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Deposit-Taking Licensed by SASRA (deposit-taking) 2026

Defence Sacco Society Ltd

Ulinzi House, Lenana Road, Hurlingham, Nairobi, Nairobi County
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Dial *515#Mobile banking CustomerCare: 0205134900Call 0793281989WhatsApp contactus@defencesacco.comEmail DESACCO appGet the app defencesacco.comWebsite DirectionsHead office

Branches

Branch list not added yet. Add a branch you know.

How to join

Registration feeKSh 600
Minimum share capitalKSh 20,000
Minimum monthly savingKSh 3,500

Bring:

  • Uniformed serving or retired personnel
  • Duly filled membership form (download, or hard copy from Pay Offices, Welfare Office, Unit Chief Clerk)
  • One-time registration fee KES 600 (non-refundable)
  • Minimum share capital KES 20,000
  • Monthly sink fund KES 300
  • Minimum monthly deposit contribution KES 3,500
Apply online We send your application to the SACCO.

Need a guarantor in Defence?

Be the first on the guarantor board: members guarantee each other, and phone numbers are shared only when both agree.

Open the guarantor board

Shares for sale

None listed right now. Post a buy request or sell yours.

Defence: questions members ask

What is the Defence Paybill number?

Defence hasn't published a Paybill number that we could confirm on its official channels. To ask, call CustomerCare: 0205134900, WhatsApp 0793281989 and email contactus@defencesacco.com.

How do I check my Defence balance?

You can dial *515# and use the DESACCO app 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 Defence branch.

Does Defence have mobile banking?

Yes: USSD *515# and the DESACCO app app.

What is the Defence contact number?

Phone: CustomerCare: 0205134900, WhatsApp: 0793281989 and Email: contactus@defencesacco.com.

Where is Defence's head office?

Defence's head office is at Ulinzi House, Lenana Road, Hurlingham, Nairobi, Nairobi County.

How do I join Defence?

You need: uniformed serving or retired personnel, duly filled membership form (download, or hard copy from Pay Offices, Welfare Office, Unit Chief Clerk), one-time registration fee KES 600 (non-refundable), minimum share capital KES 20,000, monthly sink fund KES 300 and minimum monthly deposit contribution KES 3,500. Expect a registration fee of KSh 600, minimum share capital of KSh 20,000 and a minimum monthly saving of KSh 3,500. You can apply online on SaccoLink and we'll send your application to Defence.

How do I get a loan from Defence?

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

How do I leave Defence or withdraw my savings?

Give Defence 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.

Is Defence licensed by SASRA?

Yes. Defence is on SASRA's list of SACCOs licensed to take deposits (FOSA) for 2026, so it can offer withdrawable savings accounts as well as loans.

Details from the SACCO's official website. Last checked 24 Oct 2026. Something wrong or missing? Suggest an edit.

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