One of the many indigenous banks in Ghana, Universal Merchant Bank, popularly known as UMB has grown in size to serve a large slice of the Ghanaian people. First opened in March 15, 1972, the bank now has 36 branches open across the country. UMB Bank branches are perfectly situated to serve their target populations in different cities. They have branches in universities for students and at many other strategic locations for the best possible service. Apart from their vast branch network countrywide, UMB branches also have ATMs that are operational 24 hours a day allowing for easy banking all day.
The is simply a world class bank. The bank offers amazing services and flexible solutions for all their customer's needs
As far as digital banking goes, they offer online banking via cell phone or PC all day as well to allow their customers run their businesses worldwide with ease. In their aim to deliver the best service, their CEO in his latest communique stated that the bank will also provide round the clock Customer Care.
The long history and vast industry experience has enabled UMB Bank Ghana to diversify the services that it offers to its customers. A wide range of options are available to a customers at all levels from business banking services, corporate banking, personal banking and private banking. The major difference between business banking and corporate banking is that the former is a service that is offered to Small and Medium Enterprises to help support their growth into larger business spheres, they offer treasury and trading services.
The bank also provide loan facilities to businesses in this category, the category has experienced noticeable gains in the last decade. The corporate banking service serves the international business interests of the bank, specifically Chinese investment. It also encapsulates the entirety of the banks services to large multinationals in various sectors.
The more common service that we are all often on the lookout for is personal banking. Under this category the offer customer focused services and accounts each with different perks and benefits that are designed to suit the targets best. They have six different account types:
Early start - These accounts are of two types, ABC accounts and Piggy account and are meant to teach children good money habits such as saving.
Growing up - This section focuses on teens and young adults and are of two types as well, Smart Teen and Young Adult accounts.
New beginnings - This section has only one type of account, the Aspire Account. It is a unique category as it was created solely to serve students in tertiary institutions. This is also the reason they have opened UMB branches in universities.
Everyday Needs - The name for this category of accounts is a little misleading as this account types are for the general population but do not necessarily serve everyday needs. The account assortment is; UMB Current Account, UMB Direct Saver Account, UMB Saver Account, UMB Foreign Currency Account and the UMB Foreign Exchange Account.
Golden Years - You still need to bank when you are old and the Silver Saver Account is just for that.
Faith Institute Account - The name gives it away and this is for banking that follows religious inclination offering a choice between Zion and Zion Plus accounts.
Universal Merchant Bank Ghana also has a private banking service which is in many ways a priority banking category. This is called the Prominence Club and is for high net worth individuals only. The club has three levels of membership; Ruby which is entry level, Emerald which the second class and Diamond at the top level of membership.
Here is the list of the , location and contactsUniversal Merchant Bank branches in Accra
Note that the bank has multiple branches all across Accra and we will list the UMB branches in Accra and locations in the Greater Accra Region. Being the region of the capital there are more merchant bank branches in Accra than in any other region.
Note that the numbers beside the branches are the branch sort codes from the Bank of Ghana.1. Abeka branch (100106)
Opsem House, across from the SSNIT Building Accra, Ghana
Telephone: +233 302 231 781/ 028 967 3905-6
Saturday Banking is for remittance transactions only.2. Abossey Okai branch (100110)
Adjacent to Former Fan Milk Depot Accra, Ghana
Telephone: +233 302 682 185-6
Saturday banking is for remittance transactions only.3. Accra Main branch (100101)
Lot No 44 along Kwame Nkrumah Avenue in Okaishie Market Accra, Ghana
Telephone: +233 302 666 331
Saturday banking available4. Achimota branch (100109)
Mile 7 Junction in the vicinity of the Goil Filling Station
Tel: +233 302 400 778/ 400480/4001525. Adabraka branch (100104)
123 Sethi Plaza close to Adabraka Police Station Accra, Ghana
Telephone: +233 302 226 112/2209526. Airport City branch (100114)
Liberation Road, in the SSNIT Emporium Building at Airport City, Accra, Ghana
Telephone: +233 302 666 3317. East Legon branch (100116)
Located close to the East Legon Restaurant Accra, Ghana
Telephone: +233 307012847
At the Junction Mall, Nungua, Accra, Ghana
Telephone: +233 3039398699. Kaneshie branch (100105)
Fisherman House near Hansonic Junction Accra, Ghana
Telephone: +233 302242670
Saturday is for remittance transactions only.10. Labone branch (100113)
Labone Road, across the road from Labone Secondary School
On plot No. 9 Ndebaninge Road, Accra, Ghana
Telephone: +233 302 730 73211. Osu Main branch (100112)
On the 11th lane, at the rear of the old American Embassy in Accra, Ghana
Telephone: +233 30276329612. Osu Oxford Street branch (100117)
On Oxford Street in the middle of Papaye/Tigo Office and Across Oxford St.
