---
title: "UMB Ghana: Banking App"
description: "Open accounts online and bank by app or web in Ghana. Get personal loans, SME overdrafts and trade finance, plus 35+ branches nationwide."
canonical_url: "https://liners.com/umb-ghana"
markdown_url: "https://liners.com/umb-ghana.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/umb-ghana/screenshot.webp?v=1786940105163"
published_at: "2026-08-17T04:15:13.533Z"
updated_at: "2026-10-05T05:13:38.541Z"
---

# UMB Ghana: Banking App

Open accounts online and bank by app or web in Ghana. Get personal loans, SME overdrafts and trade finance, plus 35+ branches nationwide.

## Breadcrumbs

- [Banking](/categories/banking)
- [UMB Ghana](/umb-ghana)

## Summary

Digital and branch banking for personal and business needs

A Ghanaian bank offering personal, business, corporate, and wealth banking, plus internet banking, online account opening, branch/ATM locator, and registrar services.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.myumbbank.com/ |
| Tagline | Digital and branch banking for personal and business needs |
| Primary country | Ghana |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Universal Merchant Bank (UMB) is a Ghanaian bank that has operated since **1972**, when it was established as Merchant Bank Ghana, the country's first merchant bank. It converted to a **universal banking license in 2005** and now serves personal, business, corporate, and wealth banking customers nationwide.

Key capabilities include:
- **Personal and retail banking**: savings and current accounts, personal loans, and mobile and internet banking
- **Business and SME banking**: overdrafts, trade finance (letters of credit, bills of collection), and equipment leasing, supported through three dedicated **UMB Centres for Businesses** in Accra, Kumasi, and Kasoa
- **Corporate and treasury banking**: lending, advisory, and treasury services for larger corporate clients
- **Digital banking** through internet banking, online account opening, and the **UMB SpeedApp** mobile app

Available on **Web** and **Android** (also on iOS via the App Store), with a network of **35+ branches** across Ghana.

Notable context: UMB was recapitalized in 2019 under the government-backed **Ghana Amalgamated Trust (GAT)** program set up after Ghana's banking-sector clean-up, alongside its majority private shareholder, **Fortiz Private Equity Fund**; other shareholders reportedly include **SSNIT** and **SIC Life**. UMB also has a history of pioneering hire-purchase and leasing in Ghana and advising on transactions such as the Ashanti Goldfields-AngloGold merger before the Ghana Stock Exchange existed.

## Features

- [Banking](/categories/banking): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Commercial Bank](/tags/commercial-bank): Product feature or technology
- [Ghana](/countries/ghana): Market

## Related pages

- [Alternatives](/umb-ghana/alternatives)
- [Reviews](/umb-ghana/reviews)
- [Transparency](/umb-ghana/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/umb-ghana)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)