--- title: "Umnia Bank alternatives" description: "Compare 75 published alternatives to Umnia Bank." canonical_url: "https://liners.com/umnia-bank/alternatives" markdown_url: "https://liners.com/umnia-bank/alternatives.md" type: "product-alternatives" language: "en" updated_at: "2026-09-07T16:16:05.645Z" --- # Umnia Bank alternatives Compare 75 published alternatives to Umnia Bank. ## Breadcrumbs - [Umnia Bank](/umnia-bank) - [Alternatives](/umnia-bank/alternatives) ## Summary Compare 75 published alternatives to Umnia Bank. ## About these alternatives The most practical **Umnia Bank alternatives** to compare in 2026 are [BANK OF AFRICA](/bank-of-africa), [Arab Bank Egypt](/arabbank), [Standard Chartered Bank](/standard-chartered-bank), [Crédit Agricole du Maroc](/credit-agricole-du-maroc), and [Al Barid Bank](/al-barid-bank). The right pick depends on whether you need Morocco-only banking, wider African coverage, or a bank that fits your personal vs business account needs. Umnia Bank is a Moroccan participative bank focused on Sharia-compliant banking services, launched in **2017** as **Morocco’s first participative bank**, with backing from **CIH Bank** (majority shareholding, around **51%**) and **Qatar International Islamic Bank (QIIB)**. As of **2025**, it reports **MAD 13.5 billion** in total assets and serves customers through around **53 branches across 35 cities** in **Morocco**, alongside its UConnect digital channels. People usually look for an alternative to Umnia Bank for one of three structural reasons: they want a bank that operates beyond Morocco (for work, travel, or diaspora needs), they prefer a more conventional commercial-banking setup instead of participative banking, or they want different onboarding and digital-banking options than what UConnect supports for their profile. Cost can also be a factor, since Umnia Bank’s pricing includes a **25 Dh monthly account fee** (as described by the bank). None of this makes Umnia Bank a poor choice; it means the market now has specialists worth comparing. ## What to Compare When Choosing a Umnia Bank Alternative - **Country coverage**: confirm the bank is available where you live and where you transact, some options are Morocco-only while others span multiple African markets. - **Personal vs business account support**: check that the alternative clearly supports your profile, retail, professional, SME, or corporate. - **Digital banking depth**: look for the online and mobile features you rely on, like internet banking access, remote onboarding, and in-app account management. - **Branch and ATM access**: if you still do cash deposits or in-person paperwork, branch density and ATM reach can matter as much as the app. - **Cross-border needs**: if you are paid from abroad or manage multi-country activity, compare banks with multi-market presence. - **Fee transparency**: compare monthly account fees, card fees, and any published charges, and ask for a schedule of fees before switching. - **Service fit for your segment**: some banks skew retail, others put more emphasis on corporate and institutional banking. Use the Liners directory below to filter and compare Umnia Bank competitors by coverage, banking type, and the features you care about most. ## Compare Umnia Bank Competitors by Where You Bank - **If you are staying in Morocco**: compare Morocco-focused options like [Crédit Agricole du Maroc](/credit-agricole-du-maroc), [Al Barid Bank](/al-barid-bank), and [CFG Bank Morocco](/cfg-bank-morocco). - **If you want multi-country African coverage**: [BANK OF AFRICA](/bank-of-africa) is listed across many African markets including Morocco, while [Attijariwafa bank](/attijariwafa-bank) operates across **15 African countries**. - **If you want an international bank footprint**: [Standard Chartered Bank](/standard-chartered-bank) spans multiple African markets, including Morocco. Browse the Liners directory below for more **apps like Umnia Bank** in [Banking](/categories/banking), then narrow your shortlist by [Morocco](/countries/morocco) and tags like [Commercial Bank](/tags/commercial-bank), [B2B](/tags/b2b), [B2C](/tags/b2c), or [B2B2C](/tags/b2b2c) to find similar apps you can use instead of Umnia Bank. ## Alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | Standard Chartered Bank | /standard-chartered-bank | Retail, wealth, and corporate banking across African markets | Kenya | | | Arab Bank Egypt | /arabbank | Personal and business banking across North Africa and Sudan | Egypt | | | BANK OF AFRICA | /bank-of-africa | Corporate banking hub with online access and disclosures | Morocco | | | Crédit Agricole du Maroc | /credit-agricole-du-maroc | Banking, payments, and farmer-focused finance in one place | Morocco | | | Al Barid Bank | /al-barid-bank | Open and manage a Moroccan bank account online and on mobile | Morocco | | | CFG Bank Morocco | /cfg-bank-morocco | Find banking offers, support, and nearby branches in Morocco | Morocco | | | Crédit du Maroc | /credit-du-maroc | Banking, credit, savings, and insurance for Morocco | Morocco | | | Attijariwafa bank | /attijariwafa-bank | Retail and business banking across 15 African countries | Morocco | | | BancABC | /bancabc | Manage accounts, payments, and transfers through digital banking | Zimbabwe | | | I&M Bank | /i-and-m-bank | Regional banking and insurance services across Eastern Africa | Kenya | | | BNP Paribas El Djazaïr | /bnp-paribas | Retail, business, and corporate banking services in Algeria | Algeria | | | First Atlantic Bank | /first-atlantic-bank | Personal and business banking with digital access | Ghana | | | Zemen Bank | /zemen-bank | Bank online, in-app, and in-branch across Ethiopia | Ethiopia | | | BANCOBU Bank | /bancobu-bank | Banking services for individuals and businesses in Burundi | Burundi | | | Bank Gaborone | /bank-gaborone | Manage accounts, payments, and banking online in Botswana | Botswana | | | BRED Madagasikara | /bred-madagasikara | Manage bank accounts online and on mobile in Madagascar | Madagascar | | | Caixa Económica de Cabo Verde | /caixa-economica-de-cabo-verde | Digital banking, cards, and microcredit for Cabo Verde | Cabo Verde | | | Dashen Bank | /dashen-bank | Everyday banking, cards, and digital channels for Ethiopia | Ethiopia | | | Enat Bank | /enat-bank | Inclusive banking with USSD and mobile access in Ethiopia | Ethiopia | | ## Related pages - [Product page](/umnia-bank) - [Alternatives](/umnia-bank/alternatives) - [Reviews](/umnia-bank/reviews) - [Transparency](/umnia-bank/transparency) ## Access and citation - [Canonical HTML page](https://liners.com/umnia-bank/alternatives) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)