If you'd like to send money to someone who does not have Umba, and who does not have a NUBAN all you need is their phone number.
- Log into the app
- Click "Send Money"
- Select the recipient from your contact list
- Type in the amount you want to send
- Confirm transaction details
- Your money is on its way to its recipient
The recipient gets an SMS notification telling them they've got money from you.
They need to download Umba to access the money sent to them.