Barabara Regulated Non-WDT-Sacco

The Barabara M-Pesa Paybill number is 4235562. Use Member number followed by # and product shortcode, e.g. 000989#DEP as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 4235562, then the account. Use Member number followed by # and product shortcode, e.g. 000989#DEP as the account number. Keep the M-Pesa message as your receipt.

You can dial *346# and use the Barabara Sacco app 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 Barabara branch.

Yes: USSD *346# and the Barabara Sacco app.

Phone: 0708 827880, WhatsApp: 0708 827 880 and Email: info@barabarasacco.co.ke.

Monday to Friday 8 am – 5 pm.

Barabara's head office is at Barabara Plaza, Mombasa Road, Nairobi, Nairobi County.

You need: eligible: Barabara Sacco/KeNHA/roads sector employees, spouses & children of members, or Board-approved organisations, self-register on member portal with National ID number and email, upload copy of ID, KRA PIN, passport photo and digital signature and next of kin details. You can apply online on SaccoLink and we'll send your application to Barabara.

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 Barabara, so ask a branch for the loan form and current terms. If you need a guarantor from Barabara, its SaccoLink guarantor board lets members guarantee each other.

Give Barabara 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. Barabara 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.