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Most SACCOs ask for a copy of your national ID, KRA PIN and a passport photo, plus a registration fee. Confirm with Dhamini.
Apply online We send your application to the SACCO.Be the first on the guarantor board: members guarantee each other, and phone numbers are shared only when both agree.
Open the guarantor boardNone listed right now. Post a buy request or sell yours.
Dhamini hasn't published a Paybill number that we could confirm on its official channels. Visit any Dhamini office to ask.
Ask Dhamini for a statement or about its mobile banking options. Visit any Dhamini office to ask.
Dhamini's head office is at ACK Parking Silo, Bishop Road, Westlands, Nairobi County.
Bring your national ID and KRA PIN; Dhamini will tell you anything else it needs. You can apply online on SaccoLink and we'll send your application to Dhamini.
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 Dhamini, so ask a branch for the loan form and current terms. If you need a guarantor from Dhamini, its SaccoLink guarantor board lets members guarantee each other.
Give Dhamini 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. Dhamini 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.
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