Telephone: +233 302 775165
Saturday Banking is for remittance transactions only.13. North Industrial Area branch (100107)
Kuottam Premises along Dadeban road in Accra, Ghana
Telephone: +233 302246486/714. Ridge branch (100103)
Situated at the 57 Examination Loop in North Ridge
Telephone: +233 302 251 131/6 /028 954 777815. Sakaman branch
This is at house No. B399/19 in Dansoman High Street. Ghana
Telephone: +233 30230944816. South Industrial Area branch (100111)
Located along the Old Fadama Road, close to Sikkens in Accra, Ghana
Telephone: +233 302 673 220/67322817. Spintex Road branch (100118)
On Spintex road, across from Printex and adjacent to the Isuzu Dealership.
Telephone: +233 501 449 44518. Tema East branch (100108)
Across from the Timber Market that is close to the Ashaiman Roundabout in Tema, Ghana
Telephone: +233 303 302 698/302692/30264819. Tema Main branch (100102)
This branch is in the Heavy Industrial Area Plot No. IND/A/23/1
Telephone: +233 303 302 399/300549/300434
Saturday Banking is for remittance transactions only20. University of Ghana branch
Off the Nuguchi Road as you approach Akuaffo Hall, in the UG Banking Centre.
Telephone: +233 244 680 23221. University of Professional Studies branch
Located in Plot No 22 & 17 of the East Legon Extension.
Telephone: +233 302 505 08422. Madina SME Centre
Adjacent to Hollywood (Oman FM). No 10342 in Block 15 Section 125, Nkwatanang, Madina
Telephone: +233 302 953 446-7
Saturday banking available23. UMB PPP Incubator Centre – Madina
Off Accra Dodowa Road, close to Zongo Junction in Madina, Accra
Telephone: +233 302 953 446-7
All branches in Accra have ATMs that are open all day and all night.
Ashanti Region 1. Adum Branch (100605)
Located within Kama Plaza in Adum, Kumasi
Telephone: +233 322 049 145-9
Saturday banking is available2. Asafo Branch (100603)
At the rear of Neoplan Station Asafo, Ghana
Telephone: +233 322 049 456-7
Located along Bantama High Street Kumasi
Telephone: +233 322 049 197/49195 /29198
Saturday Banking is available.4. Konongo Branch (100606)
Within the Sarfo Building, off Konongo along the Kumasi Highway
Telephone: +233 322 124 367 / 24396
Saturday Banking aavailable.5. Kumasi Main Branch (100601)
On lot No.1 along Rain Tree Avenue close to Golden Tulip Hotel Ahensan Kumasi
Telephone: +233 322 049 904 / 2026021
In Plot No. 60 along Ashanti New Town Road opposite Latex Foam in Ashtown, Kumasi
Telephone: +233 322 492 832
Saturday BankingBrong Ahafo Region Techiman Branch (100701)
Located at Q312/2 in Abaim off the Techiman Highway in Techiman, Ghana
Telephone: +233 322 591 031-4
Saturday BankingEastern Region Koforidua Branch (100204)
Situated in house No. 10 on Broadway North Street in Koforidua
Telephone: +233 342 026 294
Saturday Banking is for remittance transactions onlyWestern Region 1. Bibiani Branch (100602)
On lot 23 A Newtown in Bibiani
Telephone: +233 312 093 071-2
Saturday Banking available.2. Takoradi Branch (100401)
Adjacent to the Takoradi Ezi filling station at the Takoradi Market circle
Telephone: +233 312 023 373
Saturday Banking3. Tarkwa Branch (100402)
Along Nzema line close to the Goil filling station on Old Hospital Road, Tarkwa
Telephone: +233 312 322 285Central Region Kasoa SME Centre
Situated in Kasoa Zongo 772/3 near Pink FM across from the Quantum filling stationNorthern Region Tamale Branch
The branch is near MTN along Dagomba Street, Plot No 137 in Tamale
Universal Merchant Bank Ghana bank code is 100100. This is the code that identifies the bank while the sort codes are unique for every branch. The sort code is a six digit number, the first two digits represent the bank code, the next two stand for the clearing zone that the bank is located in and the last two digits represent the bank itself. UMB bank Ghana has a large nationwide presence as demonstrated by their wide branch network above and continue to grow. It is therefore expected that there will be more UMB bank branches opening all around the country to meet the ever growing demand for banking services.UMB Bank head office
You can get in touch with head office on toll free lines; MTN 0800-100880; Airtel and Vodafone 0800-10088; Other Lines 0302633988. The head office is situated in Accra, Ghana at the SSNIT Emporium Building on Liberation Road, Airport City.
Postal Address: P.O. Box GP 401, Accra, Ghana
Telephone: 0302 666 331
Email: [email protected]
You can get in touch with Customer Care 24/7 or call UMB bank branches countrywide on the telephone numbers provided above.