Main features:

  • The card is secured and comply with International PCI standards.
  • Expires in 3 Years.
  • It is a chip and PIN card.

Basic Requirements:

  • Operate a Savings or Current account with the bank.
  • Customer has to apply by filling an application form.
  • The card is issued instantly across Mkombozi branches.


  • Instant cash withdrawals via ATM.
  • Instant cash withdrawals via Mkombozi Wakala.
  • Allows customer to pay for goods and services in different merchant terminals (POS) which accept Umoja Switch cards.
  • Enables customer to check balance and mini statement via ATM or Mkombozi Wakala.