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Empowering Dreams Through Innovation

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Here is our core values
Guided by integrity, driven by purpose — the principles that shape every decision, every relationship.
Integrity & Loyalty
Unshaken honesty and deep commitment to our community. We build lasting trust through transparent actions.
trust · ethical
Unrestricted Access
Financial inclusion without barriers. Empowering students, entrepreneurs, and families.
inclusion · open
Nurturing
Growing potential through guidance and support. We cultivate dreams and celebrate progress.
growth · care
Bold Steps
Courage to innovate and embrace forward-thinking solutions for lasting impact.
courage · innovation
Accountability
Owning our actions and delivering on promises while learning from every challenge.
responsibility
Friendliness
Warm, welcoming interactions that make every customer feel valued and respected.
empathy
Motivated Workforce
Passionate teams committed to excellence, growth, and continuous improvement.
passion
Good Governance
Strong ethical frameworks and transparent leadership guiding every decision.
leadership
Mobile Banking and Payment

Why Choose UMFB?

Your trusted partner for secure and modern banking solutions

UNILAG Microfinance Bank was established by the University of Lagos to provide safe, simple, and accessible financial services tailored to individuals, students, and small businesses. Licensed by the Central Bank of Nigeria, UMFB combines trusted banking standards with modern digital tools to help you manage your money with confidence.

  • Trusted & Regulated — Licensed by the Central Bank of Nigeria with secure services.
  • Convenient Digital Banking — Access via mobile, USSD, and online tools.
  • Tailored Financial Solutions — Savings, loans, and accounts for your needs.
  • Support for Your Goals — From students to SMEs, bank services that grow with you.
Learn More ›
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Choose what's right for you

We help businesses and customers achieve more

Convenient banking

Save & take loans to grow your business

Open a working bank account in minutes. Access round the clock support with no hidden fees and complete control over your account.

Access working capital loans to help your business grow. Easy request process with business-friendly interest rates and repayment tenures.

Learn More ›

Loan Repayment Calculator

₦500,000
6 months
Monthly Repayment: ₦0
Total Repayment: ₦0
Apply Now

Grab the New UMFB App

Experience easy banking. Even on the move!

What Our Customers Say

Trusted by students, entrepreneurs, and business owners

"Unilag MFB made opening an account simple! The mobile app lets me check my balance anytime. Highly recommended for students."

Aisha - UNILAG Student

"The loan service helped my business grow fast. Approval was quick, interest rates reasonable, and repayment flexible."

Emeka - Entrepreneur

"POS and ATM services are reliable. My customers pay easily, which improved my business operations."

Chinwe - Shop Owner

"Customer support is always responsive. Questions about transactions are answered promptly."

Femi - Small Business Owner

Reliable POS Terminal Services

Fast & secure payment solutions for your business

We issue modern POS terminals that help businesses accept payments easily from customers anywhere, anytime with instant settlement options.

Our POS solutions are reliable, secure, and designed to improve your business cash flow while reducing transaction delays and failures.

POS Terminal Services
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