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Fostering prosperity for Ugandans.

Pearl Bank Uganda Limited is built on nearly a century of banking heritage and a renewed vision to foster prosperity for Ugandans. Our journey began in 1926 as the Post Office Savings Department, the first effort to cultivate a savings culture in Uganda by extending financial services to ordinary citizens, especially in rural communities. In 1998, we became PostBank Uganda Limited, a government-owned institution dedicated to expanding access to affordable savings and credit services. Over the years, we grew into one of Uganda’s most accessible financial institutions, guided by a strong commitment to inclusion and national development.

PURPOSE

To foster prosperity for Ugandans

HIGH IMPACT GOALS

To drive sustainable financial inclusion
To stimulate entrepreneurship and service

Fostering prosperity for Ugandans.

Pearl Bank Uganda Limited is built on nearly a century of banking heritage and a renewed vision to foster prosperity for Ugandans. Our journey began in 1926 as the Post Office Savings Department, the first effort to cultivate a savings culture in Uganda by extending financial services to ordinary citizens, especially in rural communities. In 1998, we became PostBank Uganda Limited, a government-owned institution dedicated to expanding access to affordable savings and credit services. Over the years, we grew into one of Uganda’s most accessible financial institutions, guided by a strong commitment to inclusion and national development.

PURPOSE

To foster prosperity for Ugandans

HIGH IMPACT GOALS

To drive sustainable financial inclusion
To stimulate entrepreneurship and service

1926
Humble Beginnings

Our story begins in 1926 as the Post Office Savings Department, offering basic savings services through the Uganda Post Office. This was the first effort to encourage a savings culture in Uganda, making financial services accessible to ordinary citizens, especially in rural areas.

1998
PostBank Uganda is Born

The Post Office Savings Department was separated from Uganda Posts and Telecommunications Corporation and incorporated as PostBank Uganda Limited in February 1998.

2004
A New Regulatory Era

We came under the Financial Institutions Act of 2004, aligning it with national banking standards and paving the way for future licensing and transformation.

2019
The 5 year Transformation Begins

We launched an ambitious five-year transformation strategy (2019–2023) to strengthen systems and governance, expand its network, drive digital and financial inclusion, and modernize service delivery.

December 2021
Tier-One Commercial Bank

Bank of Uganda granted us a Tier 1 Commercial Banking License, officially elevating the institution to full commercial bank status.

2021 - 2023
Acceleration & Impact

The bank expanded its branch network from 44 to over 57 locations, strengthened agency banking to improve rural access, upgraded digital channels with a new mobile app, Smart ATMs, USSD (*263#), and internet banking, and invested heavily in cybersecurity and IT infrastructure.

2021 - 2023
Launch of Wendi

Wendi, a revolutionary digital financial platform was launched with a focus on village savings groups (SACCOs) and unbanked communities.

2022 - 2024
Strong Financial Performance

The bank expanded its branch network from 44 to over 57 locations, strengthened agency banking to improve rural access, upgraded digital channels with a new mobile app, Smart ATMs, USSD (*263#), and internet banking, and invested heavily in cybersecurity and IT infrastructure.

June 2025
Rebrand to Pearl Bank

We officially announced our rebrand to Pearl Bank Uganda Limited.

60

Branches

59

Smart ATMs

14

Mobile Vans

7,800+

Wendi Agents

60

Interswitch

How We Stay True to You

Teamwork

We believe progress happens together. By working hand in hand with our customers, partners, and regulators, we are building a more inclusive financial future for every Ugandan.

Passion

Passion drives everything we do. We show up each day ready to serve you better, with energy, creativity, and a genuine desire to make a difference in your life and community.

Integrity

Integrity guides every decision we make. We believe in doing what’s right, being open, honest, and accountable in every transaction. That’s how we earn and keep your trust every day.

Innovation

Innovation keeps us moving forward. In 2023, we introduced Wendi, our digital payment platform designed to make transactions simpler, faster, and more inclusive.

Teamwork forms the cornerstone of PBU's ethos. Collaborating with stakeholders, regulators, and its dedicated team, PBU has evolved into a beacon of financial inclusivity. The relentless pursuit of common goals has propelled the institution forward, ensuring every step taken resonates with unity and collaboration.

Upholding Integrity is non-negotiable at PBU. Committed to the highest ethical standards, the institution operates under the watchful eye of regulatory bodies, exemplifying transparency and trustworthiness in every transaction and interaction. This commitment has fortified the confidence of customers and stakeholders alike.

Passion is at the heart of everything we do. We are deeply committed to serving our customers with enthusiasm and dedication, striving to exceed their daily expectations. Our passion drives us to innovate, find better ways to serve our customers and communities, and make a positive impact in everything we do.

Driven by unyielding Innovation, PBU dared to venture beyond traditional banking. In 2023, the institution marked a pivotal moment with the launch of Wendi, a groundbreaking digital payment platform. Wendi stands not only as evidence to innovation but also as a catalyst for financial revolution, facilitating flawless transactions and empowering unbanked communities across Uganda.