Umba referral program, earn N1,000 per referral

by Johnson Daniel
Umba referral program, earn N250 per referral

Most of you should be familiar with the Umba referral program. This referral program has been around for a long now, and in as much as coming back with a good offer of rewarding users with N1,000 cash for referring one person, worth it right?

Before we dive in fully to this referral program, Let’s get some info on what this platform is all about and how we can make use of it in the long run if the need arises.

What is Umba?

Umba is a platform where you create free bank accounts, take away unnecessary bank charges, and provide an ecosystem of connected financial services that allows you complete control of your money, all in one app.Umba referral program, earn N250 per referral

Umba features

  • Free Transfers + Zero Fees: Enjoy free, fast and secure money transfers to bank accounts and mobile money accounts, while saving you 70% on typical banking fees.
  • Get Access To Instant Loans: You can get access to money anytime you need it regardless of what you need it for. Open an account now, and start enjoying a smarter and more affordable way to borrow.
  • Earn Cashback on transactions: Customers earn Cashback on all transactions. Anytime you use Umba to pay utility bills or merchants you get money back directly into your Umba wallet.
  • Instant withdrawals and deposits to bank accounts: Topping up your Umba wallet couldn’t be easier. We’ve integrated with the top banks so you can deposit money on your Umba wallet in two clicks.
  • Money Requests: Umba customers can send and receive money requests. Split lunches. Remind friends to repay you. Payback your friend. The power is in your hands!

Now that we’ve seen some other interesting things the platform has to offer, let’s have a look at its referral program, know how it works and see if we can benefit from it.

How does the Umba referral program work?

The referral program works as follows:

  • Your friend installs Umba using your referral code;
  • Your friend creates an Umba account and inputs your referral code and completes payment to a third party (another Umba user) with a minimum value of N100; and
  • Both of you get N1,000 deposited into your Umba wallet.Umba

It is a win-win situation if you use a referral code to open your Umba account, you end up getting N1,000 for free when you complete a transaction of N100. You can transfer it to any of your bank accounts or use it to pay for any bill it can afford, e.g, airtime.

How to join this referral program

  • Download the Umba app from here. Enter your phone number to get a link to download the app to your phone. Download and install it.
  • Launch the app, tap Sign Up, fill in the required details to create the account. Use qualytech as your referral code to get the sign-up bonus (Not compulsory).
  • After you’re done with creating the account, you need to verify it. You are going to need to provide your full name, D.O.B (Date of Birth), N.I.N (National Identification Number) and selfie during the verification process. After doing this, wait for some minutes for the verification process to be complete. You should get verified if all data provided is correct.
  • Once you get verified, go to the Rewards section, create a referral tag, and share your link to friends and family members telling them of this program.

* The major setback with this referral program is the fact that you can’t earn when you refer more than 5 people.

I believe you’ve got the whole idea of how the Umba referral program works. Your referral needs to download the app and complete a payment to a third party with a minimum value of N100 before both of you can receive the N500 bonus. If you have any questions regarding this, feel free to use the comment box, I’ll be happy to help.

Leave a Comment


Muhammad Hamza Abdullahi October 6, 2021 - 8:03 am

The second party person who enter the referral code of his friend is he going to credit his account and send it to the third party person or what.

Johnson Daniel October 6, 2021 - 9:55 am

Now, this is up to you, you would get credited with the referral reward anyway.

Marc October 6, 2021 - 11:23 pm

Pls who is a third party as stated here

Johnson Daniel October 7, 2021 - 4:53 am

Someone who helps him or her fund their account

Sanibube November 29, 2021 - 12:24 pm


Onwumelu Chigozie Abraham December 4, 2021 - 7:46 am

Use the ‘abrahamchigozie’ as your Umba referral code to get #500.

Mimie March 9, 2022 - 5:07 am

What is your account number sir, I need a third person’s account to sign up sir

Johnson Daniel March 9, 2022 - 6:32 am

I’d advice you find someone close to you to perform this action.

Olufemi Ayobami February 25, 2022 - 8:16 am

How long does it takes to be paid for referral, because i referred someone and all the task have been done but i haven’t receive my referral bonus

Johnson Daniel February 25, 2022 - 10:53 am

Are you entirely sure your referral completed the task?

Sulaiman March 1, 2022 - 1:54 pm

I’m a student

Faysal Yakob July 8, 2022 - 10:52 pm

Pls I need umba account number


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