Universal Merchant Bank (UMB) is a full-service financial institution specializing in customized banking products and services. Opened on March 15, 1972, UMB is a leading Ghanaian indigenous bank with considerable financial expertise.

Through our Corporate, Business, Private, Personal and Internet Banking departments we are able to adequately address the financial needs of various segments of the market.

Furthermore, our Trade, Treasury and Credit departments complement our broad range of financial services with their unique and innovative banking products. Additionally, with thirty-six (36) branches, three (3) UMB Centre for Businesses, one (1) UMB PPP Incubator Centre and a vast network of ATMs, UMB makes banking easy and accessible.


To lead, create and professionally provide a wide range of innovative and superior banking services that guarantee returns exceeding stakeholders’ expectations.


UMB aspires to be positioned as a leading Ghanaian Bank and a leader in innovative banking solutions by 2020.

Core Values

Speed, Passion, Excellence, Ethics, Diligence

Please visit our website for more information.

Founded: 1972

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