UMB
Akwaaba
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Universal Merchant Bank

Hassle-Free Ghana Bank Account for Diasporans

Akwaaba is UMB's diaspora proposition: a real Ghanaian account opened from Charlotte, New York or Dubai, remittance at honest rates, and payments that land where the family actually needs them.

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$4.6bn
Annual inflows to Ghana
5 min
Median account opening
0.9%
Blended corridor fee
A Ghanaian professional abroad managing her UMB Akwaaba account on her phone

One relationship with home

Open remotely

Ghana Card or passport, a selfie and five minutes. No branch visit, no Accra trip.

UMB Remit

Send USD, GBP or EUR to any Ghanaian bank or mobile wallet at a rate you can see.

Purpose Pay

Pay school fees, hospital bills and building suppliers directly. Receipts, not rumours.

Remittance-as-a-Service

Licensed corridor partners plug into UMB rails with one API and instant settlement.