BAT Regulated Non-WDT-Sacco

The BAT M-Pesa Paybill number is 400222. Use 446110# followed by your name (no spaces) as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 400222, then the account. Use 446110# followed by your name (no spaces) as the account number. Keep the M-Pesa message as your receipt.

You can dial *346# 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 BAT branch.

Yes: USSD *346#.

Phone: +254 740200705, WhatsApp: +254 740 200 705 and Email: customercare@batsacco.co.ke.

BAT's head office is at BAT Premises, Industrial Area, Nairobi County.

You need: membership application form, copy of ID, coloured passport photo, kRA PIN and joining fee and share capital paid via Paybill 400222. You can apply online on SaccoLink and we'll send your application to BAT.

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

Give BAT 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. BAT 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.