Full List of Umba Microfinance Bank Branches and Products in Kenya

Updated 19 October 2026

Umba Microfinance Bank Limited is a Central Bank of Kenya (CBK) licensed microfinance bank that runs a digital-first model: most customers open accounts and borrow through the app rather than a branch queue. CBK’s February 2026 Directory of Licenced Microfinance Banks lists Umba with one branch, at Timshack House on Ngong Road, Nairobi. This guide summarises that official footprint and the products Umba publishes for individuals and businesses on umba.com/kenya.

Licence and branch footprint

According to the CBK directory (February 2026):

• Name: Umba Microfinance Bank Limited
• Postal address: P.O. Box 100854 – 00101, Nairobi
• Phone: 0746 555 222
• Email: info@umba.co.ke
• Website: www.umba.com
• Physical address: Timshack House, 2nd Floor, Ngong Road, Nairobi
• Date licensed: 12 January 2015
• Branches: 1

Umba’s own site places customer support at the same Timshack House address, with phone/WhatsApp +254 746 555 222 and email kenyasupport@umba.com for account issues. Support hours published on the site are Monday to Friday 8:00am to 5:00pm and Saturday 8:00am to 12:00pm. Deposits in licensed microfinance banks are covered under Kenya Deposit Insurance Corporation (KDIC) arrangements; Umba states that deposits are KDIC-insured.

Why there is only one branch

Unlike Faulu or Kenya Women Microfinance Bank, which still run dozens of branches on the same CBK list, Umba markets a phone-led model: account opening with ID and a selfie, loans disbursed to the account, and payments inside the app. The Ngong Road office is therefore best thought of as the licensed head office and support centre, not a high-street network. If you need cash services that require a teller hall, confirm in advance whether the Timshack office can help or whether you should use app channels and partner rails instead.

Products for individuals

Umba’s Kenya site lists the following personal offerings (features and rates change; confirm in the app or with support before you apply):

• Savings: advertised earning of up to 16.5% per annum on savings products.
• Logbook car loans: loans of up to 70% of the car’s value, with marketing copy claiming disbursement within about six hours after approval.
• Asset-backed loans / asset finance: financing to purchase a vehicle.
• Instalment loans: facilities of up to 12 months with monthly repayments.
• Payments: buy goods and pay bills from the Umba app; transfers to banks and M-Pesa are marketed.
• International VAN: a virtual account number for receiving funds from abroad.

Before you take any loan, compare the total cost of credit and your repayment capacity. Our loan affordability calculator helps you stress-test the monthly instalment against your income. If you are rebuilding after missed payments elsewhere, also read how to improve your credit score in Kenya.

Products for business

• Business account management with team access.
• Fixed deposits marketed at up to 16.5% per annum.
• Supplier and vendor payments from the business account.
• Payroll and bulk payment tools (described on Umba’s business pages as part of an all-in-one SME stack).

Umba’s marketing also cites cumulative funding raised and loans disbursed across its markets; treat campaign figures as company claims and rely on your own contract, tariff guide and CBK licence status when you decide.

How account opening works

Umba states that you do not need to visit a branch to open an account. The published flow is: download the app, submit ID and a selfie for verification, then use savings, payments or loan application journeys inside the app. Loan applications are described in three steps: fill the form, receive a call from a representative, then disbursement after approval.

Safety checks for digital microfinance

• Confirm the institution appears on the latest CBK Directory of Licenced Microfinance Banks.
• Use official app store listings and umba.com domains; ignore random APK links.
• Enable whatever in-app security the product offers, and report unauthorised activity immediately on +254 746 555 222 or kenyasupport@umba.com.
• Read the loan contract for interest, fees, collateral (including logbook) and default clauses before you accept.

Frequently asked questions

Is Umba licensed by CBK?

Yes. CBK’s February 2026 microfinance bank directory lists Umba Microfinance Bank Limited, licensed on 12 January 2015, with one branch.

Where is the Umba branch in Kenya?

Timshack House, 2nd Floor, Ngong Road, Nairobi. Phone 0746 555 222.

Can I open an Umba account without visiting the branch?

Umba says yes: account opening is done in the app with ID and selfie verification.

Are Umba deposits insured?

Umba states that deposits are insured by the Kenya Deposit Insurance Corporation (KDIC). Confirm current coverage details when you open the account.

What loans does Umba offer?

Published personal products include logbook loans (up to 70% of car value), asset-backed vehicle finance and instalment loans of up to 12 months. Terms depend on credit assessment.