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 E-Channels 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 located across Ghana; three (3) UMB Centres for Businesses (Kumasi, Accra and Kasoa); one (1) UMB PPP Incubator Centre located in Accra; and a vast ATM network, UMB makes banking easy and accessible.