UMC

$0.1510

+1.00%

Reward 10 UMC

Meet Umoja Bank

Your Digital Bank for Africa’s Tomorrow

Open a fully online account in minutes, hold UMC and local currencies, and start transacting with confidence.

Open an Account

Learn How It Works

Why Umoja Bank

Banking designed for “Mama wa kijijini,” the Masai herdsman, and everyone in between—no one is “too poor” for Umoja bank.

How It Works (3 Steps)

  • Register with a Fingerprint
    – No paper chase. Biometric setup in seconds.
  • Fund Your Wallet
    – Load UMC or local cash via any Umoja Agent.
  • Save & Spend
    – Send money, pay school fees, or tuck away savings on your schedule.

Up to 25% per Annum in interest!

Core Features for the Unbanked

Find your nearest Umoja Bank

Ready to Join?

Mini-Form:

  • Name, phone, village/community

  • Checkbox (checked): “Send me mobile banking tips”

  • Button: “Get Started with Fingerprint”


    We need a form here!

Join the Umoja Pay Waiting List

Be one of the first 100,000

Sign up now and lock in your spot—when the app launches you’ll get 10 UMC preloaded in your wallet to start transacting immediately.

[Join the Waiting List →]

Build with Umoja

For Talent & Professionals

Have the skills, passion, and drive to transform cross-border payments? Join our team, help design, build, and scale solutions that empower millions.

Partner with Umoja

Institutions

Looking to power borderless payments at scale? Become an Umoja partner or investor, integrate our rails, onboard your network, and drive financial inclusion together.