Universal Merchant Bank (UMB) is a full-service financial institution specializing in customized banking products and services. The bank was established as a specialized policy bank to provide indigenous merchant and wholesale banking capacity to the Ghanaian economy.
The Bank actively pursued this mandate, becoming a significant solutions provider for institutions and organizations in the economy. In the process, the Bank pioneered, innovated and achieved many milestones.
On 15th March 1972, the bank opened its doors to the public as the premier merchant bank in Ghana and transitioned into a full universal bank and began a retail banking operation.
Subsequently, in 2014, Social Security and National Insurance Trust (SSNIT), which at the time had majority shares in the Bank offloaded its shares Fortiz Private Equity Fund and the Bank rebranded to the Universal Merchant Bank (UMB).
Today, UMB is a full-service financial institution specializing in customized banking products and services. The Bank prides itself on being a completely indigenous Ghanaian Bank. UMB is noted for bringing a uniquely Ghanaian perspective to banking, since 1972.
UMB’s strategic intent is to become a digital -first, SME focused Bank, leveraging its significant corporate banking and public-sector brand equity to evolve a profitable retail banking franchise, using technology to offer competitive products and services to customers and clients.
Within the architecture of Ghana’s banking industry, UMB remains a strong pillar, serving the unique needs of the Ghanaian banking public. The bank continues its storied heritage in banking, delivering Corporate, Treasury, Business, Private, Personal and Anytime Banking units, the Bank is able to adequately address the financial needs of various segments of the market.
The Bank has a network of 36 branches, 68 ATMs, a 24/7 contact center, a virtual anytime banking assistant and internet and mobile banking platforms. The Bank differentiates in the market on the basis of its core values: – S.P.E.E.D. (Speed, Passion, Excellence, Ethics and Diligence).
UMB Bank Branches in Accra:
- UMB BANK ABEKA BRANCH – ACCRA
Location: Opsem House, Opposite SSNIT Building Accra, Ghana.
Telephone Number: +233 307 012 846/0302 231 781
- UMB BANK ABOSSEY OKAI BRANCH – GHANA
Location: Adjacent to Former Fan Milk Depot Accra, Ghana
Telephone Number: +233 302 909 651
- UMB BANK ACCRA MAIN BRANCH
Location: No 44 Kwame Nkrumah Avenue Okaishie Market Accra, Ghana
Telephone Number: +233 307 011 721/22/24/302 667 308
- UMB BANK ACHIMOTA BRANCH – ACCRA
Location: Mile 7 Junction at the Goil Filling Station
Telephone Number: +233 302 400 778/ 400 480/400 152
- UMB BANK ADABRAKA BRANCH – GHANA
Location: 123 Sethi Plaza near Adabraka Police Station Accra, Ghana
Telephone Number: +233 302 226 112/220 952
- UMB BANK AIRPORT CITY BRANCH – ACCRA
Location: Liberation Road, SSNIT Emporium Building, Airport City, Accra, Ghana
Telephone Number: +233 302 666 331
- UMB BANK EAST LEGON BRANCH – GHANA
This is one of the UMB Bank branches in Ghana.
Location: Lagos Avenue Road, across from DNR Restaurant
Telephone Number: +233 302 919 000
- UMB BANK JUNCTION MALL BRANCH – GHANA
Location: The Junction Shopping Centre, Nungua, Accra, Ghana
Telephone Number: +233 302 919 000
- UMB BANK KANESHIE BRANCH – ACCRA
Location: Fisherman House near Hansonic Junction Accra, Ghana
Telephone Number: +233 302 242 670
- UMB BANK LABONE BRANCH
Location: Labone Road, Opposite Labone Secondary School, No. 9 Ndebaninge Road, Accra, Ghana
Telephone Number: +233 302 730 778-9
- UMB BANK OSU MAIN BRANCH – ACCRA
Location: No. 11th Lane, H. P. Nyemitei Street
Telephone Number: +233 302 763 296/302 764 089
- UMB BANK OSU OXFORD STREET BRANCH
This is one of the UMB Bank branches in Ghana.
Location: Oxford Street, Across from Oxford Street Mall
Telephone Number: +233 302 775165
- UMB BANK RIDGE BRANCH
Location: 57 Examination Loop, North Ridge
Telephone Number: +233 302 251 131-6 /028 954 7778
- UMB BANK SAKAMAN BRANCH
Location: House Number B399/19,Dansoman High Street. Ghana
Telephone Number: +233 302 309 448
- UMB BANK SOUTH INDUSTRIAL AREA BRANCH
Location: Old Fadama Road,Near Sikkens Accra, Ghana
Telephone Number: +233 302 673 220/673228
- UMB BANK SPINTEX ROAD BRANCH
Location: On the main Spintex road, opposite Printex and next to Isuzu
Telephone Number: +233 501 449 445
- UMB BANK TEMA EAST BRANCH
Location: Opposite the Timber Market,Near the Ashaiman Roundabout Tema, Ghana
Telephone Number: +233 303 302 698/302692/302648
- UMB BANK TEMA MAIN BRANCH
Location: Heavy Industrial Area Plot No. IND/A/23/1
Telephone Number: +233 303 302 399/300549/300434
- UMB BANK UNIVERSITY OF GHANA BRANCH
Location: Off the Nuguchi Road towards Akuaffo Hall. UG Banking Centre premises, Ghana
Telephone Number: +233 244 680 232
- UMB BANK UNIVERSITY OF PROFESSIONAL STUDIES BRANCH
Location: Plot No 22 & 17, East legon Extension
Telephone Number: +233 302 505 084
- UMB BANK MADINA SME CENTRE
Location: Next to Hollywood (Oman FM) . No 10342 Blk 15 Section 125 , Nkwatanang, Madina
Telephone Number: +233 302 953 446-7
- UMB BANK PPP INCUBATOR CENTRE
Location: Madina Accra Dodowa Road,Near Zongo Junction Madina, Accra, Ghana
Telephone Number: +233 302 953 446-7
- UMB BANK NORTH INDUSTRIAL AREA BRANCH
Location: Kuottam Premises Dadeban road Accra, Ghana
Telephone Number: +233 302 246 486-7