---
title: "Umnia Bank: Islamic Banking in Morocco"
description: "Open Sharia-compliant accounts in Morocco, apply for Mourabaha home/car financing or Ijara leasing, and manage remotely via UConnect app/web."
canonical_url: "https://liners.com/umnia-bank"
markdown_url: "https://liners.com/umnia-bank.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/umniabank/screenshot.webp?v=1786698729632"
published_at: "2026-08-17T06:24:40.167Z"
updated_at: "2026-10-05T05:13:42.020Z"
---

# Umnia Bank: Islamic Banking in Morocco

Open Sharia-compliant accounts in Morocco, apply for Mourabaha home/car financing or Ijara leasing, and manage remotely via UConnect app/web.

## Breadcrumbs

- [Banking](/categories/banking)
- [Umnia Bank](/umnia-bank)

## Summary

Sharia-compliant banking with mobile account access

A Moroccan participative bank offering Sharia-compliant accounts, financing, savings, and takaful, with UConnect app access for individuals and businesses.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.umniabank.ma/ |
| Tagline | Sharia-compliant banking with mobile account access |
| Primary country | Morocco |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Umnia Bank is a Moroccan **participative bank** providing **Sharia-compliant banking services** for individuals, professionals, companies, and Moroccan diaspora customers.

Key capabilities include:
- **Bank accounts** for **individuals, professionals, and companies**, with online **account pre-opening** (preouverture)
- **Financing products** structured around Islamic finance principles, including **Mourabaha** (real estate and car financing), **Ijara** (leasing), and **Moucharaka**-style investment offers
- **Savings and investment** options (tawzif al-amwal) with profit-sharing structures, for personal and business needs
- **Takaful insurance** for individuals, professionals, and companies

Available on **Web** (including **UConnect** web login), **Android**, and **iOS** via the **UConnect** mobile app for remote account management.

Umnia Bank launched in **2017** as **Morocco's first participative bank**, founded with backing from **CIH Bank** and **Qatar International Islamic Bank (QIIB)**; CIH Bank holds the majority (around **51%**) of shares, with QIIB holding the rest. The bank is a member of **CIBAFI**, the international council for Islamic banks and financial institutions.

As of 2025, Umnia Bank reports **MAD 13.5 billion** in total assets, a **MAD 11.5 billion** financing portfolio (up 29.3% year-on-year), and net profit of **MAD 57 million**, serving customers through around **53 branches across 35 cities** in Morocco, alongside its digital banking channels.

## 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
- [Morocco](/countries/morocco): Market

## Related pages

- [Alternatives](/umnia-bank/alternatives)
- [Reviews](/umnia-bank/reviews)
- [Transparency](/umnia-bank/transparency)

## Access and citation

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