Business banking in Kenya for control and growth
Run payments, payroll and vendor payouts from one place, and access financing for your business. Umba is a Central Bank of Kenya licensed microfinance bank.
Accounts and payments
Collect money, pay suppliers and receive funds from abroad.
Business bank account
Zero fee current account, payroll ready, and vendor payments.
Learn moreUmbaPay
Manage your business payments, access loans and savings.
- Paybill account for collecting customer payments
- Business loans for registered Nairobi businesses operating for at least 1 year
Bulk payments
Instant reliable bulk payments for your suppliers and vendors.
Learn moreInternational payments
Receive international payments directly into your Umba wallet with your unique Virtual Account Number.
Learn moreFinancing and guarantees
Explore more from Umba
We're Licensed. Regulated. Trusted
Umba Microfinance Bank is fully licensed by the Central Bank of Kenya (CBK) and our deposits are insured by the Kenya Deposit Insurance Corporation (KDIC).
Deposits insured by
Apply in three simple steps
Get started with your application today. Our streamlined process makes it quick and easy.
Fill the application form
Provide your details and loan requirements in our simple online form.
Customer representative calls
We verify your details and discuss the best options for you.
Loan disbursed
Receive funds quickly once approved, directly to your account.