For more than ten years, Umoja is proud to be the only shared local ATM and card scheme in the country. More than 20 banks and Financial Institutions are sharing more than 260 ATMs and manage to provide banking services using ATMs across the country at low operational costs.

Services available on Umoja ATMs

1. Cash withdraw
2. Mini statement
3. Balance inquiry
4. PIN change
5. Transfers (Inter-bank, Intra-bank, To Card-less)
6. Wallet cash outs (from M-Pesa, Tigo Pesa, Airtel Money, HaloPesa)
7. UnionPay ATM card Acquiring (Balance inquiry & Cash withdraw)
8. Visa services (Visa card issuance, Visa ATM card acquiring, Visa on Mobile (mVisa), E-commerce)