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Umba Login With Phone Number, Email, Online Portal, Website

Umba is a financial technology company that provides loans to Nigerians. The company was founded in 2018 and is headquartered in Lagos, Nigeria. Umba offers a variety of loan products, including personal loans, business loans, and education loans.

To login to Umba, you can use your phone number, email address, or username and password. Once logged in, you can view your loan applications, manage your account, and track your loans. You can also make payments on your loans and contact customer support.

Logging in to Umba is a quick and easy process. The process to login to the platform has been outlined 

Umba Login With Phone Number

To log in to your Umba account using your phone number, follow these simple steps:

  • Open the Umba mobile app on your smartphone. If you haven’t downloaded the app yet, you can do so from your device’s app store.
  • Click on the “Login” button on the app’s homepage.
  • Select the option to log in with your phone number.
  • Enter your registered phone number in the provided field.
  • Click on the “Send Code” or “Get Code” button.
  • Shortly after, you will receive a one-time verification code (OTP) via SMS on your phone.
  • Enter the OTP in the designated field on the Umba app.
  • Click on the “Verify” or “Login” button to complete the login process.

Once you’ve successfully verified your phone number, you will gain immediate access to your Umba account. From there, you can manage your loans, view your repayment schedule, and access other account-related features through the app.

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Umba Login With Email

Here are the steps on how to login to Umba using your email:

  1. Go to the Umba website or mobile app.
  2. Click on the “Login” button.
  3. In the “Email” field, enter your email address that you used to create your Umba account.
  4. Click on the “Send Code” button.
  5. A verification code will be sent to your email.
  6. In the “Verification Code” field, enter the verification code that you received in your email.
  7. Click on the “Login” button.
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If you have forgotten your password, you can click on the “Forgot Password?” link and follow the instructions to reset your password.

Umba Login With Online Portal

You can not login to Umba, via an online portal, you will have to make use of either their app, or their website. 

Umba Login With Website

Yo can login to Umba via the below login process. 

  • Open Your Web Browser: Launch your preferred web browser on your computer or mobile device.
  • Visit Umba’s Official Website: Enter “www.umba.com” or the official website address of Umba in the web browser’s address bar and press Enter.
  • Access the Login Page: Look for the “Login” or “Sign In” button on the Umba website’s homepage. Click on it to proceed to the login page.
  • Choose Login Method: If Umba offers multiple login options, such as phone number, email, or username, choose the “Login with Email” option.
  • Enter Registered Email Address: Input the email address that you used when signing up for an Umba account into the provided field on the login page.
  • Request One-Time Verification Code (OTP) or Enter Password: Depending on Umba’s security measures, you might need to enter a one-time verification code (OTP) sent to your email or your account password to proceed with the login.
  • Enter Verification Code or Password: If you received an OTP via email, enter it into the designated field on the login page. If you are using a password, input your registered password instead.
  • Complete Login: After successfully verifying your email address or entering your password, Umba’s website should grant you access to your account. You can now manage your loan, view repayment details, and access other features available to borrowers.
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Hence, next time you need to login to the platform, kindly make use of the above guide. 


How do I verify my Umba account?

To verify your Umba account, you will need to provide your BVN and a recent utility bill. You can do this by going to the Umba website or mobile app and clicking on the “Verify Account” button.

Once you have provided your BVN and utility bill, Umba will verify your account within 24 hours. Once your account is verified, you will be able to borrow money from Umba.

How much can Umba borrow me for the first time?

The amount of money that Umba can borrow you for the first time will depend on your income and expenses. Umba will assess your creditworthiness and determine how much money you can afford to borrow.

Typically, first-time borrowers can borrow up to ₦50,000 from Umba. However, the maximum amount that you can borrow will depend on your individual circumstances.

Is Umba on iOS?

Yes, Umba is available on iOS. You can download the Umba app from the App Store.

What is the limit for Umba?

The maximum amount that you can borrow from Umba is ₦500,000. However, the actual amount that you can borrow will depend on your income and expenses.

Can I have more than 1 loan at African Bank?

Yes, you can have more than 1 loan at African Bank. However, you will need to ensure that you can afford to repay all of your loans.

What is the maximum online transaction limit in Nigeria?

The maximum online transaction limit in Nigeria is ₦100,000 per day. However, this limit can be increased to ₦500,000 if you have a verified bank account.


In conclusion, Umba has redefined the landscape of financial empowerment by offering a diverse range of login options that cater to the modern borrower’s needs. Through phone number, email, online portal, and potentially a website, Umba empowers individuals to access their accounts seamlessly and navigate their financial journey with ease.

As we explored Umba’s login methods, we witnessed the fusion of innovation and user-centricity, creating a harmonious balance between convenience and security. The swift authentication of a phone number and the added protection of email login ensure that borrowers can confidently engage with their financial affairs.