AMREF Regulated Non-WDT-Sacco

The AMREF M-Pesa Paybill number is 840300. Use Member Number + product code, e.g. MemberNumber-DEP (deposits), MemberNumber-SHA (share capital), MemberNumber-NOL (normal loan) as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 840300, then the account. Use Member Number + product code, e.g. MemberNumber-DEP (deposits), MemberNumber-SHA (share capital), MemberNumber-NOL (normal loan) as the account number. Keep the M-Pesa message as your receipt.

You can dial *816# and log in with your member details to see your deposits, shares and loan balance. If you haven't registered for mobile banking, register at any AMREF branch.

Yes: USSD *816#.

Phone: 020 6002184, +254 722 139 585, +254 729 139 585, +254 732 515 797 and Email: info@amrefsacco.org.

Monday to Friday 8 am – 4:30 pm.

AMREF's head office is at AMREF Building, Nairobi, Nairobi County.

You need: referral membership form (referred by an active member), copy of ID, kRA PIN certificate, one of: employment contract/appointment letter, business registration certificate, cancelled cheque, or bank letter confirming account, entrance fee KES 2,000 (deducted from initial deposit), minimum share capital KES 30,000 (can be paid gradually) and minimum KES 3,000 monthly deposit. Expect a registration fee of KSh 2,000, minimum share capital of KSh 30,000 and a minimum monthly saving of KSh 3,000. You can apply online on SaccoLink and we'll send your application to AMREF.

Loans are for members. How long you must save first, how much you can borrow against your deposits, and how many guarantors you need are set by AMREF, so ask a branch for the loan form and current terms. If you need a guarantor from AMREF, its SaccoLink guarantor board lets members guarantee each other.

Give AMREF written notice. Deposits are usually refunded after a notice period once your loans and any guarantees you have given are cleared. Share capital is normally not refunded, but you can sell it to another member, for example on SaccoLink.

Yes. AMREF is on SASRA's 2026 list of SACCOs authorised to take non-withdrawable deposits: members save deposits and share capital and borrow against them, but it doesn't run withdrawable (FOSA) accounts.