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UBA Congo Mobile App review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

UBA Congo Mobile App suits Congolese savers who want everyday spending alongside a savings balance, with a monthly fee of XAF 0 and easy access to their money. Spending abroad is the weak spot: the currency conversion fee of 3% sits well above 0.1% at Wise.

Key facts

Best for
Anyone in the Democratic Republic of the Congo who wants a no monthly fee savings account and a Visa debit card in one app.
Monthly fee
FCFA 0↗
Currency conversion fee
3%↗
Card type
Debit↗
Card network
Visa↗
Currencies
2↗
Legal entity
UBA Congo DRC (SA)↗
Headquarters
Democratic Republic of the Congo↗
Founded
2011↗
Support channels
Email, Phone↗
Features
Multi-currency
Official website
ubardc.com

Savings

Headline rate
2.45%↗
Rate type
Variable↗
Minimum deposit
FCFA 50,000↗
Access terms
Savings accessible at any time with instant withdrawals at will under the account conditions↗
Account kind
Easy access↗
Pricing model
No monthly fee

Facts checked September 26, 2026, 5 sources

Pros and cons

Pros

  • The savings account carries a monthly fee of XAF 0 and a minimum deposit of XAF 50,000.
  • Savings are easy access: withdrawals can be made instantly at will under the account conditions.
  • The debit card is multi-currency across 2 currencies and runs on the Visa network.
  • It holds a Banque Centrale du Congo banking licence, with licence number 27.

Cons

  • The currency conversion fee of 3% is well above the 0.1% charged by Wise.
  • Savings pay a headline rate of 2.45%, under the site median of 3%.
  • Support runs on email and phone only, with no in-app chat listed.

Ready to try UBA Congo Mobile App?

Scored 8.5 / 10 by SumCue.

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Who it suits

  • Congolese households saving locally who need instant access to their balance
  • Anyone wanting a plain Visa debit card for everyday spending in the Democratic Republic of the Congo
  • Savers who prefer a single app for current account spending and savings

Who should look elsewhere

  • Frequent travellers who convert currency often, since 3% is high next to 0.1% at Wise
  • Anyone chasing a top savings rate, as 2.45% sits below the site median of 3%
  • Users who want live chat support, since contact runs on email and phone

How UBA Congo Mobile App compares

Where UBA Congo Mobile App is available

Available
Democratic Republic of the Congo
Licence in Democratic Republic of the Congo
Banque Centrale du Congo (27), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does UBA Congo Mobile App cost to run?+

The savings account carries a monthly fee of XAF 0, so there is nothing to pay each month to keep it open. The account model is listed as no monthly fee, which is the most common setup among the accounts compared.

What interest does the savings account pay?+

The headline rate is 2.45%, and it is variable, so the bank can move it. For context, the site median across savings accounts is 3%, so this rate sits below the middle of the market.

Can I get at my savings when I want it?+

Yes. Savings are accessible at any time with instant withdrawals at will under the account conditions. The account kind is listed as easy access, which is how 75.2% of compared accounts are set up.

What is the minimum deposit to open the account?+

The minimum deposit is XAF 50,000. That is the entry balance, and the account still runs without a monthly charge once it is open, at XAF 0.

Who regulates the bank?+

It holds a banking licence from the Banque Centrale du Congo, the central bank of the Democratic Republic of the Congo. The licence number is 27.

What card comes with the account?+

It is a debit card, so spending draws straight from the account balance. The card is multi-currency across 2 currencies and runs on the Visa network, which is the network behind 58.5% of the cards compared.

What does it cost to spend in another currency?+

The currency conversion fee is 3%, which is the main cost drawback. That places it at 221 out of 258 brands on this measure, and the site median is 1%.

How do I get help if something goes wrong?+

Support runs on email and phone, meaning email and phone. There is no live chat listed, and phone is the channel 74.4% of compared accounts offer.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

UBA Congo Mobile App

Anyone in the Democratic Republic of the Congo who wants a no monthly fee savings account and a Visa debit card in one app.

8.5/10See alternatives