivity
(0)

FAQ about Umba

What are the best umba apps for iPhone?
Monibac tops our umba apps ranking as of August 2026, with a 2.7-star average from 61 App Store ratings, and it's free to download.
Yes — 20 of the top umba apps we rank are free to download, including Monibac and P2Vest - Loan & Insurance App.
Monibac has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 27+ umba apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Monibac is a finance app that provides users with access to collateral-free loans and allows them to save money while earning interest. Users can easily deposit, withdraw funds, and receive reminders for loan repayments.
To be eligible for a loan, you must be over 18, live in Nigeria, and have saved on the platform for at least three months. After three months, you can request a loan of up to 150% of your total savings. Loan approval involves completing KYC documents and e-signing an agreement.

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